davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (CA)

My privacy rights are continuously being violated per 15 U.S. Code 6802. I did not provide any expressed consent to the following companies to furnish information onto my consumer report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Also, the following financial institutions are in violation of my rights, being that they did not clearly and conspicuously provide me with the option to opt of consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX  ; XXXX XXXX. I was not given a choice whatsoever. No consent is identity theft! On four occasions, I have contacted the three major credit reporting agencies XXXX, XXXX, and Experian, via certified mail, informing them of these matters and nothing was done as a result. These agencies do not seem to not have any respect for my privacy, as it states they are to have under 15 U.S. Code 1681. I have no indication that any fair and equitable procedures or investigations took place as a result of my dispute requests. None of the remarks or comments for the disputed accounts stated that they were in dispute, nor did I receive any notifications or alerts informing me of a dispute. I also requested that I be sent a copy of my consumer report upon completion of said investigations, which I was never mailed any. Lastly, I also informed the reporting agencies of several instances of incorrect data. I took my precious time to highlight, annotate, and remark my tri-bureau consumer reports so that they could have an easier time investigating. Nothing has changed on my reports. Myself, as well as the credit reporting agencies, are able to see the same exact proof of inaccuracies, yet they have done nothing about it. There are also discrepancies regarding payment history for a couple of accounts that I do not wish to have removed, but to have corrected instead from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2023-03-30
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the reporting of a charge-oN account that I believe contains inaccurate information. The account in question is associated with XXXX XXXX, and the details are as follows :
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America hired XXXX and XXXX XXXX. to arbitrate a debt without burden of proof. Original complaint was filed XX/XX/XXXX. I, the plaintiff, replied within 20 days requesting burden of proof. Online account statements were sent to me in XX/XX/XXXX. Notification of court hearing was signed by XXXX XXXX XXXX that she certifies that I, XXXX XXXX ( the Plaintiff ) was served on XX/XX/XXXX. I received the notification of court hearing in my mailbox on XX/XX/XXXX. The court hearing is scheduled for XX/XX/XXXX. I replied to XXXX and XXXX XXXX. with a second request for validation sent via USPS express certified mail on XX/XX/XXXX.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

on XX/XX/2022, I as the consumer notified Capital One Certified Registered Mail of a BILLING ERROR pursuant to title 12 CFR 1026.13 ( a ) ( 4 ) ( 5 ) on account # ending in XXXX, in the amount of {$450.00} as of XX/XX/2022. Capital One never responded or investigated the Billing Error and that's a violation of 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. 
ALSO, according to the XXXXFPB-Consumer Financial Protection Bureau in regard to a Billing Statement, the amount shown is actually a CREDIT BALANCE that represents a credit in my account that the CARD ISSUER owes I THE CARD HOLDER. ALSO, according to the CFPB I as the CARD HOLDER can call my CARD ISSUER and arrange to have a CHECK sent to me in the amount of the CREDIT BALANCE. I the CARD HOLDER is requesting that the CARD ISSUER CAPITAL ONE send me a check in the amount of the credit balance in accordance with the CFPB.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to
paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Consumer complaint received 2022-06-16
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. (CA)

Submitted complaint to Credit Reporting Agency Experian on XX/XX/2022 they received complaint XXXX on XX/XX/2022 still Open and it bend over 30 day whit out a resolution. 

I provided factual info directly from the credit report. 

In accordance with the Fair Credit Reporting act. Credit Reporting Agency Experian are in Violation of Law 15 U.S. Code 1681i - Procedure in case of disputed accuracy Violation of 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ). 

if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, Before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

An item of the information is found to be inaccurate or incomplete. 

Promptly delete that item of information from the file of the consumer,
Consumer complaint received 2022-07-12
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. (NC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXXXXXX XXXX, # XXXX XXXX # XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX US DEPT OF EDU, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXccount # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account 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
Consumer complaint received 2022-07-12
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OR)

I was awarded a gift card from work for {$200.00}, I used it once for {$16.00} at XXXX XXXX. That was the only time I used it. Two weeks later there was a transaction for {$180.00} with the description of " PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX this is nothing that I am familiar with at all. PayPal " help '' gets you nowhere especially since it was not on a PayPal account. Is there anything that can be done? Thank you for your time.
Consumer complaint received 2023-03-30
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. (NV)

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/2021 Balance : {$160.00}
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 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 2023-04-17
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2022-08-29
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: OneMain Finance Corporation (TX)

There are six of them for each date of inquire on my credit report from OneMain Financial. They refused to remove it during XXXX of the month. 

Action activity : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22.
Consumer complaint received 2022-07-12
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. (NC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-12
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. (NC)

I sent a letter off on XX/XX/2022, to remove information that I don't want on my credit report. I have the right to privacy. Also, according to 15 U.S.C 6802, No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2024 & XX/XX/2024, I applied for credit at Well Fargo application # XXXX. At this time, my application was not return to me. I gave Wells Fargo a Security Collateral aka my application and Per Wells Fargo & Wells Fargo Company Security Exchange Commission filings & indenture agreements- they can take all applications whether its denied or approved & turn those receivable and turn them into cash to securitize with their XXXX Bank with XXXXecurity Exchange Commission. I want my Application/securities RE TRACK from wells fargo. I'm don't want wells fargo to profit from my security collateral since I never received any fair exchange with them. And, I'm also requesting the 1099b tax form to completed and forward to me, since i did XXXX transaction with wells fargo according to IRS.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block information from my credit report within four business days pursuant to section 605c of Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I started receiving emails about my new Wells Fargo account. I do not have a Wells Fargo account and I did not open one. I assumed it was a phishing email. On XX/XX/2022 I received a bank statement in the mail from Wells Fargo. I have called them numerous times and selected the phone options for fraud. The call goes to a regular account person who says that the account is definitely fraud and that they will transfer you to the fraud department only to remain on hold for hours. After a ridiculous wait time, someone finally answered and claims that they will fill out a form that they will look into it and perform an investigation and that they will resolve the issue IF they find it was fraudulent. So now I am hoping and expecting that the same company who has been found guilty by congress of opening fraudulent accounts without the consumers knowledge or approval to do the right thing?
Consumer complaint received 2022-07-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cornerstone Holdings, Inc. (AK)

I received a summons to small claims yesterday for two emergency medical bills accrued during the pandemic and that also fell in a grey area when looking at what my Medicaid covers retroactively. I spoke with the debt collectors in XXXX of this year to explain that. After no further contact, I thought Medicaid covered one or both of the accounts. I definitely did not think Id be sued, given I had made recent payments on other accounts and had long standing unpaid accounts that werent attempted to be collected as aggressively. Both the collector and his supervisor made disparaging comments to me about my financial state and laughed while saying he cant wait to see me in court.