davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: RentDebt Automated Collections, LLC (FL)

15 U.S code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim if identify theft! Please delete these items IMMEDIATLY!
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hi, I received Fifth Third Bank {$600.00} reward coupon through the mail to open momentum checking account. I needed to deposit {$15000.00} and fulfill some other requirements. In the beginning of XX/XX/, I deposited a check of {$15000.00} from my other bank account. The money were transferred without any issues. Today XX/XX/, I received a statement from Fifth Third Bank that my account was closed on XX/XX/XXXX  and funds were transferred. I never withdrew any money from that account, received a check or money being transferred to my other bank account from were they come from. I went to the Bank branch were I live and the banker attempted to help me with my issue but after he chat with someone I believe within the bank, he couldn't answer my question were my money are.
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. (NJ)

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 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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-17
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Funds withdrawn at B of A atms that were not me, noticed money missing. Filled claims to B of A and they are dragging their feet one department doesnt seem to know what the other is doing, and they dont contact you or give any good customer service. First {$1000.00} w/d at ATM in XXXX at XXXX XXXX branch on XX/XX/21, this is 25 miles from my house, in XXXX XXXX XXXX I live in XXXX XXXX XXXX ! Second, {$1000.00} w/d at ATM in XXXX, CA. XXXX on XXXX XX/XX/21. Third {$1000.00} w/d at B of A ATM at XXXX XXXX XXXX in XXXX, CA. XX/XX/21. This one is close to home I shop at this store, but I have never used a ATM there. Worst part is B of A not working to resolve quick enough, its their ATMs, all they need to do is check the video footage and see its not me! Their handling of this ( or lack of ) is unacceptable, borders on Criminal. Dont know how they got the California EDD account to provide these Pre paid debt cards? Like I said their customer service is very bad!
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX accounts : 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 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-24
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SYNCHRONY FINANCIAL (NC)

I applied for a PayPal credit account and was denied according to a credit report that indicated I had a Venmo account that has been established and information obtained in a report effected the decision. Not only have I not opened a Venmo account I also have reached out several times to customer support complaining that someone else is using a account with my name on it and using a old cell phone number Ive had in the past to move money and fraudulently use my personal information. Ive asked numerous customer service reps to delete the account my account and stop using my name and because I cant tell them the number associated with the account they wont delete it and somehow either lose connection and hand up mid conversation or never get back to me to follow up with my complaint! I want the account removed VIA MY NAME IMMEDIATELY
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I review my Consumer Reports & notice that I had 1 late payment on account that I was never late for Consumer Reporting Agency has a vital roll & have a responsibility ( 15 u.s.c. 1681 ) to report Consumer information to the best of their ability with 100 % accuracy I have never been late payments for the accounts XXXX XXXX XXXX XXXX. Account # XXXX. Please provide proof with statement showing that these payments were late. I request the 100a & 1099c If proof can't be provided these payments be updated to " on time payments '' as they should be as I was not late within the next 10 business days. Thank you.
Consumer complaint received 2018-03-20
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: CITIBANK, N.A. (CA)

I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brown and Joseph, Ltd (ME)

Today I received a letter from Brown and Joseph for {$69.00} from XXXX who did an audit of which they asked me to provide. 

The letter threatens legal action, additional fees, etc. all for an adjusted value, no phone calls, and my insurance agent who sold me the plan never knew either. 

The adjustment would be them owing me money for overcharges as I had less than expected revenue and less employees. The charge is fraud and the attempts to collect are against the FTC rules by threatening legal action without even attempting to validate the debt.
Consumer complaint received 2023-03-01
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. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the LISTED account from my file. 
XXXX XXXX XXXX XXXX : {$3600.00}.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies and Im the Consumer. I have the right to make sure that the my private information isnt 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. 15 USC 1681 Section 604, 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 reason : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies, XXXX, Experian 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 whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states, 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. 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( 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, Experian and XXXX is 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 all reporting services.
Consumer complaint received 2023-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This company ( Port Folio Recovery ) continues to harass with phone calls. They have been asked on several occasions to stop calling and to update their records to reflect that I have been issued this telephone number with a new service line from XXXX XXXX. I am on the verge of having to request a new telephone number due to their non-stop harassment and illegal actions. I have even contacted this company via their website and through their chat reminded them that this is a new number for myself and not the person they are seeking. 
This company should not be allowed to conduct business any longer due to their illegal actions. 
Apparently they seem to be paying off the correct public official that they are not held accountable for their illegal and harassing practice.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

Portfolio Recovery keeps calling my work number after being asked not to call me. They have made two calls in the last 30 days and another prior to this. Each time they call I tell them that this is my work number, the phone is answered by saying thank you for calling Employer 's name, they will not stop calling and I am not to have calls like this at work and they say they will note it and then call me again. I even give them my cell phone to call instead and they will not call it.
Consumer complaint received 2023-06-21
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 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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00}
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

My wife and I had 2 separate charge accounts with XXXX  XXXX ( setup in XXXX  ) ( they were GM Charge cards, 2 years ago Marcus ( Goldman Sachs ) took over the GM cards. When we make a payment on one card it is being credited to the wrong account, Also The charges on the first card are being put on the the second card. As a result we have a card account with a {$3600.00} credit the and the second card has a XXXX balance which we can not clear because they credit the wrong card. In XXXX we made a electronic payment of {$680.00} which did not get credited to either account but was deducted from my bank account. I was primary owner of one card and my wife was primary on the other card They are telling me No
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In XXXX of 2016 I opened a XXXX XXXX XXXX  account which due to life circumstances did default. There was a balance and I paid to have the item removed from my credit report as a negative item as the debt had been satisfied and this did not occur.
Consumer complaint received 2022-12-07
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NE)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
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. (IN)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case