davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Under the Fair Credit Reporting Act ( FCRA ) sections 602 ( a ), 6801, and 1681, consumer reporting agencies like XXXX and XXXX must handle their duties fairly, impartially, and respect consumer privacy. As a consumer, I have the right to prevent sharing of my private data without consent, as stated in 15 USC 6801. 15 USC 1681 section 604 ( a ) ( 2 ) mandates that consumer reports can only be furnished with the consumer 's written instructions.

Financial institutions, considered furnishers of information to credit agencies, must respect customer privacy as per 15 USC 6802 ( b ) ( c ). The FCRA prohibits disclosure of nonpublic personal information without informing consumers of their nondisclosure options ( 15 USC 6802 ( b ) ( c ) ). XXXX and XXXX failed to inform me of this right.

According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies can not include adverse information without authorization, violating the seven-year reporting limit. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information, and 15 U.S. Code 1681e mandates reasonable procedures to avoid FCRA violations, which XXXX and XXXX are not following. 

As outlined in 12 CFR 1016.7, I retain the right to opt out of these reporting services at any time, which I am exercising now
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (KY)

It has come to my attention that DISCOVER FINANCIAL SERVICES has been sharing my information with non affiliate 3rd party. Pursuant to 15 U.S. Code 6802 and the Privacy Act of 1974, they should not be sharing my information with 3rd party non-affiliates without the required disclosures. I'm coming to the CFPB because under 15 U.S. Code 6805. I am using my right to opt out 16 cfr 313 Privacy of Consumer Financial Information.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (IN)

Pnc tech support in California in my account diverting my money to there accounts since I got the bank account in XXXXXXXX XXXX XXXX editing my transactions so no be no trace where my money went to changing me for multiple times I told the pnc for months even the president of PNC this is happening to others customers also
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP (FL)

In accordance with the fair credit reporting act this creditor, US Bank Home Mortgage, has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. As of XX/XX/2023 they have 13 late payments for my home mortgage reported against me, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-12-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt on the month of XX/XX/2023. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically, the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Texas ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regard
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried calling Transunion, XXXX, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Consumer complaint received 2023-12-25
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. (CA)

I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed Inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. A copy of all company names have been send on a attachment.
Consumer complaint received 2023-12-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: VEROS CREDIT, LLC. (CA)

XXXX of 2023, my younger brother XXXX XXXX XXXX ( XXXX ) leased out a car with XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, CA XXXX United States ) XXXX, my twin brother XXXX XXXX XXXX XXXX XXXX ) cosigned for XXXX 's XXXX. XXXX used his information and on the paper work of XXXX XXXX XXXX the information written is accurate, but when Veros Credit XXXX financing company ) input the information on their end somehow my social security number was used instead. I was not present nor did I sign/know that XXXX was getting a vehicle. I wasn't notified about this purchase until XX/XX/2023 when I checked my credit report. I have tried contacting Veros Credit to resolve this situation but they just tell me I have no access because my name is not linked to any information. This has caused my credit to drop drastically and caused a lot of damages include getting out a car loan, apartment loan, school loan, and emotional distress.
Consumer complaint received 2018-11-13
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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have tried multiple times to dispute the XXXX XXXX XXXX account on my credt report. I have asked during every single investigation for proof that it is in fact my account. I need my signature showing it is mine on anything. I have XXXX & was going through multiple XXXX XXXX at the time the company says it was open and being used. I could not have. I had a XXXX. They have yet to produce any significant proof of signatures. I would gladly pay if it were mine. It is not mine.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to file this complaint because on XX/XX/year>, I mailed a notice of dispute to XXXX in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of XXXX days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to file a complaint against TransUnion for blocking my access to my credit report. Despite multiple attempts to contact them and resolve the issue, I have been unsuccessful. 

I have been on hold for over XXXX hours on several occasions without resolving the problem. This has caused significant inconvenience and has prevented me from accessing important information about my credit status.

When attempting to access my account online, I received the following error message : " We're unable to complete your request online. Please try your request by phone or mail. ", I was unable to reach a representative despite calling during their stated operating hours.

This lack of access and poor customer service is not only frustrating but also concerning, as it prevents me from monitoring my credit report and ensuring the accuracy of the information contained therein.

I kindly request your assistance in resolving this matter. I believe that consumers have the right to access their credit information promptly and without such undue hardship.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a speeding ticket in XXXX. I took driver 's safety to have the ticket dismissed. USAA has it as me having a ticket in XXXX and XXXX. I did not receive any moving violations in XXXX. I called to try to have it fixed, but the agent was not sure how to correct it. I believe it is affecting my premium unfairly.
Consumer complaint received 2023-12-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

This is my 3rd complaint with National Credit Systems and XXXX XXXX about a rental dispute and debt that's not owe, I've asked for the copy of a re-signed lease with me and my wife 's signature on it and all they keep providing is the lease that XXXX prepared with no signature on it. They originally tried to charge me {$5000.00} and saying that was breaking the lease and fees etc... .it wasn't until I filed my complaint with the XXXX  that I was finally given a itemized spreadsheet that I've been asking for since we've moved, we never signed a new lease and we've given XXXX a early notice notice that we weren't resigning the lease, she didn't want us to move... We we're looking for more space so she told us that they were going to have XXXX XXXX which is a 3 bedroom unit, and our unit XXXX was a 2 bedroom and we had a growing family, XXXX XXXX us she can try to get us in XXXX and we stated if she could then we'll do a new lease for XXXX but until then we'll do month to month while we wait. XXXX couldn't get us the XXXX bedroom so we searched and found a new place and she was upset and didn't want us to leave. But we've never signed a new lease agreement, it was originally reported at {$4700.00} and then at {$5000.00} which I've proved on in previous disputes and nothing was done but once I filed the complaint with the CFPB National Credit Systems reduced it from {$5000.00} to {$3300.00} ... .I will send screenshots from the previous disputes, along with the copy of a unsigned lease that they've sent me, I've been trying to get this issue resolved for almost 2 years now and it's affected my ability to rent ... .Also this account was already removed from my other credit profile except XXXX
Consumer complaint received 2024-03-25
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)

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 XXXX5 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account 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 2023-12-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

A {$50.00} American Express XXXX XXXX was purchased for me on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, FL. I received the card as a gift one week later. Since then, every transaction I have attempted with this card has been declined, but not for lack of funds or error on my part. 

Purchases were attempted at XXXX, XXXX different gas stations, a XXXX XXXX, a XXXX XXXX XXXX, and at two other online vendors. All failed. When I contacted American Express customer service on XX/XX/XXXX, I was told that the card was fully functional, and that I should seek out different vendors if the card was not accepted there. I have yet to find any vendor that accepts this card, and my experience is similar to hundredsif not thousandsof other card recipients online : XXXX XXXX XXXX We are all told that our cards are fully functional, yet they are not functional at nearly any vendor. This issue is not seen with XXXX and XXXX prepaid cards.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2024-03-25
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

On behalf of the principal name XXXX XXXX, IRS form 1099-C was filed and accepted by the IRS for the amount of {$10000.00} ( XXXX XXXX and XXXX XXXX  ). As a result, Copy B of IRS form 1099-C was sent to XXXX XXXX stating the amount was discharged. The principals account balance does not reflect this and still states the amount as being owed to XXXX XXXXXXXX XXXX XXXX. The request to update the balance for the account of the principal name XXXX XXXX is hereby made.
Consumer complaint received 2023-12-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I made a call to customer service on XXXX XXXX to resolve the issue with how I wasnt able to spend the mobey on the gift card at certain places like the local market or a gas station. They recommended to use the card at more popular locations and that alsos didnt work since I used it at a XXXX and XXXX as well but it didnt go through either. The card is shown as active online and is told active when called up for the balance with the number provided on the back.
Consumer complaint received 2023-12-24
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I was seeking to buy XXXX XXXX tickets as a gift. Went on line to XXXX to buy the tickets. Once the information was uploaded I get this thank you for your purchase. I immediately noticed an extra {$450.00} service fee. I contacted the company on their website and submitted they remove that charge since I did not agree. An email stating that was the typical service charge. I. Said I am not going to pay that charge since all the work was done on line with no human was involved. I immediately contacted USAA to dispute the charge when it comes in. USAA disregarded my request and pay them. Again I explained in a phone call that 1 ) I requested cancelation 2 ) Requested USAA dispute the fraudulent charge and reverse the charge. USAA paid XXXX and withdrew over {$2000.00}. Leaving my bank card in the negative.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC (LA)

So this company has said that I owe the stat right now they're saying that I got this debt in 2019, which is completely an accurate. They refuse to assist me with removing this from my credit report, when in fact, they refuse to provide any type of legal documentation showing ownership of this debt by myself I have reached out to them via USPS mail and asked them for verification of the debt. They refused to reply back to me.
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

Tried to log in on my XXXX account, did not remember current password, then blocked from account, told there was a collection notice submitted by equifax, by unidentified complaintant. Tried to contact equifax but told had to call a number. I hate talking over the phone when the issue is unclear and personal mumble so bad I can not understand them. That is why I ask for a written copy, verified with full disclosure.If they have a complaint, I demand a certified, verified and notarized copy of complaint signed under penalty of perjury by preparer. Never received a written complaint by mail from any source.Equifax and XXXX both violating my rights. I DEMAND FULL DISCLOSURE.
Consumer complaint received 2024-01-09
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)

I received a copy of my credit report there were incorrect addresses, phone numbers, and employers information that isn't mine. Also, two inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want this all removed.