davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
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. (NY)

XXXX is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely XXXX, EXPERIAN AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind XXXX, EXPERIAN AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. XXXX XXXX XXXX  XXXX XXXX Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per XXXX privacy policy, I was not given full disclosure of my rights to opt out.
Consumer complaint received 2022-12-02
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: CITIBANK, N.A. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 Section 604 ( a ) Sec ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lamont, Hanley & Associates, Inc. (NH)

My name is XXXX XXXX Creditor : XXXX XXXX XXXX Customer : XXXX Account : XXXX Billing sent me before i payment {$100.00} and after that I never see billing sent to my home. 
Now i see mail for LHA send need i pay {$790.00}. I see they said im paid or were credited this amount towards the debt {$0.00} Can you check back. Im trying to send email at XXXX but this email cant send. 
I want to payment but I dont have money for pay XXXX time.
Consumer complaint received 2022-12-02
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)

I have contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXX  XXXX XXXX XXXX {$6300.00}
Consumer complaint received 2022-12-03
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. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

After reviewing my account I noticed that their are two hard inquiries from XXXX XXXX XXXX that I was not aware of and did not authorize. One in XX/XX/2022 and one in XX/XX/2022 2022
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (IN)

Good leap denied my credit application first time it was submitted by the salesperson from XXXX XXXX. After they installed my system goodleap started taking money out of my checking account without any kind of authorization from me. They overinflated install and equipment price Should be about half what they are charging. I was promised by XXXX XXXX And lender that first 12 months would be paid out the money lender was giving XXXX XXXX in turn we would give them the check for the year of payments, this never happened. I am paying loan and electric bill. Electric bill was supposed to go down by 90 % never happened. 
Now iam paying both XXXX electric bill and XXXX dollar solar bill. Loan company says after 18 months loan will go up to XXXX month if I don't give them the tax incentives, what they failed to disclose is that it actually takes XXXX yrs to collect all tax incentives. How is that truth in lending?
Consumer complaint received 2022-12-03
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: CITIBANK, N.A. (GA)

In accordance with the fair credit Reporting act Citi Bank NA has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (MN)

I am still receiving phone calls before XXXX XXXX XXXX XXXX XXXX XXXX of harassment, profane and abusive language, threats of being sent jail or prison, threats of XXXX and XXXX  from Financial Assistance , Inc., Debt Collection Representatives in regards to a debt collection account from XXXX XXXX XXXX XXXX with an account balance of {$360.00}. The debt collection account is not my account and is the result of identity theft. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (WI)

XXXX recently converted their cobranded XXXX product to FNBO. The new value prop is that card members will receive {$0.00} off the per-gallon price of gasoline at the pump. Since the conversion, I notice that it is sporadic where the discount is not given. Shortly after conversion I filled up at an XXXX station and did not receive the discount at the pump. I asked the store attendant and they didn't know what to do. I called FNBO and was told that not all XXXX stations are participating in the discount program. The advertising material does not mention that stations can opt out. Today I went to fill up at a XXXX station where I have received the discount in the past, and did not get the credit at the pump. I asked the attendant and she said the pumps need to be reprogrammed and it wouldn't happen until Friday. Tried calling in to the call center and wait times were long. In short,, FNBO is advertising this XXXX XXXX credit per gallon and is not consistently delivering on it. UDAAP ...
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX at around XXXX i signed into my online banking and realized two un authorized withdrawals on my wellsfargo checking account which were also done at a wellsfargo Atm, {$200.00} and {$300.00}. I contacted the bank right away and made a claim since I hadnt used an atm in days nor authorized any withdrawal on my debit card of such amount, i am an immigrant and I dont have family here nor anyone i can share my information with, secondly i had my debit card with me so how did someone withdraw my money? The only thing the bank did for me is cancel the card and send me a new card. After doing their investigation they said they can not help me because tue person who withdrew my money had all my information. And i told them that cant be become i have my card with me, i have no family or anyone i share information with. And they told me i can only make a police report after going back and forth with them on phone, I visited the bank spoke to the manager and she told me she cant help me. So on XX/XX/2021 i went down to the police station, they have me a number i was supposed to call and i made a report of theft by unlaw taking wrongful impersonation. The police said they will do an investigation and get back to me, after a while not hearing from them i called back and they said oh we forgot to send you part of the investigation but we were unable to retrieve cameras on that day, so the police didnt help me either, i called the bank again and still no help, i walked down the bank and still no help. Thats why Im here today hopefully i can get helped or someone else can get help. Thank you so much. Attached is the police report and financial statement, it shows XX/XX/2021 but the withdrawal was done XX/XX/2021 at XXXX
Consumer complaint received 2022-12-03
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. (GA)

The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc.

