davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I received a notice from XXXX XXXX on XX/XX/2023, which required a response by XX/XX/2023, affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XX/XX/2023, they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information.

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise.

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law. 

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit report.
Consumer complaint received 2023-09-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AL)

I the consumer comes with clean hands and good faith, I received a letter from Convergent Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The company has two different accounts numbers on this tept to collect a debt notice, Amount said I owe XXXX dollars.Stating they are a debt collector, Trying to collect a debt from me i owe XXXX XXXX, I've never heard of this company until now, I have heard of XXXX XXXX and paid XXXX XXXX  and XXXX XXXX for many long years without consciously knowing, I a natural living person was volunteering paying a bill/debt that was already prepaid according to UCC-9-307 ) location of the debtor also ( 18 USC-8 ) 31-USC 3123 ) states the United States government pledged to pay debts, therefore the consumer can discharge/offset debt and it doesn't have to be paid in legal tender see 31 USC 5118 ) There is no Lawful money, only dept notes therefore I can't pay debt with a debt. I, the consumer didn't give any debt collector permission of a court of competent 15-USC 1692- A-P ) THEREFORE I ask the dept collector mention above closed this debt in good standing with a positive balances on all three credit reporting agencies and any other credit reporting agencies, UCC 3-605 ) It's unlawful to demand payments. Banking act 1933.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the XXXX XXXX XXXX so that XXXX and Experian and correct my credit report and start reporting accurate student loan information from XXXX. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (AZ)

Was contacted on XX/XX/23 through XXXX that my credit report showed a new collection account. Saw that the collections agency, Sunrise Credit Services , Inc., had placed a collections regarding an XXXX XXXX XXXX  debt. When I called them, they stated the account was originated in California and sent me a fraud packet to fill out. The debt was for {$2000.00}.
Consumer complaint received 2023-09-09
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

In all began, XX/XX/2022. I am not sure of the specific date but you will notice patterns of transactions on two of my credit cards. The transactions came in crazy for about a month. Since then I have been trying to file disputes but I found myself paying interest on transactions that werent mine. For nearly two years I have had to deal with there fraudulent charges. Accumulating to over XXXX. I have had to buy most of it down. The Apple company does a poor job in verifying purchases. As soon as I noticed these charges I requested a new card and apple had sent suspicious activity warning to my email but never did they permanently remove the charges from my account. The discover credit charges began the same week. I noticed immediately too and I have had to speak to multiple people and had to file multiple disputes only to end up in the same spot. Two credit cards having a mass spending is no coincidence. I noticed that not only have I lost the physical card but both these cards are the only two out of the 7 I had that was connected to my phone. I went as far as contacting the police and explaining my situation. It turns out the mall I had visited on my birthday XXXX XXXX there had been reports of stolen information when charging your phone at a port. I tried explaining this to my credit card companys but they cant asking for information I did not have. I figured out the problem but they couldnt grant me the dispute. So please, now I know not to using a phone charging station in a public setting. Ive been severely suffering and I dont want to sue these two companies for the impact of emotional distress Ive been experiencing for the past two years. I have been trying. I am a XXXX  XXXX  just trying to focus on school but I was faced with at a XXXX  age to deal with serious matter.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (NC)

My concern arises from XXXX 's false and misleading representation, as well as their use of unfair and unconscionable means to collect an alleged debt. It is clear that XXXX has mischaracterized this situation by referring to the alleged debt as an " account. '' The term " account '' has specific legal implications, as outlined in 15 U.S.C. 1693a ( 2 ), and XXXX 's misuse of this term is both misleading and unlawful.Furthermore, my complaint addresses a broader issue related to debt collectors ' practices. When a debt collector places a tradeline onto a consumer 's credit report and makes an inquiry or permissible pull under 15 U.S.C. 1681b ( a ) ( 3 ) ( 4 ), the definitions in 15 U.S.C. 1681a become applicable, including the definition of the word " account. '' Debt collectors often assert that they have a permissible purpose to obtain a consumer report and place a tradeline onto a consumer 's report because they claim that the consumer has an " account '' with them. However, as per the law and the specific definition of " account '' in 15 U.S.C. 1693a ( 2 ), no consumer has an " account '' with any debt collector.In accordance with 15 U.S.C. 1693a ( 2 ), the term " account '' is explicitly defined as follows : " The term 'account ' means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open-end credit plan as defined in section 1602 ( i ) of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement. " It is abundantly clear from this legal definition that no consumer has an " account '' with a debt collector by operation of law. Credit Corp Solutions Inc misrepresentation of the term " account '' in their collection attempts is not only deceptive but also in direct violation of the Fair Credit Reporting Act ( FCRA ) .I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Credit Corp Solutions Inc for their misleading and deceptive practices. Furthermore, I request that you provide guidance and oversight to ensure that debt collectors adhere to the accurate and legal use of terms, particularly the term " account, '' when attempting to collect alleged debts.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( LIGHTSTREAM ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( LIGHTSTREAM ) of any sort.

