davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX accordance with the Fair Credit Reporting XXXX XXXX Bank Of America XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States that 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 an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

I have received several cards from this same bank. Comenity Capital Bank. I keep calling and they keep giving me random responses. I was told that they did not have a fraud department. In the past four days I have received three separate mailings with cards but different stores. one for XXXX XXXX, XXXX and a XXXX XXXX store. There was a credit card received from XXXX  XXXX XXXX. There is another for XXXX  XXXX XXXX XXXX card. I am receiving car loan information. I was told that because it was all of my correct information it was not fraud. I told them that it is not mines. That my address was also changed and that I had already contacted the postal services. They refused to open a fraud case. I called on Saturday XX/XX/23 and spoke with XXXX. On XX/XX/23 I called again and spoke with XXXX. On XX/XX/23 I spoke with XXXX. Then on XX/XX/23 I received another letter for another application. I called the XXXX Postal service because on XX/XX/23 I also received a letter stating that a change of address was also put in for my mail. I made a complaint to the XXXX Postal Service and that was not a great experience. I was told to call my local post office and I could not get anyone because I was told they were too busy on Mondays and told to make a complaint to the XXXX XXXX XXXX. I was told my mail was sent to the XXXX NY. It was changed for XXXX XXXX to XX/XX/XXXX.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is knowingly reporting inaccurate account information regarding my XXXX XXXX XXXX XXXX XXXX after being notified of the inaccurate information which is a violation of 15 USC 1681s-2. My account was updated to CLOSED/NEVER LATE on XX/XX/XXXX. I contacted Experian regarding the status, disputing that it was closed because it is in fact OPEN. They stated they would submit a investigation and XXXX days later updated my account as PAID/CLOSED showing late payments from XXXX XXXX. This information is incorrect and inaccurate. My account has been reopened since XX/XX/XXXX and they did not properly investigate my dispute, but instead they have reported inaccurate information. Pursuant 15 USC 1692k I am entitled to damages from the consumer reporting agency under the FDCPA. My reputation is being tarnished by them reporting inaccurate information and I am unable to secure a home loan due to this inaccuracy on my consumer report. What was the method of verification for this investigation, how did they come back within 2 days with this inaccurate information that they are reporting. Had Experian fact checked this information on my consumer report they would have know that this status is incorrect and inaccurate. The consumer reporting agency failed to follow reasonable procedures to assure accurate reporting.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

Explicitly instructed card not to allow specific merchant not to make any charges on my account after writing to merchant and cancelling their services. Card continued to allow the merchant to charge my account even after providing them with written copy of the cancellation. 

I made a complaint to the XXXX, and the merchants Vp even said charges would be reversed yet this past Saturday and Tuesday morning XX/XX/21 the disputed charges are now showing up on my cc account again. 

I even fully paid off the credit card account and closed it a few months ago to ensure no future unauthorized charges got pushed through in the future and now those disputed charges from the merchant are showing back up on my statement even though the card is closed.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

I was notified of a new line of credit on my credit report. It was from Credence which is a debt collections agency. I contacted them to see what it may be from and was informed that I owed XXXX XXXX XXXX XXXX {$1800.00} for devices that were purchased in XXXX of 2022. I have never had an XXXX XXXX XXXX XXXX account or used them to purchase devices. I was provided an address in XXXX, MI and phone numbers by the credit reporting agency that did not match my information currently or at the time of the theft.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the fair credit reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been reporting some time now about identity theft to all credit bureaus which has resulted in a lawsuit against XXXX Now I an starting to get many thing reported on my XXXX and Transunion credit file, accounts and inquiries that are not mine. 

XXXX is reporting : XXXX XXXX XXXX on my credit file that is not mine. I have no knowledge of this company and I have never opened an account with this company. 
XXXX is also reporting hard inquiries that are not consented by me as I have not giving anyone permission to run my credit : XXXX XXXX NA ( XX/XX/2022 ) Factual Date ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX  ( XXXX XXXX, 2022 ) XXXX  ( XX/XX/XXXX. 2022 ) TransUnion has tremendously dropped my score due to inaccurate credit reporting. 
TransUnion reports accounts that are not mine : XXXX XXXX ( XX/XX/2022 ) {$5700.00} XXXX XXXX XXXX ( I have has these loans in the past but I have not opened up another one and they have one on my credit file showing that it is past due, {$1200.00} reported XX/XX/2022 ( this caused my score to drop ) XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 balance {$810.00} XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 Balance {$1300.00} Transunion is also showing hard inquiries that I and no knowledge of or gave consent as I have not had my credit ran XXXX XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX  ( XX/XX/XXXX. 2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/XXXX. 2022
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

The law states that there should not be a late payment reporting on my consumer report at anytime and should no include any transactions or experiences between me the customer and any person making a report furthermore I have never given any consent for these alleged transactions. 

These areas clear violations of my consumer rights under. 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and 15U.S. Code1666b
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX I was enrolled in XXXX College in XXXX La. I completed my book work but had to do extern inorder to complete the course for XXXX XXXX. Due to me being around 7 to 8 months XXXX  the school pushed back my extern to 6 weeks after I had my baby which was XX/XX/XXXX but before I could come off XXXX  XXXX  to complete the course the school unknowingly shut down for fraud.. They stole the students money and didnt pay the teachers it should be in public record.. I had been deferring and trying to fight having to pay for the loan because the school said that I was approved for free services but unknowingly took out loans and most definitely since the school closed with fraud, I shouldnt have to repay the loan that I didnt know about.. I feel all the late payments are inaccurate because I wasnt paying due to legal reasons trying to fight having to pay the loan.. the negative remark is the only negative on my report thats affecting my credit score. My taxes did end up getting took to cover the student loan which has XXXX balance now, but still with the late payments I feel thats not fair, and should be removed especially due to circumstances that are not my fault at all..
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I sent Experian a letter of reinvestigation making the company aware that I never received an initial investigation as Congress states Im entitled to on accounts reporting ( 15 U.S.C 1681a ( e ) investigative consumer report ). Once Experian assumed this vital role and grave responsibility of fairness and maximum accuracy their duties were clear and precise. Only the derogatory accounts below prove otherwise. Untrue, unverified, incorrect, non-compliant with the CRSA enacted CDIA Metro 2 Compliance regulations. the accounts that are being questioned lack proper investigation and accuracy. I do not have any affiliation to XXXX and any personal data that Experian has sold to that company compromised my identity, every time Experian purchases, sells and furnishes my data without lawful investigation. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF 1974 LAW. Instead of Experian removing the errors they updated which further violates my federal consumer rights. I was never late with XXXX and Experian has had 48 days to do a proper investigation. Please update XXXX billing error to paid as agreed never late ( PAANL ) 15 U.S.C 1666 Billing Error ). Delete XXXX account as it is non-compliant and untrue. Experian also had 5 business days to send me a written notice of dispute which I have never received pursuant to 15 U.S.C. 1681i. Delete these erroneous furnishings do to numerous violations and failure of proper procedure compliance. Please help protect me from these deceptive practices and being federally violated.
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Emergent Business Group, Inc. (AR)

On XX/XX/XXXX at XXXX XXXX  I recieved a call from a man claiming to be with Emergent Servicing. When I answered the call i did confirm my name but when he said who was calling I asked what the call was regarding and he said debt collection. I asked who their client was as I didn't recognize the name Emergt but the agent refused to tell me any more information unless I further confirmed my identity. The agent began asking for my information which I told him I wouldn't provide unless I knew who his client was or more information. While I was still speaking to refuse the agent said ok and began telling me a date of birth and what i think was an address and then asked was this information correct. I still didn't confirm and only responded that I wouldn't confirm anything without knowing the client, as i didn't think that was the proper way for him to try to verify my identity. Before i could finish saying that the agent started speaking over me again saying he had my employer 's information and then hung up. This was the first and only call i have received from this number or someone claiming to be with Emergent but i am sure he was not supposed to tell me that information without verifying my identity nor should he be threatening to contact my employer
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (FL)

As of XXXX XXXX XXXX XXXX XXXX XXXX keeps reporting information on my consumer credit report such as {$16000.00} without my consent. I, XXXX XXXX have a right to privacy if you are disclosing a right to privacy if you are disclosing ( NPI ) nonpublic personal information to nonaffiliated third parties, and that disclosure does not fall within any exception required by the Fair Credit Reporting Act.The Gramm-Leach-Bliley Act 's notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ) .If the FCRA currently requires that you make clear and conspicuous disclsures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so.The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers.The Federal Trade Commission ( FTC ) , the federal banking agencies, other federal regulatory authorities, and state insurance authorities enforce the GLB Act.Each agency has issued substantially similiar rules implementing GLB 's privacy provisions.The FTC has jurisdiction over any financial institution or other person not regulated by other government agencies.The FTC may bring enforcement actions for violations of the privacy rule.The FTC can bring actions to enforce privacy rule in federal district court, where it may seek the full scope of injunctive and ancillary equitable relief.The FTC Act also has authority to examine privacy policies and practices for deception and unfairness.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

$ XXXX wire transfer stuck after Citi account closure Need urgent resolution. 

On XX/XX/XXXX, I wired $ XXXX from my XXXX account to my friends Citibank account to help with an urgent situation. We signed an unofficial agreement, and everything seemed fine. Fortunately, my friend didn't need the money, so we tried to return it to my XXXX account. Thats when the problems began. 

Key events : - On XX/XX/XXXX, Citi sent a letter confirming my friends account would be closed without explanation. 
- On XX/XX/XXXX, my friend opened an exec team request to return the remaining balance. 
- On XX/XX/XXXX, Citi sent a check but it was missing the $ XXXX. 
- On XX/XX/XXXX, per Citi directions a wire transfer recall request was submitted from XXXX to Citi. After that Citi verified that the owner of the account ( my friend ) was willing to return the money. 
- However, after all the due diligence Citi is still not returning the funds. 

Despite multiple follow-ups with both banks Citi is still holding the funds without any details on the process, timelines, and next steps. The only thing that Citi suggested was to request another wire transfer followed by the hold harmless letter. XXXX does not provide such letters as it assumes removing any responsibility from the other party. 

Happy to provide wire transfer confirmation, account statement, and other details upon request.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (NC)

FCRA 15 USC 6802 ( 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 ( 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 party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This collection agency has violated FRCA 15 USC 6802. I was never given the opportunity for non disclosure option in any shape or form.Not only is IC system reporting inaccurate information ( wrong information such as address ) but but reporting misleading and misinformation AGAINST MY WILL.This has completely violated of my consumer privacy rights. This collection agency has engaged in false and misleading practices violating FDCPA 807 and and providing misleading forms violating FDCPA 812.This matter has effected my privacy and cause defamation of my character.I asked for this to be resolved by removing this negative remarks OFF my credit report with all 3 credit bureaus as I the consumer have NOT AUTHORIZED IC SYSTEM to report ANYTHING on my credit report.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I tried applying for a XXXX  loan but my credit report was pulled from multiple sources and I did not know. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 
these are the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX us department of eduXXXX us department of eduXXXX us department of eduXXXXXXXX us department of edu/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX