davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (GA)

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  And others see attach
Consumer complaint received 2023-05-23
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: Colony Brands, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-09
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. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

I believe accts might have been opened without my consent with WF. I have two custodial savings accts that i opened over ten years ago. Id received two additional atm cards years apart but had not opened any additional accts with WF.
Consumer complaint received 2023-05-10
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX, Midland credit management, XXXX XXXX, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (OK)

I mailed them a {$3300.00} check around XX/XX/XXXX to bring my account current and then pay towards my principle balance. Almost a month later they still have not applied the check to my balance and they continue to charge me daily interest on the past due balance that should not be past due.
Consumer complaint received 2023-09-09
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. (MI)

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-09
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. (MI)

I am writing to request the immediate removal of credit accounts associated with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-04-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I did not have the funds in my bank, and the company has been incessantly calling my phone and is sending threatening emails, saying that if I do not pay immediately I will be prosecuted and will owe {$25000.00} from a {$400.00} loan. They are saying that I have to send them a promisory note immediately, or I will be prosecuted.
Consumer complaint received 2023-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp (KY)

I have a medical bill that is in collections. That I received no bill for in the mail and no written notice that it was even in collections. 
And looking at the timeline from when it went into collections It was around a time that I had filed an identity theft report with each of the credit bureau 's. I have tried to dispute this with XXXX XXXX XXXX  credit bureau 's. Because that's where it's showing up at. And they have verified that the information is all mine and therefore it must be mine. Yet I have no written bill or any kind of attempt to collect on the bill or to collect on the collection debt.
Consumer complaint received 2024-03-12
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX
Consumer complaint received 2023-09-09
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
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. (PA)

I sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OR)

About an hour ago, I received 4 emails. The first was from XXXX XXXX ( XXXX ) : " Thank you for taking the time to meet with me and for setting up your access to Chase Online. If you have not done so already, we encourage you to download the Chase Mobile App1. Together the Chase Mobile App and Chase.com give you the ability to bank virtually anywhere at any time. 

Please feel free to reach out to me directly with any questions. 

Thank you. '' - 2nd email I received, from Chase ( XXXX ) : We ordered your new card As you requested, you've been issued a new debit or ATM card. 

Here 's what comes next : - Your card will arrive in a plain envelope in a few days. 
- You can activate your new card by using it at an ATM or calling the number on the front of the card. 
- If your previous card was in your mobile wallet and you'd like to add your new one, follow the instructions in your wallet app. 
Didn't request a new card? 
Call us immediately at the number on the back of your card or, if you don't have one with you, visit chase.com/CustomerService to find the best way to notify us. 


3rd one, also from Chase ( XXXX ) : We've updated your email address Dear XXXX XXXX XXXX As you requested, we've updated your email address. 

If you didn't request this change : Call us immediately at the number on the back of your card. 

If you don't have a card, you can visit chase.com/CustomerService to find the best phone number. 


4th one, from Chase ( XXXX ) : Your email address update is complete If you asked us to make this change, you're all set. 

If you didn't make this request, call us immediately at XXXX or visit chase.com/CustomerService. 


***I wrote back to the first one, and XXXX XXXX back to me telling me to call him at the number below. I didn't call, and came to this website to report what happened. Yikes.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Mobiloans, LLC (VA)

