davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (MI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : STATE OF MI XXXX XXXX Account : XXXX STATE OF MI XXXX XXXX Account : XXXX 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 2022-04-26
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. (ID)

Reported that account was 30 days past due. Made a payment before the cycle date. Account is no longer past due but reported payment late for XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management (MO)

My mother was contacted by an XXXX representative on XX/XX/2022 who shared my private information. XXXX claimed to be a mediation company contracted by Plaza Services, the lender who now owns the fraudulent loan. 

The companys name is XXXX, and the representative told my mother that I owed bad debt, and that arbitrary action would be taken by XXXX pm eastern time if I did not contact them. The representative also told my mother that this debt was not fraudulent, and payments had been made. I have been in the process of disputed this debt as fraudulent since my identity was stolen in the XXXX breach. I have no knowledge of making payments which further complicates the issue. Under the law, I believe this falls under bad communication tactics.
Consumer complaint received 2020-11-27
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)

These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with Experian, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from XXXX. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (ME)

Navy Federal Credit Union ( NFCU ) recently partnered with a non-affiliated vendor, XXXX XXXX XXXX XXXX ( XXXX ), to provide NFCU members with access to their credit score under a program branded as " Mission : Credit Confidence. '' I am a member of NFCU and was subscribed to the new program without my consent. The terms of the program require NFCU members to consent to the collection and sharing of personal information, such as social security numbers, income and financial information, marital status, etc., for use by XXXX 's and its advertising partners ( among others ). The main feature of the program seems to be sending unsolicited emails to the private email accounts of NFCU members advising them of changes to their credit score. A direct hyperlink to the program also appears as a click-thru banner on member secure account summary web pages and in NFCU 's mobile app. At program inception, and on divers occasions thereafter, I repeatedly communicated to NFCU my desire not to participate in this program. In a further effort to provide resolution, I was recently instructed by NFCU to enter the Mission : Credit Confidence program dashboard via my secure NFCU account and dis-enroll from the program. This is conclusive evidence that NFCU subscribed me to the program without my consent and may have breached its internal privacy policy by sharing my personal information with a non-Affiliate without my consent.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (FL)

I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the XXXX major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.
Consumer complaint received 2022-04-25
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. (FL)

I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the 3 major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.
Consumer complaint received 2022-04-22
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)

XXXX Bank account # XXXX has been disputed previously with the bureaus due to fraudulent account. XXXX has removed account however Experian and XXXX have not. This is hurting my credit rating. I am a victim of identity theft.
Consumer complaint received 2022-04-26
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: Account Management Services, Inc. (CA)

Last year I reached out to Account Management Services regarding an alleged debt they are attempting to collect. After receiving their ill executed attempt at a debt " validation '' it did not address the bigger issue at hand, my rights as a consumer have been violated and there had been a breech of security. The violations fall under : XXXXFCRA -Fair Debt Collections Practices Act ( FDCPA ) -HIPPA -unsecured PHR identifiable health information released -Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) -FACTA including FACT Act I sent the request via certified mail on XX/XX/XXXX and in their responce dated XX/XX/XXXX they included information to which they should not have access. I did not nor would I ever give such authority to anyone other than my doctors to have access to my medical files. Other than the general concern for them having such information an even bigger concern arises as to how they secure this very private and personal information. For all I know, every bit of my confidencal information could be unsecured which is alarming. 

HIPPA and other laws and regulations have been very specific as to which type of medical Information can be shared with others and what info needs to be removed from charts before sharing.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

I have taken a loan from XXXX XXXX on XXXX i have closed that loans and taken XXXX also but still showing in XXXXl, XXXX, Experian sites i have all closure letters
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: Transcontinental Credit & Collection Corp ()

I have taken a loan from XXXX XXXX on XXXX  i have closed that loans and taken XXXX also but still showing in XXXX XXXXXXXX, XXXX sites i have all closure letters
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

The creditor is ruining my life and the debt is not owed. This is affecting me even getting another job. It has received payment for this debt according to Book-entry securities are investments such as stocks and bonds whose ownership is recorded electronically. Book-entry securities eliminate the need to issue paper certificates of ownership. Ownership of securities is never physically transferred when they are bought or sold ; accounting entries are merely changed in the books of the commercial financial institutions where investors maintain accounts. 
Book-entry securities can also be referred to as uncertificated securities or paperless securities. ( Unknown or not made aware off by company to the individual ). Is this a new asset?

1. Is it true that the original creditor or debt collector violated GAAP, generally accepted accounting principles, in turn making the agreement null and void? Yes or no 2. Is it true that the original creditor violated the matching principle of GAAP in that if they accepted an asset from the debtor, the original creditor did not create a liability account showing that there is money owed to them or a debt collector please answer?
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: EQUIFAX, INC. (CA)

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. 
Account name : XXXX XXXX  # XXXX account name : XXXX XXXX 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.

