davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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. (TX)

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ),  independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by  using an array of ...
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/2019 Bank of America stole over {$400.00} from me this time, after assisting a shop in stealing {$540.00} AND my laptop from me with no help from the CFPB because you allowed them to simply run out the clock responding -- so thank you for that. 

I was XXXX, XXXX, and XXXX XXXXXXXX at a XXXX XXXX hotel where I paid to vacation for a few days in XXXX, XXXX. 

It was an international incident with the U.S. Embassy in XXXX XXXX with access to all photos pertaining to evidence of this series of events so please contact them directly for confirmation because this is none of you XXXX business, and only describing the evidence during a call literally traumatized a bank employee who handled this properly at ANOTHER bank I work with. 

Simply refund my money, including fees accrued as a result of BoA 's theft, with stiff penalties for BoA attempting not to process a fraud claim properly on purpose AGAIN. This bank has stolen over {$1500.00} USD from me during the last year.
Consumer complaint received 2022-06-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX  Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-17
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. (CT)

In accordance with the Fair Credit Reporting act 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 it lists me as an authorized user, and this account belongs to an ex-spouse.
Consumer complaint received 2022-06-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted disputes to you and i haven't got a response within 30 days and yall are requires by law to do so. Please investigate my disputes Thank you.
Consumer complaint received 2022-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I sent Equifax a hand written letter asking for the description of the reinvestigation used to determine the accuracy and completeness of the accounts below and they failed to provide it within the 30 day period the FCRA allows. It is not my job to hold you in compliance but to ensure my credit report is fair and equitable to me. You are alleging the accounts as negative meaning you have validity and verification of the accounts and should have the description of the procedure including all parties that were contacted to determine the completeness and accurate. Please understand as stated before I am not disputing ownership it is my right to receive that description of the procedure and since you haven't provided it in 30 days the following account shall be removed ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX And also these accounts did not have permissible purpose they did not have a judgement nor my written consent which is a violation of the FCRA. I SENT 2 LETTERS sent XX/XX/2022 and XXXX I have acted in good faith by allowing more then 60 days and still have not received a response. YOU ARE WILLFUL AND NEGLIENTLY NONCOMPLIANCE.
Consumer complaint received 2022-06-17
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)

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

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

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

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

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

In accordance with the Fair Credit Reporting act DEPT. OF EDXXXX Account # XXXX, has violated my rights. ( There are 12 of DEPT. OF ED/XXXX STUDENT LOAN ACCOUNT WITH THE ACCOUNT # BEGINNING WITH # XXXX. I AM NOT WORRIED ABOUT THE 12 ACCOUNTS I AM CONCERNED WITH THE REPORTED LATE PAYMENT. I only have a problem with the reported late payment for all 12 of the student loan accounts. I would like to keep the 12 student loan accounts on my reports just remove all of the late payment reports. ) 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
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

Moneylion continually fails to credit my payments when they are received. This has occurred month after month. Currently they are in possession of my most recent payment, received by moneylion on or before XX/XX/2023, cashed by moneylion on XX/XX/2023, and has yet to be credited to my account. I have asked multiple times for multiple months for moneylion to correct this issue and they refuse to remedy. This has resulted in hours of my time, all to get them to do what is required by this protection bureau.
Consumer complaint received 2022-06-17
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. (MD)

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

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

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

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

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

In accordance with the Fair Credit Reporting act DEPT. OF EDXXXX Account # XXXX, has violated my rights. ( There are 12 of DEPT. OF ED/XXXX STUDENT LOAN ACCOUNT WITH THE ACCOUNT # BEGINNING WITH # XXXX. I AM NOT WORRIED ABOUT THE 12 ACCOUNTS I AM CONCERNED WITH THE REPORTED LATE PAYMENT. I only have a problem with the reported late payment for all 12 of the student loan accounts. I would like to keep the 12 student loan accounts on my reports just remove all of the late payment reports. ) 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
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc (CA)

I made a purchase online XX/XX/XXXX in the amount of {$530.00} from XXXX and use the online credit account supplied by Affirm. After completing my purchase I received a credit line from Affirm. I then proceeded to wait for my order which never arrived within 30 days. After contacting the distributor I learned that XXXX never place the order. XXXX had received payment in full from Affirm for the total amount of {$530.00}. I had begun paying the loan and made 2 total payments of {$300.00} towards the amount borrowed. After learning the product was never ordered I canceled the order XX/XX/2022. I received confirmation that the order was canceled and the money was refunded from XXXX in the total amount. Affirm never credited the account for the return amount. After contacting affirm multiple times Affirm sent email saying it was 60 days past the date of purchase and that they can not help me with the refund credit to the account. I have shown proof to affirm of the cancellation and refund from XXXX. The Affirm has stated they had not received any money refunded from XXXX and that I'm still financially responsible to make payments.
Consumer complaint received 2019-03-15
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. (PA)

The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from XXXX to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance owed.
Consumer complaint received 2022-06-17
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX Account # xxxxxx 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 This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.
Consumer complaint received 2022-06-17
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX Account # xxxxxx 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 This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My husband and I closed some credit card accounts after paying them off and after a bankruptcy. Apparently he kept a XXXX XXXX Credit card that I did n't know about and ran it up before he passed away in XXXX 2012. I just now found out that this account is adversely affecting my credit.
Consumer complaint received 2020-04-09
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: CCS Financial Services, Inc. (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPA
A rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

The XXXX Washington BECU location the representative on their customer service line named XXXX made fun of my XXXX and declared I was at fault before an investigation even began. 
MY car was broken into on XX/XX/XXXX and my checks, debit card, bank pin information were stolen. I immediately called my bank and let them know. A few days later some checks that I did not write went through the account. I had no idea because without any notification, my online banking access had been disabled for days before I noticed it. I called to see what was going on and I was told that in order to move forward and for them to investigate the unauthorized charges, I needed to file a police report and bring it to the bank. Not true. That is a violation of Regulation XXXX and the bank had a responsibility to promptly investigate it in 10 days. I spoke to a very rude woman who ( before they even started the investigation ) proclaimed that I was a thief and that I stole this money. The 10 day clock started on XX/XX/XXXX. It is XX/XX/XXXX and I just called to recieve an update since I have still been locked out of my online banking access, have received no calls or mail and spoke to 2 people who claimed I would need to file a police report if I wanted them to dispute it any further. Several representatives made disparaging remarks about my memory and called me a " liar '' and " stupid '' even though they are aware that I suffer from a XXXX XXXXXXXX that is protected under the ADA. I was made fun of for my XXXX and humiliated as a punishment for expressing the rights of mine they were violating. 
I was not given due process in this situation and my rights were violated. In order for the them to bide their time they secretly locked me out of my account without any warning prohibiting me from reporting it to them in a timely fashion, they lied to me and said I had to obtain a police report before they were able to investigate unauthorized charges, the investigation was not conducted promptly and went well over 10 days and no provisional credit or access to my account was provided, before they even started the investigation their mind was made up and I was told directly that I was at fault.