davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off on the following date : ( XXXX, 2022 ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

TRANS UNION REFUSES TO PROVIDE ME WITH A COPY THE LETTER XXXX XXXX XXXX XXXX XXXX SENT THEM CORRECTING MY CREDIT RATING.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK PUERTO RICO (GA)

I summited one payment transaction online on the XX/XX/18 with XXXX XXXX in Georgia ( Routing number XXXX ) the amount XXXX and it was withdrawn twice and only one transaction was authorized by me to be deducted only once by the FirstBank of Puerto Rico ( Routing number XXXX ). First Bank of Puerto Rico are the ones declining to make the refund and every time I call them they give me a new set of excuses. If I request to speak with a manager they refuse to do so.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC (UT)

GoodLeap is the underwriter for my solar loan. 
XXXX was installed by XXXX. XXXX stated in guarantees that GoodLeap would make sure system was working properly, etc, through the duration of the loan. XXXX then went bankrupt, yet continues to do business with GoodLeap under the new company structure. 
Solar system failed, and I've done everything to get it operational properly again. 
Once I discovered the failure, I contacted GoodLeap to tell them of the issues and they said they'd suspend payments until it was fixed, that they'd let collections know as well. 
Despite several documented requests that they stop contacting me, GoodLeap collections continues to call me several times daily requesting payment. They also raised my interest rate, though there was nothing about my rate ever being raised in the initial disclosures I signed. They have acknowledged that they need to do things on their end to make this right, but despite several return calls and voicemails, their relationship XXXX has not called back nor made any attempts to resolve this in any way. 
GoodLeap collections called me today, XX/XX/23 at XXXX MST, and even though I started off telling her that they're to cease harassment until this is resolved, she threatened to make negative remarks on my credit report if I didn't make payment arrangements right away. I reiterated to her not to contact me again until they have a proper resolution and then promptly terminated the phone call. 
GoodLeap has a history of complaints from the XXXX  as well as the XXXX XXXX XXXX 
I believe they've violated the Fair Debt Collections Practices Act in several ways with many consumers. This needs to stop
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PR)

Exactly the same issue as reported in a CFPB complaint # XXXX in XX/XX/XXXX ( see the attach ). Chase Bank delete all the unauthorized inquiries at that moment to my credit file. And now access to my XXXX file on : XX/XX/XXXX / XX/XX/XXXX / and XX/XX/XXXX.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PR)

Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX had called me and my husband to collect a debt from a XXXX Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue me.
Consumer complaint received 2024-05-31
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. (GA)

I looked at my credit report and I saw unauthorized inquires from the month of XX/XX/year>, that need to be removed, I did not authorize any of the inquires from the month of XX/XX/year> and according to the FCRA, these unverified and unattended inquires must be removed.
Consumer complaint received 2024-05-04
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. (NC)

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXXXXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX Account name : XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if they are still on my report, 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 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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2023-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

There were a string of fraudulent charges on my credit card. This lasted a couple of days since the bank and credit card fraud detection did not notice. I notified the bank, and an investigation was started. The investigation was closed, and my request denied since the person who stole my credit card signed the receipts. I notified customer service of this, and was told that filing a complaint with CFPB was my only recourse.
Consumer complaint received 2024-05-04
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. (IL)

Hey these is my third time disputing inaccurate information and these company have violated my rights. Accordingly to 15 us code 1681 and 15 us code 1681b and 15 us code 1681 c-2, 15 is code 1681 s-2, these laws are violated and I want this law put in place. Please remove these accounts. The data is wrong on these accounts, XXXX XXXX and XXXX XXXX service.
Consumer complaint received 2024-05-05
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

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

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 or any other adverse item of information, other than records of convictions of crime that antedate 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 2024-05-04
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. (AZ)

These inquiries were unauthorized and I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On or about XX/XX/XXXX, I discovered that {$5000.00} was transferred out of my checking account without my authorization. I also discovered that additional funds had been transferred out of the savings account I hold jointly with my daughter. The money went to accounts ending in XXXX, XXXX, XXXX, and XXXX. I did not open these accounts and have no knowledge of them. 
Here is a listing of the unauthorized transactions : 1. {$5000.00} was transferred out to XXXX from XXXX checking XXXX on XX/XX/XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, multiple unauthorized transactions in and out occurred in the XXXX savings account ending in XXXX. They are as follows : a. {$5000.00} transferred out to XXXX on XX/XX/XXXX b. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX c. {$5000.00} transferred out to XXXX on XX/XX/XXXX d. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX e. {$5000.00} transferred out to XXXX on XX/XX/XXXX f. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX g. {$5000.00} transferred out to XXXX on XX/XX/XXXX XXXX. As a result of unauthorized activity, account XXXX had the following debits for funds transfer returns and returned item fees : a. {$5000.00} funds transfer return on XX/XX/XXXX b. {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX I disputed the transactions during numerous phone calls with USAA representatives between XX/XX/XXXX and XX/XX/XXXX. Some of the representatives were XXXX, XXXX, XXXX ( XXXX ), XXXX, and XXXX. I was told : Some of the transactions originated from locations in XXXX and XXXX XXXX. I have not been to XXXX XXXX since the summer of XXXX when I drove through it on the way to XXXX. I have never been to XXXX. I can submit data from my cell phone to confirm this. 
A checking account was opened XX/XX/XXXX, using a device under my account. I told the representative that I did not open this or any other additional checking accounts. They would not tell me anything about the accounts or the device used. A forensic expert is welcome to examine all my devices to confirm that I did not use any of them to create the additional accounts. 
I did not authorize these transactions. I did not authorize anyone else to make these transactions. I did not benefit from these transactions. I do not know who made these transactions.
Consumer complaint received 2023-09-18
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)

Dating back to XX/XX/2023 I submitted a dispute through the creditor Experian and the Consumer Financial Protection Bureau, at that time i was disputing the improper use of my credit report based upon 15 usc 1681 Permissible Purpose. Ive shown how they have improperly used my report, reporting erroneous negative information causing my credibility to be questioned and at times denied. Can you please advise them to do whats right and remove these errors as I will seek Litigations if not removed promptly. I have sent NUMEROUS request to have this done and now it has reached an advanced stage past the recommended allocated time.
Consumer complaint received 2018-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PR)

I submitted complaint number XXXX on XX/XX/2018.  This complaint was answered by Navient and I did not received what I requested. I am requesting a letter of cancelation / payment. I made full payment of the loan and this abusive company still have not provided confirmation that I paid in full the loan. This situation is not acceptable, neither the ridiculous respond they provided, which is basically to call them. I called to a phone provided in Navient latest respond, the number XXXX requested a PIN I don't have. I need to get my letter of cancelation that I had been requested for more than 2 months now after submitting full payment on XX/XX/2018. Who is in charge here, the lawyers of this abusive company or the government, that seems to be not doing anything to put this abusive companies in line.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (MO)

I'm leaving this link to give you the current best information available about the situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have an online checking account through XXXX  XXXX  Juno and it's banking partner XXXX XXXXe XXXX has frozen all user accounts tied to the brokerage firm ( XXXX  ), leaving me without access to my only checking account with ~ {$1600.00} and only way to pay bills ( in fact, my first car payment on my new car loan was reversed ). Fortunately, I was able to open a new account at XXXX quickly enough to change my direct deposit before my next pay day. Many others were not so lucky. 

Juno advertises that funds held at XXXX are covered up to {$250000.00} through FDIC. Some months ago, they informed us that XXXX may begin also spreading our money through several money market accounts (? ), which would be covered through XXXX up to {$500000.00}, allowing us to opt out by emailing XXXX  Directly. 

This leads us to believe that our funds are safe. What they don't tell you is that those regulators can only step in if the banks holding the money go under, per the Federal Reserve 's statement in court quoted in the above article. Just as the XXXX entities I've trusted with my money are pointing fingers at each other attempting to assign blame with no real progress on getting me access to my funds, regulators are also pointing their fingers at other regulators saying, " it's not our problem, try them. '' I am no fan of regulation. But I do believe in transparency laws and consumer protection. Apparently, even with all the protections I've been afforded through numerous banking acts, if XXXX goes under ( which, it will ), there is no entity to provide me recourse to ensure that I can receive my money held in highly regulated banks. FDIC and XXXX be damned. 

I'm at a loss.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-09
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. (MN)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX different names as XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also they havein different collections agencies XXXX that l don't owe request same exact money info the original documents printed l summit information l don't owe these companies has effect my credit scores l have l provide driver license Experian XXXX XXXX .. On the XXXX XXXX XXXX XXXX has ( XXXX XXXX XXXX XXXX ) isn't no name shown on the ordinal bill documents XXXX to other collections now to companies called XXXX XXXX