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. This is fraud i have police report
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (TN)

I CONTACT EQUIFAX  ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT 

XXXX XXXX XXXX	
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
 XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX  
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2022-04-26
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. (NC)

I recently found out that Midland Funding filed a lawsuit against me in Virginia where I do not t live. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has, again, not responded to requests about a matter regarding FEMA payouts. I submitted a complain already about {$22000.00} and {$7500.00} that were not paid to me. Capital One finally rectified the situation after I submitted a complaint here. I followed up with Capital One to give them an opportunity before I filed another complaint. They did not respond. Another FEMA check was issued on XX/XX/2012 for {$30000.00}. This amount was deposited with Capital One and they did not release the money to me when I paid off my mortgage. It is unfortunate/convenient for them that they did not discover the missing {$30000.00} when they investigated my prior complaint.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I had a auto loan through Credit Acceptance. In XXXX I totaled my car. In about a month, XXXX and XXXX XXXX XXXX XXXX paid off the loan in full. I have all documents proof. But credit acceptance refused to close my account and stop charging me monthly car payments $ XXXX. They charged me for 2 additional months after the car was paid off. I called them constantly begging them to stop, but they dragged it out as long as they could. Now I have a {$650.00} balance that is the worst thing on my credit report. It's the only negative thing on my report and is preventing me from getting another car. I've tried to dispute this with the credit acceptance company as well as all 3 credit bureaus and have gotten nowhere. I've been fighting this for months and it's completely holding up my life still. I shouldn't have to pay this.
Consumer complaint received 2024-12-03
Product: Credit card — Store credit 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: CITIBANK, N.A. (AZ)

I got an alert of XXXX purchases early in the morning which I did not approve or did, I called customer service immediately to report the charges made on a home depot in Colorado they also changed my Address and email at that time, some one order online, I reported the charges as soon as they happened and they still said it was me who made the charges, I explained to them that I have never been in Colorado and I live in Arizona, I have never used my credit card near Colorado but they did not want to help me and still charged me for the XXXX purchases made in Colorado, this was never resolved I spend hour and hours calling them, I even had to fail work in order to call them since they can only answer me during office hours and I work office hours. 

I never got this resolved and I ended up paying this, I need help resolving this and getting my money back that I works so hard to get. 

The purchases where as follows {$810.00} and {$1300.00} both made on XX/XX/scrub>/2023, I called them that morning at around XXXX XXXX  my time in Arizona, and I told them this was not me and to cancel them immediately since I was being ID fraud by someone in Colorado based on the information provided by the rep and also since they changed my address online to a Colorado address
Consumer complaint received 2020-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NY)

There account reporting from NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), this account is fraud, Is not mine. Please help remove it, is affecting my credit record.
Consumer complaint received 2022-04-26
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. (IL)

XXXX have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (NJ)

Lease was 24 months 15000 miles per year ending XX/XX/2020. Ally advised me by letter that the lease was being extended through XX/XX/2020 due to Covid19 and that I would not be billed and would receive mileage for the period. I did not want vehicle since I already leased a new vehicle and did not want to insure the Ally vehicle passed the lease contract date. Ally and the dealership refused to assist and forced contract extension. I ultimately returned vehicle in late XX/XX/2020. I was subsequently billed for the two months that exceeded the lease contract date and for mileage that was fictitious and fraudulent. Ally also sent me a BLANK odometer reading statement asking that I sign and return ( this document should have been signed when i physically returned vehicle and should have been filled out by Ally ) ; I refused to sign this document. I subsequently filed a complaint with the XXXX XXXX XXXX and the XXXX XXXX XXXX ( Ally is HQ in Michigan ). I have never gained relief and that is why i am filing this complaint. The lease was honored by me and paid on time for the contracted term ( 24 months ) and the mileage did not exceed the XXXX. The amount described by Ally is fraudulent.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (PA)

The company ( XXXX XXXX ) manages the EPICCard system in a number of states. EPICCards provide a " direct '' way for child support to be transferred from states to families, and is encouraged as " an easy and fast way '' to get child support money. My XXXX  run Mastercard Debit Card for Pennsylvania child support ( EPICCard ) has very inconsistently been accepted for purchases over the past few months, despite the fact that it has a very large balance on it ( I am able to check this by phone on their helpline, online in my EPICCard online account, and also on the PA Child Support online system ). As a result of this, I have decided to transfer my EPICCard balance to my bank account, and have switched all of the rest of the payments to direct deposit. 
XXXX XXXX  makes it nearly impossible to transfer funds from your EPICCard to your bank account ( and currently that direct phone number ( XXXX, the number is listed both online and in the EPICCard debit Card Agreement ) is out of service so you can not do it at all ). Customer service is negligible at best. You can not contact customer service online with questions. If you search online you will see that multiple other people have had issues with this company. It is very difficult to get a human on the phone service ( phone number XXXX ; there is no selection for it so you have to let the automated phone number run through all the initial options 4 times before they connect you, then wait over an hour ), the personnel do not know how to handle complaints, and they hang up on you/allow the call to drop or transfer your call to a different company that states it can not handle the complaints. I have contacted them multiple times ( multiple times to the automated number in the two weeks prior to XXXX before I learned online how to get a person to answer the questions, to a human being on XX/XX/2020, and to a XX/XX/2020 twice ) to ask how to transfer the remaining balance on my card to my bank account without success, I tried to go directly to my bank ( XXXX, which is listed as a bank that you can do the funds transfer at ) and transfer the funds off the card today ( XXXX ) but it was denied even though I had checked the remaining balance remained high immediately before walking into the bank. I was told during my latest call with the company help personnel ( by a supervisor named XXXX ) that there was a state-wide outage of the card in Pennsylvania ( the card worked for purchases in multiple stores today, unlike 50 % of the times that I have used it, so I do not see evidence of an outage ) and that he would advance my information above [ his ] paygrade.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (MO)

The card I was issued, I just activated because of an emergency issue. The amount due was {$31.00}. The company took {$97.00}. ( confirmation # XXXX ). Now they're saying that I owe them over {$300.00}. THAT was the card 's credit limit. I only used the card one time. I activated the card a month ago. When I spoke with someone in customer service, the individual ( their name went blank ), repeated that I did owe this amount even after they admitted to taking the {$97.00} and abruptly hung up the phone. I want to sever this account immediately.