davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: CREDIT ACCEPTANCE CORPORATION (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the accounts # XXXX & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be addressed with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages In a XXXX Court room. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 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 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an 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 2023-03-16
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: Adler Wallach & Associates, Inc. (CA)

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 purpose.
Consumer complaint received 2023-07-03
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 XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

On several occasions during the past years I have been charged over draft fees when I know when I made the purchase. I had the money in the bank. It seems like Wells Fargo waited to my phone 's got low and then put the charges through and that's happened several times. I would say at least 10 times in the last 2 years. And I was charged XXXX XXXX dollars if not more each time
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SANTANDER HOLDINGS USA, INC. (DE)

Santander Bank keeps sending me credit card solicitations. They dont make it easy to find a way to opt out on their website so I have emailed them 5 times over the last 3 months and I keep getting marketing solicitations from them.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CO)

I have been trying unsuccessfully for the better part of two weeks to get multiple deposits from hotels to be released back into my account after the hotels have already settled their transactions. I have contacted the company numerous times only to be told that I must wait 14 days even though the transaction is already settled or I can provide a receipt I provided multiple receipts and every receipt I provided they said something on it was wrong and refused to cancel the transaction. I have also waited the 14 days and every time I try to get the transaction canceled they either make up a new date saying that I must wait longer or outright ignore me I have provided them with multiple forms of evidence through screenshot and they ignore them and will not look at them. They are bullies what they are doing is criminal I have spoken to XXXX on the phone and through chat I have screenshots of all conversations through chat. Just today I tried to have {$50.00} returned to me that they have held for 14 days dated XX/XX/XXXX I have proof of this and even sent it to them. They ignored it and refused to acknowledge it. They currently have two separate {$50.00} deposits that have already settled in the transaction history one, the 14 days is up the second one the 14 days is up tomorrow. But it's not just about this it's about the fact that they are absolutely refusing to do the very things they say they are going to do and that their customer service outright ignores evidence that they themselves requested. I have attached in this complaint multiple instances of them outright ignoring evidence being rude dismissive and not responding.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to file a complaint about a medical collection for {$1400.00} from the collection agency XXXX XXXX XXXX. I believe that their collection practices are in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and I am seeking your assistance in resolving this matter. 

The collection agency has been disclosing my medical information to unauthorized third parties, including family members and neighbors, which is a clear violation of my privacy rights under HIPAA. They have also been harassing me with multiple calls a day, including on weekends and holidays, which has caused significant stress and anxiety. 

I am concerned that they may be in violation of HIPAA. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed a police report and ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2023-03-29
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: AMERICAN EXPRESS COMPANY (FL)

Amex scammed me on additional card member fees. When I signed up for additional card members I made it clear to the agent that the cards would only be useful to me if I could get the priority pass benefit by XX/XX/XXXX. The agent assured me that I could. By XX/XX/XXXX I was still unable to get the priority pass benefit promised to me. I canceled the additional cards. American Express still scammed with a {$170.00} for these cards I never used and never activated. This is a fraudulent charge from American Express themselves. They just completely lied about this benefit and when it would be available. They have since refused to refund this fraudulent {$170.00} charge.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX : {$17000.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Consumer complaint received 2023-03-16
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)

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 XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX 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 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 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is a formal complaint of inaccurate and incomplete credit information on my credit report.I am distressed that you included the following in my credit profile : -incorrect name -incorrect address -incorrect telephone -errors -unauthorized inquiries -Errors of hard inquiries
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Credit Collection Services XXXX XXXX XXXX XXXX, Ma, XXXX Subject : Dispute of Collection Account ( XXXX ) Dear CFPB, I am writing to dispute the validity of the collection account associated with ( XXXX ) on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in PA . If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have Identified information on my report that is a result of identity theft, these items are not related to any transactions completed by me. 

I have attached my FTC identity theft report, a copy of my state ID, and a statement identifying the transactions as a result of identity theft. 

I have already tried to get your company to correct this issue my previous file number is XXXX Agent XXXX advised me that they will not be operating in accordance with the law 15 U.S.C 1681 c-2 that states the information is to be blocked XXXX told me that there will need to be an INITIAL INVESTIGATION now that I have identified these transactions that are a result of identity theft and that it will be 30 days before the actual data furnisher will need to respond. This is not fair nor equitable it is downright disrespectful and a violation of my rights.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (GA)

Ally bank {$500.00} promotion is not fulfilled by the bank. 

This is chat with Ally bank rep, XX/XX/XXXX : Info : You are now connected to XXXX. 
XXXX, XX/XX/XXXX XXXX : Hello, this is XXXX from North Carolina with Ally Customer Care. Thank you for chatting with me today. How can I help you? 
XXXX, XX/XX/XXXX You : My q. is about the bonus I supposed to get in XX/XX/XXXX. 
XXXX, XX/XX/XXXX XXXX : I am bringing up your information now to get this looked into. 
XXXX, XX/XX/XXXX You : Thanks XXXX, XX/XX/XXXX XXXX : This is referring to the XXXX you put in account XXXX on XX/XX/XXXX correct? 
XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : Did you receive the enrollment e-mail and submit it online? 
XXXX, XX/XX/XXXX You : Let me check my email for that XXXX, XX/XX/XXXX XXXX : Absolutely take your time. 
XXXX, XX/XX/XXXX XXXX : " You're one step closer to getting your cash bonus ''. Is this what you are asking? 
XXXX, XX/XX/XXXX XXXX : Correct where it tells you that you have enrolled now you need to fund the account. 
XXXX, XX/XX/XXXX XXXX : There should be another e-mail letting you know you enrolled. 
XXXX, XX/XX/XXXX XXXX : " Good news : You're enrolled in the cash bonus ''. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Great I see the XXXX you added before XX/XX/XXXX and you kept it in there till XX/XX/XXXX. I am going to make a case to get this sent to bank operations. 
XXXX, XX/XX/XXXX XXXX : You did use the e-mail on file correct XXXX? 
XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : The XXXX you funded it with did you transfer that from an external bank or from another Ally account? 
XXXX, XX/XX/XXXX You : From external bank XXXX, XX/XX/XXXX XXXX : Thank you for this information I am making a specialty case now. Could you please verify the best way to reach you by phone and mailing address just in case we reach out to you? 
XXXX, XX/XX/XXXX You : XXXX XXXX, XX/XX/XXXX You : Mailing address should be on file. 
XXXX, XX/XX/XXXX XXXX : this should only take me a few minutes to get this submitted and then I will have a case number for you. 
You : Thanks XXXX, XX/XX/XXXX XXXX : XXXX is the case number. 
XXXX, XX/XX/XXXX XXXX : This can take 7-10 business days to research and you will be reached out to with further information. 
XXXX, XX/XX/XXXX You : Can you send me an email with this info, please? 
XXXX, XX/XX/XXXX XXXX : I apologize I am not able to e-mail you directly but this has been added to your profile so even if you lose the number someone could bring up the information from the file. 
XXXX, XX/XX/XXXX You : Okay, thanks very much. Good night. 

As you can see I have case number from XX/XX/XXXX, XXXX is the case number. 
Nobody ever contacted me from Ally bank. 

I've called Ally bank many times to complain. 
At one call ( XX/XX/XXXX ) rep elevated my case ( whatever this means ) and I have another case number : XXXX  XXXX. 
Again, nobody ever contacted me. 

So, please help me to get my {$500.00} bonus. 

Thanks.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX # XXXX, Collections : 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 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 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Consumer complaint received 2023-03-29
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. (CA)

Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent Experian a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice