davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stenger & Stenger, P.C (OH)

XX/XX/XXXX is the statements date The fraud happen on XXXX XXXX XX/XX/XXXX the amount is XXXX I have contacting all companies involving I have filed police report. The last time I used the credit card was XX/XX/XXXX Someone fraud it through some type of online fraud.. I was part of identity theft.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION (CA)

On XX/XX/2024 I engaged with a woman who was selling an expensive piece of used XXXX XXXX on a XXXX site. Wary of scams, I had a phone call with this woman, XXXX XXXX XXXX ( XXXX and XXXX ) and asked for and received additional information from her including video, pictures of the equipment and warranty information. We had trouble with XXXX ( see photos attached ) and I paid {$3000.00} through XXXX to XXXX XXXX ( XXXX ). The woman acknowledged receiving the funds than ghosted me. I never received the equipment. I contacted my bank, California Bank and Trust and opened a fraud claim with XXXX. The first response from XXXX was inconclusive. I then contacted their fraud department weeks ago and have heard nothing. I also filed a report with the FBI. 

Another XXXX member contacted me and told me this same person stole money from them as well ( see attached ). 

Please see attached files of some of our correspondence, including accounts this person uses. I also called and left message on her voicemail and emailed her to no avail.
Consumer complaint received 2024-04-16
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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 2024-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against [ Midland Credit Management ] To Whom It May Concern, I am writing to file a formal complaint against [ Midland Credit Management ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ Midland Credit Management ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ Midland Credit Management ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ Midland Credit Management ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ Midland Credit Management ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ Midland Credit Management ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ Midland Credit Management ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ Midland Credit Management ] 's actions and take appropriate enforcement action. I request that [ Midland Credit Management ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 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 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 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had a a travel credit card with Bank of America for several years. Out of nowhere Bank of America closed my credit card account without notice and without reason. I had a XXXX dollar balance, the card was NOT expired, and was not late on any payments, and I had accumulated a considerable amount of reward points from my purchases. Bank of America not only closed the account for absolutely no reason, but they refused to issue me the rewards points that I rightfully accumulated during throughout the duration of the time I used the card. I will also note that I called and asked why the account was closed and received no answers and also asked if the credit card could be re-opened and they said no! I have a maintained a great credit score, I paid the card on time consistently and I am having difficulty figuring out why this occurred. They were able to profit off of me using the credit card for years, and seemingly once they could no longer make a profit off of me and the account they closed it any valid reason. I wanted to keep the card open and continue to use it, but unbeknownst to me they completely closed the account.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OR)

Been trying to access my information since XX/XX/XXXX. Several attempts to get consumer disclosure report from this DATA HARVESTING company, always get letter, no report. 
Call made today XX/XX/XXXX to inquire about this report. 
They are providing unverified data which has seriously affected me as a consumer. Raised my insurance rates and resulted in canceled insurance policies. 
Several inaccuracies being reported by this data harvesting company that do not belong to me, names, addresses, phone numbers, claims that do not belong to me and claims that have other people 's names associated to them. 
Submitted disputes with phone personnel today. No case number was supplied to me on the phone.
Consumer complaint received 2023-07-12
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. (CT)

I am writing to inform you that I have recently discovered unauthorized accounts listed on my credit report that are associated with your agency. After conducting a thorough review of my credit history, I have reason to believe that my personal information has been compromised, resulting in fraudulent activity. As such, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, as a consumer, I have the right to request verification of any alleged debts associated with my name. Section 609 ( a ) ( 1 ) of the FCRA states that " A consumer reporting agency shall, in response to a request by a consumer, provide to the consumer any information in the consumer 's file at the time of the request. '' Therefore, I hereby request that you provide me with detailed documentation and verification of each account, as outlined below : 1. The original creditor 's name and contact information.

2. The date the alleged debt was incurred.

3. The nature and purpose of the debt.

4. Complete payment history and transaction details.

5. Any agreements or contracts bearing my signature.

Failure to comply with the verification request within 30 days, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA, will result in a violation of federal law. In case of non-compliance, I will pursue all available remedies under the FCRA, including but not limited to reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action.

Furthermore, I request that you immediately cease all collection activities related to the disputed accounts until the verification process is completed. Section 809 ( b ) of the FDCPA states that " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt. '' Additionally, I am invoking my rights under Section 605B of the FCRA, which states that if a consumer submits an identity theft report to a consumer reporting agency and provides a copy to a debt collector, the debt collector must block the reporting of any information relating to the identity theft. I have attached a copy of the identity theft report for your reference.

I expect a prompt response within 30 days of your receipt of this letter. Please provide all requested documentation and information to me at the address listed above. Failure to comply with these requests will be considered a violation of the FCRA, and appropriate action will be taken. 

Thank you for your immediate attention to this matter. Please ensure that all communication is in writing and sent via certified mail to maintain a clear record of our correspondence. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

The company is coinbase, I have the account, many years, I just cell and buy coin, they lock my account, I only access, cant use sell, add, buy money, only can see, my account money almost became XXXX. I call them many times, they just give me case number, half one year, still lock my money
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

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 Consumer. 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 financial institution and the Consumer 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 and 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 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I open the checking account ( XXXX XXXX  ) and deposit my check from work two times a month. I only wrote less than two checks and only few transactions per month. There was nothing unusual activities. I opene tbe investment account because they solicit to open one. I did and then they locked the account without any reason for locking the online login. They do not have branch office and I can not access to the fund and this cause me to borrow money from XXXX member to make a auto loan credit card and mortgage payment. They fraudulently took my money without any explanation. They requested me to send id and social I sent it but they still locked account and i do not have the access to my checking.
Consumer complaint received 2024-04-16
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. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My name is XXXX XXXX XXXX XXXX and I have enclosed pertinent documents supporting my case and appreciate your careful consideration of the circumstances outlined herein. 

In XXXX of XXXX, I encountered a significant issue with my XXXX XXXX XXXX, specifically a dragging noise that escalated into a loud knocking noise. Subsequent inspections revealed internal engine knocking, and an estimate for the necessary repairs exceeded {$5000.00}, as detailed in the attached repair order. 

Regrettably, due to financial constraints, I found myself unable to afford the required engine replacement. Consequently, I faced the challenging decision of voluntarily surrendering my car and obtaining an alternative vehicle. This decision, as evidenced by the attached rental car receipt and the associated costs during this period, imposed an unforeseen financial burden on me. 

In light of these circumstances, I contacted Capital One Auto Finance seeking assistance, as reflected in the attached email correspondence. However, their response indicated an obligation to pay the remaining balance of {$13000.00}, which has proven unfeasible for me given the circumstances surrounding the engine failure. 

I am writing to request your professional assistance in conveying the impact of the engine failure on my ability to fulfill the remaining balance to Capital One Auto Finance. The recent XXXX XXXX XXXX XXXX, aimed at compensating those affected by engine failures, offers a potential resolution to this matter. 

Enclosed, you will find pertinent documents, including the repair order details, rental car receipt, XXXX membership cost, and the communication with Capital One Auto Finance. These documents aim to provide a comprehensive overview of the financial and emotional strain I endured due to the engine failure in my XXXX XXXX. 

Considering the ongoing lawsuit addressing damages caused by the engine failure, I respectfully request your support in advocating for a fair resolution that takes into account the circumstances leading to the surrender of my vehicle. I believe it is neither just nor feasible for me to bear the full burden of the remaining balance under these conditions. 

Thank you for your attention to this matter. I trust that, through arbitration, a fair and equitable resolution can be reached, providing closure to this challenging chapter.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (OK)

The balance is incorrect with this account. The phone number is out of date and the account is a fraudulent account that has incorrect information that needs to be removed from my credit report. Please delete completely phone number is incorrect and apartment number is wrong. Balance isn't XXXX XXXX