davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # 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.
Consumer complaint received 2024-02-16
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. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (SC)

National Credit System have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; National Credit System is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # 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.
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (NC)

Acima closed the complaint with CFPB without addressing the prior disputes of Privacy Policy Notice along with Truth and Lending disclosures. This Consumer Transaction falls under Truth and Lending due to the products being leased by Acima and Disclosures are required by law. Acima only responded with payment history along with the Lease Agreement which is clearly not the disclosures that I request. The failure from this Company to provide information that by law they should have and that I'm entitled too constitutes to Practices for Deception and Unfairness. I have disputed this matter 3 times directly and 8 times through XXXX totaling 11 disputes with no results. If Resolution is not met and Acima not willing to provide Disclosures Legal action will be sought.
Consumer complaint received 2022-05-23
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. (GA)

Im accordance with the fair credit Reporting act XXXX Account number # XXXX XXXX  XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX has violated my right 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 2022-05-23
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: CREDIT ACCEPTANCE CORPORATION (TX)

XX/XX/2020 I was diagnosed with a XXXX XXXX XXXX which caused me to miss work and lose pay. XXXX and XX/XX/2020 I missed payments because of this however I certainly had covid before it was announced. I have reached out to the ceo of credit acceptance multiple times. I have disputed these late payments multiple times to get this resolved. No responses.
Consumer complaint received 2022-05-23
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. (MN)

The following credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Small Business AdministrationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of the credit inquiries are fraudulent, unauthorized and not mine. I have sent numerous Federal Trade Commission Identity Theft Reports to Experian, XXXX and XXXX XXXX. The Federal Trade Commission had opened up an investigation on Experian, XXXX and XXXX XXXX for not deleting and removing all the fraudulent inquiries listed on my Experian, XXXX and XXXX XXXX credit report.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have disputed many times with LVNV funding that I have no legal binding contract with them. This corporation keeps acting in fraud and damaging my credit report for a debt which is not owed nor that I have a legal binding contract with them. Where is my signature showing I have any agreement with LVNV funding? This is fraud and it must be removed from the report promptly. LVNV Funding can't show mrea legal binding contract with my signature showing I am responsible to pay them a debt.
Consumer complaint received 2019-07-29
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. (IL)

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.
Consumer complaint received 2022-05-23
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: CREDIT ACCEPTANCE CORPORATION (PA)

In accordance with the Fair Credit Reporting act Credit Acceptance Corporation account number # 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.
Consumer complaint received 2022-05-23
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. (FL)

I have disputed many times that it is past the legal time to continue to be reported on my report. In addition, the loans are discharged and I have consistently disputed with the Bureaus in order to get the loans removed from my credit file. They are clearly operating in fraud. These accounts must be removed from my credit file.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.
Consumer complaint received 2022-12-16
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. (CA)

I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and XXXX data breaches. I filed a claim with XXXX and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXXXXXX XXXX XXXX {$10000.00XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$120.00}
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc. (AZ)

I called this company XXXX XXXX XXXX due to receiving a garnishment. Once I got nowhere with the agent I asked to speak with a manger and I was very upset, I agent laughed at me and never transferred me to a supervisor after I asked him repeatedly.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

XX/XX/XXXX, XXXX sent a message to MOHELA asking that my recertification date be pushed back one year, as per the department of education guidance that says recertification within the first six months of payments restarting would be pushed back a year. Based on the letter I received in XX/XX/XXXX stating a XX/XX/XXXX recertification deadline AND a XX/XX/XXXX anniversary date in my student data download. 

XX/XX/XXXX, XXXX submitted a complaint to XXXX XX/XX/XXXX, XXXX I received communication from MOHELA that my question could only be addressed by phone. 

XX/XX/XXXX, XXXX attempted to call MOHELA for a resolution. The first agent told me my date was XX/XX/XXXX and should be pushed back. She connected me to another agent who said that all previous communication was correct ( I have a letter that says my recertification date is XX/XX/XXXX ). The agent then said that my date was changed to XX/XX/XXXX based on information from the Department of Education. She also said the information from XXXX document wasnt correct because they werent my loan servicer. 

On XX/XX/XXXX, I tried to update my FSA Complaint to the Ombudsman via the web, but this option is no longer available. I tried to do this via phone, and after getting through the phone tree, they said they were experiencing a high call volume and hung up.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I had a double payment taken out of my checking account after I went into Bank of America 's website and changed my payment schedule to skip a couple of months as it seemed like I was 4-5 months ahead on my payments. Instead of skipping a payment they double charged me. They charged me on XX/XX/23 for {$1000.00} and again on XX/XX/23 for {$1000.00}. After I called and was told that they would credit the {$2000.00} amount ( Confirmation # XXXX ) they never credited my account and my XXXX statement doesn't show the two charges. So I called customer service again, and this time I was told that they have to mail me a check, and that typically takes at least 14 days. Well, it's been over that and I still don't have that to replenish my account the double payment they took out!
Consumer complaint received 2022-05-23
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. (FL)

I have disputed many times that it is past the legal time to continue to be reported on my report. In addition, the loans are discharged and I have consistently disputed with the Bureaus in order to get the loans removed from my credit file. They are clearly operating in fraud. These accounts must be removed from my credit file.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of the accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604A, 2 states consumer reporting agencies can not furnish an account without my express written instructions and permission.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

At this time, as in all other times, TransUnion has once again, blocked me from obtaining access to the information that they have on me. I continue to get my attempts denied. I have changed my passwords over and over and over again, and TransUnion continues to change my password, or deactivate it. When presenting me with a number to call, that number always leads to a person with a language barrier to English only to result in that person placing me on hold only to hang up. When a person honestly gets your explaining narrative wrong, and you have to respectfully repeat yourself, that is counterproductive. As a result of this, TransUnion blocks me from obtaining a free annual report, and accessing the information so that I can submit disputes. I am attempting to file a dispute against XXXX XXXX for fraud, and I can not do that unless TransUnion allows me unfettered access to the information.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My attorney sent subpoena for bank records for these accounts and bank stated unable to locate records. As these accounts were accessed in XXXX of XXXX, how could they loose records in less than a year of which required to keep? Again Wells Fargo declares bank records as lost, cant locate, missing from bank - when was this a thing or acceptable? Are they under any regulations? The subpoena for records was on XX/XX/XXXX and 4.5 months later, they also do not respond within 14 days, they also require you give the account numbers one by one versus locate under account owner social security number or TIN - its painful and they dont comply nor transparent.
Consumer complaint received 2018-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (GA)

I called arstrat phone # XXXX because I got a bill from them in my name as the responsible party for another person. I have no children. They advised I had to pay it because was my insurance I advised party involved is not a minor and is an adult the amount owed would be collected from responsible parties being the persons name, not I. The stated that I would have to pay because they have me listed as so. I explained again I am not responsible for that other parties debt. They advised that I go and get the monies from them to pay the bill. This is not my job and I am not going to do that I do not want this company sending me any more letters or calling my phone. I am not the responsible party!!!!!
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act ( Below Accounts ) Has violated my rights. 
1. XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX : XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX 6. XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX [ Inquiries ] 7. XXXX XXXX XXXX : XX/XX/XXXX [ Inquiry ] 8. XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX [ Inquiry ] 9. XXXX : XX/XX/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 an account without my written consent/instructions.
Consumer complaint received 2024-02-16
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. (NY)

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 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  and 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 2018-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.