davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hello, my name is XXXX XXXX and I am reaching out to you to help me with my Experian credit report. I am a natural person, and I have proof that Experian has violated my rights by allowing this negative account to report on my credit report. 
In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account name : XXXX XXXX XXXXXXXX, account number : 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 reporting agency can not furnish 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section-2 ( A ) ( 1 ) A person ( CRA ) shall not furnish any information relating to any consumer reporting agency if the person ( CRA ) knows or has reasonable cause to believe that the information was inaccurate.

Also, this collection is only reporting to my EXPERIAN credit report ONLY, as of 09.22.2022. It's not the same across the 3 bureaus, i will attach my credit reports and screenshots of my scores as well. I have no knowledge of this account and it is making my reputation look bad and not trustworthy. I have sent letters asking and demanding Experian investigate this account and remove it but have not gotten any response from them, so I had to file a complaint with you.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. In my research on how to remove fraudulent inquiries from my report, I discovered the necessity to visit the FEDERAL TRADE COMMISSION or https : XXXX to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Attached are documents to facilitate the blocking of erroneous information currently posted on my report. The following inquiries, which do not belong to me or were opened without my permission, require your attention : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in the file of a consumer identified as resulting from alleged identity theft, not later than four business days after the date of receipt.
Consumer complaint received 2022-11-11
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. (TX)

XXXX XXXX XXXX is reporting negative items to XXXX, TRANSUNION, XXXX also violated laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Consumer complaint received 2023-11-11
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2022-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I contacted Midland Credit Management after being served with papers in XXXX for a XXXX XXXX account that is not mine. First the card is in a partial name which I have never gone by since it is not my legal name and secondly I have not resided at the address given. At that time I also was told that I was served with papers for an XXXX home account which is also for that same address. I asked for verification if the debts I received a statement fir the XXXX but nothing for the XXXX account. I asked for a copy of the application which has not been provided. Neither if these accounts are mine and they need to be removed. I spoke with them again today with no resolution.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

RE : Bank of America XXXX ID # XXXX I filed the above reference claim with BofA aafter someone created a XXXX XXXX Account in my name and stole {$2400.00} on XX/XX/2021. The transaction was made on XX/XX/2021, and it appears that it was posted on XX/XX/XXXX. I filed the report as soon as I saw this large transaction. Coincidentally, I also had a large deposit on the same day as the transaction. That was my paycheck deposit and was completely separate from the fraudulent transaction. 

Apparently a few days earlier there was a transaction for {$5.00} on XX/XX/XXXX. I do not know if I saw that transaction or not but I certainly did not recognize it as a fraudulent transition. There were XXXX or XXXX other small dollar debit charges on the same day and I apparently did not see this charge among the others. 

Attached is a copy of the police report I filed with the XXXX Police Department. 

Bank of America responded that they were unable to approve the claim because " the charge was authorized by you or someone who has permission to use the card of the account. '' I did not authorize anyone. It clearly was not someone I know. 

I asked BofA for any documents they relied upon to make this decision, but they refused to give me any
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than seven years.15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
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: ENCORE CAPITAL GROUP INC. (OH)

I have attempted to handle this with XXXX XXXX several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against BANK OF AMERICA CORP ( BOA ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, BOA has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting BOA directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that BOA promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (IL)

on XX/XX/2024 while at my boyfriends house, precision recovery repossession company trespassed onto private property, pretty much drug the car throught the XXXX driveway, leaving grease stains and the gravel all dug up, as well as side swiping the garage of my boyfriends. never knocked or anything. this wasnt at my home it was at my boyfriends. they illegally came onto publicly marked private property and drug my car out of the driveway damaging the gravel and garage in the process, as well as leaving broken glass all by the garage. they unlawfully repo the car and took it an hour away where they held it for the next 25 days. I tried to get to the place to get all my personal belongings but i have no vehicle and no family to get their. I had a lot of items in the vehicle as i wasnt planning for it to get stolen off of private propertyl. i also have an intoxalock breathalizer device installed in the car which costs over {$3000.00} and had all my dna and biometric information stored on it. i had my prescibed medicine in the vehicle my birth certificate and other sensitive documents. this company did an UNLAWFUL REPOSSESSION by breaching the peace and breaking onto private property and stealing my car all while physically damaging someone's property. This company should be punished for using illegal measures to get a vehicle. i have not recovered anything that was in my car. 

