davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I get multiple calls form different number daily about debts that are 3-5 years old. I have blocked multiple numbers daily because they keep calling. I have told them to stop contacting me about these debts. The number l get calls form at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and multiple other numbers as well.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Here is all the complaints that nobody can fix. Its very apparent there is a problem, however nobody from either company cares to fix this. I have proof on both accounts and yet here we are. No help no resolution just another company taking advantage of the consumer.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Bridgecrest Acceptance Corporation (OH)

I purchased a XXXX XXXX XXXX from XXXX with a promissory not that was good as cash solidifying the purchase of the vehicle. Bridge crest then purchased my information from XXXX XXXX  which was then considered an asset from me the consumer and natural person. I received no value for my promissory note that the bank has the liability to give the asset back to me which I haven't received. The agreement the bank purchased was a retail installment " credit sale '' contract and in fact not a auto loan but the bank allege I was given a loan, but pursuant to 12 usc 1431 banks can only borrow money. The bank used false and misleading representations to collect on an alleged debt violating the fair debt collections practices act, the truth in lending act, and breach of contract by selling my note and personal information to XXXX XXXX XXXX without my consent. Im aware that after this account was reported as charged off, I the consumer was supposed to receive a XXXX form which I never received.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Yes! what I want to start out with is in XXXX of this year XXXX the bank that I am with right now did not get a cancellation of an item that was canceled by XXXX with the cancellation there should have been a return I called them they say that they did do a refund Like I said again I did not myself cancel the item this did arrive a separate item it was a XXXX XXXX  that was ordered separate it did arrive this was part of the offer but the XXXX XXXX XXXX did not, the money was in the bank to cover this I know my Attorney 's know about this and if good could uncover the exact and approximentely the dates and amounts that you could see this.The approximent figure of money that was lost {$850.00} XXXX XXXX XXXX  XX/XX/2022 And there is a thing that going on this month in XXXX XXXX 2022 this bank want to say there is a reversal on a XXXX XXXXXXXX payment Phone that set for XXXXXXXX XXXX  days the money that they took this month was {$79.00} this is false and was a showing transaction to be good and they go in and reverse it when I am over in my checking account I know + {$1.00} Yes! I wouldn't lie. The total amount that this bank owes me {$930.00}, I reported this quite a few times through FTC XXXX XXXXXXXX finally run across this that has been missing in y'alls website here the cfpb the Bureau maybe you guys can get something done about reimbursement of this {$930.00} my Attorneys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX alt. ( XXXX ) XXXX at this time that's all that I have to report Thank You!
Consumer complaint received 2022-04-18
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. (MO)

In accordance with the Fair Credit Reporting act 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 filed on XX/XX/2013 # 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 2022-04-18
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-18
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-18
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)

In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my right to full disclosure that these so called debt collectors prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX, XXXX {$2300.00}
Consumer complaint received 2022-04-18
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)

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 # XXXXXXXX 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
Consumer complaint received 2022-04-18
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. 
XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased an air ticket on XX/XX/2022 with card ending in XXXX. I made the purchase on the U.S web site of XXXX XXXX through their U.S office. From start to end XXXX XXXX showed me the price of the ticket in USD only. There was no mention anywhere during the selection and booking process regarding the payment being in any other currency than USD. 

Which is why you can imagine my unpleasant surprise when I saw on my credit card statement a charge of {$18.00} from Bank of America. 

It is a small amount of money, however, I am making this complaint out of principal. There was never any warning nor head 's up regarding making a foreign purchase on the XXXX XXXX web site. XXXX XXXX has offices in the U.S AND I made the purchase via XXXX XXXX XXXX XXXX web site. I should NOT be charged a foreign transaction fee. 

Bank of America should refund this fee as a one-time courtesy. Customers should not receive a foreign transaction fee without any kind of notice what-so-ever about it. Again, the price was shown to me in U.S dollars only from beginning to end. Is this even a legal practice to show a customer a price in USD only and then charge a foreign transaction fee?
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights.

