davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX has been reporting a charge off on my credit report which has an adverse affect on my life because it is making it difficult for me to acquire future credit. XXXX and XXXX has removed the account from the report but XXXX hasn't complied. According to the Fair Credit Reporting Act XXXX XXXX section XXXX a states '' There is a need to insure that consumer reporting agencies exercise their graveresponsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. '' XXXX 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. '' CAPITAL ONE is a financial institution by definition under that title. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. CAPITAL ONE is a financial institution by definition under that title.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the FCRA 15 USC 1681section 602a states " There is a need to insure that a consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies and I " am the consumer.I have the right to make my private information isn't being 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 information '' XXXX acct # XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2states 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 acct # XXXX the financial institution and the consumer reporting agencies XXXX, XXXX, and Transition 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, and Transition XXXX acct # XXXX wether 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 acct 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 od 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 USC 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 USC 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 purpose listed under section 1681b of this title. " XXXX, XXXX, and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt outa at any time. " I ' am opting out of your reporting services. ''
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX, I disputed this credit card issued by XXXX XXXX XXXX XXXX. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX  and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through transunion, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with Transunion, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within 20 calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. Transunion stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal company.
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (AR)

I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths that the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease collection of this alleged dept which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through US mail. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Consumer complaint received 2018-06-10
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. (MO)

I been a victim of fraud / the Equifax breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I VISITED XXXX XXXX IN XXXX, ARIZONA ON XXXX XX/XX/XXXX AT AN XXXX XXXX XXXX FOR A XXXX, WAS SEEN GIVEN A XXXX XXXX AND ULTIMATELY DIAGNOSED WITH XXXX. I AM COVERED BY XXXX XXXX AND AS XXXX  XXXX IS A COVERED PROVIDER, MY RESPONSIBILTY WAS ONLY FOR A {$37.00} COPAY. I RECEIVED EMAIL CORRESPONDENCE FROM XXXX XXXX ON XX/XX/XXXX INFORMING ME THERE WAS AN ISSUE WITH MY INSURANCE AND A REQUEST TO UPDATE IT. I FOLLOWED UP AND UPDATED MY INSURANCE CARD WITH XXXX XXXX LATER THAT DAY. XXXX CAME AND WAS SENT AM EMAIL FROM XXXX XXXX THAT THEY WOULD BE CHARGING ME FOR THE VISIT. I CALLED AND SPOKE TO THEIR BILLING DEPARTMENT AND TOLD THEM IT NEEDED TO BE RESUBMITTED TO INSURANCE AND WAS TOLD THEY DON'T DO THAT AND WHEN I ASKED TO SPEAK TO A SUPERVISOR WAS DENIED THE OPPORTUNITY TO ESCALATE THE ISSUE. CALLED MY BANK ON XX/XX/XXXX AFTER CARBON HEALTH TRIED TO CHARGE MY CREDIT CARD AND A FRAUD ALERT WAS ISSUED AND TOLD MY BANK XXXX XXXX DID NOT HAVE MY AUTHORIZATION TO CHARGE MY CARD. USAA ADVISED ME TO ISSUE A STOP PAYMENT ON THE ACCOUNT FOR XXXX XXXX THE STOP PAYMENT WAS ISSUED ON XXXX XXXX, HOWEVER XXXX XXXX WAS GIVEN MY NEW CARD NUMBER BY MY BACK, USAA AND SUBMITTED THE CHARGE AGAIN ON XX/XX/XXXX AND USAA ALLOWED THE CHARGE TO MY ACCOUNT. I HAVE CALLED USAA AND XXXX XXXX MULTIPLE TIMES AND USAA HAS REVIEWED THE CASE TWICE AND DENIED MY APPEAL. CARBON HEALTH CAN NOT ASSIST AS THEY CAN'T EVER GET ME TO A SUPERVISOR IN THEIR BILLING DEPARTMENT. I HAVE ASKED THAT MY STOP PAYMENT AND THE FRAUDULENT CHARGE BE REVERSED AND USAA CONTINUES TO STAND WITH THE MERCHANT AND NOT THEIR MEMBER.
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (IN)

I believe XXXX Kia was negligent in their responsibilities for not giving me full disclosure of my sales agreement with them. I am missing an important page in my agreement that will give me full disclosure of the contract and it was withheld either negligently or purposely either way it is a violation.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid off a car loan with this company in XX/XX/2021. It is still showing as " in repossession '' on my credit report. I've written them a goodwill letter asking them to update the status to reflect a " PAID '' trade or delete the account in its entirety and they have thus far refused to either. This is grossly affecting my ability to obtain new financing. 

This is also the same company in my previous complaint, that is in breach of contract by routinely mis-applying " on time '' principal and interest payments. 

Lets be clear, in reference to the previous loan, they sold me a lemon ( had the car less then three months ) and they have kept my down payment, all of the bi-weekly P & I payments that I made, took the car back ( auctioned it off ) and I STILL paid off a {$5000.00} deficient balance because they way overcharged me for the car in the first place. They made their money. I paid off the loan. 

