davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

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 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 the information is inaccurate. 

XXXX XXXX  - account # XXXX XXXX  XXXX XXXX XXXX - account # XXXX XXXX  - account # XXXX Has violated my rights.
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: CITIBANK, N.A. (FL)

I requested an extension for my Best Buy Card after catching XXXX and had to stop working for some time. My request was granted and my account was supposed to be deferred. However, I received notification that my account was 30 days late. I contacted Best Buy the following day and the representative informed me that after I make a payment and after the payment clears, the information being reported will be deleted and my account will be current. The payment was already made and was pending. After a week went by, the 30 day late payment that was being reported was deleted and my account was back to current. However, an additional two weeks went by and now the information that was once deleted is being reported again and showing on my XXXX account. Ive reached out to Best Buy and they informed me that it was corrected on their end and that I should contact XXXX. XXXX did a dispute for me and asked me to contact Best Buy which I did and they also filed a dispute.. However, the information being reported has not been deleted. The creditor agreed to delete the information being reported as long as I made the payment and the payment cleared. I had already made the payment before calling Best Buy and the payment was pending which is why the representative asked me to wait until it clears then the information being reported will be deleted. The information was deleted but it has came back on my account and I am not sure why after the creditor agreed to delete it. This is the reason for my dispute.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to XXXX, XXXX & Equifax from XXXX of 2018. 
My account was reported closed in XXXX of 2018 through XXXX & Equifax. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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: Experian Information Solutions Inc. (AR)

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

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-06-17
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. (NV)

iaccordance with the Fair Credit Reporting act XXXXXXXX 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 2024-12-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (GA)

I always pay my US Bank credit card from an external account. I suddenly received an email from US Bank on XX/XX/year> that my account had been overdrawn, and I needed to bring the balance to XXXX to avoid any overdraft fee. So, I asked US Bank immediately on XX/XX/year> - 'What is the overdraft for? Please provide details of the transaction. ' No response has been provided to-date. 
This month, either due to system failure or oversight on my part, the payment was made from the US Bank checking account. I had never agreed to Overdraft protection. In spite of that, they had debited my account for the payment, even though there was insufficient balance. 
Since I never received any response from them on my query, I initiated a transfer from an external bank on XX/XX/year> ( same day as I was notified by US Bank ). 
Since I have never ever heard from US Bank, I called them today and an extremely irate rep told me that the fee would not be reversed. 
I can not even begin to count the number of things wrong with their fraudulent process. Documents attached.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Neighborhood Autos, LLC (TX)

I financed a XXXX XXXX XXXX from neighborhood autos a little over a year ago and I was told the car had a warranty but every time something has gone wrong Im told its not covered. I was also told when I got the car that I could get my insurance through the car lot and later found out I was still responsible for a liability policy on top of the insurance they offered. No one ever explained this to me, I found out by getting pulled over and receiving a warning for no insurance after the officer explained to me what had happened. They require me to have a {$250.00} deductible and at this point I cant afford to pay the car note and the insurance as its totaling {$500.00} to {$600.00} or more a month. They were not transparent about this vehicle purchase at all and I still owe over $ XXXX on the loan. They shouldnt be allowed to do this to people who are already struggling to pay bills. I need a reliable vehicle and I have to go without groceries so I can pay my rent and keep my vehicle and its really disgusting how they do people.
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: Experian Information Solutions Inc. (PA)

How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy. 15 US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 US 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 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (DE)

I made a new account with Venmo because my old account was no longer active. After trying to withdraw money that was sent to me out of my account, I was unable to because Venmo had said that my account was frozen. I tried reaching out to tell them that I only have my XXXX ID available and they said that they would not be able to take that and I have {$58.00} in my account that I need access to.
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: Experian Information Solutions Inc. (NY)

XXXX  Payment Account # XXXX a/k/a XXXX XXXX Loan XXXX are now again attaching the last account established for Home Improvement. They are as follow in order of attack and incorrect reporting : Evidence was submitted in the CFPB consumer Complaint # ______________ the XXXX Account XXXX and Account XXXX accounting procedures and procedures crossed referenced and reporting payment made to account XXXX ; being recorded to XXXX  account number XXXX instead of XXXX shown in XXXX  Client Payment History Current issue : XXXX  Account # XXXX Proclaimed to client that s/he payment had not paid XXXX payment for account XXXX and successfully reduced client credit score by XXXX XXXX a direct result of XXXX a/k/a XXXX XXXX reporting it as delinquent. 

Client add to include the amount paid for late fees {$10.00} late fee which increased the actual payment from {$320.00} to {$330.00}. ( See attachment ) XXXX a/k/a XXXX XXXX proclaimed to not have received payment made on XX/XX/2022 in the amount of {$330.00}, but the attached XXXX XXXX XXXX account ending in XXXX, PDF report clearly shows the said amount was withdrawn by XXXX  account XXXX a/k/a XXXX XXXX Loan # XXXX was actually withdrawn from client 's account on XX/XX/2022.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/, 2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
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. (MN)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax XXXX XXXX, 2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Account # XXXX a/k/a XXXX XXXX Loan  XXXX are now again attaching the last account established for Home Improvement. They are as follow in order of attack and incorrect reporting : Evidence was submitted in the CFPB consumer Complaint # ______________ the XXXX Account XXXX and Account XXXX accounting procedures and procedures crossed referenced and reporting payment made to account XXXX ; being recorded to XXXX  account number XXXX instead of XXXX shown in XXXX Client Payment History Current issue : XXXX Account # XXXX Proclaimed to client that s/he payment had not paid XXXX payment for account XXXX and successfully reduced client credit score by XXXX XXXX  a direct result of XXXX a/k/a XXXX XXXX reporting it as delinquent. 

Client add to include the amount paid for late fees {$10.00} late fee which increased the actual payment from {$320.00} to {$330.00}. ( See attachment ) XXXX  a/k/a XXXX XXXX proclaimed to not have received payment made on XX/XX/2022 in the amount of {$330.00}, but the attached XXXX XXXX XXXX account ending in XXXX, PDF report clearly shows the said amount was withdrawn by XXXX  account XXXX a/k/a XXXX XXXX Loan # XXXX was actually withdrawn from client 's account on XX/XX/2022.
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. (SC)

Violation of Privacy & Consumer Rights I received a copy of my credit report with the intention of trying verifying what is all on my credit. In the process of doing so, I realized that I have not given anyone written consent to place the attached items listed to my credit report. In accordance with the Fair Credit Reporting Act ; XXXX accounts listed below has violated my rights. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts or to your reporting agency to place upon my government administered social security number ; my rights has been violated. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 604a ; also states that a consumer reporting agency can not furnish an account without my written instructions to do so. Which I have not written this agency to do so. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not receive that notification. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Finally, 15 U.S. Code 1681i section 5 ( a ) states in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the investigation. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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. (SC)

Violation of Privacy & Consumer Rights I received a copy of my credit report with the intention of trying verifying what is all on my credit. In the process of doing so, I realized that I have not given anyone written consent to place the attached items listed to my credit report. In accordance with the Fair Credit Reporting Act ; XXXX  accounts listed below has violated my rights. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts or to your reporting agency to place upon my government administered social security number ; my rights has been violated. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 604a ; also states that a consumer reporting agency can not furnish an account without my written instructions to do so. Which I have not written this agency to do so. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not receive that notification. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Finally, 15 U.S. Code 1681i section 5 ( a ) states in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the investigation. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.