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

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information without my written instructions.
Consumer complaint received 2022-12-03
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 — Problem with personal statement of dispute
Company: Harvest Credit Management VII, LLC (NC)

Hello, I tried contacting Harvest strategy group several times at this phone number in over a month. They never called back like they said they would on the recording. Im trying to clear this debt off of my credit. But they are not contacted me on how I can get this removed or how I can get it fixed. The original creditor was flagged trip, but they sold the debt to harvest which theyre not responding to any of my calls or anything. Its been well over a month now. Im just trying to get in touch with somebody so I can get this debt paid off.
Consumer complaint received 2022-09-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (CA)

On XX/XX/XXXX, I ( XXXX XXXX XXXX received a report that my credit score had dropped. I went to look at each of the three credit bureaus ( XXXX, XXXX, and XXXX ). I had noticed that there was a debt collection claim regarding " Credit Bureau Associates '' with the original creditor named as " XXXX XXXX XXXX ''. The total of the debt claim was {$780.00}, and the claim from Credit Bureau Associates is dated XX/XX/XXXX. 

I have not been in the State of XXXX since XXXX, and I have never solicited or utilized any medical services in the State of XXXX. 

This is unequivocally a fraudulent attempt to receive payment from myself, XXXX XXXX, as I am not responsible for any service payment or claim in the State of Georgia. I have been a resident in the State of XXXX  since XXXX.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (NJ)

In XX/XX/XXXX, I received a phone call of a debt collection of a medical incident that occurred XX/XX/XXXX from a debt company Phoenix Financial. I agreed to pay a payment plan to complete the balance that was owed {$270.00} which was fully paid in XX/XX/XXXX. They stated that the debt will be removed from my credit report. Fast forward to XX/XX/XXXX another debt collection which was not Phoenix Financial called to collect debt from the same medicinal incident that I paid in XX/XX/XXXX. I reached out to Phoenix Financial on Monday XX/XX/XXXX to get a letter or email of proof of payment. A women on the phone stated that the email will be sent next business day. I waited and never received an email. I called back Thursday and spoke with a gentleman to see the status of my email confirmation. He stated that the XXXX on Monday never submitted a request for confirmation proof and he will have a supervisor send me one first thing Friday morning. It is now Friday evening and I still havent received any confirmation of payment of XX/XX/XXXX.
Consumer complaint received 2022-12-02
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. (CO)

In accordance with the Fair Credit Reporting Act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16B1 15 USC 16B1 section 602A States I have the right to privacy 15 USC 16B1 section 604A section2 States that a consumer reporting agency can not furnish an account without my written permission or instruction to do so.

15USC 16B1.C ( AthruC section ) states no consumer reporting agency can release any adverse account information other than records of criminal convictions that are older than seven years.

15USC 16B1 section 2 ( A ) ( 1 ) States that a person shall not relay any information of a consumer to any consumer reporting agency if the said consumer know or has reasonable course to believe that any information on any credit reporting agency is inaccurate Last year my identity was stolen. 
Since that time i have been shotgunned through out colorado I have filed with XXXX and the XXXX XXXX XXXX XXXX and have reported identity theft to the XXXX consumer reporting agencys. 
I am also adding LexisNexus to this report XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX consumer number XXXX case number XXXX XXXX has XXXX my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
Experian has violated my federal rights to privacy and equality Experian Information solutions Inc . 
XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

During Black Friday event I called macys to place an order for earrings I liked. During the call, I was offered to apply for a credit card with macys and get additional 20 % off. I agreed, applied for the card, was approved and submitted the order. I received a confirmation number and was assured that the order was placed. A week later I called back to check on the status of my order because I did not receive any emails or notifications about my order. I was informed that additional verification is needed. Completed the verification again ( same verification as when I placed the order a week earlier ) and was informed that the item is no longer available. After more than an hour of poor service and being hung up, I closed the card I just opened, because I could not get the item I purchased. I was also told I cant get the credit inquiry removed, because I agreed to it. The truth is, I only agreed to open this card for this specific order and to get the discount that I will never receive. The marketing of macys was misleading, which resulted in opening this unwanted account. Order number XXXX
Consumer complaint received 2022-12-02
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. (TX)

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX & XXXX CARD are falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX CARD have published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.