davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On  XXXX   XXXX  I applied via phone for the Merrill Lynch Visa signature Card from Bank of America. I was told that I would receive a decision wi thin 7-10 days  by the phone representative and that I could check the status online.     Withi n two da ys the status online changed from pending to the following : " Congratulations, your credit card application has been approved! You will receive your credit card  within 7-10 days and the Welcome Package within 10 to 14  days at the address you provided. '' I also received a later within 5 days stating the same thing including a comment about having a {$5000.00} credit limit.     On  XXXX   XXXX  I received a letter stating the following : " We initially communicated to you that we approved your application ... After further review ... we 've determined that we 're unable to approve your request because you have a sufficient number of accounts with us '' I checked the website - which still indicates that I 've been approved. I called in to review the situation. I voiced my displeasure of being misled by Bank of America. I have had a checking account with the bank for over a year used appropriately. I have  XXXX  credit card accounts open with a total credit limit of {$13000.00}. I offered to move credit limit from my existing accounts or close an account period. The bank seems unwilling to do anything even though my resolution would address the specific denial reason/risk they identified.
Consumer complaint received 2023-01-11
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)

I was on a trip to XXXX in XX/XX/2022. My card was lost but also may have been skimmed. I attempted to stop the payment while the charge was still processing but was denied a request. Throughout the claim, I have been provided with little to no information from my bank on how to proceed or what was going on. Additionally, I provided reviews online from tourists experiencing the same issue as well as screenshots of the same merchant attempting a XXXX charge after the account was frozen ( banks automate email alert ). I am not being asked to provide information on how/who exactly scammed me and or provide evidence from a foreign merchant I have no reasonable way in getting in contact with. I have not been provided with a case manager or clear instructions on how to best provide information to the investigator. I am willing to go under oath or do whatever is needed.
Consumer complaint received 2023-01-08
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. (FL)

I have tried multiple times to have these items stricken from my Credit Report with XXXX, Equifax and XXXX. 

XXXX is still showing the Federal Student Loans that were transferred to XXXX and forgiven under XXXX XXXX Loan Forgiveness ( documentation attach with XXXX loan balance ). 

Equifax is the worst. They have duplicate Student Loan Information. XXXX for XXXX Student Loan and the same that was transferred to XXXX. This is incorrect. They are duplicating a loan that was closed under XXXX XXXX Loan Forgiveness for which I have attached documents from online account and a letter I received recently. 

The last is XXXX, that reflects the Student Loan ( s ) and who blocks me from disputing or submitting a valid dispute for the erroneous information online under my rights under the FCRA. 

The XXXX Bureaus have been contacted multiple times even through your agency and they STILL refuse to correct the problem for which the dispute has been active more than XXXX days. As a result of the duplicate reporting and erroneous data, they have negatively affected my credit where creditors have reduced my credit limits or closed my accounts. 

This is in direct violation of the FCRA. They are not fixing the problem although I have given them the evidence. I have waited long enough to have this fixed and these bureaus do what they want and ignore the facts. They report wrong and are continuously negatively affecting my credit.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT.
Consumer complaint received 2023-02-07
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or update. XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (MI)

I received a bill from Penn credit Corporation for collection of {$700.00}. I never opened or used XXXX XXXX in Texas or any other state. 

Account # XXXX XXXX XXXX -- residential property Invoice # XXXX
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

On XX/XX/21 US Bank in XXXX XXXX, CA charged me XXXX {$36.00} = {$72.00} Overdraft Charges on check # XXXX. On XX/XX/21 I was charged another XXXX XXXX on check # XXXX. I set up the second checking account at the advise and recommendation of a bank teller. I was guaranteed that both checking accounts were linked together to avoid future Overdraft Charges. Since I was having ongoing issues related to accessing my account on line. I was informed that a technical employee would call me to assist me. Unfortunately my multiple attempts to get assistance never revealed any positive results. I made a complaint to the a manager at the XXXX XXXX Branch, but they did not do anything to help me. When I opened up the second checking account I was told that since I was a good long standing customer the bank and that I was having internet problems, they would notify me when my account was reaching a XXXX balance.
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (CA)

I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. CMRE FINANCE  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE FINANCIAL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} COLL {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX COLLECTION XP/TU ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX COLLECTION XP/EF
Consumer complaint received 2016-01-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Mobiloans, LLC (FL)

took out the the load from mobiloan. After, discovered and the terms and conditions of the load were unlawfully in my area. have contacted the company asking to surrender the load without penalty and interest. They refused and to day keep harassing me over the phone 10-20 times each day as well as placed a negative entry in my credit report.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (FL)

After trying to fix this with the company that is on my credit I was told that I will be committing a crime if I dont pay this debt. My identity was stolen many years ago and after them telling me they got this debt from XXXX XXXX XXXX has told me I dont hold him nothing and they never sold my information. I need this off my credit/debt collection as soon as possible
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX XXXXXXXX , Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-11-22
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: U.S. Auto Sales Inc. (FL)

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. 

Account name : US Auto Finance US Auto # XXXX balance 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 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG HOLDINGS INC (TN)

They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consider this as my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2023-02-03
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX
Consumer complaint received 2023-07-30
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. (GA)

I am a small business owner. I was trying to buy a commercial space to scale my business and realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my report. It is a defamation of my character.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I was an on-site Property Manager at this apartment community. I was offered a free apartment if I lived on-site ( on-call ). 

I submitted my resignation letter giving a two-week notice. 

AFTER I leave the company and move out, I am sent a letter stating this HUGE account is in collections, an account I never knew about! I fulfilled my two-week notice period and moved out that next day. 

I reached out to the collection company to provide documents pertaining to this debt and found an account ledger that charged me rent TWICE. The agreement was that I would receive my discount until the end of my employment. I contacted the corporate office and requested someone call me to discuss these huge discrepancies. They never called back, but a few weeks later I received a letter from an attorney 's office stating that the original creditor has requested counsel in discussing this debt. WHAT? 

This is ridiculous. I was never told I owed anything while I was living there. I was never notified of a balance due at move-out. I was never contacted by the property after moving out - that I had a balance. They charged my account with fraud expenses, sent it straight to collections, and are now putting up a wall to any communication other than through an attorney. Is this even legal?
Consumer complaint received 2023-02-07
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. (FL)

I reached out to the the Bureaus Originally on XX/XX/XXXX via each Bureau who sent my dispute directly to Law Offices XXXX regarding account XXXX. 
I requested them to please investigate and delete from my credit report. Initially I was a bit confused because this was listed as " collection attorney '' on my credit report and I know I have never spoke to any " attorneys ''. 
The FDCPA 807 SECTION 3, Strictly PROHIBITS : " the false representation or implication that any individual is an attorney or that any communication is from an attorney ''. However Law Offices of XXXX is on my credit report and is listed as " XXXX XXXX '' in the detail type. This is unacceptable and NO Bureaus should have EVER allowed this to be inserted on my Credit Profile it is AGAINST THE LAW. 
However, the Bureaus didn't respond. I sent out another letter on XX/XX/XXXX where I reminded the Bureaus of my complaint. I received correspondence from one of the Bureaus that Law Offices XXXX said account XXXX was " verified '' and " accurate ''. I found this not only to be inaccurate because I never had an account with Law Offices of XXXX and they are literally posing as an attorney which is against the FDCPA, but then found out this was a medical bill, Which also violates my rights under HIPPA Law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 60 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they are alleging that this account is " verified '' and " accurate '' should mean means that they should be able to produce all of then documentation I am requesting. If they can not produce this information they therefore not only violated FDCPA but also HIPAA. This account, account number # XXXX needs to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA .