davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Financial Group (TX)

I recently read a copy of my credit report and saw this company has put a bill in my name out to collection which has subsequently reported to XXXX. I have contacted Nationwide to investigate their claim and have written to them requesting they remove this unfounded charge and correct my credit report. To date, they have refused. I request your assistance. 

Undisputed facts : Auto Policy # XXXX issued to me on XX/XX/XXXX with a 183-day term ( XX/XX/XXXX XX/XX/XXXX ) for a total premium of {$980.00}. Initial premium paid by me on policy : {$240.00}, listed on policy summary page as 25 % of total premium. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 183 days ; coverage provided was for 46 days ( 25.14 % ). Premium paid was 25.00 %. 

Undisputed facts ( cont ) : Auto Policy # XXXX was put back into force on XX/XX/XXXX ( out of force for 11 days ) with an adjusted term ( XX/XX/XXXX XX/XX/XXXX ) of 184 days. This time paid initial premium of {$260.00}, higher than before, but presumably to incur some small cost for reinstating the policy. As policy number remained the same as the original contract, it stood to reason the policy terms remained the same. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 184 days ; coverage provided was for 44 days ( 23.91 % ). 

Summary : Auto Policy coverage terms scheduled for 367/2 = 183.5 days ; total coverage received was 90 days ( 46 + 44 ). Total premiums paid was {$500.00} ( 51.3 % of Policy # XXXXs Total Premium ). Total coverage provided was ( 49.05 % ). 

At Issue : Nationwide/XXXX  XXXX is claiming I owe them an additional {$100.00}. What for? Is this penalty for not keeping the policy? Did they change the terms of the policy ( because it was out of force for 11 days! )?  If the latter, they did so without my consent. ( After I disputed this charge they sent me premium notices from XX/XX/XXXX -- policy already out of force -- showing a different premium schedule. They can not cahnge the premium schedule after the policy is approved and put in force. 

Much like term life insurance, charges are not payable for periods of non-coverage. As explained above, I paid for what was provided to me by Nationwide, and a bit extra. 
I understand by twice lapsing my policy I was not a great customer for Nationwide, but this does not give them the right to arbitrarily apply charges, or change premiums due, past the policy effective date. I can assure you I approved no such thing. 

Please get them to straighten this out.
Consumer complaint received 2024-03-18
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. (CT)

I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Consumer complaint received 2024-03-17
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account 's XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I have told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

PNC Bank routinely charges overdraft fees when accounts have NOT gone into negative status! On XX/XX/2018 at the end of the business day our account did not go into negative status but on XX/XX/2018 PNC charged us with a " ghost " overdraft fee. I say ghost because they didn't report the fee in transactions history until Monday XX/XX/2018. I immediately called on XX/XX/2018 and was told I had to wait for a call from the escalation department. XXXX XXXX was the escalation person who called Monday XX/XX/2018 at XXXX XXXX  CST. After discussing the issue and providing him with evidence he refused to reverse the charge.
Consumer complaint received 2024-03-17
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. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2023-08-08
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block the inquiry that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/2023
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

I will be filing an identity theft report against XXXX. They logged into my account and falsified documents, fraudulently signed documents under my name and when I try to change the password on my account I do not receive the email with the reset link. I have to " select try another way ''. Since the time of my first complaint of fraud XXXX has taken steps to conceal information and I receive a 404 error message when I click the link to view the document they fraudulently claim I signed. My account does not look the same. They have deleted information from my report in which XXXX was accurately reporting and have failed to remove their own inaccurate accounts they are reporting on my credit report. The system also indicates the fraudulent document XXXX alleges I signed, was created manually. Furthermore, XXXX claims to have a promissory note signed by me, if this is true attached to the last page would be the electronic history of the document which I am also requesting. XXXX IS FRAUDULENTLY ACCESSING MY STUDENT AID ACCOUNT AS A STUDENT AND NOT A LOAN SERVICER. Lawsuit to follow.
Consumer complaint received 2023-10-25
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-08-08
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-10
Product: Credit reporting, credit repair services, 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. (MA)

I financed a car. I tried several times to get the dealership to fix the car. They put it in the shop XXXX times and didnt fix the problem. I broke down in the car so I had it towed to a XXXX dealership where they told me that the car needed a timing chain. I bought the extended warranty at the dealership when I signed the loan. The warranty company refused to fix the car with the excuse that I didnt have an oil change receipt but the fact is I only put a total of XXXX miles on the car and the dealership supposedly did an oil change on the car when I bought it. The car did get repossessed but I feel the dealership and the warranty company were and still are using fraudulent tactics
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened-XXXX  XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
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. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 These negative items are stopping me from being able t fund my business, finance a new car, maintain financial independence and long term sustability, also I am physically XXXX causing me even more hardship XXXX  XXXX XXXX Credit card number- XXXX {$3200.00} XXXX  XXXX  XXXX Credit card number- XXXX {$2500.00} XXXX XXXX  XXXX Credit card number- XXXX {$2500.00} XXXX XXXXf XXXX Credit card number- XXXX {$2400.00} XXXX XXXX XXXXXXXX Credit card number- XXXX {$2400.00} XXXX  XXXX XXXX Credit card number- XXXX {$510.00} Have violated my rights 15 USC 1681 602 section A. says I have the right to privacy 15 USC 1681 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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 2023-08-08
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: EQUIFAX, INC. (CA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.
Consumer complaint received 2023-06-27
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX  # XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX