davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (SC)

My first call with them was very abrasive I had no idea that my account that was joint with my XXXX aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3  times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold XXXX XXXX harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she XXXX  shortly after those calls and now I'm grieving her death and this mess with the EOS CCA and XXXX XXXX.
Consumer complaint received 2023-10-04
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. (SC)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-14
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: NAVY FEDERAL CREDIT UNION (GA)

STATUS Navy Federal made this response about the improper use of my information on XX/XX/XXXX. 

Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederXXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that our member established the following Navy Federal accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the Navy Federal Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). 

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. XXXX XXXX gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (VA)

This is my multiple 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Post Lake Lending Inc. (MI)

I attempted to call the number they provided to pay my loan early and the options they give you in the phone prompts hang up in you instead of allowing you to talk to anyone or make a payment. Forcing me to stay in a longer term for the loan and fraudulently force me to pay more interest on the loan. Every prompt option hangs up on you.
Consumer complaint received 2023-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (PA)

I have been living in the XXXX for the past XXXX weeks and I aim to spend another XXXX here. rying I have been trying to withdraw euros with my PNC virtual wallet debit card, but I find the atm fees to be prohibitively expensive ( usually anywhere from XXXX euros ). I haven't authorized any charges to my debit card from atms. I have not checked my balance on an atm or withdrawn any money from an atm and refused all fees when attempting to withdraw euros. After checking a few atms over the past week I have noticed XXXX {$5.00} charges from my bank labeled " INTL Balance Inquiry ''. Both are dated XX/XX/2023. I hadn't authorized those fees, much less checked my balance on an atm ( why bother when I can do it on my phone for free ). 

I can't dispute the charges until after they post on my account. I am almost certain they will refuse to refund me, but I will still file a dispute with PNC. I am very sure this anti-consumer practice is very very very widespread though, considering how profitable it must be for the banks. It is like going to the store, asking how much an item is, and them charging you {$5.00} to ask the question. There was no indication on the atms I was approving the fees, to make no mention of the fact that I didn't check my balance on them in the first place.
Consumer complaint received 2023-05-05
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

During mid XXXX in between XXXX XXXX me and my fiance were robbed at knife/gunpoint by several masked indivuduals they took our wallets, keys, and phones ( which were not password protected ). Following this incident me and my fiance filled a police report that same night ( case number : XXXX ). However, i did not know which cards i had on my persons so I was not sure until i saw the charges. On XX/XX/XXXX I opened my navy federal account and noticed there were several transactions on my account that totaled XXXX XXXX As soon as I noticed this I called navy federal and explained everything and filled a claim. On XX/XX/XXXX I received a letter from navy fed saying that the charges were authorized and that they would not be giving me my money back. Keep in mind I researched and found the merchants and physically went to every single one of them and none of them had seen my face or my partners face. One store was a XXXX store i spoke with the employees and they stated that a purchase someone made matched the last 4 digits of my card and they also attempted mobile purchases from my mobile device that they stole as well. I asked them what they bought and they told me it was against the law for them to tell me exactly what was bought but they did tell me it was a firearm. Keep in mind that XXXX  bought in my state ( Virginia ) have to be registered to a social security number in order to complete the purchase. You can run my social security and my partners social security and there are NO REGISTERED XXXX  in our names. Also, keep in mind me or my partner do not own guns we are heavily against weapons. That charge alone was around XXXX XXXX We do not have any XXXXs registered to our names this clearly shows that the purchase was not made by us
Consumer complaint received 2023-10-08
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name is 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 a account without my written instructions
Consumer complaint received 2023-10-08
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: EQUIFAX, INC. (MA)

I am writing to file a formal dispute regarding incorrect information on my credit report, which I first brought to the attention of Equifax on XXXX. To date, I have not received any response from Equifax regarding this matter. The following are the details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$540.00}
Consumer complaint received 2023-10-08
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. (MA)

I am writing to formally file a complaint regarding a dispute with Experian, one of the credit reporting agencies, concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00}
Consumer complaint received 2023-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC (AL)

