davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Counsel, Inc. (TX)

I was a victim of identity theft and noticed a collection from Credit Counsel Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Counsel Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

On XX/XX/22 I made a wire transfer to the person name XXXX XXXX XXXX {$48000.00} Routing XXXX, account number XXXX. On XX/XX/22 another wire transferred {$14000.00} to the same person & same account number. That persons address XXXX XXXX XXXX XXXX XXXX Tx XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this complaint against, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for notice of dishonor, violations of Truth In Lending Act, Fair Debt Collections Act, securities fraud, and Fair Credit Reporting Act. I obtained a loan through XXXX XXXXXXXX, dating XX/XX/2022, of {$12000.00}. A promissory note was signed electronically and submitted. Payments of {$410.00} were electronically debited from my account monthly. After conducting some research on the company and the bank listed on the promissory note, XXXX XXXX XXXX, I found their Prospectus Summary and XXXX XXXXXXXX Asset Backed Securities form, with the securitizer named on the documents, I realized that my credit application and floating rate notes, tendered and electronically transferred into the account, was converted into receivables and sold to investors on the secondary market as stocks, and beneficial interests, the form of dividends, payments, and interests transferred to the investors and to Bank, of which these credits are derived from my Trust and my account. This constitutes as securities fraud to dishonor and not render the securities and the profits from the selling and trading and reassignment of my promissory note and floating rate notes for setoff and discharge, with satisfaction of the obligation. I was given valuable consideration and there was acceptance of my presentment, with credits to the account, and reported as paid and closed. There have been several presentments sent to the company, of which they have kept them all ( see exhibits and proof ). When XXXX, changed and misreported my balances, I spoke with them about the promissory note, and asked who is the Holder in Due course of the note. I even asked for copies of billing statements, and their XXXX. They have refused to send me any documents, to include billing statements, promissory notes, stating there was never a promissory note and billing statements are not legal. They have only sent a payoff letter, which doesnt reflect any of the true balances. The login for my account, also doesnt reflect any of the history of the payments and credits to the account, it gives an error message. I have attached exhibits of the payments and credits to the account, along with proof of the credit of XXXX tender of payment, pursuant to XXXX. XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX XXXX XXXX ], certified securities sent in certificated form. They have recently incorrectly reported my account 120 days past due, with an incorrect balance due on the account, after refusing to work with me and send me the legal documentations required by law. In addition, they have committed fraud by transferring, reassigning, selling, and trading the securities on the secondary market
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have been diligently working on my credit since XXXX of 2019. I have been in a hardship since the COVID -19 and have contacted all 3 bureaus in reference to the erroneous and inaccurate information on the accounts that were damaging my credit. I was also enrolled with XXXX XXXX and they have charged me {$130.00} for the past 3 years and my credit score just kept going down hill. I have spoken to XXXX over at XXXX customer Service dispute team in reference to the erroneous information and derogatory information that was reported. I am in a very distressed period of my life during this new season of the COVID-19. My business has dropped and my bills are piling up but I have been paying and trying to keep my credibility in good standards. The 3 bureaus have been a thorn in my foot since they are charging for credit reports and they are violating all of my rights as a consumer. I would like an investigation on my credit reportsXXXX XXXX Experian and XXXX. I am very stressed in reference to my reports. I take my credit very serious.
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Columbia Collection Service, Inc. (OR)

When I called Columbia Collection Services, I asked to be transferred to their legal department to discuss the lawsuit they had served on me. They transferred me to XXXX XXXX. Later, while speaking to him, I asked him to transfer me to the legal department and he said, " I 'm it. '' I checked the Oregon State Bar 's member directory - no one of that name is licensed in Oregon.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I'M HAVING ISSUES WITH THIS ACCOUNT APPEARING ON MY CREDIT REPORT AND CAN'T SEEM TO GET THE CREDIT BUREAUS TO REMOVE THIS ERROR
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

On XXXX/XXXX/2020 I attempted to contact customer service to dispute fraudulent / unauthorized information on my credit report to be told that this information could not in fact be disputed. This is unethical and should be investigated by the CFPB, these inquiries have a negative affect on my credit report and will result in possible denial of future credit and or loans if needed due to the financial hardship of COVID-19. I wish these inquiries to be disputed. 

