davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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. (MO)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 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 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. 


List : XXXX XXXX  XXXX, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which violates 15 USC 1681b. Credit Reporting XXXX have caused severe stress and anxiety due to their abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditor who posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed these 3 Accounts XXXX  XXXX & XXXX XXXX XXXX I disputed the accounts challenging its accuracy and completeness. The letter I sent to TransUnion, XXXX and XXXX are dated XXXX XXXX, XX/XX/2023 and XXXX XXXX. These three accounts are still being reported inaccurately by reporting three different Dates of Last Activity, three Different Last Payment dates and reporting Missing/Incomplete information such as NO Closed Dates that are being reported on CLOSED accounts. I have given the consumer reporting agencies chance after chance to correct the errors and update my credit report in which they continuously failed to do so. They continue to violate my rights under the FCRA by reporting false, inaccurate, erronoeus and misleading information even after I told them and presented to them facts of my concerns that I needed to be addressed. I have attached my previous dispute letters in an attempt to correct my credit report so I can finally be approved for a new house so my family and I can obtain a little more peace in our lives. Specifically my right under FCRA XXXXection 623 ( a ) ( 3 ) has been violated which says that If I dispute any information I believe is not accurate, then I have the right to do so and the Credit Reporting Agencies must not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. In this case TransUnion, XXXX, and XXXX failed repeatedly to enter the notice that I disputed the accounts XXXX XXXXXXXX & XXXX XXXX and purposely decides to report fraudulent information on my credit report.
Consumer complaint received 2024-09-06
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. (TX)

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called XXXX XXXX XXXX, officially registered as a debt-buyer with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and bonded within the state of Texas. I have attached copies of the three credit posts that show as a debt buyer for a debt that never belonged to me, and under the Fair and Accurate Credit Transaction Act ( FACTA ). As a federally bonded agent in debt collections, XXXX XXXX XXXX did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that XXXX XXXX XXXX remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas and the compliance office of the XXXX. 

( XXXX ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not, and must be deleted permanently from each credit bureau, XXXX, Equifax, and XXXX XXXX respectfully. 

XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

This complaint trails on a previous complaint, recorded with cfpb as complaint number XXXX. But it is not a duplicate. In my previous complaint, I complained that my credit report was not updated in real time and a dispute resulted in a " verification '' that it was accurate. As I understand the furnisher 's policies, they update reporting once each month. A review of my credit report history with XXXX confirms this representation and I have been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Moreover, in the response to complaint XXXX, the furnisher explained in detail that " We identified that we previously received the same dispute request from you directly on XX/XX/XXXX and from a consumer reporting agency on your behalf on XX/XX/XXXX. At that time, we investigated your dispute and mailed you the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' Notwithstanding the aforementioned, my XXXX report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. According to XXXX, they are waiting on information from the furnisher. Because a balance is being reported by the furnisher, my credit utilization is calculating incorrectly for credit scoring purposes.
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (NY)

I do not know these hard inquires so please remove these from my credit report. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC (FL)

I am writing to formally lodge a complaint against BMW for the unlawful repossession of my vehicle, which has caused me significant distress and inconvenience. The details of the incident are as follows : On XX/XX/year>, BMW repossessed my vehicle without providing any prior notice or informing me of their intentions. According to the law, I am entitled to receive a certified notice before such an action is taken. Despite my repeated requests, BMW has failed to provide a certified copy or receipt showing that they notified me as required. Instead of addressing my concerns, BMW 's representatives rudely hung up on me, further aggravating the situation. 
Prior to the repossession, I made several attempts to contact BMW to inform them that my payment might be late due to a family emergency. Unfortunately, I was unable to reach them, as my calls went unanswered. 
The repossession was carried out in a highly unprofessional manner. BMWs tow truck driver came to my workplace, causing a significant disruption and creating a hostile environment. The driver not only used offensive language towards me but also directed rude remarks at my colleagues. His aggressive behavior was alarming and unacceptable. In which is a violation in the state of Florida UCC section 679.609 - 679.610 which is a Breach of peace.

I have had the vehicle for 3 plus years and I have a history of making timely payments and communicated any issues promptly. Despite this, BMW has refused to return my vehicle until the full amount owed is paid. This demand is unreasonable and a violation of my consumer rights as federal protected consumer & BMW is not considering my consistent payment history. 
The actions taken by BMW have clearly violated my rights as a consumer. I am requesting the CFPB 's intervention to address this serious matter. I seek the following resolutions : Immediate return of my repossessed vehicle. 
A formal apology from BMW for their unprofessional conduct and failure to notify me as required by law. 
Compensation for the distress and inconvenience caused by this incident. 
Assurance that such actions will not be taken in the future without proper notice. 
I trust that the CFPB will take swift action to rectify this situation and ensure that BMW complies with all legal requirements and respects the rights of consumers. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

My husband ( XXXX XXXX XXXX and my oldest daughter ( XXXX XXXX ) ( XXXX ) have been affected by this company 's inaccuracies ( XXXX XXXX XXXX ). We ( XXXX, XXXX and XXXX XXXX ) never signed a lease with XXXX  who inaccurately hired this ( National Credit Systems ) collections company to harass us about a unpaid balance from a lease we NEVER signed with XXXX  or NATIONAL CREDIT SYSTEMS. Plus my daughter was only an occupant under a signed lease under XXXX XXXX XXXX XXXX XXXX XXXX she NEVER signed anything as a tenant yet they fraudulently included her in their erroneous collection. She has now been denied housing and is on her rental history? XXXXXXXX XXXX XXXX  apparently bought the complex in XXXX of 2021 or at least that's what we were told ; as we not PROPERLY notified of their transaction. As you will see attached there are XXXX leases we signed in 2021 due to severe mold where we were forced to move to a different building/same complex in XX/XX/2021. Both were under XXXX XXXX XXXX XXXX not XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please attach documents, let me know if there are questions or other items needed to support our claim. We have been negatively affected by this company since 2021. We contacted the company ( collection agency ) several times to seek removal in 2021, called and disputed via credit bureaus, paid for a credit repair company XXXX XXXX XXXX XXXX ) &, hired a lawyers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) all to no avail. This needs to be removed from our credit Personal profiles and updated immediately. 
Thanks in advance, XXXX XXXX
Consumer complaint received 2024-06-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (CA)

