davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

I have a a unverified account from ERC #  XXXX . I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C .1692 g,   I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following :  1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (MO)

The CFO was sent a cease and desist letter dated XXXX XX/XX/2023 from sending any paper statement because the original loan was settled through the IRS. The bank instead resorted to numerous phone calls and notice letters of allege debt. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
Consumer complaint received 2017-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Data Corporation (TX)

Without admitting their error,  Telecheck Services ( w ho processes orders for  XXXX   ) sai d that " your account has been updated '' and re-submit the order in  XXXX  to  XXXX  days and it will be processed. For years, I have paid  XXXX  through my preferred bank account with    XXXX   XXXX    XXXX  -- and orders have arrived to my address. I placed an order yesterday and  XXXX  said it would be arriving between the  XXXX  and the  XXXX  of  XXXX . This morning I received an e-mail from  XXXX  saying that my bank had refused payment, according to Telecheck. HOWEVER, I called my bank and they affirmed no request for payment had come from  XXXX , that  TELECHECK had made an error because my account ( a large one ) would have immediately paid for the purchase. I have tried to get  XXXX  and  Telecheck  to tell me WHO made this error so it can be corrected TODAY. I have been referred to people with no authority to do anything by both companies. I have spoken to people in various countries who are difficult to understand. I am livid at the fact that I can not talk with ANYONE who has the real authority to TELL ME THE TRUTH AND STRAIGHTEN OUT THIS MESS. Both companies need to be FINED and consumers need to be treated HONESTLY by people with authority to correct errors!
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (GA)

Account was charged off with XXXX by original creditor in which somehow WAKEFEILD & ASSOCIATES ILLEGALLY GOT my account information without the consumer consent as the account was satisfied.Furthermore WAKEFIELD & ASSOCIATES FAIL to honor federal law that protects consumers against anyone reporting any account or debt during an active investigation. Violation of 15 USC 1692g ( b ). As well as WAKEFEILD $ & ASSOCIATES reporting inaccurately to XXXX clearly knowing the other XXXX credit reporting agencies, ( XXXX and XXXX ), have took off such false item on my credit report as such account was satisfied. As well as it has been over 30 days since I reported this dispute!
Consumer complaint received 2022-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (IL)

I have been receiving multiple calls throughout the day and night in regards to payment for my loan. I have attempted to set up auto payment on at least 2 different occasions, and each time was told that something didnt go through and was not able to process the payment. I have asked repeatedly to have certain phone numbers taken off of the account due to the contact being deceased, and they still continue to contact that number. I have given the company proof on multiple occasions that the contact is deceased and they have not placed that in my account. I have multiple voicemails stating that it is there last time reaching out, but I still continue to get more calls. When picking up the nighttime calls, no one says anything and they hang up.
Consumer complaint received 2023-08-12
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. (SC)

On XX/XX/2023 I received an alert from Experian that states a dispute was in progress. I have not initiated or asked them to start a dispute. I gave clear and explicit direction in accordance with the facts that I am the consumer and I have the right to ensure my private information isn't shared. Any account information that is shared in my consumer data file IS NONPUBLIC INFORMATION and 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. To do anything else other than deleting the account as requested is a willful violation of the aforementioned laws. Again I am removing any and all consent known, not known and implied. Delete the account.
Consumer complaint received 2018-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On my transunion consumer report. Theres a collection from a company called XXXX XXXX. Amount is {$110.00} the original collector is XXXX XXXX XXXX. Even though this debit is not legally mines. They credited this collection to a account. Which frontline no longer have this debt. Please remove immediately.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (PA)

I don't recall having a contractual relationship with this collection company CONTRACT CALLERS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

Hi there, I was very excited to get an American Express card. My dad always had one and I finally got approved. I checked my account like I do every week to pay off any charges, and I found my account closed. I received no physical mail or in-application notifications. They apparently said they sent me one email one month before but I have no record of it in my inbox. In my opinion, closing an account without notice ( Ive never had any late payments ) is a severe action that impacts my credit score. I have never had an account closed and I would have taken steps to prevent it if I had known. This is a predatory practice when all I was doing was making sure I had no balance to carry over each week.
Consumer complaint received 2023-06-19
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. (FL)

i experienced identity fraud and these inquiries are a result 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 2023-08-13
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)

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. 