I was approved for a $ XXXX line of credit through MobiLoans , LLC. In increments, I borrowed all of the {$1200.00}, and accumulated some fees associated with it. It was not long until I wrote and sent a check on XX/XX/2016 for {$1200.00}, and it posted to my checking account on XX/XX/2016 for {$1200.00} dollars. That left me with a balance of fee charges ( advance fee and fixed finance charge fee ). My latest payment due date was XX/XX/2016, for the minimum amount of {$92.00}, and a balance of {$290.00}. On XX/XX/2016 I sent a check for the balance of {$290.00} ( I sent {$290.00} ), and as of today, MobiLoans , LLC can not tell me whether they have received my check ; They just keep telling me that it takes 7-10 business days to process if mailed, which is n't anywhere on their disclosures for mailed payments. The {$1200.00} payment posted to my checking account just TWO DAYS after I mailed it. I strongly believe that they delayed/and are delaying this payment mailed on XX/XX/2016, just to charge another financed fee. I strongly believe that they should have received and processed my payment due XX/XX/2016 by XX/XX/2016, just as they did the {$1200.00} payment, in rapid succession. I was told by one representative that once they receive the payment, it is processed immediately. Currently, I have been told by a Supervisor that he can not call processing to see if the payment has been received, and he also stated that it takes 7-10 business days to process, which is contrary to what happened with the {$1200.00} payment. Also, the payment center for mailed payments is just in XXXX, and I am in XXXX, yet one representative told me that it takes five days to receive my " mailed '' payment. Well that was not the case with my " mailed '' {$1200.00} payment in XX/XX/2016. It was received expeditiously and processed expeditiously. So I am really wanting assistance to be sure no more fees are charged to my account. Once this payment of {$290.00}, that they are delaying, is processed, I will only have {$34.00} left to pay by XX/XX/2016, which I intend on paying/mailing in the next couple of days. 

I can most likely fax or mail whatever documents you might need or request to see.
Consumer complaint received 2024-03-12
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. (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 : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-14
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: LEXISNEXIS (NC)

I have previously disputed these items with LexisNexis [ Bankruptcy Case # XXXX, XXXX, & XXXX ] and in response you verified the items are accurate, stating that you have verified the information with the U.S. Bankruptcy Court via PACER.

I contacted the courts directly, and their response is enclosed. It is clear they DO NOT report to you or to any credit bureau for that matter ; therefore, your original response verifying the items with the court was either an error or a lie. Either way, the reporting requirements DO NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and the items in dispute on my credit report must be deleted immediately. ( Reference page # 7 & 8 ) In contradiction, you ( LexisNexis ) stated .... reported to LexisNexis by the nationwide consumer reporting agencies. ( Reference page # 3 ) On the other hand, I have numerous credit reports stating from the nationwide consumer reporting agencies that all public information was obtained through a third-party vendor, LexisNexis. ( Reference page # 5 ) Moreover, my name, address, and full social security number should NOT have been shared with any third party due to the security freeze I have and had on my credit files with a PIN from each credit bureau and your company LexisNexis.

Enclosed are copies of ( highlighted ) documents supporting my position.
Consumer complaint received 2024-03-12
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. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account.

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX, XXXX, Tn XXXX Violation : FRCA USC1681 Accounts : XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX XXXX XXXX XXXX Violation : FRCA USC1681 XXXX XXXX Violation : FRCA USC1681 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT.

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 went to physical Bank of America location in XXXX XXXX, TX and deposited a $ XXXX Parent Plus loan refund check from University of XXXX for my son 's college. 

I received notice and deposit receipt that the funds will credit same day and full amount would be available next day on XX/XX/2023 ( next business day ). 

At XXXX CT on XX/XX/2023 received an email that BOA placed a hold on my deposit because information told them the check would be returned and funds will not be released until XX/XX/2023. But within my account, it states the funds will be available on XX/XX/2023 at XXXX CT. 

After I received that message, I called BOA once I received that message and the representative said that email was inaccurate and I should get an update on Friday, XX/XX/2023 and there will be a shorter hold because of the large amount. 

I am filing this complaint because according to banking regulations, they should only hold funds/checks for a reasonable period of time. After verifying with the payee that the funds have been released to BOA and also that the Federal Government ( Federal Student Aid Loan ID # XXXX ) released the funds in my name on XX/XX/2023 to University of XXXX and XXXX XXXX ( Loan Servicer ) this loan is in my name and I am currently being charge interest on this money that I do not have access to. Bank of America has this money on hold illegally by not releasing funds within 1-2 business days.