15 USCsection 602a states i have the right to privacy & 15USC 1681 Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions.
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights.

15 USCsection 602a states i have the right to privacy & 15USC 1681 Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions.
Consumer complaint received 2023-02-07
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. (TX)

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-18
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Citizens bank on XX/XX//22. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!
Consumer complaint received 2022-04-18
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: Resurgent Capital Services L.P. (NY)

In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my right to full disclosure that these so called debt collectors prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX, XXXX {$2300.00}
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

A checking account was opened with Wells Fargo in my maiden name. I received a statement for XX/XX/2022 in the mail in XXXX. I called Wells Fargo to close the account and they sent me directly to the fraud department. They stated they would take care of closing the account and I should receive a packet in the mail within 45 days. 
I received another statement in the mail this month for XXXX. It shows the account still active. I again called Wells Fargo and the fraud department told me this time the account does have a hold on anything coming in or going out, but it is still open. They said it would take up to 45 days to close everything out. They proceeded to tell me to call back if I hadn't received confirmation on account being resolved by XXXX 2022. I have also placed a credit freeze and SSN freeze on my name.
Consumer complaint received 2022-04-18
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. (WI)

In accordance with the Fair Credit Reporting act, 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 2022-04-18
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. (WI)

In accordance with the Fair Credit Reporting act, XXXXXXXX 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 2022-04-18
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. (MO)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX H

AS violated my rights. 15 USCsection 602a states i have the right to privacy & 15USC 1681 Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructio
ns.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (IL)

Commonwealth Finance supplied the Credit Bureaus with negative, destructive and false information stating I owed a debt. The said company was contacted by phone on XX/XX/XXXX and was told that the debt was not owed due to bankruptcy and was provided the record. The dispute for the debt was approved and stricken from my bureaus. As of XX/XX/XXXX, the same company has reissued the same debt and has potentially ruined any chances of credit being extended and raising my insurance rates and lowering my credit score dramatically. I am in peril of having my credit cards charging me a higher interest rate. They are holding my credit for ransom for a debt that is not owed. They sneakily added this to my bureaus and have not sent any letter or called to inform me of said debt. This is heinous and they need to be severely reprimanded for this insidious business practice.
Consumer complaint received 2022-04-18
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. 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, 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 2022-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

I am being charged for a debt that belongs to my deceased spouse. Between XX/XX/XXXX to present XX/XX/XXXX, not sure about the current amount. The company attached this account to me without my knowledge
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had issue with identity theft where I had account open, money take from my account authorization hold or charges from multiple account! It cause of me loosing my wallets too many times. One example is a corp account with att that I had where it started they stating my order on the phone with a sales manager for an hour and a half. I put in an order of 4 phones they i have proof one was returned and the other got sent back by XXXX. I was charged for it even after informing them about it. Moreover those phones and lines were active and later swap into a different phone? They closed my account with XXXX plus balance?
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed my consumer reports and I noticed that Ive accounts that do not belong to me. the consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy. I have never opened these accounts. I have included in the screen shot thats inside of this complaint and on dates of XX/XX/year> please investigate and provide proof with statements showing that these accounts belong to me.. If proof can not be provided I demand these accounts be removed from my credit report immediately.. Please see screen shot attached Please delete accounts.
Consumer complaint received 2022-04-18
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. (WI)

In accordance with the Fair Credit Reporting act, 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 2022-04-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX  This medical collection is also showing 3 different account numbers on all three bureaus. 
# 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Ive tried contacting experience several times about inaccuracies on my credit report. I understand because of COVID things are being prolonged but it has been well over 90 days from my first initial letter. I understand the the credit bureaus are not government regulated and I feel as I am being taking advantage of as a consumer and American citizen. Ive attempted mailing in my disputes and calling but when I call they stay for me to mail my disputes in which I have numerous of times. I feel like my matter should not be over looked, as a XXXX man in this country who ancestors have been robbed of their freedom and dignity I feel I am walking in the same steps as my ancestors before me. I wish to have this matter settled in court and to have the backings of the XXXX XXXX against a great fight against man kind