davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXXt Act. # XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Act. # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Act. # XXXXXXXX XXXX XXXXXXXX Act. # XXXX XXXX  Act. # XXXX XXXX  Act. # XXXX, has violated my rights.

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
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The account information XXXX XXXXXXXX XXXX with {$1200.00} on my credit report is incorrect and needs to be deleted. I do not owe a XXXX to the XXXX at XXXX. The attached files support my position.
Consumer complaint received 2022-06-26
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. (NY)

In accordance with the Fair Credit Reporting act The 5 following accounts, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-07-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX ; XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair credit Reporting Act XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that i have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a concumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX I sent an XXXX envelop to XXXX The clerk guaranteed time to deliver envelop is XXXX weeks ( XX/XX/XXXX ) Today is XX/XX/XXXX and package is not delivered or XXXX has not received Please have the XXXX XXXX  send me a copy of receipt signed by recipient if misdelivered It is also shocking that an envelop can take 3+ weeks to send by AIRMAIL! 

If they can not produce signed receipt be sender then I want credit for XX/XX/XXXX charge {$13.00} for services NOT rendered
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account opened XX/XX/XXXX and closed XX/XX/XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I owed debt to XXXX XXXX in late XXXX. When the pandemic hit in early XXXX XXXX I lost my job and had to stop paying all my credit card accounts. I have been able to work with all of them but this specific account was sold to Midland Funding who NEVER sent me a letter and have continued to call my old job which has THANKFULLY reopened and rehired me even though I have told them to STOP calling me work and they hang up. They show up to my home with their phone cameras filming me asking what my name is and I say who are you from and they tell me they can not say who they are. And today for a 3rd time someone showed up at my home and threw documents at my front door took photos and left the documents at my front door? I have this all on on security camera. This is complete fraud and they are trying to scare me and bully me. I need some sort of protection from this please. The documents they left claim that they have sued me XXXX XXXX XXXX on XX/XX/XXXX? I was NEVER notified of this, when I look it up on the court website theres no records of this? This is fraud and the people who are coming to my home are starting to scare me and my family. Please help me. The documents I have attached were thrown at my front door today XX/XX/XXXX by a large man with his phone out filming everything. This is NOT OK.
Consumer complaint received 2022-06-26
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. (AE)

EXPERIAN HAS TAKEN MORE THEN 30 DAYS TO RESOLVE ISSUE TO SATISFACTORY. I DEMAND THE ISSUE BE RESOLVED AS I COMMAND THROUGH CONSUMER PROTECTION LAWS. SITED BELOW : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian is NOW in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave XXXX written instructions to furnish this information on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-06-25
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. (TX)

I sent a letter off on approximately XX/XX/XXXX XXXX my tracking numbers are XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against US Bank regarding discriminatory treatment by a customer service representative, ongoing issues with my US Bank XXXX credit card, and general poor customer service. 

Background Information - Recently, I applied for and received the US Bank XXXX credit card. As part of this process, I transferred {$100000.00} to US Bank and opened both checking and savings accounts. Despite this commitment, I have faced the following issues : Delayed Card Delivery : The credit card took over a week to arrive, which was inconvenient and disappointing.

Blocked Transactions : Regardless of whether the transactions were online or in-store and regardless of the amount, US Bank consistently declines my transactions.

I have contacted customer service numerous timesduring the day, at night, on weekdays, and weekendsto resolve this issue. Each time, I was assured that the problem was fixed, yet the next transaction was blocked again. 

Discriminatory Behavior : During a call with a representative named XXXX on XX/XX/XXXX, I was subjected to degrading and XXXX comments about my accent. XXXX also asked for unnecessary information, which I believe was unrelated to the issue at hand. Based on information from other representatives, I suspect XXXX may have left false notes on my account, further complicating the situation. 

Request for Resolution : US Bank records its customer service calls, and I urge you to review the call with XXXX on XX/XX/XXXX. His behavior was not only unprofessional but also discriminatory, which is unacceptable. Additionally, I request that the CFPB investigate the following : Why my credit card transactions continue to be declined despite assurances from US Bank. 
Whether false or misleading notes were added to my account, as suggested by other representatives. 
The overall handling of my concerns by US Bank, including their failure to resolve the issues in a timely and respectful manner. 

Impact on Me : I am a loyal customer who trusted US Bank with significant financial assets. This experience has been not only frustrating but also deeply degrading due to the discriminatory treatment I received. 

Desired Outcome : I seek : A formal apology from US Bank for the treatment I endured. 
A resolution to the ongoing credit card issues. 
Confirmation that discriminatory behavior is addressed appropriately, and that the representative involved is held accountable. 