Following inquiries are fraudulent and unauthorized XXXX on XXXX/XXXX/2020 XXXX  on XXXX/XXXX/2020
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have not been able to get an accurate credit report since XX/XX/year>. The Credit Bureaus Equifax and XXXX are unable to give me accurate reporting or my annual report after request. No access online anywhere on any site. 
I am part of the data XXXX, Equifax and XXXX data breach. I am a victim of identity theft. 
I am promised accuracy in my credit `report based on federal law I am writing again as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and except validate it so I request that you remove it now.

I am promised accuracy in my credit `report based on federal law I am writing as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. 
plus all XXXX inquiries except for the recent XXXX XXXX inquiry
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M HAVING ISSUES WITH THIS ACCOUNT APPEARING ON MY CREDIT REPORT AND CAN'T SEEM TO GET THE CREDIT BUREAUS TO REMOVE THIS ERROR
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OK)

My account was blocked and they told me that i couldnt receive my funds until i sent my social security card well all the social Securities are closed and there's no way for me to get my Social Security card the dates for the problem with the prepaid account we're here recently I should have two or three different payments in my account but they blocked it to where I couldn't receive it
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

I tried to use my XXXX platinum card issued by Synchrony Bank this afternoon at XXXX. Declined. I logged into my account online and it was closed. I contacted Synchrony and they told me a letter was on the way because a credit service had notified them of a change in my status that made me a higher risk. No more info. 

This account had never been over limit, always paid on time. This was embarrassing to be declined at the merchant without knowledge of the card being closed. I've had issues with Synchrony before and have always followed the rules regarding their cards.
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (IN)

I have been receiving calls and voice messages on my XXXX cell phone, once per week for the last 7 weeks from XXXX debt collection agency. I have recorded the dates of the calls and saved several of the voice messages. I do not owe any debt. I have sent a text message instructing the company to stop. I have registered my cell phone number with the do-not-call registry to no avail. I have not called XXXX because I do not want to be subjected to a scam to collect personal information or money from me.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Management Partners, LLC (FL)

On or about XX/XX/XXXX, I noticed on my 3 credit reports that a debt that was included in a bankruptcy CH XXXX ) was being reported on the 3 bureaus. I reached out to the company Receivables Management concerning this, asking for them to validation this was indeed my debt and requiring them to provide me competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. They responded by sending me a copy of a bill, with out my signature or any evidence linking this to me. I watched my credit reports to see if per Federal and State Laws they commented that this account was in dispute within 30 days of them being notified ( they did not ). I then sent them another letter advising them of this on XX/XX/XXXX and again on XX/XX/XXXX no response as of this date,
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2016-10-24
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Flagstar Bank, National Association (FL)

This is a complaint involving the Amtrust Bank, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. My brother XXXX XXXX passed away in XXXX XX/XX/2016. He left a small bank account without a beneficiary. The account was left in Queens Counry Bank which is affiliated with the Amtrust Bank. I am his sister XXXX XXXX, his closest relative. When I spoke to XXXX XXXX in the bank regarding withdrawing XXXX remaining savings account I was told that I did not have the proper documentation. I presented XXXX death certificate and my ID. XXXX was XXXX before the age of XXXX and was receiving benefits under my fathers Social Security number. My fathers SS number appears on my brothers death certificate because he is considered a child under federal law. I went to the social security office and got a signed document stated XXXX own SS number and presented it to the bank. This number was the number that XXXX used to open the account but it is not the number that the Federal Government has as his official identification number which is why his death certificate uses his fathers number as XXXX 's ID. I presented my fathers SS card and death certificate which shows the link between my father and brother but the banks legal department still will not allow me to withdraw the account. Even with the SS official letter and all the above ID the bank still insists that I change XXXX SS number on his death certificate to his personal number. When XXXX took out his SS number at the age of XXXX he used his nickname of XXXX XXXX which his not his legal name therefore his SS number is not even legal. When I went to the SS office they could not pull up his number and had to manually type it in to the letter. When they have put my brothers information into the computer my fathers number comes up under his name. Being the Federal Government recognizes this number as my brothers because he is a XXXX under my fathers number and because the bank has allowed XXXX benefits to be deposited into his account every month for many years using my fathers SS number, I believe they should release his bank account. I hope you will help me to resolve this issue. Thank you.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$260000.00}