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 2023-06-20
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. (WI)

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) 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.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2022-10-24
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: Experian Information Solutions Inc. (TX)

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

Account Name # XXXX Account Name # XXXX 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 XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ticket. It goes on my driving report for XXXX years. I have a copy of my XXXX XXXX which shows the citation. However, lexis nexis is showing this violation as a XXXX. I was not driving or in a car. There was no vehicle involved. The information they are sending to insurance companies is not accurate.
Consumer complaint received 2023-08-12
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: Avant Holding Company, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (PA)

I noticed that on XX/XX/2023 I had an inquiry from XXXX XXXX, I also have inquiries from Yamaha as well that I did not Inquire, also a open XXXX acct that I was contacted by debt collectors for.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I opened a Bank of America XXXX XXXX credit card on XX/XX/year>. I added the card to my online account and set up paperless statements but I am unable to make payments online due to what appears to be a Bank of America IT error. I contacted support twice, once via live chat and once via phone. The support associates said my issue would be resolved within XXXX days on both occasions but as of XX/XX/year> I am still unable to make payments online. The second time I called in the support associated refused to transfer me to an appropriate team that could resolve the issue claiming there was no escalation process for this.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

A line of credit was opened with Bank of America by some that used my social security number. I do not know where they came across this information. They went on to charge nearly {$20000.00} dollars over 4 purchases. I have never had a Bank of America Card, nor did I apply for one. I did contact Bank of American and they opened up a fraud case to dispute the opening of the card and the credit. Bank of America states that the card was opened on XX/XX/2022 and subsequent purchases were made shortly after that. I only became aware of the line of credit when I checked my credit score through XXXX and saw that my credit score had gone down, and that the Credit card was opened.
Consumer complaint received 2023-09-29
Product: Credit reporting 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. (OH)

I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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. (TX)

In accordance of the Fair Credit reporting act, this creditor, XXXX  XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. The dates include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand these late payments be removed in accordance of Law 15 USC 1681 section 604A section 2, or I will be forced to take legal action.
Consumer complaint received 2022-12-11
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 2023-06-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an an 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 conviction 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 the information is incorrect.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank ( Belk store card ) reduced my credit limit by 80 % with a XXXX balance on the card causing my credit score to drop significantly without justification. On XX/XX/XXXX synchrony bank caused my score to drop XXXX points because I wouldnt share with them my income. My account has been is great standing for 13 years with a XXXX balance currently.I havent used the card and overpaid them by XXXX. A year ago. I was advised that I can request a credit limit increase back to where it was. 2 days prior once I provided my income to them. This is financial bullying. My income hasnt changed and shouldnt have been an issue on an account in good standing. Once I gave them they immediately increased the limit back. This is abusive of them to cause an impact to my credit score because they want to be nosey. They never informed me that my income was a needed to maintain my higher limit. I have 2 cards with them and have no reason to muse the cards at this time. The last time I used the Belk card was at XXXX and the same income that was provided to them in XX/XX/XXXX is the same that I provided on XX/XX/XXXX. The credit limit reduction is and will cause an impact on my increased score and credit resulting in a negative impact for me and my other credit accounts
Consumer complaint received 2023-06-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected for erroneous reporting in my file are listed on my credit report 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 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I received a statement from XXXX XXXX Credit Card. I NEVER applied for this credit card. There is a {$1000.00} charge that I never charged on the card I did NOT apply for. XX/XX/23 XXXX XXXX XXXX XXXX XXXX NJ {$1000.00}.