I tried to get the system fixed first they XXXX XXXX. Well they filled bankruptcy an when it is business. So I'm dealing with the loan company. Went thru some hard times an tried to get a hardship loan. Sent them all the paperwork they requested over 8 months ago an still nothing. They continue to XXXX compound interest in my loan. I'll NEVER get caught up. I was also told that the system could be returned an that I would get back payments returned. All I want is this faulty thing gone an my credit repaired. No one will help me find the company that is taking over for XXXX. I can't afford to pay someone to remove them. I'm on XXXX an my check only goes so far. I don't even live in the house it's on ... .. God Bless!!!!
Consumer complaint received 2023-10-08
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. (VA)

Last month I received a drop in my credit score because of a collection from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX randomly showing up on my credit report. I wrote a letter for this agency to provide me with a contract that has my signature. It has now been over 45 days and i have yet to receive anything. I have no knowledge of this account and i demand that it be remove from my credit report.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Hunter Warfield bought debt that a property management company fabricated, and Hunter Warfield contacted me to try to collect on this false debt. I am submitting this complaint because Hunter Warfield does not perform its due diligence before purchasing debt, and it is illegally trying to collect a debt that is not mine from me.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBM Services, Inc. (MI)

I have several collection accounts with this agency and they should be from XXXX and XXXX. However they were reaged to XXXX ... When the creditor took it over. This account has been illegally reaged.
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I went to my fifth third bank located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 to cash a cashiers check, see attachment. When I stepped up to the teller I handed her ( XXXX ) the check and told her " This is a check for a business transaction from out of state and I don't know this person. Should I put a two week hold on this check to make sure it clears? '' She looked at the check and then said " NO this is a cashiers check drawn upon this bank ( XXXX XXXX XXXX ) ( see attachment ) and the member would have had to have a sufficient amount of funds in their account to be able to draw this check. '' Her response lead me to believe that everything was alright. She then cashed the check for me. I left and went about my business. The following week I received a notification ( see attachment ) that {$4500.00} was taken out of my money market account to cover a fraudulent check plus {$15.00} fee. I was very distraught to see this especially since I specifically asked the tellers advice. I went to the bank within the next several days to talk to the manager ( XXXX ), I told him what occurred and he said " We don't put holds on checks, we could cash it or deposit it into your account and the funds would be available in 1 to 2 business days. We can not be responsible for fraudulent checks or checks with insufficient funds. '' I told him that I understood that but in lieu of the conversation that I had with the bank representative I was lead to believe that everything was fine and that I proceeded accordingly after all I am not an expert at banking policy or proceedure. XXXX said " if that was your conversation with the teller then it could have been handled better '' Yah Think??? There was admission right there. Had the teller told me what XXXX told me I would have had the opportunity to make an informed decision having had the proper information disclosed to me. I am in health care and If something happens to a patient after they made a decision base upon incomplete information that I gave them I would be sued for negligence and mal practice. I can only believe that a bank has the same fiduciary responsibility to the community and it's members. If not how can I ever feel safe acting upon anything that a bank tells me again. I would like for the bank to take responsibility for their mistake and reimburse my money in full.
Consumer complaint received 2023-10-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IL)

In accordance to the Federal Fair Credit Reporting act, this creditor have violated my rights. Under 15U.S.C1681 sec. 602 ( 4 ) states I have a right to privacy. 15U.S.C1681 sec 604 ( a ) sec 2 also states consumer reporting agency can not furnished account without my written instructions. 15U.S.C1666 ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - Date : XX/XX/year>. XXXX XXXX - Date : XX/XX/year>
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one closed account because my payment was from an autopay account that did not have sufficient funds, because I had just switched banks from a bank that had a bank run on it to a more secure bank and when I inputted new autopay information to CC company I clicked checking instead of savings. After years of timely payments with no late payments ever, capital one decided to close my account for one missed payment due to this switch. They have been trying to charge me a late fee which I would not like to pay, as I immediately payed bill when I noticed the autopay did not go through. And they tried to charge me interest on a later missed payment when they approved a charge on my card when my account had been closed and then tried to charge me a missed payment fee on not making a payment for that transaction. I paid the amount due for the charge, as I received it, but they did not waive the interest. Now, I have a mark on my credit report
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.