davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (NJ)

This information is not mine, it does not belong to me and I do not want it in my report. 

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 2024-03-25
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. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX Banks Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-January XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-28
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. (CA)

A fraudulent account opened in my name by XXXX XXXX XXXX. See details below from Experian. I had account closed by credit grantor back in XXXX but my credit has been adversely affected and my score has not improved. Would like to file complaint as part of ongoing fraud dispute reports directly with credit bureaus which I am filing. 

XXXX  XXXX XXXX XXXX Account number XXXX Account type Charge  Card Responsibility Individual Date opened XX/XX/2023 Status Closed. {$210.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$800.00} Balance updated XX/XX/2023
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I've been looking at info on my credit reports and noticed Credit Acceptance reporting late payments on an account that is just not true. This company has reported payments being 30 days late for XXXX of 2023 and this is not the case. I am arguing that Credit Acceptance had no legal right to report this information and it is not accurate at all. Under 15 USC 1681a ( 2 ) ( A ) ( i ) the consumer report does not include information solely as to the transactions or experiences between the consumer and the person making the report. Credit acceptance is violating my consumer rights on so many levels. I have also filed complaints against the agencies reporting this info for not validating that it is accurate before reporting it on my consumer file and damaging my credit.
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

I have paid my full balance on my XXXX XXXXXXXX XXXX to Westlake Portfolio Management, but now they are saying I owe XXXX XXXX XXXX XXXX dollars more. I ask for an the balance of what I own and they tell me it is in my contract. My contract does not have this information, I asked for my title to the XXXX XXXXXXXX XXXX but they want to extort more money out of me. Westlake Portfolio Management is an racketeering company praying on the old, and poor victims,
Consumer complaint received 2024-03-25
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I've experienced repeated issues with Bank of America 's autopay system, resulting in its arbitrary cancellation of automatic payment without notice. This recently led to two late payments on my personal credit card account without my knowlesge. Although the bank reversed the fees, the late payments were reported to credit bureaus, negatively impacting my XXXX XXXX XXXX. 

This erroneous reporting caused by a documented system flaw now endangers my other credit lines. Despite a perfect payment history, my account was also closed without prior notice. My problems with the autopay system have been heavily documented and confirmed by the bank, despite this they are refusing the 60 day late report to the credit bureaus.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

I obtained a high interest loan initially back in XXXX. I always paid on time. I have been and still is facing financial hardship and have defaulted on a negotiated amount I found that later, through my hardships, I couldnt afford the payment plan of {$140.00} and Instead of filing for bankruptcy I enrolled in a debt consolidation program with XXXX XXXXy ( XXXX XXXX XXXX  ) in order to settle this and other debt. I have repeatedly informed advance America that I do not give permission for any debits from My bank account on file and to revoke XXXX ( XXXX XXXX XXXX ) and Ach debit. I am currently still enrolled in automatic payments despite my ach and XXXX revoke request. When I call advance America they inform me that I am not enrolled in automatic payments but when I get my statements it confirms I am enrolled. The information I am being given is conflicting.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

On Thursday XX/XX/XXXX my bank account was hacked. {$940.00} was taken. Chime is my online bank. I filed disputes only to get denied. I am not being given an explanation as to why. In doing some research I found out this has happened in the past with Chime. I just want my money back but don't feel I am getting the proper help.
Consumer complaint received 2023-12-29
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: Automated Collection Services, Inc. (IN)

Automated Collections, XXXXXXXX XXXX  and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting Automated Collections, XXXX XXXX and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. GLBA does not apply here so do not even come with that rebuttle. Automated Collections, XXXX XXXX, and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. XXXX XXXX XXXX File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEW YORK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

On the XXXX of XXXX a friend of mine sent me money through XXXX Which was the amount of XXXX and XXXX dollars making it a total of XXXX dollars I then transferred the money to through XXXX so that the money can be converted to XXXX  for me because Im currently in XXXX and the currency accepted is XXXX  so I had to use my friends account to convert it. 

