davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX  ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX Bank XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2016-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collection Service, Inc. (TX)

the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to XXXX. 
under Section XXXX of the Texas XXXX XXXX laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 

Columbia Collection Service , Inc. failed to notify the credit reporting agencies that the debt is disputed. FDCPA Section 807 ( 8 ), FDCPA Section 805 ( c )
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I left Bank of America because they were robbing of money through their overdraft fees. I would pay for items and the money would clear on my app but Bank of America would hold the charge until their was insufficient funds in my checking account then allow the fees to go through causing overdraft fees.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

I went to XXXX fromXX/XX/XXXX - XX/XX/ and I used my Barclays JetBlue  card it card. After my return the card was used in XXXX from XX/XX/ -XX/XX/XXXX for a total of {$4400.00} and I was alerted by Barclays fraud alert onXX/XX/XXXX, the card was immediately cancelled and a new one was issued. Since then Barclays has reinstated the charges even though I have sent repeated letter the last one onXX/XX/XXXX including copies of my boarding passes in and out of XXXX showing that I was not in XXXX at the time of the charges.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (MD)

I was told on XXXX XXXX, 2016 that my checking account at BBVA Compass Bank was being closed due to an unrelated issue and I agreed. I inquired as to the procedure to cancel a direct deposit and was told to contact my employer directly as no further depozits would be accepted into the account ; which I did the same day. Unfortunately the deposit came thru anyway due to insufficient notice time to cancel the deposit and reroute to my new bank. Once the deposit initiated, BBVA allowed the deposit to be placed into the supposedly " closed '' account but still refused me access to any money, although clearly the account had not been closed, now they are telling me that the account has been frozen for three weeks. this is clearly not the case as I have been able to log on BBVA 's online and mobile banking on my phone as well as continue to call into the customer service and access my balance over the phone thru the automated as well as thru speaking with a customer service agent. If the account has been frozen, no entries into or out of thean account would have been allowed and the direct deposit ach would have been rejected back to my employer. My employer even attempted to retrieve the deposit back and was denied stating that the money was not there and I have written confirmation of this. As of today, XXXX XXXX, 2016 I am still being lied to regarding the status of this account as well as being lied to about a check being process - along with being able to view the money in the supposed closed account as an active account would show, my access to transfer or remove the money has been supended. Because this is my paycheck money and only a partial payment ( I only get paid monthly as a XXXX ) and now am being forced to wait until XXXX XXXX, 2016 to receive my next pay deposit ( into the correct bank account with XXXX XXXX ) - this situation is causing me undue financial harm, my bills are going unpaid because BBVA Compass is an unscrupulous bank who has thus far been totally unresponsive, or has told lies/untruths about the whereabouts of my money. I am asking that a formalcomplaint be opened against BBVA Compass Bank asap. Thank you.
Consumer complaint received 2023-07-13
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. (TX)

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 2023-07-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (FL)

On XX/XX/2023, I was a victim of identity theft. Starting on the evening of XX/XX/XXXX I began to notice withdrawals from the Credit Karma spend account that I did not authorize. I still had possession of my card so I did not understand how these transactions were being made. I was able to log into my account on the mobile application because biometrics were used. However, when attempting to log into my account on a computer, the system did not recognize my login. After contacting Credit Karma by phone, I was notified that the email address was changed on my account and it was updated. A total of {$650.00} was taken from my account in 2 days. I disputed the transactions and we only refunded {$500.00}. Credit Karma, unbelievable to me, determined the remainder of the transactions were made by me... .they were not. I was transferred by email to Credit Karma 's fraud section ( they only communicate by email ) and sent them a copy of my driver 's license ( front and back ) and a copy of my marriage license. I also, just today sent them a selfie holding my driver 's license. Even with all of this, my funds have not been returned.
Consumer complaint received 2017-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Summoned to comply with demand in petition on XXXX XXXX XXXX in amount of {$6800.00} have 15 days to comply in XXXX Judicial District Court Parish of XXXX XXXX
Consumer complaint received 2023-07-13
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. (MO)

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 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-13
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. (LA)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2016-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

