davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (MA)

I'm a former Simple Bank account holder who put faith in this " seamless '' transition to BBVA on the premise that all my account numbers and cards would remain intact throughout this six month process. It's now been four days since I've been locked out of both old and new accounts with my debit card rendered useless while customer service continues to hang up on customers after keeping us on hold for hours. Whenever a service rep miraculously does answer, it becomes clear that BBVA hasn't even trained them on how to resolve the issues. Rumor also has it that BBVA has a cancellation fee for anyone hoping to take their banking elsewhere, despite their promise to " waive fees '' for Simple users the first 30 days. 

I'm currently working two jobs, seven days a week, and have no way of even purchasing gas for my commute since my partner also has a frozen account due to this transition. I have $ XXXX in student debt to pay off in addition to my monthy car, insurance, family phone, and credit bills that are soon going to bounce since I'm enrolled in auto pay linked to my previous account. It took me years to establish my good credit, and missing a payment could now jeopardize that as well as further complicate my current apartment search. NOT TO MENTION I'm due for a XXXX  XXXX  and XXXX  XXXX  extraction that I'm now unable to pay for, which adds physical pain into the mix of mental hardship. 

We are still in the middle of a global pandemic and I am a XXXX man who was just pulled over during a racially tense time in America. I'm too tired to be worrying whether or not I can access what little money I've worked hard to save, nevermid the additional stress that someone could be draining my account right now, and I wouldn't even know it since I can't check on my funds.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ACCORDANCE TO USC 1681a(2) I didnt give written consent 

ACCORDANCE TO USC 15 USC 1681(2)(a)(3)(ii) never received notice
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (TX)

I obtained a copy of my consumer report from this company that I NEVER gave them any authorization or approval to furnish this private information.i offer my testimony herein that I have not I have not authorized or given anyone access to my private and confidential records and certainly not the information youre reporting.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (NC)

In accordance with the Fair Credit Reporting act. AMSHER COLLECTION SERVICES violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy. 

15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 ***********. ( 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 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX XXXX several times to request written proof of this debt, but they have failed to comply with this request.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Hi, I am writing this complaint in regarding Caine & Weiner poor customer service. I spoke to a manager by the name of XXXX XXXX. I informed XXXX of the federal laws that protects consumers under FDCPA and FCRA. She was misinformed on the FCRA federal law 15 U.S. Code 1681b ( a ) In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I HAVE NEVER GIVEN WRITTEN PERMISSION TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT MY PRIVATE DEALINGS OR INFORMATION. THE SHARING OF MY PERSONAL INFORMATION WITHOUT CONSENT IS IDENTITY THEFT. I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER OR CAINE & WEINER. XXXX did state at the beginning of the call the debt miranda. I asked XXXX if her company has to abide to the FDCPA federal law. She refused to answer along with disconnecting the call. She violated 15 USC 1692e ( 2 ) by stating I owe any allege debt in the amount of {$300.00}. They are using false representation by stating they are working for progressive pursuant to 15 USC 1692e ( 10 ). XXXX XXXX said she believes I was reading from XXXX. I quoted her federal laws from FDCPA. Caine & Weiner should educate their team on federal consumer laws and this will prevent from further lawsuits.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX  XXXX charge off account OAG CHILD SU XXXX charge off account XXXXXXXX XXXXXXXX charge off account XXXX XXXX collection account XXXX  collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXXXXXX XXXX XXXX XXXX A XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXXXXXX charge off account XXXX XXXX XXXX XXXX off account XXXX XXXXXXXX  XXXX charge off account
Consumer complaint received 2023-07-25
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. (WI)

XXXXXXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently I was looking at my credit report and was sent into a deep XXXX when I saw negative accounts and inquiries being wrongly reported on my credit report. This XXXX is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.
Consumer complaint received 2023-03-06
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX XXXX : {$1400.00}
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc. (MO)

This may seem not important to most people and I understand if there's nothing you can do. I searched for a local journalist and it lead me to you. I am in need of help even a phone call would help. My problem is I bought a vehicle from XXXX XXXX XXXX Mo . I already had one issue that was resolved because they sold the car they promised me. Now around the beginning of XX/XX/XXXX my truck was put in the shop because it needed a new engine I was told 2 weeks max is what it would take. It is now XX/XX/XXXX and no information on my truck. I was out of work a little bit and I had to struggle to make a payment but I did and then today I went in to make a payment under the promise my truck was ready. I paid and then they told me they don't know were my truck is. I called them and told them my boss advanced me the money on my check to be able to get my truck and that was ALL the money I had. At home me my wife and XXXX daughters have no water no heat and I could of used that money to help my family. They Lied to me and now my family is suffering so they can profit. I went from XXXX to XXXX for nothing yo leave broke and no truck. that truck is my way to work yo make money and they know that.. the manager just said there's nothing they can do. didn't offer my money back nothing.. not even a replacement vehicle. I'm embarrassed and depressed that I lost everything I had to try and take care of my family.I worked all week in the negative temperatures outside at my job for that money and it was basically stolen and they don't care
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (AL)

I received a bill from Online information Services a debt collector for {$990.00} to XXXX XXXX. 
I called XXXX XXXX and they said it was an electric bill for an address in Texas. I live in Alabama and never even been to Texas. They said I would have to file with Federal Trade Commission and file a police report.
Consumer complaint received 2023-07-13
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: OneMain Finance Corporation (FL)

I was looking at my credit report recently and I noticed a lot of fraudulent credit inquiries on my credit report such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX One Main.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX  a customer of AMEX sent me pages 1,3, and 4 of my monthly statement ( XXXX in total ) with a note she had received my pages along with her monthly statement. I do not know this woman and I have the letter and envelope in my possession. The statement contained my personal information, account information, balance and other private information. On XXXX I called an filed a complaint with Amex # XXXX. I advised them what I had received from their other customer and asked them to explain what happened and where was the remaining pages were. I was told they would look into it and get back to me. On XX/XX/ I called again advised them I had not heard or received anything. I then was told that no further action was needed. It was resolved and closed XX/XX/ the day I filed the complaint as they found it was a " non-AMEX '' issue. I asked how this was possible. And they opened another complaint # XXXX. I was also given # XXXX as they were crediting my account {$100.00} for a billing inquiry. I advised I didn't want their {$100.00}. I wanted to know why my personal information was send to a woman in XXXX, NY when I live in XXXX, NY and where the remaindered of my bill went. I have never been given an explanation. I was never offered a new card. They just swept the entire thing under the carpet.
Consumer complaint received 2017-03-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (FL)

on XX/XX/XXXX I financed an XXXX from XXXX and XXXX. At that time of the purchase of the XXXX XXXX tells me that after a full year of paying on time I can trade in the XXXX and get into a newer car and lower my Monthly payments I was thinking great that 's exactly what I would like to do to fix my credit. So I did just that, at exactly a year on XX/XX/XXXX. I went back to XXXX so I can trade in the vehicle and get into a newer car and lower payment so I do just that I brought the vehicle, he inspected the vehicle and then tells me he would take my XXXX as a trade in and get me into a XXXX paying XXXX per month I was paying {$590.00} per month for the XXXX. I also notified the lien holder on XX/XX/XXXX that i was in the process of trading in the car and they mentioned that they were going to contact the dealership. I purchased the vehicle from XXXX and signed the contract for the XXXX and left the XXXX in XXXX Possession. Now a year late I pull my credit and the truck was never paid instead he claimed the Truck was inoperable. XXXX had his mechanic Contacted the lien Holder so that he can get the title and had the account charged off as bad debt on my name so that he can receive the title and resell the vehicle. The XXXX was in perfect condition when I dropped it off to him. He took it as trade in after inspecting the vehicle. I just found out that he has resold the vehicle to a XXXX who is the new registered owner. The lien holder does not want to help in this matter. The lien holder should go after the dealership and or after the new register owner of the vehicle. Also the XXXX he sold me was a previous rental from an out of state rental company ( owner ) and both cars where sold to me over the XXXX value. He never stated any of these circumstances with me nor failed to disclose any of the issues in the contract when I purchased the vehicles. Rental vehicle depreciate in value and it a XXXX to sell a previous rental vehicle at XXXX value. XXXX and XXXX Has been convicted of XXXX dealership fraud in XX/XX/XXXX not allowing him to even operate any business yet alone another dealership due to Fraud Judgement against them both. I would like to be reinburst what I have paid out and have the debt deleted from my credit report. I have attached the documents needed also.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (AZ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$10.00}
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (RI)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021 XXXX XX/XX/2021
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-01-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CIBC BANCORP USA INC. (WA)

I just got off the phone with social security and they said for me to let y'all know that the check was put in the account with the last number being five so I put on social security page XXXX BUT Mt  account number is XXXX. Social security have put a trace in the check and it's in your bank. The account number was off by 1 number. The check was for XXXX XX/XX/year> I gave the trace number is XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

I've been contacting Citizens Bank ( as well as XXXX ) to resolve issues pertaining to XXXX  Loan " co-signer '' release since XX/XX/XXXX. I received notice on XXXX XX/XX/XXXX ( see attached ) from XXXX stating that " Citizens-Bank owned loans as cosigner was removed effective XXXXbecause Citizens Bank approved your ( my ) request for Total and Permanent XXXX. '' As of XXXX XX/XX/XXXX, all three credit bureaus have listed accounts as past due ( XXXX ) which GREATLY impacting my credit score ( s ). I need help with getting this action resolved per their notification I received and that my credit score be corrected. Thanks for all you do.