**The only reason i quit paying on the auto loan was because i received a notice saying that someone that worked for cfpb and santander usa/chrysler capital sent my personal information and auto loan details to their personal email account. i was sent a letter from the cfpb department notifying me of this. chrysler capital never notified me of this breach of my information. i became very scared to give out any of my account information anymore and i was preparing to sue chrysler capital for the enormous breach of my sensitive personal information. i should be given the car back. i paid on it regulary for almost XXXX y ears. i have paid the value of the car almost entirely. not only was my information handled extremely poorly by this company, then they take illegal measures to get the car back to the point of breaking onto private party and causing property damage to an innocent individuals driveway and garage. **
Consumer complaint received 2023-07-22
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. (MI)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX Bank '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX Bank or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX XXXX XXXX XXXX - I have disputed this successfully with both XXXX and Experian ; however, for some reason they are still on my Trans Union report . I have no clue why they would bill me for two separate instances two years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my medicaid. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of three to six months to collect debt privately and this debt was accquired by XXXX XXXX XXXX XXXX XXXX Nevada on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
Consumer complaint received 2024-04-02
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. (PA)

I have attached my documentation disputuing the accuracy of the XXXX XXXX XXXX account listed on my Equifax. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX  of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. If the information can not be verified by federal law it must be removed.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (FL)

Myself and my mother received a call claiming to be XXXX XXXX stating they were trying to serve me papers for something. On my voicemail he left an address that I've never lived at. So I call XXXX and the man who answered asked for the reference number which I gave XXXX and he asked if this was XXXX and I said yes and I said not sure why you are calling and harassing me and my parents. He started screaming at me saying if you want to see harassment you got it and said I will see you in court and hung up on me. I called back and he started screaming at me again so I am not here making a complaint on this company.
Consumer complaint received 2023-04-28
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

I have already filed one complaint about the lack of communication with ED financial when trying to request a refund from my payments made from XX/XX/2020 until now. I originally requested the refund for ALL payments that were made from XX/XX/2020 until now on XXXX. I was ensured this would include payments that were made though XXXX before my servicer was changed to ED Financial. I wanted to be sure all of my payments would get refunded between both loan service providers. As of Today XXXX I checked my account balance and it does reflect my refund but only for the payments I made with ED Financial. The request was supposed to be a refund for all payments that were made through XXXX and ED financial. I then chatted with a customer service representative through ED financial and did notice they made a mistake and would have to review this request again? This should have been done initially, now I am going to have to wait even longer for something that should have been finished and completed.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NM)

Good morning, As I explained in a fax ( sent on XX/XX/XXXX to the collecting company : XXXX XXXX because of the purchase of some XXXX  made on Saturday XX/XX/XXXX at the JCPenney stores, it was not made by me. In other words, I didn't buy anything that day at these stores.

According to the details, the purchase was made with a JCPenney credit card, but I don't have a credit card with them, so I couldn't pay using their card. 
I have never received a card from this company since I reside in New Mexico. Therefore, it is possible that someone used my identity to make me pay for this purchase. 

I reiterate that I have never had a JCPenney credit card. The last purchase I made in these stores was on XX/XX/2019 for {$38.00} and I paid for it with the only credit card I had at the time ( XXXX  ). The purchase on Saturday XX/XX/XXXX is a ghost purchase. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 Simple # 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 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 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

It has come to my attention that Capital One abruptly terminated five of my credit cards without prior notice on XX/XX/XXXX. When I contacted them on XX/XX/XXXX, seeking an explanation, I was provided with a vague excuse stating that the cards were not being used in accordance with the credit card agreement. However, upon further investigation, it was discovered that there were over twenty returned payments on the account. 

I subsequently informed Capital One that I had requested the automatic payments to be stopped back in XXXX, as my wallet and phone had been stolen. During that call, which unfortunately involved a language barrier between myself and the representative of XXXX  XXXX, I had also inquired whether the account was being closed due to fraud, to which I was allegedly informed affirmatively. Additionally, I was required to verify my salary during this call. 

Furthermore, on XX/XX/XXXX, Capital One deactivated the automatic payments, which ultimately led to the closure of the account. It appears that despite my efforts to comply with the terms of the cards by reporting the theft and requesting deactivation of the cards, the language barrier and subsequent failure to deactivate the cards in a timely manner resulted in charges accruing and damage to my account.