I have been on economic deferment since I left college and my student loans are through XXXX XXXX XXXX, XXXX and Salle Mae. All of my loans are currently in good standing except for Salle Mae. They sent my loans to a secondary company that I was never able to call or contact. Every number I was given from the collection agencies and from XXXX to reach the secondary agency just lead to a phone number that listed offers for XXXX gift cards and XXXX services and then you could never get to an agent to try and find out why the debt had been sent there. I filed a dispute with a lawyer through XXXX services, but was never contacted again about if anything had come from it. Now there are XXXX loans in collections and they took my last years tax returns. Any attempt to file anything with Salle Mae was always difficult and I filed my documentation through FAFSA. My biggest concern is that SallyeMae had a secondary company it used that was unreachable and then they just had XXXX send my loans to a collection agency although I had filed forms with FAFSA for economic deferment and now they have gone so far the companies will not pull them back and the collection agencies do n't recognize economic deferment. I get countless calls a day from autodialers that do not leave voice mails and my tax returns are going to be taken again next year. Prior to this they in 2008 I was attending school and they were calling me telling me I had to repay my student loans although I was in school and was exempt.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-13
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. (PA)

Experian has broken the law! They violated FCRA laws by inaccurately reporting accounts listed on my credit profile, Experian displayed accounts that I gave no verbal or written consent to display, and Experian furnished information solely based on transactions or experiences. I am demanding the following accounts be removed immediately and for Experian to remit the amount of {$10000.00} payable to me for XXXX, emotional distress and hardship. The accounts that should be removed are : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX Card Account number XXXX, XXXX  Account number XXXX, ALL DEPT OF EDUCATIONXXXX Accounts It is showing account numbers for all Dept of education/XXXX  is listed as XXXX. XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX XXXX Card Account Number XXXX.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

CITIBANK closed by savings and checking account. I had all of my money in that account and now theyre telling me that they cant give me a date as to when my refund check will be sent so i can access my funds. All i am being told is it can take up to 60 days. Unfair i have to wait 60 days for my OWN money. Citi does not seem to care
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

In XXXX I took out an auto loan with XXXX, which is now Santander bank. XX/XX/XXXX I filed for chapter XXXX bankruptcy and included the remaining car payments in my bankruptcy payment. My case was closed and a discharge was granted on XXXX/XXXX/XXXX. I have been calling Santander for about a month requesting the title to my loan. The latest excuse was that they do not have the title and they put in a request to XXXX to release the title. This confuses me since XXXX XXXX is now Santander. I am hoping that I can find some resolution to this since I would like to trade my car in within the next month.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX erroneously reports the payment made in the last month reported on the credit hx was late. We traded this vehicle in on another in XXXX 2012 & payment was current. The car dealer sent the payoff for this vehicle LATE to XXXX XXXX XXXX. XXXX XXXX check records for date of vehicle trade, refinance of new vehicle versus date the dealer sent the payoff in, & confirm payment was late as a result of the dealership handling & not the customer. Our payments were on time. I received late notices from XXXX XXXX & contacted them at least 2 times as well as XXXX of XXXX requesting they get this taken care of because I do not like being accused of being late when I am not.
Consumer complaint received 2017-02-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (SD)

Our daughter worked for U. S. Bank Home Mortgage in XXXX, MN. She passed away unexpectedly on XX/XX/2016. We, her parents, were beneficiaries of her XXXX savings plan. We have collected the proceeds from that account. We have since received a XXXX which shows there is income tax due on a distribution of XXXX of dollars, which was supposedly used to pay off a loan against this account. We have no knowledge of this loan or payment. We have been trying for weeks to get an annual statement of this account which shows us the dates of loan and payment, how the request for a loan was made, to whom the loan was distributed and how was it distributed. We see no evidence of that amount of money being deposited in our daughters account. We were told that as beneficiaries of this account, we were entitled to this information. We have called them numerous times and talked to various people that always refer us to someone else. ( They have put us on hold for over 50 minutes some times. ) They never call us back as they said they will. It almost seems that they have something to hid and hope we will just go away.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (FL)

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of 2022 without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX, XXXX, almost XXXX  and attempted XXXX  multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.