davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' 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. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Consumer complaint received 2023-06-22
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX-XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-06-08
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. (IN)

In accordance with the Fair Credit Reporting act, Account : XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am expressing my serious concerns regarding the unauthorized access to my personal information and the reporting of information to credit bureaus by your Portfolio Recovery and XXXX XXXX XXXX. After a thorough examination, I am not aware of any contractual relationship or agreement that would authorize these agencies to handle my personal information or report any details about my financial obligations. 

I understand these companies may be engaged in debt collection activities ; however, it is imperative to emphasize that the absence of a contractual relationship between me and you raises questions about the legality and validity of their actions. As a consumer, I have not entered into any agreement or contract with either agency that permits the collection of my data or authorizes the reporting of such information to credit reporting agencies.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting, and any information reported must be substantiated and legally permissible. I am concerned that the reported information may be I kindly request that they provide written documentation establishing the legal basis for their collection efforts, which they failed to produce, and the reporting of information to credit bureaus concerning my account. 
Additionally, please provide any relevant contracts or agreements that authorize your agency to handle my personal information and report on my credit. accurate, incomplete, or reported without proper authorization. 
Until such time that proper authorization and documentation are provided, I insist that they cease all collection activities related to my account and remove any reported information from my credit report. 
Failure to provide the requested documentation within [ reasonable timeframe, 15 days ] will compel me to escalate this matter to the appropriate regulatory authorities and pursue legal remedies available to me under applicable laws.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (IN)

XXXX is reporting two late payments. I have never been late. I have disputed this with XXXX and they have done nothing!!! not been able to resolve it. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! 


Also I requested debt validation letters from XXXX XXXX XXXX and credit services. They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with XXXX and all they do is say its validated however they dont provide the documentation that I have requested.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

I've have written to XXXX, Equifax, and XXXX by certified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # 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 USC 1681 section 602 A 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/any account without my written instructions.

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

PROCOLLECT is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with PROCOLLECT or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TN)

I requested a balance transfer XX/XX/2023 in the amount of {$2500.00} from Discover for card ending in XXXX to XXXX  XXXX for card ending in XXXX The balance transfer posted to XXXX  XXXX on XX/XX/2023 XXXX  XXXX sent me a letter dated XX/XX/2023 stating the amount was debit back to my account. 

I called XXXX XXXX asking why this was done and who initiated this requested. I was informed that it was requested by Discover stating fraud. 

I called Discover asking why this was done they sited a fraud report was initiated and I told them no transaction on my account was fradulent only the muti-factor authentication information ( e-mail address and phone number that was visible during attemp to authenticate ) was wrong and to please send the balance transfer back to XXXX XXXX. 

They told me I needed to get the address, check number and date the check cleared the bank before they could do a temporary credit and initiate a dispute while doing and investigation. 

I was able to get the information from XXXX XXXX on XX/XX/XXXX and called Discover to provide them with the information and I was told by the representative that they saw a {$2500.00} pending credit and to give it 5 days to reflect on the account. I called today because the {$2500.00} has yet to post to either XXXX XXXX or Discover only to be told now that they need the Routing and Account Number to which this check was posted!!! I was not told this initially and I am tired of being on the phone with these banks with what should be a simple fix. I am at my wits end... I have been on the phone with both banks for multiple phone calls, for many hours only to get transferred multiple times during each phone call thus having to repeat the issue. 

I believe what happened is since a new Discover card was issued to me, they are having a problem finding where to post the {$2500.00} ( a new card was issued to prevent there from being any potential fraud with card ending in XXXX ) ; the new card I was issued ends in XXXX. 

I honestly do not want to speak to either bank ever again in my lifetime. 
There is so much more that has transpired with this issue that should be documented with each bank but I only provided the facts related to the complaint. 

I am attaching the following support documentation for complaint. 

XXXX. Discover balance transfer transaction XXXX. XXXX  XXXX letter stating the amount was debit XXXX. Address, check number and date check cleared the bank provided by XXXX XXXX Thank you for the resolution you can provide regarding this issue.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NM)

Annual account disclosure statement dated XX/XX/year>. It provided account history and changed ( increased ) the escrow payment amount effective XX/XX/year>. 

Another Annual account disclosure statement dated XX/XX/year>, indicated a surplus and provide a check for the excess. No explanation. No information to customer. 

XX/XX/year> I sent them letter asking to understand. Asked " It seems you have decided not to pay my property taxes later in the year. Please explain why you are not going to pay the property taxes? '' XX/XX/year> I received notice from County my taxes were not paid. Demanded payment and charged a late fee. DUE TO Shellpoint Mortgage aka New Rez Llc failure to communicate with their customer, I INCURRED A LATE FEE! 

XX/XX/year> I received a notice from mortgage holder demanding I provide proof the property taxes were paid. 

XX/XX/year> The Mortgage holder has failed to respond to my letter asking for information and failed to communicate why they are not paying the property taxes through the escrow as they have for over XXXX years.
Consumer complaint received 2023-06-07
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. (IN)

All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include ANY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. You are violating my right to have an accurate reporting. Kindly remove the following : XXXX account XXXX XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (CA)

On XX/XX/year> I received a letter from my bank notifying me that a check was made into my account for XXXX I knew I didn't have this much money nor was I expecting such funds so I immediately contacted my pnc bank who told me someone would call me in a day or 2. Since no one calls me by morning of Monday XXXX I call and after being transferred to several departments and placed on hold for quite some time I am informed that due to the check I now have a closed account at pnc and there is nothing I can do. No one seemed to know the reason or why I was not contacted to resolve this issue. I have my irs tax refund coming into this checking account and now have to make ammendments with the irs which will take months to fix. I understand I don't have lots of money but I have always kept a good balance at pnc paying overdraft fees etc and I feel they have wronged by closing my account. They have left me with no remedy and did so with no remorse. Today XXXX a woman called me just to confirm everything that happened but had no solution to my problem that check is coming and will now be returned. Beware pnc users.