davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (MI)

I am writing to assert my legal rights as a consumer. Many inquiries on my report are unauthorized and illegitimate. I have not given consent to these companies to access my report and they are doing harm to my right to liberty and my 4th amendment rights. This is a violation of my privacy and the 15 usc 1681 I request the all inquiries not associated with an account be removed
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts on my credit report below have violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX XXXX 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-01-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

This matter has been on going since XX/XX/2021. I was a co-signer with my mother on her Nissan Loan through Nissan XXXX XXXX. It was during pandemic when mail was not coming on time, and XXXX bills were not received by my mother. The bill for XXXX and XXXX. I was NEVER alerted, as a co-signer on a loan, of the issue ( the company has my cell phone number, work number, place of work, address, email, etc ). I was never notified and I found out though an alert on my credit monitoring app- it was the weekend and I had to wait until the following business day. When I called the first time- the representative refused to give me any information and stated if I was not the primary loan holder I did not have the access to the account- I asked for a supervisor, but was instead disconnected. I called back and received a different representative who told me the account was in good standing, all payments had been made and that I can dispute the report with a different department or the XXXX credit bureaus. I tried to dispute the late payments- because I was never informed of them as a co-signer ; however, the credit bureaus took the position of the financial institution. I do not believe it to accurate or appropriate for Nissan XXXX to hurt my credit report with late payments when I was never notified of them as a co-signer. I did not receive any type of communication of the late payments. If you look at my credit history I have NEVER in my life had any late payments. I have multiple mortgages, multiple car loans, many credit cards, and other miscellaneous loans/credits. Nissan XXXX should not have the right to damage my credit report without notifying me of the issue first to have the issue resolved. I want an investigation as to why I, the co-signer of the loan, was never made aware of the late payments ; I want the late payments removed off of my credit report ; and I want CFPB to protect future customers of Nissan XXXX not to be swindled by the institution.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX {$1400.00} XXXX XXXX  XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$2800.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) - XXXX {$2800.00} XXXX - XXXX $ XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$410.00} XXXX - XXXX {$460.00} XXXX XXXX  XXXX {$20000.00} XXXX - XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX XXXXXXXX - XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} LATE PAYMENT : XXXX XXXX  - XXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX
Consumer complaint received 2023-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America closed my accounts in 2019 due to their own business decision. They incorrectly reported fraud instead. I spoken w/ Bank of America to confirm the reason of closure and also got a letter from the company in which non states fraud. They will not correct the reporting to early warning and when they responded to my original complaint. They send contact information for XXXX XXXX for regulatory complaints however she has not returned any of my calls to discuss the complaints. Ive left multiple messages and have not received a return call back or email.
Consumer complaint received 2023-01-09
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. (IL)

I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!
Consumer complaint received 2023-01-09
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. (IL)

I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under XXXX XXXX XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i am requesting that ALL non-accu0nt holding inquiries over30 days be removed. 







Has violated my rights XXXX U.S.C XXXX section XXXX A States I have the right to privacy. 



XXXX XXXX XXXX Section XXXX A Section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX ( a ) ( XXXX ) 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 crime which antedates the report by more than 7 years. 



XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-11-30
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)

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX The above accounts have violated my rights. 

XXXX XXXX XXXX XXXX states, I have the right to privacy XXXX XXXX XXXX XXXX Section XXXX : States, a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2023-05-24
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: V and H Portfolio (OH)

3 weeks ago I received an alert of a collection account being added to my credit report. I've disputed it twice as I've never even heard of this company and after researching I found that this is a common practice from Vance and Huffman llc. They double report which is illegal and fraudulently put garbage on your report. I need this looked into as I've disputed and reported to multiple agencies and currently working with my attorney to file a lawsuit. The amount is {$270.00} and says original creditor is XXXX. Never heard of either of them original or secondary.
Consumer complaint received 2022-11-17
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)

According to Federal Law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXXXXXX has been furnished onto my consumer report and this specific furnishing is an extreme adverse item of information which antedates my report by XXXX years.
Consumer complaint received 2022-11-30
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)

XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2021-05-17
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)

Account XXXX XXXX XXXXXXXX According to 15 ucs 1681b. ( 2 ) you do not have my written instruction to share this account, if so please show me any sign contract that I gave you instruction to share this account.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2018-10-11
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. (CA)