In regards to The company ( LIGHTSTREAM ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( LIGHTSTREAM ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank has not been reporting ALL of my revolving charge cards considering I have XXXX accounts with Comenity Bank. They have been reporting only XXXX accounts and have not been reporting XXXX of my accounts to XXXX, which is unacceptable. I did contact XXXX XXXX at XXXX over the telephone on XX/XX/23 at XXXX PST and I ask the representative to transfer me to a supervisor or Manager so I can attempt to have this resolved. I was transferred spoke with a supervisor named XXXX, who listened to my issue but stated she could not assist me and that I needed to contact XXXX to discuss my issue and have it resolved with XXXX. I then know I XXXX was providing me with absurd guidance, because why would I contact XXXX about charge accounts that Comenity Bank is not reporting to XXXX. This isnt something XXXX has control over, because why would a credit reporting company have input or control of accounts that dont have reported on their end. Its Comenity Banks responsibility to report All of my accounts correctly to the consumer reporting agencies, per the FCRA. I stated the same information to the Supervisor XXXX and expressed my frustration with her poor guidance. I then asked her to provide me with Comenity Banks address to report issues or complaints. She placed me on hold about XXXX minutes and then provided me with the main address for Comenity Bank.
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MI)

I bought a transmission fome XXXX XXXX for {$700.00} but the seller was fraudulent I dispute my money but PNC bank declined my claim.my money went to PNC bank but refused to contact it's customer and declined my claim.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Around XX/XX/2023 Citi blocked my ability to access my funds on my checking account arguing they could not verify my identity. I went to the branch and presented my passport and still Citi did not unblock my account with me present and with my official ID. I then called multiple times and Citi argued they could not unblock my account until I had my phone verified. I provided my number which was the one I used at opening the account and they said they could not verify it. This happened multiple times after hours on the phone and multiple visits to branches. Citi on XX/XX/XXXX said they would send me a letter with a verification code and that it would take 5 to 10 business days but I never received the letter despite Citi having confirmed that they have the right address. Today is XX/XX/XXXX  and I have still not received the letter nor has the account been unblocked despite my efforts through calls and visits to branches. As it stands Ive incurred in around XXXX dollars worth of fees. XXXX XXXX at the Citi XXXX XXXX XXXX and XXXX XXXX was the last interaction I had at the branch today. They called the Citi team that is supposed to be able to solve this but they have referred to a verification letter the same referred to above from XX/XX/XXXX that I never received. I did receive however another letter from citi regarding tax forms so we know that I live at the address stated on my account and that citi is able to get letters to me. This is causing not only a high degree of XXXX  but I have also not been able to make any payments from my account including rent and utilities which not only damage my credit score but also creates the risk that I breach my lease and my other obligations. This is also the account where I receive my salary so I dont have access to that either.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from XXXX and Equifax ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( XXXX, Equifax, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

I am constantly being denied credit due to information on my consumer credit reports. I never gave any one written consent to share any personal information on me.15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per U.S. Code 1681n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After speaking with numerous customer service representatives in the dispute department at XXXX, my home address still is inaccurate online. However, each time a report is mailed to me it shows an accurate home address. Since XX/XX/2023, my full home address and full name has been changed or updated incorrectly. When a third-part credit reporting entity does a soft pull or runs my credit report, my information pops-up partially, outdated, or totally incorrectly. This has caused adverse decisions when applying for loans and other monetary things that require personal identification verification from XXXX and TransUnion. For example, I was denied a credit card from XXXX XXXX, because they could not verify who I am with the personal information on my consumer credit report from XXXX and TransUnion as well. Currently online, my apartment number XXXX is missing in the personal information section on my XXXX consumer credit report. A copy of my driver 's license and social security card was sent to verify my full home address with the apartment number, and the spelling of my middle name in XX/XX/2023.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (IL)

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (IL)

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( PAC AUTO FINANCE ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( PAC AUTO FINANCE ) of any sort. 

In regards to The company ( PAC AUTO FINANCE ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( PAC AUTO FINANCE ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.