davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative to ensure that consumer reporting agencies fulfill their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. XXXX and XXXX are recognized as consumer reporting agencies, and I, as the consumer, possess the inherent right to safeguard my private information, as supported by Section 6801 of Title 15 of the United States Code, which stipulates the Congress 's policy regarding financial institutions ' obligation to uphold customer privacy and confidentiality.

Under Section 604 ( a ) ( 2 ) of Title 15 USC 1681, a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the concerned consumer, thereby requiring explicit consent. Neither the financial institution ( referred to as " Furnisher of information to credit agencies '' ) nor the consumer reporting agencies, XXXX and XXXX, possess my consent to furnish my information, nor do they have my written authorization. 

Furthermore, Section 6802 ( b ) ( c ) emphasizes that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer an explanation of how they can exercise their right to nondisclosure. In this case, the financial institution failed to inform me of my nondisclosure option, as required by law.

Additionally, Section 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, unless authorized under subsection ( b ). The adverse item being reported without my consent violates this provision.

Moreover, Section 1681s2 ( A ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, while Section 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to permissible purposes. 

XXXX and XXXX 's actions indicate a failure to uphold reasonable procedures as required by law. Additionally, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of all credit reporting services, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I checked my credit report and contacted Equifax, XXXX to the unknown XXXX hard inquiries that was on my report, and everything was said to be deleted from my credit file rechecked credit file and XXXX inquiries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these companies can not show proof that I applied for credit with my signature with an application to their company this must be removed from my credit. This is violating my rights as a consumer, and I am having hardship with these inquires. on my report
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements. 
Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I XXXX XXXX Noticed XXXX XXXX accounts appearing on my credit reports XXXX. XXXX XXXX XXXX XXXX {$4500.00} XXXX. XXXX  XXXX XXXX {$590.00}
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2023-08-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LDF Holdings, LLC (AZ)

This debt was included in a XXXX XXXX that is currently being paid for, the company did not file a POC but the stay, per my attorney, has not been lifted. I did contact the company to advise of the BK and to stop contacting and direct any inquiries to my BK attorney and they are still contacting me.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Entrata Inc. (KY)

I have two evictions on my rental report that are false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. These inaccurate evictions i do believe were on or around the years XXXX and XXXX. I never went to court for these false evictions and i never was forced to move from the addresses the evictions were filed on. These inaccurate rental reports are illegal and need to be resolved immediately or i will be forced to take legal action against these companies
Consumer complaint received 2021-07-30
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (PA)

My name is 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 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (IL)

A Salesperson representing XXXX XXXXXXXX XXXX  solicited my home with enticements of Energy Savings, Tax Credits and Cashout for Home Improvements, etc. 
I bought into the offer. 
In XXXX of XXXX, I agreed to a loan amount of {$45000.00} which I signed via XXXX. 

Fall of XXXX the lender reniged the loan interest rates because of the rise rates ( which I understood was happening, however I agreed to pursue ) The installation happened until XX/XX/XXXX at which point the lender, XXXX, send me the loan docs to sign. 

I discovered that the Truth In Lending was GROSSLY INCORRECT. 
The Loan Amount Changed from $ XXXX to $ XXXX I did NOT sign the XXXX, contacted the lender immediately, yet they would NOT return my calls about the error. I emailed them to no avail. On XX/XX/XXXX I Signed the " Cancelation Notice '' found in the packet of docs and emailed it AND mailed ( per its instructions ) it to CANCEL. 

I followed up to check status and was given an email to do so. Today the customer service emailed me saying that it was TOO LATE. 

There are some other conversations and banters that happened with the XXXX XXXXXXXX XXXX Sales reps whereby they threatened to place a lien on my house. I am a recent widow and this company misrepresented and took advantage of a grieving widow.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/, Transunion was contacted regarding a dispute. I advised they were in violation of 15 USC 1681 ( b ) and Section 609 ( a ) ( 1 ) ( A ) of the FCRA. On XX/XX/, I asked XXXX to re-investigate and to provide all documents with my written consent to report any information 15 USC 1681b ( 2 ) and their method of verification15 USC 1681. They did not provide their method of investigation and they did not accurately verify the information that is listed on the report. I provided a driver 's license to show the true name. I also advised them of 15 USC 1681 ( 4 ) to exercise their grave responsibility with fairness and impartiality. They did not do so. I also advised on the Gramm Leach -Bliley Act regarding my privacy. They list these creditors as public information. The only public information is if there is bankruptcy and criminal charges. They are in violation of 18 USC 894. They have a negligence and a willful non-compliance. I also advised them on my copyrights to all variations of my name with the recording number in my state along with my fee schedule for violating and injuring me. The send me back a letter stated they are unable to process because they do not know the nature of my request. The letter/affidavit specifically stated to re-investigate.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

