davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

Experian has constantly violated my rights as a consumer to privacy Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Due to Experian not respecting my wishes, constantly denying me my rights as a Consumer it has cost me gravely and severely impacted the way I have been able to care for my family Not only are they false and misleading its also illegal
Consumer complaint received 2023-10-23
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. (NY)

I am writing to delete following items on my file. The items I need deleted are listed in the report. I am a victum to identity theft and I did not make this charge. I ask that these items to be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also enclosed copies of Federal Trades Commision Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reel Time Capital LLC (FL)

I have been contacted twice by 2 different Debt Collection agencies requesting I pay {$280.00} associated with a hot check written to " XXXX XXXX  '' ( now " Reel Time Capital LLC. '' ) account # XXXX. This check was written against a XXXX XXXX bank using my name. I have never banked with XXXX XXXX. This imposter allegedly also used my SSN according to the Debt Collection agency, which is XXXX XXXX XXXX XXXX. According to the Debt Collection agency, this imposter also used this email address " XXXX '' with their transaction -- which is not an email account I have ever owned in my name or used. Furthermore, this imposter worked at a construction company ( can't recall the name they provided ) which I have also never worked at. 

This is not my debt and I refuse to pay the debt of someone using my name and SSN.

My understanding is this transaction took place sometime in 2014. The first time I am hearing of this matter was by being contacted by the 2 collection agencies. 

I have responded to both companies ( via phone when contacted ) confirming this is not my transaction and that I would be reporting this as fraud. I have email correspondence from the most recent discussions with XXXX XXXX to document the above, as well as attached herein.
Consumer complaint received 2021-11-06
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. (AL)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2023-08-09
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. (NV)

I'm a victim of Equifax data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Consumer complaint received 2023-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mother XXXX XXXX has a Bank of America Credit Card she is XXXX years who lives in PA and there is a charge from a XXXX XXXX XXXX in XXXX XXXX New York which she did not make charge and I did not make this charge. I never received that card. I did received the replacement card XXXX. I am an authorized user and her power of attorney. I live in Florida and never received a card for the account ending XXXX which I informed the Bank of America Representative XX/XX/23 the day I saw a fraud charge pending on account. I called when it was just pending because I saw it on the online banking when making a payment. It was for 2 separate pending charges of {$240.00} The amount was changed and the bank let the charge go on account anyway when they changed amount to {$220.00}. I Had to call Bank of America again since amount was changed to add to claim the {$220.00} to claim which made claim {$710.00}. The representative said this happens they let it go on account anyway sometimes when amount changed. That is totally ridiculous. This is not us I am XXXX and live in Florida never had a XXXX card. my mom doesn't travel she is XXXX. Someone unauthorized used this card and we want the money refunded to her account. 
Who did this and why is Bank of America not refunding this because this is stealing. Who's card was presented the bank doesn't even know name on card or who did just say its a charge back. Not a charge back This is fraud, theft or a scam. Get more information from Hotel Camera video of person, Driver License presented etc. We are willing to file a police report. 
How can they say it was done with card so its your charge WAS NOT AUTHORIZED FRAUD I don't know but we are not paying for someone else to stay at a nice hotel when we called immediately and it was definitely not our charge.. They just let it go on the account I want proof of who did this because it wasn't us. We want our money refunded immediately. This is very concerning how would you let a charge on your account you didn't do with out proof. We need proof of who they say made charge copy of signed sales receipt and id used. GET more information because if someone is using our information we need to be informed. Do your job as a responsible Bank for your loyal customers. We will need to know if someone is using our information get the facts. Please this is fraud and you don't want this to happen to you. Thanks XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Di ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-01-04
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN is reporting accounts on my consumer report with incomplete account information : XXXX XXXX This account type reads auto loan I never received a cash loan or any cash for this account. Delete this account due to inaccurate account type XXXX XXXX XXXX XXXX XXXXXXXX This account type reads auto loan I never received a cash loan or any cash for this account. Delete this account due to inaccurate account type. Please be aware that reporting information you have reason to believe is false is a direct violation of the FCRA and punishable by fine.
Consumer complaint received 2023-02-08
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. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I withdrew XXXX & I only receive XXXX I called cash app several time they decline claim I called the police because I felt like I was being rob I already been rob before when my brother was killed in front of me so it brings me memories because somebody always taking from me Bank of America stole form and they didnt do anything to help me I didnt receive a receipt I will appreciate if cameras were check.
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (AZ)

I have a collections account for equipment I did not return. I have returned the equipment now and got all my receipts showing that my account was paid in full before it was closed the only thing I owed was the return of equipment and now they are still trying to charge me for the equipment I returned.
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NET CREDIT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

My student loan payment was due on XX/XX/XXXX, and I made all necessary updates to my Advantage account to allow the payment to be drafted from my checking account on that date. I received an email on XX/XX/XXXX that my payment had been posted. I then receive an email on the XXXX that my student loan payment was past due. I logged into my Aidvantage account and see on the transaction history that a payment was received, then was reversed. I received no notification from Aidvantage or my bank that the payment had been reversed and Aidvantage 's website provided no explanation why. I had even submitted documentation before the XXXX to make sure my married name was on my Aidvantage account to match my bank account. I tried contacting Aidvantage through the chat on their site and just received a notification that they had too much volume and the chat would automatically close. I tried several times. I called them and went through the auto attendant trying to get to real person and had to give up after being on hold for half an hour. I contacted my bank and they said that no attempts had even been made on my account for that amount, and that any reversals would show. I confirmed that I had entered the correct bank account and routing number as well, but Aidvantage had not even tried to pull the money from my account. So now they are saying I am " past due '' and that I owe double my monthly payment now. I have resubmitted the payment on Aidvantage 's website but have zero faith it will actually go through. There are numerous reports on XXXX that others have experienced this exact same thing, where Aidvantage either consistently " reverses '' their payments or straight up will not allow them to be made.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NH)

I had been enrolled in an interest rate reduction program and had at least a year of eligibility left when all of a sudden I was informed that I was no longer eligible and that my payment was going up about $ 220/month.  When I called on XX/XX/19 to discuss why I was no longer eligible since my financial situation hadnt changed, I was informed that my co-signer ( my mother ) was credible and could help me pay. Now she had been my co-signer this whole time and it had been determined that since she is retired now and on a limited fixed income, that she could not help me. She is already providing child care for me to help me save some money. I dont know why she was all of a sudden considered able to help me. I had also attempted to refinance and no company would approve it since my co-signer is retired and on a fixed income.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXXXXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (CA)

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 : Acct # XXXX, XXXX Bank XXXX Acct # XXXXXXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # : 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.