davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: Thaxton Investment Corporation (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have then right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OR)

We contacted an online vendor XXXX in an attempt to purchase a puppy. Multiple days of communication both phone calls and texts with someone supposedly named XXXX XXXX living in Colorado sent us photos and videos of the puppies. They also sent contract documents via email for us to sign. After agreeing to purchase the puppy and have it flown over to us we sent {$900.00} via Zelle through our XXXX XXXX app. The next day XXXX contacted us to say they needed {$2000.00} more dollars to ship the puppy. This was never mentioned and we then knew it was a scam. No more than 12 hours had passed and we contacted the bank to file a claim. They were unable to get our money back. We thought with it being such a short window and large amount of money there would be a 24 hold or something. XXXX obviously will not return calls or texts. We then did extensive research to find the mailing address they use is not theirs and the phone number IP address is tracked back to XXXX.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (DC)

I have had problems with my BJs Mastercard credit card serviced by Comenity Capital Bank since their XX/XX/2022 software change. The first problem was that my credit card was denied during my XX/XX/XXXX vacation that their Customer Service attributed to the recent software change and took a couple days for fix the problem. Since that time I have consistently had problems receiving my Awards dollars ( or XXXX XXXX  ) when I make purchases at various BJs locations. My current Awards dollars ( or XXXX XXXX  ) balance as of today is {$230.00}. It's impossible to reach a live person via their XXXX XXXX at XXXX as I've waited XXXX minutes multiple times before giving up. I have also sent multiple Secure Messages via the BJs/Comenity website and received back non-sensical canned responses. For months the following has been posted under their Awards tab : " Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. '' I have repeatedly requested a {$230.00} credit be added against my credit card balance with no response. I will be paying my remaining balance in XX/XX/2022 and will no longer use this credit card until BJs/Comenity fix problems.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-11-04
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)

Just thinking of the days, weeks and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Experian. I already contacted the furnisher and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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. (NY)

I dont know where to put myself by this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Experian doesnt have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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. (NC)

This is my another 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 items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-04
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. (NY)

Regardless of the previous written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-02
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. (CA)

In late XXXX of this year my XXXX account which is connected to my XXXX XXXX  account was hacked and somebody made fraudulent purchases through this account. I had this account set up for autopay and was not aware until later that my autopay payments for my car loan were being rejected. I have been with XXXX XXXX for a year and a half and never have been late. XXXX XXXX apparently were sending out my statements to the wrong address and I wasn't receiving any notice that I was behind. When I did find out what had been going on I contacted XXXX XXXX by phone and immediately paid the balance up to date. They promised on their website to make efforts to contact you if you are behind but they apparently made next to none as they couldn't even get the address correct and were about to put me in collections! 

They then reported me to the credit bureaus for being late after I told them I had been a victim of identity theft. I also wrote them a letter explaining this, submitted proof from my XXXX account and the report that I had filed with the FTC. According to FCRA they are not supposed to report information that is related to fraud, yet they did and rejected this information saying it was still paid late. Duh, yes it was because my accounts had been hacked and you are sending my statements to the wrong address. 

And when I called your representative and gave them my new bank account information they assured me they would put me on auto pay as your website is a confusing nightmare to try and access. They didn't put me on autopay but I did at least this time receive a letter notifying me that again the autopay wasn't working and had to go in and do it myself, getting me stuck with more late charges. And even more annoying I still can't put the account on autopay to have peace of mind with my car payments automatically leaving my account because your website won't let me again. I honestly think this is set up deliberately to make it as confusing and difficult for the consumer as possible in order to slip in a bunch of late charges. I also have " other charges '' on my statements that don't even explain what they are for. So shady. 

I demand that XXXX XXXX remove the late payment off my credit as per the rules of the FCRA - " businesses are not supposed to reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft ''. 
I was, I identified the information and provided the identity theft report. Please remove the late payment from my credit report, AS IT WAS A RESULT OF IDENTITY THEFT! My XXXX was even hacked and I am banned from it as a result of these thieves. 

Thank you, XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Roadrunner Account Services, LLC (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose.

44.6K 435 7667
Consumer complaint received 2022-11-04
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. (GA)

This is my another 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 items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA has egregiously mishandled a credit card dispute I have opened. During this process, I have filed multiple complaints with the CFPB regarding promises made by USAA and their continued inability to properly handle my credit card dispute. During this process, I believe USAA has retaliated against me and has sent me a letter threatening to close my accounts with them. 

I believe USAA is intentionally upsetting me by placing upsetting phone calls, and then threatening to close my accounts based on my responses to their upsetting outreach attempts. Today, I was called by an associate from USAA who lied to me, mocked me, and generally upset me by using phrases such as " you don't just get what you want '' and " that is not how the system works. '' This associate intentionally upset me by redirecting the conversation to points I requested not to talk about anymore. 

This phone call was not expected nor requested. The intent of the associate was not productive with no legitimate intent other than to upset me, I believe in an attempt to engineer a hostile situation where they may forcibly close my accounts. I believe this is legitimate retaliation.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (FL)

I opened a checking account with Popular Bank in XXXX 2022. In XXXX 2022 I was informed by Popular Bank that I live outside of the community they serve. I live in XXXX XXXX FL, their closest branch is in XXXX FL. I understand this and accept their decision however I deposited in total {$320.00}. To date the bank has only returned my initial deposit of {$100.00}. The bank is requesting that I visit the XXXX branch in order to retrieve the remaining funds. I accept that it is their right to close the account due to me living outside of the community they serve, however asking me to then visit the branch to retrieve the remaining funds is not logical. I have called numerous times to request that an official check be mailed to my address but they refuse. I would like for a check to be sent since I live outside of their service area it would be an undue hardship to request that I now visit their branch in XXXX FL.
Consumer complaint received 2022-11-01
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. (TX)

Nothing was done it's been 32 days and i need this information remove! 

All Hard Inquiries and soft Inquiries as well 11. Names 21. Address 2. SSN Variations 4. Employes 5. Other Records
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As a federally protected consumer I sent a notice to such company to opt out with information sharing on XX/XX/XXXX. I have never received notice or disclosure to opt out per 15 USC 6802. Furthermore, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I, the consumer may have given you written, unwritten, verbal and nonverbal to any third party that is effectively immediately and indefinitely.Per the privacy act of XXXX, such financial institution violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed.
Consumer complaint received 2022-11-01
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. (GA)

I sent my letters off about correcting my personal Information and it is still wrong. 

I don't want this on my credit report. 

According to the Fair Credit reporting Act 15 USC 1681, I have the right to privacy.

Also according to 15 USC 6802. 

No financial institution is not suppose to share my information to any third party people. 

These are clear violation of my federal protected consumer rights.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 2022-11-01
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. (NV)

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX XXXX : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX Experian : XXXX, date filed XX/XX/2013, reference # XXXX See attachment
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX