davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (MO)

Per the FCRA, I am now opting out of any and all authorization that I, as the consumer, may have given to XXXX written or verbal, PER 5 USC 6802.

15 USC 1681 Definitions ; rules of construction ( c ) The term consumer means an individual. ( d ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( 2 ) Exclusions. A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. THIS MEANS YOU NEED MY WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT. I DID NOT GIVE THIS AUTHORIZATION AND IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. ALSO SEE 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Accuracy & Fairness of credit reporting 15 USC 6801 Protection of nonpublic personal information 16 CFR 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION ; 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 USC 6802 says no disclosure unless given an opt out option. I was supposed to get an opt out option every 30 days and this didnt happen once.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CIBC BANCORP USA INC. ()

Hello my wallet was stolen from my locker & my credit card was used I immediately called my bank ( CIBC ) & was told this would be investigated they called XXXX week later saying the unauthorized transaction was being denied because the Pin was used this transaction was done apparently at XXXX XXXX for XXXX $
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (OR)

On XX/XX/29 3 fraudulent charges happened to my account. I then went to customer service to try and submit a claim about it. They have denied me this service and then they closed my account without permission. My direct deposit goes through this account and now I have no access to my paychecks. My job is going through a switch of services so I can not change my direct deposit. They should not have been able to close my account without my consent and they have not done anything about the fraudulent charges.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company name is Capital One NA - XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, XXXX, and XXXX. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (FL)

I was a victim of identity theft in 2020. I was a long time card holder with American Express XXXX credit card. When my entire wallet was stolen from me with all of my personal information inside, including my American Express card and several other credit cards. All maxed out! I called American Express as I did with all of my other credit/bank cards. They were the only one to refuse to protect me from the fraud that occurred on my American Express account. Deeming they were my charges and charging them off as bad debt on my credit. Ive called in several times and have tried to dispute it with American Express and my credit report and American Express refuses to do anything about this, 4 years later and I am STILL dealing with this mess, thanks to American Express not having any kind of fraud protection or fraud preventive services and refuse to help a fraud victim!
Consumer complaint received 2023-09-17
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. (MD)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting, An agency can not furnish an account without my written instructions. Under 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 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I received notice that my PMI is eligible to be removed and to give Bank of America a call. I called that day, and they walked me through the process. They wanted me to mail them a check for {$150.00} for the appraisal which needed to be done for the value of the home. I asked if they could draft my checking account. it is instant and I was giving them permission. They said they can not do that, ok fine. I received the letter and pre-paid envelope. I filled out the form and wrote the check and mailed it back. this was the week before XXXX. I called back start to XXXX. I spoke with a rep, and they informed me that the check was not received I confirmed check was never a cashed. they somehow lost it. My case was escalated and to call back next week they would have an update then. I called again and was told no updates they are still looking for it. I requested again to just draft the money out of my account and to get this going. they said they can't. I asked them to mail me the forms again and I would fill out another check. End of XXXX and I have not received the new envelope. I called Bank of America on XX/XX/XXXX and requested to speak with a manager, they said they will have them reach out to me. Have not heard from them once. I find it unbelievable that its XXXX and they want me to send them a check in the mail, they lose it and now I'm still waiting for them to mail me. Bank of America is so big that it isn't worth my business. I am just a number, and they could care less. Been with BOA for almost 20 years! PMI is {$90.00} a month and I could use this money for my bills, but they don't answer back, the reps on the phones can't do anything to help and I don't have any other options.
Consumer complaint received 2024-02-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Onity Group Inc. (MI)

I got a divorce in XXXX and was with XXXX XXXX after divorce it should have never changed hands with a refinance I never agreed to a different mortgage company I don't even think I was loan any money for the refinance and have never paid XXXX bank a red cent every and they say they've been my bank since XXXX it is a scam and fraudulent the hole way through take a look what's been recorded under my name on my property both addresses XXXXXXXX XXXX XXXX and XXXX XXXX  same place same house but they use both to confuse and conflict as well as my name XXXX XXXX and XXXX XXXX same person as well as if I was married at time of record I was married XX/XX/XXXX divorced XX/XX/XXXX and conveniently my deed is lost now but recorded XXXX after divorce
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc (MI)

This is referring back to my case last year XXXX, I am constantly trying to get this resolved while XXXX continues to provide no updated information nor help. I have contact XXXX  numerous times via email and phone and all they say is someone will contact me, this has been for the past XXXX months no one from XXXX has ever contacted me regarding this. 
XXXX  claims I owe {$2400.00} towards a debt for an item I told them I never received, since XXXX  refuses to respond to anything I had to raise a claim with who they says is my current debt collector " XXXX ''. That claim has since been resolved since XX/XX/23, I received an email from XXXX stating that as of of XX/XX/23 XXXX will no longer attempt to collect on this account on behalf of XXXX. Anymore questions contact XXXX, which I have done and I have never got a response from them since last year. I am aggressively trying to fix my credit as I don't have a car right now so I really would like to push this issue to be solved and off my credit asap
Consumer complaint received 2024-02-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

I was on XXXX got the card started using the card. Next thing you know notice that my money was disappearing I was getting you know never let the the car was letting me know that stuff is going on but I'll call the bank and told them that I wasn't spending any money. At that point I had to freeze my account. Because they wouldn't us XXXX  would not then from there they said they can identify me. My phone got stolen so a lot of things happen but now they now the bank has closed my account but now they can identify me I'm asking for help they tell me to call XXXX XXXX  won't pick up the phone. I need help
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-06
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)

On XX/XX/2023 I filed a complaint with cfpb ( complaint # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX XXXX XXXX, CA. On XX/XX/2023, they ran my credit without my permission, and I was not interested in purchasing a vehicle nor co-signing for anyone. I was with a family member who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/2023. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. The five finance companies who unlawfully ran my credit without permission were XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality.
Consumer complaint received 2023-12-12
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. (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 2023-07-03
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit reporting act XXXX  account ... FEBXXXX  XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (GA)

On XX/XX/XXXX a payment to Covington Credit was drafted from my checking account. I noticed the following day, that it appeared to have been returned so I called Covington Credit and asked if they received my payment or was it returned. The man I spoke with stated that it has cleared. Today a girl called and stated that it had been returned. Everytime I tried to talk, she interrupted and talked over me and literally would not stop talking. Finally she finished saying whatever it was and I asked her if she could hear me and she said yes, but I needed to listen to her and I started explaining what has happened the few days before, and she interrupted again and talked over me again. She finally just hung up on me. I have tried to call back but I am put in hold and she never returns to the phone. I suspect this has all been done to extort past due fees and more money that I do not have out of me. I am a XXXX  and my health is suffering and I can't deal with this type of stress. Life is already stressful enough. I can not correct anything about this situation if the people refuse my phone calls.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

XX/XX/24, credence resource mana attempted to collect a debt from me. I put in a dispute with XXXX. 15 usc 1692c ( c ), if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication Please help me with this matter, thank you.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (TX)

This is Several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$170.00} XX/XX/2020 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-06
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$910.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX