davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: Marlette Funding, LLC (MN)

As a federally protected consumer, I am hereby expressing my right to privacy and this is an OPT OUT notice per 12 CFR 1016.7 I am now opting out and rescinding and ALL authorization, I the consumer any have given you. I mean any and all consent whether it be written, unwritten, verbal, implied, and nonverbal is revoked per 15 USC 6802. Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates " Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore, REPORTING transaction history is illegal. Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

By : XXXX XXXX All Rights Reserved
Consumer complaint received 2022-12-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In accordance with the fair credit reporting act, USAA SAVINGS BANK acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IN)

I am a XXXX  and for a long time I used my Discover student credit card because it provided good benefits. Over the summer of 2022, I traveled abroad and let Discover know that this was the case. I got stuck there with covid and forgot to extend the travel dates with discover, as a result of this, my account got flagged for fraudulent activity, and the only way to fix it was to fill out the physical form that they sent to the United States. For whatever reason, I submitted the form and they still couldn't verify that it wasn't fraudulent so they went ahead and closed my account resulting in not only a huge drop in my credit score because of a closed account but also I get automatically declined whenever I try to apply for the card again. This is extremely annoying because I've called, they cant help, and there was never any fraudulent activity in the first place.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arena Investors, LP (MD)

Friday, XX/XX/2023 To : XXXX XXXX XXXX XXXX I received a form letter from your company today regarding a payment of {$12.00} ( Our Account # XXXX ) for a XXXX 's Magazine subscription that I never requested nor asked for. 

I tried calling your XXXX telephone number, but that effort was to no avail. 

Either way, I never subscribed for this magazine, so please delete my name from your delinquent files for this. 

Thank you XXXX XXXX
Consumer complaint received 2022-12-06
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. (NV)

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2022-12-06
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. (NY)

Tried to call experian on dec. XXXX regarding inaccurate information/old and couldnt resolve the problem. Experian still is reporting I have late payments 120 days past due when I brought the account up to date and XXXX XXXXXXXX asked them to remove the negative marks.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IL)

I have received an alert from XXXX that Credence Resource Management has flagged my credit report for collection. I have NEVER received any correspondence regarding this. No one has called, emailed, or sent anything to me in the mail to tell me what this is regarding. My credit report notes that it is connected to XXXX XXXX XXXX but I switched from them in XX/XX/2021 and paid all that was owed. When I called Credence to get more information, the agent said they had nothing in their system matching my name and address. Even after my call, I have yet to receive any contact from them yet this is still on my credit report and affecting my score.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX Accounts below, 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. I have reached out via letter phone through the credit bureaus and I have been turned down and I have not gotten any response it is affecting my credit score and me being able to move and acquire Assets so if you can please review the information below I would appreciate that bankruptcy shouldve been deleted off my account after paid off! 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$3100.00} Closed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX  $ XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX as XX/XX/XXXX {$11.00} REPORTED Account Originalv : XXXX XXXX XXXX : OPEN ACCOUNT : THIS IS AN ACCOUNT IN GOOD XXXX XXXX XXXX Daid as XX/XX/XXXX {$190.00} {$190.00} REPORTED Account Originallv : XXXX XXXXOPEN ACCOUNT- THIS IS AN ACCOUNTNCOODSIANDINGI XXXX XXXX XXXX Unknown XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX CONDITION/STATUS : ACCOUNT IN DISPUTE - REPORTED BY SUBSCRIBER ( XXXX XXXX XXXX XXXX XXXX as XX/XX/XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2022-12-06
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. (NV)

I have been in contact with Experian to remove personal information that are innacurate or that I have not live at. According to the fair credit reporting act 12 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 thrid party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-11-12
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$870.00}
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CapitalCredit LLC (NC)