I called at XXXX on XX/XX/XXXX to see if there was any update regarding the security appeal form I sent, after speaking with the representative named XXXX from the savings account customer service department he informed me that there was no update on the appeal and no additional information can be provided by NFCU due to me providing the same information over the phone and therefore they can not, again I repeat they said that my funds CAN NOT be released due to not enough relevant information provided, so then I proceeded to ask if there was any particular documentation that they need so I can happily provide that to them, but due to privacy and security concerns they are unable to help me further, I asked if there was any way they can pull the call reguarding this information and he said all calls are recorded so yes they can, I asked his name and said name was XXXX he couldnt provide me with a badge or employee number so. Just notated his account. 

If there are any discrepancies with NFCU Id definitely ask them to pull the call from today which was on XXXX on XX/XX/XXXX. 

Thank you for your time and consideration.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2024-08-14
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (MS)

NRA Group , LLC of Nevada aka National Recovery Agency contacted me by way of text message on XX/XX/year> at XXXX on my cellphone without my expressed permission in violation of federal law. I notified them to stop using their system of notification. NRA Group confirmed receipt of my notification to stop on XX/XX/year> at XXXX and notified it would not contact me again. The company 's system did not unsubscribe my number in accordance with federal law. NRA Group , LLC contacted me by text again on XX/XX/year> at XXXX hours after being notified in writing not to. I again notified NRA Group , LLC in writing to stop on XX/XX/year> at XXXX hours, which NRA Group , LLC confirmed receipt of at XXXX hours. NRA Group contacted me again by cell phone text on Thursday XX/XX/year> at XXXX hours, and I notified to them in writing to stop at XXXX hours on XX/XX/year> and received confirmation receipt of the same from NRA Group at XXXX hours. NRA Group again contacted me by cell phone text on XX/XX/year> at XXXX and I texted them to stop at XXXX hours. They confirmed receipt of the same at XXXX on the same day. NRA Group , LLC again contacted me by cell phone on Wednesday XX/XX/year> at XXXX hours after having been notice to stop all contact. All events occurred in violation of federal law and in the State of Mississippi with the exception of XX/XX/year> which happened in Louisiana.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MD)

n 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 any purpose.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

I still have a credit card with wells fargo but they have not been reporting as they should since last year and I am missing a ton of on time payments which would in turn decrease my overall usage and give me a higher credit score.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (NY)

On XX/XX/XXXX I noticed some illegal activities on my account ( some kind of money transfer via Western Union ) I called Brinks/Netspend right away, I called Western Union and I filed a police report. The next day the bank froze my account ( after I had already used it again ) and said they were opening a new security account. The card did not come on the days expected. I had set aside the day waiting for XXXX, no card. When I finally did get the card I only got to use it a few times then they froze my account again, for absolutely no reason, and suddenly the id I used to verify me for the account was no longer accepted. Without being able to access my funds I had to ask around to borrow the money for a new ID. I had to wait days and finally was able to get a sheriffs ID, from the sheriffs office. My phone lost the verify me link due to slow data and I called to get another link. They said they would not do that and to send ID via email and it would take XXXX to XXXX business hours to process. Without being able to acess my funds I had to walk miles to get back home. When they finally did review the email they rejected my ID for no reason even though it was an official picture ID. They are harrassing me intentionally, they were aware it was all the money I had and I needed to buy food. They have kept me on the phone for at least XXXX hours this week, hung up on me, kept me in a loop. I am traumatized from the experience. Now I have gotten an email today that states they will up escalate the issue and I will get somekind of answer in XXXX days. Thats another XXXX days I will have no food to eat, they are still putting me through this and seem to have stolen my social security money. Its as unethical and low as it comes. I was a victim of a crime that occurred due to their inadequate security and now they are making any excuse not to relinquish my meager funds. 
Since this has happened I have found other people whose money was stolen by Netspend/Brinks XXXX in my small town alone. I think their practices need to be investigated for illegality anf fraud. 
Thank you
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am making this complaint because Capital One is refusing to provide me with information about unauthorized withdrawals from my checking account amounting to {$800.00}. 

On XX/XX/XXXX, two unauthorized transactions occurred at an ATM at a XXXX in XXXX. In each unauthorized transaction, {$400.00} was withdrawn from my checking acount, totalling {$800.00} in withdrawals. 

Shortly after discovering the unauthorized transactions, I informed Capital One. On XX/XX/XXXX, the company said that it had begun an investigation of my claim, which was assigned the number XXXX. The company provisionally refunded the {$800.00}, and later decided the claim in my favor on XX/XX/XXXX. 

However, Capital One has refused my repeated attempts to obtain information about how the unauthorized transactions occurred and what actions the company is taking to prevent future such thefts. 

On XX/XX/XXXX, the company responded to my first request for information about the incident by saying " this is not something we are able to provide for approved claims. '' In a subsequent phone conversation, a Capital One representative submitted on my behalf a second request for information. But on XX/XX/XXXX, the company once again denied my request using identical language, with no additional explanation. 

Capital One 's opacity in this regard suggests the company is attempting to conceal its inability to adequately address security vulnerabilities that are leaving consumers open to thefts like the one I experienced.