davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (CA)

recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( a ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer repost, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability foe willful noncompliance [ 15 U.S.C. 1681nl
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

XXXX is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent XXXX written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-11
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. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2023-07-11
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: Experian Information Solutions Inc. (FL)

The accounts below are being reported as open collection, past due, etc. These accounts are in valuation under FCRA compliance. 
This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report to my email. When the above collection is deleted and has been removed.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

I have been dealing with Portfolio Recovery Associates or is it PRA Group- either way it's the SAME I have attempted many times in the past to aquire updated status of the debt because it has been 'bought ' multiple times, I have shown up at the court house after having received 'court papers ' only to be told they couldn't find the docket number and didn't have me on the case booking. I have had a woman from the company repeatedly asking me to borrow money from people, family or friends, for that very phone call, telling me to 'try to borrow money from someone right now '. I asked repeatedly since to have updated paperwork mailed to me and haven't received anything yet, but now I have this company and the previous owning company 'verifying ownership ' of this one debt to the credit companies. They now call several times a week, even on weekends, some times every single day.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I refinanced an auto loan with Capital one in XXXX XXXXXX/XX/year>. They assumed the loan and then told me i had to go to my XXXX XXXX tax office to change the name on my title, and remove my company name. They made an appointment for XX/XX/year>, i went to the office in XXXX Texas and was told they don't accept anything like that, and XXXX XXXX Tax office does not make appointments. After several calls with Capital one, they do not have my title or have any idea here it is. I paid off the car in full in XX/XX/scrub>XXXX XXXX I would like Capital one to provide me with a title.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I paid off my entire balance on Monday. 

The payment posted, then the very next day, American Express said I owe them {$70.00} in fees! I paid everything! They just added fees even though I haven't used the card, so the {$70.00} isn't justified. 

I want that refunded and my balance should be {$0.00}.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citibank closed my Citi Costco account and told me it was because my Costco membership was expired. I verified with Costco that my membership was current, paid up for a year and active. I have been a loyal customer for over 10 years and my account is current and payments made on time or early. They closed the account and left it as open on their website and app showing available credit. I tried to use the card to buy groceries and it was declined. When I called, he told me it was closed even though their website shows it as opened and payments were current. This is deceptive financial practice and complete. Disregard for customer loyalty. I called and it was given false information by multiple representatives. This will now negatively affect my credit score, which I have worked hard to build up. Citibank is causing financial hardship for me even though I have been a good customer for many years.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (IN)

Account had been suspended, No notice of suspension. Needed to verify ID even thought account was verified via SSN. Been sent around with support for 3 weeks and issue has not been resolved. They said it was sent to a specialist that after a week had supposedly reached a resolution but no response. Support can not acces my case as only the specialist team can and they only use email. No response or resolution since XX/XX/XXXX.
Consumer complaint received 2023-07-23
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. (NY)

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 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 2023-05-31
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. (PA)

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 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 


has violated my rights. 




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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TX)

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : online information services I called and asked for the information they wouldnt tell me from who i got the information from my credit report my bills have been paid
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$32000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Consumer complaint received 2023-02-09
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. (MO)

This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP (IL)

My mom went to deposit XXXX into my account and the ATM sounded it like it ate the funds. My mom and I went into the bank and spoke with a banker by the name XXXX XXXX. She stated she filed a complaint but no copy of the dispute was not given.
Consumer complaint received 2024-02-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc. (TX)

Carmax alleged as the seller of this contract to be the lender but they are not. In fact Carmax has committed fraud in factum and securities fraud. The contract is the security that is being used to trade and was deposited into a financial institution which the banks has to transfer as banks only work as transfer agents which by lawful definition they transfer securities and deposit them. Carmax not only received a purchase money loan in which they kept for themselves but disguised it has if they loaned me this said money knowing they would sell this contract several times to investors by pooling it together with other consumer contracts and sold on the secondary market but not before transferring it through the treasury on the primary market so the government can pay out. This scheme has been well hidden from me but the account is tied to an investment that is find on the New York stock exchange under Carmax cusip number and my account number. This account has made millions while I have not been compensated for my investment. Furthermore the Federal Reserve Act specifically states that banks can only use notes, drafts, and bills as collateral so how is the contract listing my estate private property?
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (UT)

I sent my XXXX payment to Panorama Mortgage group LLC on XX/XX/XXXX. Since sending that payment the company has lost my payment and not applied it to my account. I have continued to receive letters stating I am in default when that is not the case. I provided Panorama mortgage group with proper documentation, They have just sent me a letter now claiming that we have no insurance on our home which is not the case we have a clear policy and they have not paid the policy. Every time I call to resolve the issue I am left more frustrated and upset then before.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-06-02
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: CITIBANK, N.A. (CA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.