Hello sir or maam this might reach, my name is XXXX XXXX and I have an XXXX XXXX XXXX that is leased through the bank which is Capital Credit LLC in XXXX TN. I been with them since XXXXXXXX XXXX XXXX XXXXXXXX. They been a good bank at the beginning of the lease, but once I fail behind on payments they communication and customer service been horrible. They repossessed the car in XXXX or XXXX this year XXXX, and I have been communicating with them about getting the payments up to date, which is currently up to date and the car is due back to me but now since I have the payments caught up they been providing bad bad customer service and been unprofessional about the manner at hand, such as not answering phone calls, not responding to emails and not communicating what they all need from me & its getting out of control because they will return calls or email right before they close which will delay the process until the following day.
Consumer complaint received 2023-02-10
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. (MA)

Dear XXXX XXXX XXXX ; Experian ; XXXX ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I have tried multiple times to withdraw money from the XXXX XXXX card that was issued by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The State of California sent my Middle Class Tax Refund on XX/XX/XXXX. On or about XX/XX/XXXX, I received the prepaid debit card and I activated it that same day. Every day since XX/XX/XXXX I have tried withdrawing money from multiple ATMs using the correct PIN but the account shows a {$0.00} balance even though when I log on to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's website XXXX XXXX XXXX  My balance is still {$1000.00}. I have attempted to transfer those funds to my personal checking account but the system keeps giving me an error. Anytime I call the Customer Service line at XXXX and at XXXX, I am told that they are not allowed to assist with the issues because their employer, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is instructing the very small customer service team to hang up on all the callers calling in about their tax refund balance so that the bank can keep the funds longer. This is illegal and needs to be investigated.
Consumer complaint received 2022-10-31
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. (NY)

Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}
Consumer complaint received 2023-02-27
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. (CA)

This is my follow-up filing of a complaint to my previous complaint last XX/XX/XXXX, to block or remove the items that are misleading or fraudulent in my file. 
Please Block or remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (OH)

On XX/XX/2022 I sent certified letters to XXXX, XXXX and Transunion regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with XXXX and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WY)

I looked at my experian credit report on XX/XX/year>, and noticed my personal information/addresses are inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these addresses I've never lived at and don't receive mail too. I called XXXX and they refused to remove these addresses.the following XXXX addresses are inaccurate. XXXX spinning XXXX XXXX. XXXX, fl XXXX. XXXX chase dr. XXXX XXXX XXXX XXXX and XXXX XXXX st. XXXX XXXX ohio XXXX please stop reporting these addresses on my experian credit report.i don't receive mail there and have never lived at these addresses.i demand {$1000.00} per violation please mail my check to my correct address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Wyoming XXXX
Consumer complaint received 2022-11-04
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. (NM)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
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. (IL)

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

XXXX  : # XXXX had 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 cannote 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A. (MD)

PNC is trying to collect an illegal debt. The debt was charged illegally, pnc had admitted this, and then ignored all other attempts and sent false documents to the CFPB. PNC has broken atm machines, and blames customers. PNC is literally stealing money. What are they doing when atms dont accept cash, but the same atm allows cash withdrawals? Why does pnc send fake accounts to collections agencys? Why does PNC submit false documents to the CFPB. Why does pnc not respond to any concerns? 

PNC has sent documents to the CFPB claims this debt has been sent off to collects to CCs. 

As detailed in our response dated XX/XX/2022, the Spend was closed by PNC on XX/XX/2022, with a balance owed of {$69.00}. PNC did not receive payment for this balance and forwarded the account to XXXX for collection. They can be reached at XXXX. 

PNC has STILL collected on this debt that they no longer Owe, and that they sold. It was put into my collections, and I was harassed over the illegal fee. PNC is holding my money captive and refuses to communicate with me over a mutually recorded phone line, or email. It has to be only recorded on their end, and this I do not accept and is, again, illegal in many states. And I have email proof of them denying these communication methods, then theyll the CFPB they could not contact me. 

PNC is blatantly breaking the law, lying to the cfpb, reporting false accounts to collections, collecting money they dont have accounts to, not returning it like a normal bank does, and are stealing customers money It has been over almost three months now. The money should be returned with interest. 

bank reference ID XXXX. 
Total amount {$290.00} Mailing adress is : XXXX XXXX XXXX XXXX, XXXX MD, XXXX.