davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX Capital One Bank, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated on XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number. 
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was XXXX that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from XXXX. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I requested validation on this alleged debt a day they continue to report it on my credit. I have not done or agreed to do any business with IC SYSTEMS nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is a direct and blatant violation of my rights under15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE IC SYSTEM ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) 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 report, 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 : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Law Attached for reference XXXX XXXX XXXX
Consumer complaint received 2024-02-19
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. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  XXXX - Account XXXX My parent has the same name as me XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX  XXXX - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

XXXX5 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.
Consumer complaint received 2022-04-22
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. (VA)

In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (NY)

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.
Consumer complaint received 2022-04-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I reached out and that's when I found out it was a medical bill and that is when I submitted information that I receive XXXX XXXX. I submitted proof. I have been under XXXX XXXX  all my life. I don't know this company that is asking me for some monies. I keep disputing these actions and equifax is just asking them is the info correct. Noone is running the proof sent by me to see the corrections that should be made here. Equifax is poorly judging this dispute. This company reported the same amount after I disputed it the first time with a different date. This is not right. It's a lie.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was told by an agent over the phone at Capital One that they had a promotional upgrade and if I upgraded my card I would get 12 months interest free. I asked the agent several times and in several ways if this works interest free also applied to the balance I already had and was told yes. I got my bill after upgrading and realized I had interest on the bill. I called and escalated the situation and asked for the calls to be reviewed and honor what I was told. After admitting that I was given the wrong information they said there was nothing that the are going to do. I told them to cut my card off. The proceed to bill me and accumulate interest in a " interest free card ''. Now they are trying to sue me in small claims court. They think because they are a big corporation that they can commit false advertising and not have to own up to it and now have the nerve to try an sue me. I am going to fight this all the way.
Consumer complaint received 2022-04-22
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. (OH)

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

15 U.S.C 1681 Section 604 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 2022-04-22
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. (NJ)

Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights.

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC (IN)

Hello, I have a debt with Med-1 solutions and I have been deceived. I was told by my account respresentative on XXXX/XXXX/2015 that there were no derogatory remarks on my account at the present, but if I did not pay then there would be. I then asked the representative if I could make payments to the account in order to keep remarks off my credit. She stated that she could do that. So I made a payment of {$100.00} and have been doing so at the same time every month for for 5 months. Again, this was under the agreement that my account would stay in collections, but not be reported to my credit report. The original amount due was {$870.00} and it is now {$370.00}. Today XXXX/XXXX/2015, I decided to check my credit and I see that Med-1 Solutions has reported the debt to my credit report even though we had an agreement that they would not do so. I called Med-1 Solutions and was told that there was nothing they could do to remove it unless it was reported in error. I was also told that as long as the account still had a balance that it was eligible to go to collections at any time. This is where the problem comes in. I was NEVER told this. NEVER. Obviously I care about my credit. If I did not then I would not be making monthly payments to them. Had I been informed on XXXX/XXXX/2015 when I made my first payment that there was still a potential for this debt to be reported to my credit report then I would have figured out another way to get it paid faster. I am not sure what is at stake for the account representatives when they collect money from consumers, but I feel as if she was not forthcoming to the point of deceiving me to believe that my account would stay out of collections as long as I was paying every month. I understand that the company will not remove the mark on my credit unless it is made in error. However, I do feel as it was in error. I was lied to in order for someone to take a payment. Additionally, I have not received any communication, or an updated bill since I started paying on XXXX.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We were forced to sell our home of 20 years after Wells Fargo falsely filed for Foreclosure after we had a signed agreement with them for, a Loan Modification following a XXXX, granting us a 3 month grace period to recover, then they filed foreclosure on us on the 4th month for non-payment. Up until then, we had never missed or been late on a payment in 20 years! All legal efforts to fight them after thousands in court fees, had to stop after we could no longer afford the legal fees anymore. We were forced to short sell for thousands less than we could have normally made during a regular sale. They are Crooks and ruined our lives after we did nothing wrong but endure a XXXX!
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I had two small transactions that went through my account on & Truist gave me {$72.00} in fees. I called in XX/XX/22 at XXXX & spoke to a rude, uncaring rep named XXXX who was no help with the fees. He refused to get me a supervisor twice as I asked. Then, didnt give me a phone number to where the supervisor would call me back. This is a new business account for me. If this is the way Truist does business, Ill be laying this balance & closing my account asap. I have a credit union account & this is never an issue with them. I want to speak to a corporate office rep before I go on digital media to let others know how Truist treats its customers & to news media if needed. 
I even went in the branch today off XXXX XXXX with a rep. She was no help.
Consumer complaint received 2015-03-24
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SLM CORPORATION (MD)

I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of this matter.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NC)

Fortiva was paid off XX/XX/2020. I set up a draft for biweekly payments of {$32.00} I never received any communication that there was a problem with the transactions and did not know anything was a problem until It ended up with collections. I tried to talk to fortiva and they said take it up with the debt collection write off company and that company could not verify my payments. This should be illegal. Credit card companies are doing this all the time. It is not right!
Consumer complaint received 2022-04-22
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: Bull City Financial Solutions, Inc (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. My report is showing I have a past due balance of {$1500.00} with Bull City Financial, account number is XXXX. I never done business with this company. This company does not have a contract with my signature
Consumer complaint received 2024-03-11
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. (IL)

Hello, My name is XXXX XXXX, and I'm reaching out to file a complaint regarding ongoing identity theft incidents. This is the third time I've filed a claim, and unfortunately, there has been no action taken. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. I believe that my rights as a consumer are being violated. As the victim in this situation, I'm feeling frustrated by the lack of assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will have no choice but to pursue legal action.
Consumer complaint received 2022-04-22
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX from 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 an account without my written instructions.