Thank you for your attention to this matter. Please let me know if you need any additional information.
Consumer complaint received 2024-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (TX)

id id not authorize XXXX XXXX XXXX  to sell my medical information to Aargon Agency, a debt collection agency. I was not made aware that this was done either. I have requested vis mail a validation of debt and an itemized statement from Aargon Agency. This is a violation of HIPAA and the fair credit reporting act.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-25
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. (AL)

These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the XXXX credit bureaus. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are also reporting d

ifferent dates and different balances. Some are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 U
SC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting Act XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

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
Consumer complaint received 2022-09-08
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. (TX)

I am appalled by the inability of the Credit Bureaus to correct my Credit Report despite the multiple dispute letters and CFPB complaint I have done! There are accounts that are reporting erroneous information on my Credit File and needs to be corrected since it caused a drastic damage to my Credit Score. I have read that under the Fair Credit reporting Act, the Credit Bureaus are required to verify the information being reported on my Credit Report per consumer 's request and needs to update and or delete for any damaging erroneous reporting. I noticed the following upon doing a further research with my Credit File : a ) There are accounts reporting as late even though I never missed a payment ; b ) there are closed accounts reporting as late even though the balance is {$0.00} ; c ) there are charge off accounts reporting balance and as far as I know charge off accounts MUST show XXXX  balance ; and d ) there are accounts that are already deleted from the other Credit Bureaus but are still indicated from the other Bureaus. Under the FCRA, I need the following accounts investigated and updated or deleted : 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
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Ive been in communications with this company about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my le. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the condentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only name XXXX XXXX XXXX  My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My only date of birth is XXXX My only employer is XXXX XXXX XXXX XXXX XXXX are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, my brother, sister, and I closed on the sale of a house that we inherited from our parents. The money was wired into our account at XXXX XXXX. My brother, as treasurer of the LLC, sent me a check for {$10000.00}, part of my share of the proceeds. I deposited the check to my USAA account on XX/XX/XXXX. On XX/XX/XXXX, I received a text message from my phone company saying my payment of {$45.00} was declined, which seemed quite odd since I had just deposited {$10000.00} three days before. I looked at my checking account and it was exactly {$10000.00} short. I called USAA and was told that XXXX XXXX  had reversed the check. I then called my brother and told him, and he went to the XXXX XXXX  branch, on XX/XX/XXXX, where the account had been opened and spoke to the manager. The manager stated that XXXX needed to verify that the check was valid. At no time did anyone at XXXX XXXX  try to contact my brother to verify the check, and the manager admitted that nobody actually tried to contact my brother to verify the validity of the check. I then told my brother to wire {$50000.00} to my USAA account, which would cover most of my proceeds from the sale of the house. With me still on the phone, XXXX XXXX  made the wire transfer of {$50000.00}. We stayed on the phone until the transfer showed up in my USAA checking account. The following day, I logged into my USAA account to pay bills and saw that my balance was {$0.00}. USAA had taken all of my money because they assumed it was fraud, based on the {$10000.00} check that XXXX reversed. They kept my money for almost a week, leaving me with nothing, no way to buy food or pay bills. They did suggest I could use my USAA credit card, but that was not possible since they would not give me any access to my money to pay the bill. USAA has since decided that, despite me being a USAA member since XXXX and a banking customer since XXXX, that I was somehow a criminal and has put restrictions on my account. I did open a new account at a credit union and added that account to USAA bank transfers but USAA will not allow me to transfer my own money from my own account to my own account. I am also not allowed to use XXXX to send money to friends. USAA said they will be " reviewing '' my account again after six months, but the account will be closed by then.
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (IL)

according to the IRS ..cancelled debt ( charge off ) is gross or ordinary income. Income does not get reported on your consumer report. A charge off is an inaccurate account.

15 USC 1681e ( b ) is a part of the Fair Credit Reporting Act ( FCRA ). According to this section, a consumer reporting agency ( CRA ) must maintain reasonable procedures to ensure that the information in their reports is accurate and up-to-date.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

One of my creditors, XXXX XXXX XXXXXXXX XXXX XXXX is not appearing on my Experian credit report and hasn't been since XXXX, XXXX. I have spoken to their Customer Service Dept at least 8 times and their reason I am told is they are not receiving the file from XXXX and to contact the creditor for resolution. I have contacted XXXX numerous times and each time I have been told that the file for each month is sent to all reporting agencies at the exact same time. XXXX did an extensive review of my account and have assured me there is nothing that would prevent my file from being included with all the other files that are transmitted monthly. Both XXXX XXXX XXXX shows XXXX on their reports as a creditor and is being updated each time they have received the monthly file. XXXX doesn't even show as a creditor on Experian. This is impacting my credit score when potential creditors run my credit through Experian and don't see any mortgage information listed as a creditor. 

I am caught in the middle on this. Experian can't take my problem as an official dispute because XXXX isn't listed as a creditor and XXXX has done what they are supposed to be doing every month transmitting the payment information to all 3 agencies. I need Experian to add XXXX to my credit report and show payments that have been made since I took the loan out in XXXX.