I just want the repossession status gone, or the account deleted in all fairness.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit reporting act XXXX  15 USC 1681 Section 602 states that I have the rights to privacy. 

15 USC 1681 SECTION 604 A section 2 : 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 a purpose.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MO)

According to the Credit Repair Organization Act, businesses are not able to charge for credit repair services until they have been rendered. This business has charged be for 7 months, approx {$900.00}, with no ability to show actual services rendered. They say they are sending repair request letters, however some of the things that need to be repaired are incredibly simple items that I was eventually able to solve on my own with a simple stock letter from XXXX. And I have my account set up to receive alerts when disputes are returned. And I have not received dispute resolutions from my creditors, which means no letters have been sent out. This is blatant fraud, and illegal according to the CROA. 

I have tried multiple times to cancel with the company and they keep charging me. I have called and cancelled over the phone and sent letters through the mail, as is stated in the agreement in how to cancel. But they simply say that they never received the letters. This company is blatantly committing predatory fraud. If you do start doing business with them, the only way to stop is to cancel/change your card so they can't keep charging you.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Dear Consumer Financial Protection Bureau, I am reaching out to report a concerning experience I am currently having with Portfolio Recovery Associates. They have been repeatedly contacting me at various times throughout the day, demanding payment on a debt that I do not recognize or believe to be mine. This persistent contact has become harassing in nature and is causing me significant distress. 

I have requested that Portfolio Recovery Associates provide documentation to validate their claim, specifically : 1. A purchase agreement showing their ownership of the alleged debt.

2. Supporting account documents that verify the debts legitimacy and my association with it. 

Despite my requests, I have not received any documents that substantiate their claim, nor have they ceased their collection efforts. I am concerned about the legality of their actions and their lack of response to my request for proper verification. 

I kindly ask for your assistance in addressing this matter to ensure that Portfolio Recovery Associates complies with regulations and that my rights as a consumer are protected. 

Thank you for your time and support in resolving this issue.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AZ)

Please re open a previously closed complaint # XXXX. 

Theie response is not accurate and has not been vetted. I have been and currently am a solid and loyal customer of XXXX for over 12 years now. I pay {$300.00} every month for 4 phone lines. This makes absolutely no sense to open an account for a month then turn around and not pay it off. They can check my name in their system and it will show this same information. 

As a matter of fact My XXXX YEAR OLD daughter was at the mall XXXX shopping without me and decided to ask the kid working at XXXX how to upgrade her phone. The kid working at XXXX told her she just needed to pay a fee upfront and sign her father 's name which is XXXX. The XXXX rep did not ask for any ID AND LET MY XXXX YEAR OLD DAUGHTER UPGRADE A PHONE I JUST FINISHED PAYING OFF TO THE NEW XXXX XXXX. Now I'm stuck paying on a new phone XXXX again for the next 2 years. XXXX OBVIOUSLY HAS People working there doing shady /unfair and illegal transactions just to make a sale. They can pull their video tapes and check. 

THIS GOES TO SHOW HOW XXXX ONLY CARES ABOUT MAKING MONEY AND Doesn't check IDs I presume this is what happened in 2016 when someone used my information at XXXX and now I'm being penalized for a debt I did not create. This makes absolutely no sense at ALL why would I get a phone and text myself ... There are only 4 of us in my home and ive been paying for 4 phones for years.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 supposed to modify accounts that aren't reporting correctly.

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 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank on XX/XX/XXXX put my bank account into closure for " risk mitigation ''. At this moment in time I was running a campaign across the country in XXXX XXXX California. 
I was able to take money out the ATM through a tedious process until XX/XX/XXXX, they lied and said my bank card was deactivated and I could no longer take money out the ATM. 

Their decision to do this forced me to not be able to continue running my campaign and paying my contractors. 

This also forced me and my team into homelessness because we had no access to money unless we went into a fifth Third Bank which is nowhere close to XXXX XXXX CA. 

On XX/XX/XXXX fifth third bank sent a cashier 's check to my home in north Carolina that was the final amount in my account. 

I borrowed money from my family in order to make it back home. 

On XX/XX/XXXX I took the check to a fifth third bank in XXXX north Carolina and they refused to cash it, even though it was a fifth third cashier 's check. They told me I could sign it over to my aunt and they would allow it to be cashed, then the teller at the branch refused to cash it. 

We then took the check to the local credit union to cash, in my aunt 's account because I had already signed it over to her, which fifth third bank refused to honor because I did not verify who I was before the check could get verified and put my aunt 's account into negative {$2500.00} I then continued my mobile deposit on XX/XX/XXXX with XXXX XXXX XXXX XXXX and while on the phone with them verified myself and the check and fifth third bank honored the check. 

Then on XX/XX/XXXX, that following Friday fifth third sent an email to XXXX XXXX XXXX XXXX to not honor the check which put my account in the negative {$1600.00}.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-27
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. (MI)

XXXX is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.
Consumer complaint received 2023-09-27
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)

XXXX is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.
Consumer complaint received 2023-09-27
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. (CA)

Hello, my name is XXXX XXXX and on this date XXXX, I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - states that it governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.