- The FTC site says that I can go to XXXX to download my credit reports from XXXX, Experian, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report. 
- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX?
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (MN)

I applied for and received a US Bank Platinum Visa credit card for the sole purpose of transferring higher rate balances to a 0 % interest rate for 18 months. I was approved with a credit limit of {$15000.00}. I successfully transferred {$10000.00} balance to this card and attempted multiple times to transfer {$4200.00} and {$5000.00} amounts to this card and both were denied due to " insufficient funds ''. I received these notices in the mail. I finally called US Bank today and they told me I was only able to transfer 92 % of my total available credit. This information is nowhere to be found on-line or in my statements. They informed me that the information was in my credit agreement but could not tell me where it states that information. I have never heard of this stipulation and certainly wasn't aware of it when applying for this credit card. I will be reviewing my credit agreement once I receive it in the mail, which they said will take 10 days. In addition to not being able to show me where this information/rule is stated, they were very rude about it. I'm disappointed as this has been my primary bank for over 10 years. The poor customer service is one thing, but being misleading about this balance transfer offer is unacceptable. Even when going through the on-line process of a balance transfer, nowhere does it indicate that only a portion of my available credit can be transferred. It actually states that up to my credit limit can be transferred.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (NC)

We took the car to XXXX XXXX XXXX for them to buy the car. The sent in a check to JPM chase company. They lost the check. Thats the month of XXXX. So for XXXX they said it was a late payment. Then XXXX sent in another check. They didnt cash the check until the first week of XXXX. I called and complained. Told them they are ruining my credit. They said it was all their fault and it was taking them a while to process the checks. So for 3 months they said I was late on the payment. Which I wasnt. I didnt even have the car. They also just sent me a check for over payment. So the account is closed. I sent in a complaint to XXXX. My credit is being reflected negatively. I cant buy anything right now. So I need this fixed.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

These are not my accounts I have no obligation to pay these debts. i sent a debt validation request to the debt collector called Midland Funding LLC for both accounts on XX/XX/2021 to validate the these debts and you received it on XX/XX/2021 certified mail and return receipt see attached so you have 30 days since you received it to respond and validate these accounts under the FDCPA and FCRA you are in violation since you failed to answer me that means you couldnt validate these are indeed my debts and you couldnt prove that I have any obligation to pay these debts so you must cease all collection effort and desist any future communication with me.Remove these negative items from my credit report immediately
Consumer complaint received 2021-08-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (GA)

I XXXX XXXX on XX/XX/2021 as the original creditor initiated a consumer credit transaction with Wells Fargo Auto using my credit card. A finance charge arose with this transaction. As the original creditor, I required that my insurance be included in my finance charge, but Wells Fargo Auto refused to include my insurance in the finance charge. The finance charge is the sum of all charges including insurance. This is a violation of the Truth in Lending Act. 
As a consumer, I have the right to opt-out and pursuant to 15 usc 6802, Wells Fargo Auto was required to notify me of this right. They have failed to supply me with the proper information or steps to opt-out. They are willfully and falsely reporting inaccurate information to credit reporting agencies. I am not listed as the original creditor, the finance charge is inaccurate and wrong by more than {$100.00}, amongst many more violations. 
As a consumer, I also have the right to rescission pursuant to 15 usc 1635. Pursuant to this subchapter, Wells Fargo Auto was supposed to disclose to me this right and provide me with the necessary documents for this process. Failure to do so results in being held civilly liable for double the amount of the finance charge and any actual damages. 
Not only has Wells Fargo Auto been deceitful and abuse me as a consumer, they continuously harass me. Wells Fargo Auto has called my phone at unusual times at least 4 to 5 times a day. Not only do they harass me with phone calls, but they also call me at my place of employment. Harassment by telephone calls is a violation of the Fair Debt Collection Practices Act. 
Wells Fargo Auto has been sent an Affidavit of Truth, Debt Validation Letter and also a Cease and Desist Letter which has been attached. Upon receipt of these documents, Wells Fargo has 30 days to respond. Wells Fargo Auto is to cease all communication with me expect to notify through mail that debt collection efforts will be terminated or that a specified remedy has been invoked.