A week later which was XXXX of XXXX my login got XXXX. I called the bank which is US bank to clarify and I was told my account is being processed for closure. 
So I am very confused on what to do.I guess the bank suspected my transaction as fraudulent but it wasnt And I need my bank account opened to get my tax refund deposited I am ready to verify any suspicious transactions the bank may have suspected I just need my account reinstated back to me
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (CA)

Wise says the transaction is canceled but it isnt both canceled in XXXX and XXXX but its active and theyre borrowing time. Ive called them over a dozen times and they say the same thing and have no idea what theyre talking about. XXXX XXXX to USD transfer
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MD)

Elon Financial Services manages my XXXX  credit account. I have authorized " Auto Pay '' to be processed through my checking account. I receive a statement monthly for my balance due. On several occasions the company has received a credit from a vendor which occurs after my statement has been sent. They do not send or notify me that they will apply the credit when my auto pay is collected. When the amount of the auto pay is different than my statement, I have to call my credit union for the amount. This is an adverse system that affects my ability to correctly balance my checking account. 
My XX/XX/XXXX bill was billed for {$2500.00} on my statement but only {$1300.00} was collected. Elon Financial received a credit on my XXXX XXXX account of {$1100.00} after my XXXX account closing date but as it was received before my payment was due they applied the credit to my amount due on XX/XX/XXXX. The XXXX charge was then listed on my XXXX bill in the amount of {$140.00} which significantly affected my payment due on XX/XX/XXXX. This system affects my ability to budget for my XXXX charges and could not be employed if I were mailing my payment.
Consumer complaint received 2024-03-25
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)

XX/XX/year> A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX XXXX XXXX The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/year> along with the XXXX payment. On XX/XX/year> I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to XXXX me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
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. (WI)

I am charging that the XXXX largest credit agencies are not in fact providing a positive service as it relates to customer finance. Each of them use business rules and math algorithms designed to maintain the lowest possible consumer credit score. I contend this is done by all XXXX of the bureaus colluding with each other and the lending institutions that use their dubious services to overcharge the consumer with interest rates that are considered usury in most countries around the world. My proof is as follows : 1 ) The time it takes for your score to drop is not proportional to the time it takes to recover those lost points. Ie a " hard '' credit check is performed... ..your score plummets ... .time to recovery for just thinking about taking a line of credit? Months. That is criminal, period.

2 ) XXXX completely different sets of credit rules for businesses and down the street customers. Why is that? Aren't corporations considered individuals now, just like a person? Afforded the same protections but also get special treatment from the credit bureaus. Absolutely criminal.

3 ) The credit reporting circus assumes guilty until proven innocent with no trial or element of due process. I understand it is civil but the penalties for this unlawful practice can cost you hundreds of thousands of dollars in finance charges, be used to determine employability, determine if you have a place to live. Before you deprive me of a constitutional right, there ought to be due process involved. A letter mailed to an old address and XXXX email does not constitute due process.

Recently I had my credit score dropped by over XXXX points while i was waiting for verification of the validity of an old cable bill that magically popped up years after I had moved out of the state. While waiting for XXXX to verify the debt, they immediately reported this with no concern for my credit standing, XXXX accountability, the balance was a whopping {$120.00}. XXXX points on my credit score is worth far more to me than {$120.00}, but of course it will now take over a year to claw those points back because of credit score suppression collusion done by the credit agencies. The pathetic part of this is that it is done under the supervision of your organization. Who decides what is fair for a consumer? I have no faith in a bunch of unelected bureaucrats keeping watch over companies that pay the finance lobby to push through what they deem " fair for the consumer '' What recourse do I have in this matter? Who shall I contact? Who should be held accountable for this fiasco?
Consumer complaint received 2023-12-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

Beginning of XXXX I was informed by a family member that collections were calling asking for me. Upon calling the agency myself on or around XX/XX/XXXX, I asked for an itemized receipt. Calls continued for over 2 months where I asked for an itemized receipt. On XX/XX/XXXX I received an itemized receipt saying I was owed a XXXX dollar refund from my previous apartment complex and that I owed XXXX to them. I called to confirm with the agency and they kept telling me they couldnt talk to me because my account was in dispute. Collections are claiming I owe XXXX dollars but I have not received a single document with that amount. I have asked over 10 times for this itemized receipt.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My Credit cards were closed by Bank of America on XX/XX/2023. I cant collect my cash rewards from my account. Its about {$380.00}. I keep call BoA but their associates only said I cant get any rewards because of closure. 
Its unfair for me that the closure without any notice. I used the credit card to collect cash rewards and now BoA stole it.