davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From XXXX... ..XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From Experian ... XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Inquires From XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX DEALER ALL has voilated 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-08-16
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. (WI)

On XX/XX/2023 I sent a dispute letter because there was an account reinserted to my profile with no notice. This account was previously reporting as XXXX XXXX XXXX. After disputing it, it was deleted from my credit report and reinserted as XXXX XXXX XXXX account XXXX. According to 15 U.S. Code 1681i, " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' In addition to that, this account is reporting the incorrect open date which is a violation of the FCRA. This is inaccurately and misleading information reporting and must be deleted from my profile
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NC)

This complaint is for EXPERIAN, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXXXXXX XXXX XXXX XXXX to all 3 credit bureaus requesting that the late payments be removed for 2 mortgage loans ( second one was ARM/balloon ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.
Consumer complaint received 2023-11-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NY)

I requested debt validation that they claimed was sent to me. They proceeded to sue me when they are supposed to validate and stop collections till they can validate. They claimed it was mailed to me. Which I have proof its a lie because I get pictures from usps informed delivery sent to my email. They sued me even though I asked for validation which they were to stop collections on this debt. I asked for validation before the do date.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

on XX/XX/XXXX upon trying to purschase a Automobile from an independent dealer, I was giving a link by the dealer to leave a deposit of {$500.00}. Shortly after the deposit a series of Unathorized XXXX payments where debited from my Navy Federal Credit Union XXXX account. made to the same dealer I made the {$500.00} deposit to. I contacted XXXX and the Seller. The seller assured me he would fix it and that he had issues with this in the past. He never did and I never bought that car. It was a whole scam. I called XXXX and opended a fraud claim and discpute. They never did anything for me and I am dealing with this again on this. the transactions are as follows : XX/XX/XXXX {$500.00} ( authorized deposit ) XX/XX/XXXX {$1500.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) and XX/XX/XXXX {$500.00} ( NOT authorized ). Total unathourized charges total {$4000.00}!! 

I never KNOWINGLY made these payments listed in my complaint attached with EXCEPTION to only XXXX of them ( {$500.00} made on XX/XX/XXXX ). Again The {$500.00} was for a down payment for an automobile purchase thru an independent car dealer that scammed me. I never ended up buying that car. So therefore, THAT charge of {$500.00} I DID make and I own up to that loss. 
However, as mentioned. after I paid via XXXX thru a link he provided me my XXXX Checking account was accessed without my authorization or knowledge and these erratic zelle payments were made without my consent! Again, The ONLY valid charge should be the {$500.00} XXXX payment to XXXX XXXX on XX/XX/XXXX. The rest of the payments made to that person were done without my authorization! I was account hacked let alone phished into this sale of a car that was grossly misrepresented and did not drive! 
These charges should and must be reversed and credited back to my account! This is a HUGE loss for me and my family. I have XXXX small children ( now XXXX old and a XXXX XXXX XXXX XXXX to take care of! NAVY FED Not getting my money back based on these circumstanced and facts provided made it clear to me this may be a violation of REG E that protects me! Regardless if XXXX has a no charge back policy. My filing is for UNAUTHORIZED ACCESS and UNAUTHORIZED Payments made without my knowledge! Please help me get my money back.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (MD)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MN)

I had signed up for a new account bonus with Citi. Here are the terms : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : - Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
- Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days - Bonus will post within 90 days from the date you complete all of the requirements I have completed all requirements and the 90 day window is now almost two weeks past. I opened the account on XX/XX/2018 and completed the requirements on XX/XX/2018. 90 days after that is XX/XX/2018.

I have contacted Citi multiple times about this, but have received no firm date when the bonus will post.
Consumer complaint received 2022-10-24
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt XXXX  XXXX XXXX XXXX ...., XXXX  XXXX XXXX XXXX ...., XXXX XXXX  XXXX ....
Consumer complaint received 2022-05-26
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: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

I had XXXX XXXX installed at my house. The tech that came to install said I would not have a problem even with the trees that were in my front yard. He installed the satellite on my front porch roof right where the tree is. He ran the box in my living room and didnt have enough wire to run it to my TV and just left it hooked up in the middle of my living room floor. From the time it was installed, it kept saying requiring satellite signal please wait a moment. I set up about 5 or 6 tech appointments to get it fixed ( which out of 2 appointments they never showed up and I missed work ) but it still never worked. All this time, I was paying the monthly charge. At this point, I was so frustrated, I told them that I was done missing work for them to come out and do nothing getting it to work right and I told them to come and pick up their equipment. I set up an appointment and they came and picked it up. Now they are trying to get me to pay a {$530.00} early termination fee. I called multiple times to XXXX XXXX and finally someone in billing said it was taken off my account. Then I see on my credit report that Credence Resource Management was sending me a bill for that amount and called them. I explained to them the issues I had with XXXX XXXX and they said that I still owed the money. At this point I was fed up. I called XXXX XXXX multiple times again and they notated my account each time I called and so did Credence Resource Managment. Neither one of those companies will see a dime from me. I paid for service for 4-5 months with no service.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

the following inquiries on Equifax dont belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc. (FL) (NC)

AR Resources XXXX XXXX  XXXX XXXX # XXXX - XXXX XXXX FL XXXX Dear AR Resources, I hope this letter finds you well. I am writing to inform you of multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by your agency regarding the abusive & excessive text messages I have received, See attached. 

On XXXX XXXX, XXXX XXXX, XX/XX/2023, I received a total of XXXX unsolicited text messages from your agency in an attempt to collect a debt.. These actions clearly violate the FDCPA, specifically Section 1692d, which prohibits debt collectors from engaging in conduct that is harassing, oppressive, or abusive. 

I am demanding {$3000.00} payable within 7 days for excessive and unjustified demands, which violates Section 1692f of the FDCPA, prohibiting debt collectors from using unfair or unconscionable means to collect or attempt to collect a debt. 

I am formally demanding that your agency immediately cease all communication with me through text messages. All future correspondence related to the debt must be conducted through written communication via mail, as per my rights under the FDCPA. 

Furthermore, I demand that your agency take immediate action to rectify this situation and address the FDCPA violations that have occurred. Specifically, I request the following : Cease all communication with me through text messages, as per my preference. All future communication should be conducted in writing and delivered through traditional mail. 
Refrain from making excessive demands causing stress duress and mental anguish via text message, which is in violation of the FDCPA. 
Provide written confirmation within 10 days of receiving this letter that my request has been acknowledged, and all text message communications have ceased. 

Please be aware that I am fully aware of my rights under the FDCPA and will not hesitate to take legal action to protect them if necessary. The violations committed by your agency are serious and require immediate attention. 

I trust that your agency will promptly address this matter, rectify the FDCPA violations, and ensure that such actions do not recur in the future. Failure toto meet the above mentioned demands may result in legal action being taken against your agency. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation of the actions taken within 7 days of your receipt of this letter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (TX)

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 and # XXXX, ( XXXX ) DEPT OF ED/XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX 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 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 2023-08-16
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MA)

Upon returning my vehicle in XXXX of XXXX, my car was inspected and incorrectly labeled as only having returned one set of the keys it came with. This was a charge that was wrongly added to my final invoice which I called to complain about and rectify. Ally called the dealership I dropped the car off at to confirm both keys were returned, which the dealership did confirm both sets of keys were left, but still would not remove the additional fees associated.

Additionally, for months on end, I spent countless hours calling and emailing Ally to get invoices that specifically broke down the remaining account charges. The total of the invoices they sent over were not matching up with my final account statement, and the rep that I had been working with at the time ( XXXX ) stopped responding to me entirely. I called and emailed him over and over again and never heard back. Every time I called I was told a XXXX would have to call me back, only to never hear from them again. Two years went by with no word from Ally after I opened a complaint with BBB, and then suddenly at the start of XXXX I began receiving multiple threatening emails and calls about needing to resolve my account statement. I was given the same run around repeatedly and never given any answers or follow up, and then my balance was forwarded to a collections agency, negatively impacting my XXXX XXXX in a very significant way. I have a 100 % on-time payment history and have never run into any issue like this in my entire life or with my credit history, and now my credit has been destroyed from Allys lack of concern or responsiveness to XXXX of their customers.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

Had a mortgage with UMM ( United Wholesale Mortgage ). 
This loan was paid in fill on XX/XX/XXXX I was due for an Escrow refund of {$3700.00} that I have not received. This is beyond legal time allowed for refund. I have called several times to find out where my refund is. I was told the check was cut XX/XX/XXXX and mailed XX/XX/XXXX. 
I called again about a week or so ago and said they should stop payment and reissue a check. I called again today XXXX XX/XX/XXXX XXXX and no check has been reissued as of today. 
I asked to speak to a manager and supervisor and both times I was told that I would receive a call back. I have not received any callback.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XX/XX/XXXX
Consumer complaint received 2023-08-16
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.