davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: Atlanticus Services Corporation (TX)

In accordance with the fair credit reporting act several companies have violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an email yesterday night on XX/XX/2020 at XXXX that said unusual activity was detected for the date of XX/XX/2020. I called Bank of America immediately and have been on hold for nearly two hours! My recent transactions are believed to be fine in my eyes considering the fact that nothing is pending. Please help, I have no other resort due to the Covid-19 epidemic since all branch locations in my area are closed.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

This account has been closed for 7 years and shouldnt be reporting to the bureaus any longer. It was paid in full and closed with no issues and is showing as derogatory on my credit reports.
Consumer complaint received 2022-02-27
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. (SC)

XXXX, XXXX AND EXPERIAN BROKE THE LAW PURSUANT XXXX XXXX XXXX ( XXXX ) ( XXXX ). I NEVER GAVE THESE XXXX AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) ( XXXX ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE XXXX TRUE MOST HIGH XXXX.
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A company based in North Carolina has contacted me about a Bank of America account that is fraudulent. I have never had a businesses account in my life. I believe the account open sometime in XXXX, I never had a bank account in that time frame with Bank of America, I have been on social service and SSI since 2005, I did not ever have a buisness I lived at 2 different address at that time and never had a bill come to me at any of my physical address. I just found out about this account 13 years later?? Company involves XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX, SC,XXXX  XXXX
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (DE)

My credit report has many errors from addresses I did t reside on or never lived on, names I legally dont use to unauthorized credit inquiries with my consent even though my credit file must be frozen since last year. I have placed security freeze and fraud alerts, but somehow, unverified inquiries continue to be on my profile. I have reached out but no resolution from the bureau and others. I have been ignored and my credit had suffered unfairly. Please have them review my file and fix errors from wrong addresses, wrong employers to many illegal aliases and unauthorized inquiries. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Eastern Revenue, Inc. (PA)

I received a phone call from a number claiming I had owed money. XXXX from Eastern Revenue called me, and tried to convince me to pay, I didnt believe him until I saw on my credit report that XXXX XXXX had charged me for a class I couldnt take. When I called him to explain the situation he was rude, said he didnt care and he needed that money. I felt co-orced to pay him so I started to until I stopped. After I stopped, XXXX from Eastern Revenue commenced to harass me. He started insistently calling every day, sometimes before XXXX and sometimes it would be anonymous. Im tired and have XXXX  every day from these people who have no soul and are unable to empathize, and have a conversation human-to-human.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (OK)

I pulled a copy of my most recent Transunion credit report dated XXXX and notice some inquires I do not recognize. I've gone back and contacted XXXX who the XXXX inquires are from ( dated XXXX & XXXX respectively ) and they are not tied to any accounts I currently have. They recommended I reach out to Transunion, so I also sent Transunion a dispute letter through the mail and haven't received any reply from them and that was sent on the XXXX or XXXX of XXXX.
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I PAID MY MORTAGE PAYMENTS TWICE IN XXXX : in XXXX on XXXX, XXXX XXXX XXXX, XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX, XXXX XXXX THIS IS THE MONTH THAT CHASE I ALLEGE DOING FRAUD SO THAT THEY CAN COLLECT LUMP SUM DO TO COVID 19 AND FORCE ME INTO FORECLOSURE BY LYING AND FRAUD. 

I CALLED CHASE TO INQUIRE ABOUT MISSING MORTGAGE PAYMENTS THAT WAS PAID AND NOT APPLIED TO MY MORTAGE STATED THAT I MISSED IN XX/XX/XXXX PAYMENT AND XXXX. CHASE IS CORRECT ABOUT XX/XX/XXXX THIS WAS THE REASON WHY THEY RECEIVED TWO PAYMENTS IN XXXX. 
I PAID ON XX/XX/XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. I SEEN ALL MY PAYMENTS THAT CHASE RECEIVE AND THE ONES THEY STOLE ONLINE UNDER MY ACCOUNT. FAILED TO APPLY MY XXXX AND XXXX PAYMENTS IN XXXX I WANT CHASE TO RECOGNIZE THE MY PAYMENTS THEY STOLE AND COMMITTED FRAUD. NEED ADDITIONAL INFORMATION I WILL APPLY.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I have contacted this company numerous times and the credit bureaus to alert them that someone is using my address and information. There is an address in Florida on my credit report AND a collections account in Florida. Im elderly and a I have never lived in Florida. This needs to be removed as soon as possibleXXXX XXXX XXXX XXXX  and I.C. System Incoporated have both reported this fraudulent utility debt. The total is XXXX. The address in my credit report that is also fraud is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I need the collection and address removed ASAP
Consumer complaint received 2023-06-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX acct XXXX XXXXXXXX, Account name : XXXX XXXX  : Accct XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 pers on knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX  XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( XXXX ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debtXXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2021-05-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One charged Off my Venture credit card account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while battling the Novel 19 covid virus. I will be false to seek legal assistance if this is not deleted from my credit profile on Transunion, Equifax and Experian.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2023. I attempted to pay ALLY Bank via the Bill of exchange act 1882. I sent them documents that accepted the demand for payment ( Accepted for Value ), I entered the amount of {$6700.00}, I signed my name and underscored it with UCC 1-308. 

On XX/XX/2023, I received a letter of rejection and was placed on restrictive payment. I would have pay my bill thru a wiring service as punishment for trying to settle my debts as I understood them as a Bona fide Purchaser. One who exchanges value for services and goods. 

I sent them payments through my banking account, which they returned, under UCC 3-603, part b. If payment are sent to those who are authorized to pay and they are rejected. It is considered discharge up to the amount submitted. 

I rescinded their rights to repossessed my car, as well as their rights to the security interest of promissory note that was on the back. I was still sending them payment through my bank which they returned. 

The repossessed the car two months after rescinding. A clear violation of the contract. I was force to pay over XXXX dollars to get the car back. 

I am still being forced to pay this company through a wiring sevice, which is a hardship to me. I seek remedy for violating my rights as a Bona fide Purchaser/Consumer.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Line Financial, PBC (NC)

Never established a loan ( company says it was for {$30.00} ). Company stated it was open in 2022 at which the loan was provided but they also started a membership which has been active since the loan was provided. I reached out to the company to deactivate the account and or cancel the subscription and the representative told me that her hands were tied because she couldnt do either until I paid them their money. I again attempted to explain that I was not aware nor authorized such loan and could they at least stop the subscription until we could get the the bottom of how this was opened. Again the rep. Stated no not until I pay them first.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (AR)

Experian, is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Experian these inaccuracies to be furnished on my consumer report, it XXXX cause me to lose confidence in the banking system. If Experian wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" See attachment ''
Consumer complaint received 2023-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

Hello, I am filing this complaint against AES because of their behavior with servicing a loan for XXXX. My loan has grown to over twice the size of the amount that I borrowed. The account is supposedly " 962 days past due '' but does not show it is defaulted. I believe AES and XXXX are conspiring to keep it in " limbo '' status. 
I have repeatedly faxed an authorization for my representative, a certified credit counselor, to speak with them and they continually deny they have received it. We did a conference call with them on XX/XX/XXXX and they asked us to submit any payoff offers in writing, which we did also by fax, and they claim not to have received it. 

XXXX, my original lender, went bankrupt and their assets were transferred to XXXX. However, XXXX is owned by the same person who owned XXXX. We ask the CFPB to examine the legality of this type of transfer and investigate the companies involved, as well as AES 's involvement in providing cover for them and servicing loans for a potentially fraudulent company. 

Additionally, I request that XXXX agree to settle the loan for the amount I am offering, which, combined with the amount I've already paid, is more than the original amount that I borrowed. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX dollars  on on XXXX XXXX  On XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXXXXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.
Consumer complaint received 2023-01-06
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. (PA)

The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX XXXX  on on XXXX XXXX. On XXXX XXXX XXXX  reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (OH)

I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX