davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of XXXX XXXX XXXX  reporting to my consumer report.
Consumer complaint received 2023-07-18
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

THE ARE NOT CREDITING MY ACCOUNT PROPERLY.

IT IS ILLEGAL TO REPORT TRANSACTIONS HISTORY ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. 

( 2 ) Fees for preparation of a deed, settlement statement, or other documents. 

( 3 ) Escrows for future payments of taxes and insurance. 

( 4 ) Fees for notarizing deeds and other documents. 

( 5 ) Appraisal fees. 

( 6 ) Credit reports. 
AS PER A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION I MAY HAVE GIVEN YOU WRITTEN, UN-WRITTEN, VERBAL, UN-VERBAL AS PER 15 U.S.C 6802 ( b ) Opt out ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third parties ALSO ANY CHARGE OFF ON MY REPORT IS CONSIDER A CERTIFICATE INDEBTEDNESS BY LAW INCOME AND INCOME CAN NOT BE REPORTED. 
APPLY ALL RULES OF THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT OF XXXXFOR VIOLATION THAT APPLY. 
ALSO REFER TO THE INDENTURE ACT OF XX/XX/1939 ATTACHED
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (LA)

I have a USBank personal credit card account which should currently have a XXXX balance, but does not as USBank is claiming that I owe yet another {$100.00} in interest charges in the next 8 days. 

I have a credit limit of {$14000.00}. According to my XX/XX/XXXX billing statement, I had a balance due of {$10000.00} where a {$350.00} payment credit was made, with alleged interest in the amount of {$220.00}, leaving a billed balance of {$10000.00}. This statement shows an opening date of XX/XX/XXXX and a closing date of XX/XX/XXXX. Unbeknownst to me, and based on the information provided to me through the online account, I submitted a payment of {$10000.00} on XX/XX/XXXX. My understanding was that my account would be a XXXX balance with said payment. However, I logged into my online account on or about XX/XX/XXXX and discovered that my balance was not XXXX, but instead, carried a balance due of {$220.00}. I reached out to customer service through the online site 's secure chat system about this issue and the representative informed me that the balance, which was XXXX 's interest, was valid and needed to be paid in order to bring the balance to zero. While I did not necessarily agree with the charge, I paid that in full. Now today ( XX/XX/XXXX ), I logged into my account yet again because it's normal practice for me to check my credit card online accounts frequently, and I discover yet again that I now have a balance of {$100.00}. I have not made any purchases or charged anything to this card in months. I reached out via telephone to customer service again today, and again, this representative tells me that the {$100.00} is a valid charge. She informed me that the {$100.00} balance was interest charged on the prior {$220.00} interest charge. How is that even possible? How does that make any sense? How could that possibly be legal? The rep stated that I should have paid the {$220.00} interest payment by XX/XX/XXXX - that making said payment on XX/XX/XXXX was the reason why I was charged interest on top of interest. According to the online account, this additional {$100.00} was also applied to my credit card account on XX/XX/XXXX. Not only was I charged interest on interest, but the percentage of interest I was charged was nearly 50 % which is not APR for my account. Additionally, interest is ONLY charged on " purchases '' not on interest. I expressed to the rep today that I disagreed with the charge, but she stood firm on her position that the {$100.00} was a valid charge.
Consumer complaint received 2019-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

XX/XX/2019 : Paypal I believe in response to my demand later PayPal suspend my processing account. They also suspend the account of a few clients. Without question, they've done it again and I quite frankly don't appreciate it. This has hurt my brand, as clients are now upset with me for their accounts being closed. Earlier that day, I spoke with a rep who asked me to provide a receipt and proof of material from a supplier. However, I informed him that because Paypal was the merchant processor than the receipt would come by way of how Paypal recorded it. Also, due to the service I provided is a digital one I didn't have a material supplier. I, also, told them that they could call my customer to verify that the service was provided. In the end, Paypal still suspended all of the accounts- mine and my customer. 

All this comes with no explanation on Paypal part and it's affected my business because they've frozen {$8500.00} for six months! I have a family and bills that are due soon. I have given them my client 's info for verification and they've refused to check with those they claim they're trying to protect. 

I don't know why they've done this to me. Please help.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

After doing careful research reading the FCRA laws XXXX, Equifax, and XXXX  are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint to address this account which is reporting inaccurately as late payment on my credit report despite of my long-standing history of timely payments. This is clearly Inaccurate reporting. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.
Consumer complaint received 2023-07-18
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. (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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I am writing to file a formal complaint against Credit Acceptance Corp. regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/year> I notified Credit Acceptance Corp. that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with Credit Acceptance Corp.

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that Credit Acceptance Corp. has continued to furnish my non public personal information to non-affiliated 3rd parties and consumer reporting agencies without my consent.

The unaurthoirized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm.

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that Credit Acceptance Corp complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like myself.

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by Credit Acceptance Corp. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXX XXXX, EQUIFAX, AND XXXX ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681 b 2 - ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 
2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b 4. 15 US Code 1681 a 2 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-12-26
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-07-18
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. (CA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 S
ection 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 2020-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I made my fourth of three monthly payments to the servicer in XXXX, which made me eligible for their Get Current Program, which meant that my past due payments would be brought current, and I would be enrolled into their direct debit program moving forward. On XX/XX/XXXX, I checked my bank account and realized the XXXX payment hadn't been withdrawn, so I made it over the phone. It was not debited from my account until XX/XX/XXXX. This also mea n't my payment was more than 60 days late and the company reported a late payment to the credit bureaus. 
On or about XX/XX/XXXX, I spoke to XXXX with Firstmark Services, and explained to him that I made my XXXX payment but that it was not debited and I had to make another payment as soon as I realized. He said if they researched the call and found out I made a payment, my payment that posted on XX/XX/XXXX could be retroactively applied to my account and I would be credited with a XXXX payment, and I would qualify for the Get Current Program. He needed me to find out the exact date and time of the XXXX call, which I did after spending an hour on the phone with XXXX XXXX XXXX. I called and gave him the information and to this day and 6 calls later, have not received a response. XXXX also said they could retract the late payment report to the credit bureaus. I made another payment in XXXX so as not to have another hit to my credit. Despite being provided with he information XXXX requested to resolve the issue, I have never received a call back.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NC)

Invalid credit report item was realized, disputed, and was updated as valid by XXXX XXXX and the alleged lender. We have not entered into contract for any amount with it or the original alleged Creditor.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX XXXXXXXX chase bank has decided to close my account for no reason provided. 
Until this day XXXX XXXX XXXX XXXX I still do not have any explanation on why this happened and my very needed funds are still blocked, I am ok with them closing my account, since its at their discretion but not ok with them not sending my my account balance XXXX XXXX XXXX that are needed to provide to my family. This is unacceptable, especially during the XXXX. Because of the this my children wont be able to have anything for XXXX. I need your help please
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NM)

In XXXX of XXXX I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.