davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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: TRUIST FINANCIAL CORPORATION (TX)

Service Finance COMPANY FILE A ILLIGLE XXXX ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT Leaguer BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act 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, 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 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Hallstrom Law Firm PLLC (AZ)

In 2020 i was informed a lawyer was suing me for a dental bill i do not owe. 

The lawyer claimed XXXX plus interest and put it on my credit report claiming over XXXX pwed. 

I furnished all my proof showing i over paid a dentist who i paid XXXX for a partial after dentist botched root canal and caused the tooth to break. The partial to cover missing tooth was defective. 

The lawyer did not add all the insurance paid or a check for XXXX paid. 

After proving these things lawyet changed amount claiming XXXX of the XXXX was for services not rendered but antispated. Now he say XXXX owing which is still incorrect. I do owe period. 
The XXXX the lawyer put on my credit report was again put on knowing i do not owe that and lawyer admitted it the amount was for services not remdered however hes still trying collect unfair incorrect money. 
Case XXXX XXXX XXXX XXXXXXXX court Hallstrom Law for XXXX XXXX XXXX XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NC)

Hi i was taking at look at my credit report and i notice Fedloan servicing which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (NC)

I have received numbers calls and voicemails from this company from the above number or similar phone number extensions noted below. Dates of calls are noted below. I answered once on XX/XX/XXXX, asked for proof or validation of debt, and was not provided with the information within 5 days. 

Phone numbers and dates of calls : XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-06-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive never had an account with the company ( XXXX ) This account has been deemed Inaccurate and has already removed once and by law, once removed cant be added back to the consumer credit report.
Consumer complaint received 2021-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
Consumer complaint received 2023-01-20
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. (MN)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  or charge off # XXXX, Account name : XXXX XXXX  XXXX bank # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXXF # XXXX Account name : 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.
Consumer complaint received 2022-10-22
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: Sunbit, Inc. (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX XXXX XXXX XXXX XXXX XXXX/SUNBIT ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 



If you accept my request, I will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-06-21
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)

In accordance with the Fair Credit Reporting act 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, 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 2023-05-27
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: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

this is my follow up complaint for the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$710.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2021-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has misrepresented its loan as a simple interest loan and that isn't entirely true. Additional payments are not applied to principal, they are applied to future payment without authorization. The net result is the consumer gets overcharged. I have contacted the bank several times about this and they intentionally make it difficult, requiring a 45-minute call. The rep always says the bank will have someone go back through the account and correct the error but it hasn't happened and it has been over 90 days. 
The regularly scheduled payment is {$610.00} on auto pay and it has never missed a payment. 
Here are some examples of misapplied principal payments made in addition to the {$610.00}. 
XX/XX/2021 a {$1000.00} payment was applied as a regular payment instead of principal. They pulled {$5.00} out as interest plus the additional future interest. 
XX/XX/2021 a {$300.00} principal payment was applied as a regular payment. {$20.00} was removed as interest plus additional future interest. 

I have filed a prior report on this with the CFPB. Bank of America sent me an e-mail to contact them and I did. I left a voicemail with no response call back or email from Bank of America. 

Again, it has been several weeks and no changes have been made to the account to correct the issue.
Consumer complaint received 2021-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2021 Paypal used my bank account to pay for an unauthorized charge of {$96.00} from a company called XXXX XXXX XXXX XXXX. 
The service had been canceled because it did not work and I did not supply money. I was informed of this. However, the company used by bank account via PayPal to take funds. The next week, my bank account was hacked and several XXXX dollars were taken.
Consumer complaint received 2021-06-27
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. (FL)

I was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with panic attacks, have missed work and my hair is falling out due to stress caused by this false information on my credit report.
Consumer complaint received 2021-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2021 I attempted to use my USAA debit card, which has all of my money on it, to get gas. The card was declined. When I opened a USAA app, it showed that there is no card linked to account. When I called the bank, they stated that USAA no longer wishes to do business with you. When I asked for the reason, I was simply told it was management decision. I have approximately {$6000.00} in deposits next week from the Veterans Affairs ( protected veteran ) and paycheck. I have to make rental, car and insurance payments on the XXXX of XXXX. Was told by USAA that my account is due to be closed on the XXXX of XXXX and then I will be mailed a check with my funds, which should arrive in the middle of XXXX. Until then I will be without any money. All the money for my VA XXXX and education will be rejected and sent back to the VA, which will take unknown amount of time to be deposited into another account. I never received any notification of the account closing, otherwise I would not hold my money in it.
Consumer complaint received 2021-06-27
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: ENCORE CAPITAL GROUP INC. (NC)

ON XX/XX/2021 TWO COLLECTIONS WERE REPORTED FROM MIDLAND FUNDING ON MY CREDIT REPORT. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( MIDLAND FUNDING ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : - XXXX XXXX XXXX  XXXX Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A- 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2021 my card was charged {$8000.00}. The merchandise was not as described and I demanded a refund from the merchant of {$8000.00}. Instead the merchant credited {$7800.00} without explanation. No merchandise was received or returned by cardholder. Cardholder received photos of merchandise and it was not as described or agreed. Visa chargeback terms do not allow a merchant to assert a return policy when merchandise is not as described. 

The XX/XX/2021 charge was on my billing statement dated XX/XX/2021. I had 60 days to dispute the charge from the date my statement was received. On XX/XX/2021 I disputed the charge of XXXX ( the difference between what I paid and what was credited ). 

Capital One wrote back on XX/XX/2021 stating they credited my account {$230.00} provisionally and asked for more information. I provided all of the information asked for on XX/XX/2021. 

Almost one month later on XXXX Capital One writes back that my documents are invalid and that my complaint was not timely. 

Capital One further debits me account {$8000.00}. 

Credits and Debits : XXXX Original Charge XXXX - Merchant credit XXXX - Capital One credit XXXX Capital One debit XXXX. Total chargeback to me for this dispute. I never even disputed the XXXX. Further, the XXXX was never credited to me a provisional credit. Only XXXX was provisionally credited. Capital One has no authorization to debit my account by {$8000.00} as this amount was never disputed.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (WA)

I called BBVA in early XX/XX/2021 requesting to close my personal account, joint account and my husbands personal account. They said they could not do that and they needed us to fax the request with all of our account numbers and photo identification to XXXX on XX/XX/2021. I called XX/XX/2021 and spoke to a man named XXXX claiming that we would have to send the request by mail and the letter must be notarized. I am extremely frustrated with no resolution.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.