Earlier this year I discovered that I was a victim of identity theft and was disappointed to find out that someone unknown to me had used my personal information to get credit card accounts, lease and apartment, get pg & e, phone line and also filed a bankruptcy all with my social security number. Since I was not aware of the accounts they all got charged off and eventually ended up in collections. I have been diligently working with the credit Bureaus to repair my credit ; up until now XXXX  and XXXX have deleted the erroneous items from my credit profile. I am still having trouble with Equifax ; I have submitted an FTC report a police report and have asked Equifax to show me where they receive their information for bankruptcies. Equifax told me they receive their information from two places, they said the court reports to them and that XXXX XXXX also reports to them. I have received letters from both entities and they do not report to the Bureaus ; therefore this is considered an inaccuracy on my credit report by the consumer reporting agency. Per the FCRA 611 the consumer reporting agency is required to furnish verification to the consumer as to how or where the consumer reporting agency receives their information. They will not tell me where they get their information and have not removed this inaccuracy from my file. I have written them several letters to no avail. I have sent them many certified letters with date stamps ; per the FCRA they have 30 days to reinvestigate and determine a resolution.
Consumer complaint received 2022-11-17
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. (MI)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts 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 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

See previous complaint. I was not notified Wells Fargo Home Mortgage made a response here on this site with my complaint, nor was a I notified that I had a time limit on responding otherwise CFPB would close it. Wells Fargo Home Mortgage closed my complaint because I had to wait for an email from the credit union with proof of payment on my end. Then they transferred me to someone else who in turn was doing the same thing. I provided everything they asked for but no one from cfpb reached out to me asking if what they were saying was accurate. This is far from closed!
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I contacted Progressive Management Systems on XX/XX/2023 regarding a statement they'd sent me. They told me that the current balance included several accounts. I requested substantiation of the debt since the statement they sent me did not include any details other than the total current balance. They never sent me anything.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My first missed payment was in 2015. Please delete this entire account from my credit profile as the 7 years has lasped. ( XXXX XXXX Acct # : XXXX )
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Good afternoon. I am a XXXX XXXX XXXX XXXX XXXX  with a checking account through PNC bank. I am in my XXXX XXXX XXXX XXXX and working hard to achieve success. Im often studying or in class. I worked almost everyday this past summer to make over {$2000.00}. I have NEVER disputed any charge in the past nor have I ever been the victim of fraud. Additionally, Ive never lost my card or misplaced it and it is always with me. Additionally I have never shared my account info or log in info with anyone. I realized in XXXX that my account had been hacked and numerous fraudulent charges had been made. The majority of the charges were fraudulent. I contacted my bank immediately. I disputed every charge that was fraudulent and then later even went to the PNC branch on XXXX. I returned home today for the holiday break and received numerous notifications from PNC that my disputed transactions were denied and not returned. The PNC website currently notes that theres been an increase in fraud, however, they are unwilling to return my money. PNC targets XXXX XXXX and advertises how secure they are. 
Their lack of quick response and unwillingness to return my money is unacceptable. Many people have to work hard to make a little money and should not be taken advantage of by a large bank. As a result of their unwillingness to refund my money, I have lost approximately {$1000.00}. 
I appreciate any guidance you may provide. 

XXXX XXXX
Consumer complaint received 2022-11-17
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. (GA)

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XX/XX/XXXX we rented a place to stay in XXXX AZ via XXXX for XX/XX/XXXX. At that time we paid the full amount of {$3300.00}. On XX/XX/XXXX, XXXX notified us via email that the reservation was cancelled as the owner had sold the property. Per the rental cancellation agreement we were to receive XXXX  % reimbursement because the cancellation was before XX/XX/XXXX. However, no reimbursement showed up on my XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Capitol One. In several calls I spent hours on the phone with them. I also sent two letters of explanation and copies of relevant documents. I explained that the owner/host would not communicate with us, nor was XXXX. Now XXXX XXXX has told me via a letter of XX/XX/XXXX that since I did not file the dispute within 60 days, they will not give me a refund. It was 61 days after the cancellation but it took time for statements to reach me. Again, this is for a rental next XXXX! We will receive nothing for our money and this business model is most unfair to consumers. I would be happy to provide all the documents and or answer any questions. Lastly, I have no vision in my right eye and do not see all that well with my right. eye in some situations Thus, it can be challenging to follow light gray or small print. 
There is more to this case such as XXXX changed from XXXX XXXX  to XXXX XXXX to manage their credit cards. There was some non-related fraud on the XXXX XXXX  account which was successfully resolved but raised questions about this transaction. I tried to call instead of writing all of this down but could not get through. 
Sincerely, XXXX XXXX