davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In 2018 I had an account with XXXX XXXX and then totaled the car that I had with them my insurance paid most of it but the XXXX dealership paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The negative items on my credit report have had a detrimental impact on my credit score, making it difficult for me to obtain credit and loans. 

My name is XXXX XXXX, and the following are the details of the negative items on my credit report : XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, you are required to investigate my dispute within 30 days of receipt of my request. I am requesting that you promptly investigate and take appropriate action to correct or remove any inaccurate or incomplete information from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-10
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. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-02
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2023 there was a letter sent via Certified mail and Accepted by Bank of America. The letter clearly stated that there was a revocation of security interest on deposit accounts that I have with Bank of America. On XX/XX/2023 Bank of America Unlawfully took funds in the amount of {$6400.00} from My business ( XXXX XXXX XXXX ) Deposit account despite acknowledging their security interest on all deposit accounts was revoked. This unlawful practice is unacceptable and needs to be corrected as soon as possible. My Promissory note for the credit cards issued by Bank of America is a security and Bank of America is committing securities fraud by not registering them with the SEC. 

Also, as the investor, I am deeply concerned about the failure to honor my monthly redemptions from the debt securities issued. Additionally, the closure of my cards, which I do not agree with, compounds my dissatisfaction. 

Your unlawful acts will be addressed with the SEC and a complaint will be filed along with an investigation to be initiated. 
Return the {$6400.00} to my account right away and do not ever take it upon yourself to take funds out of my account unlawfully again. Your security interest was revoked!
Consumer complaint received 2022-09-09
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was using transunion to get my free credit report and i was required to make an account to see my credit score. After i entered my information including a credit card i was charged for a monthly subsciption for credit monitoring i was not aware of. I was just trying to get a free credit report as stated on XXXX. I was charged not once but twice. {$27.00} each time for a total of {$54.00}.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (UT)

I purchased games from a gaming company XXXX  XX/XX/XXXX and realized I was being charged duplicated charges so I told merchant about it and they responded that there were technical issues with new software and were investigating problem and would refund me. They never did and problem kept happening so I closed my account and disputed charges with my bank chase. They put my claim as a subscription and denied me after a month of being charged over {$7000.00} and then not only telling me but guaranteed my money by the XXXX of XXXX so I was very patient and still have received nothing but poor customer service and told something different every single day.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX XXXX  XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an XXXX citizen my credit score is a XXXX. When will this attack stop!
Consumer complaint received 2023-03-15
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. (NJ)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2020-11-15
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: Rocket Mortgage, LLC (OR)

On XX/XX/XXXX, I made a brief phone call to Quicken/Rocket Loans for an interest rate quote and refinance charge for my senior friend. I did not give my ss number or permission for access. I did not apply for a loan, as I've owned my homes since XXXX. After the call ended an alert signaled a HARD hit to my credit report. Quicken Loans had dropped my score. Additional checks were noted in XXXX. They retained and accessed my personal information without consent. I complained to management but they refused to remove the damage. I requested phone recording and/or transcripts. Still no response.
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

on XX/XX/2021 I received a letter from Advanced Collection Bureau falsely stating that I owe money to them and that XXXX XXXX is the creditor when in fact I am the original creditor. The business seems to be impersonating a government office by using the name bureau and has no right to contact me and has been informed to cease and desist by certified mail : https XXXX XXXX XXXXXXXXXXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail I do not owe any debt and in fact believe there has been a surplus amount of monies made associated with account number ACCOUNT NUMBER XXXX. I have reason to believe and do so believe Advanced collection bureau was credited from my principle obligor trust account and money which has been credited to the bank has been missed to make investments in favor of Advanced collection bureau using this account ending in XXXX. IF this assumption is true I demand redirection of all prior payment into the name of the consumer on the original transaction, as I am not nor have I ever been aware of the trading, monetizing and hypothecation compensation a XXXX point XXXX per centum on all monies gained associated with this account as this transaction has not been equitable to me, if my assumption that I truly funded and credit this account has been making monies have been made in my principle obligors name XXXX XXXX. I demand any monies made from this transaction be returned to myself as the original creditor. 

I am disputing this alleged debt. I am invoking my specified remedy as a original creditor pursuant to 15 US Code 1692c ( c ) ( 2 ) and pursuant to a15 US Code 1692 I demand you cease any communication and collection activities of this alleged debt.

I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 49 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principle obligor. 


I have reason to believe and do so believes, without all requested documents in the affidavit herein there can be no such proof of claim by advanced collection bereau and XXXX XXXX would be liable for creating a false and deceptive form under 15 US code 1692. 

I have reason to believe and do so believe that Advanced collection bureau is committing fraud by having my personal information without my consent and I demand that they pay the invoice requested
Consumer complaint received 2021-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management was sent a notarized and signed affidavit about their clear violations of FDCPA and FCRA. They continue to contact me via mail to collect an alleged debt. 

Midland is in violation of 1. 15 USC 1692b ( 2 ) 2. 15 USC 1692b ( 5 ) 3. 15 USC 1692b ( 1 )
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  had reported incorrect information. XXXX XXXX says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX  credit card.
Consumer complaint received 2023-02-02
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. (CA)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

I have send a debt validation letter two times on the following dates XXXX XX/XX/2021 and each time XXXX XXXX XXXX XXXX has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit files and cease all collection activities immediately.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (SC)

XXXX, 2022 I received an alert about an collection account from NTL Recovery Agency, I've called and spoken with NTL and explained to them that this account has been resolved with another agency, NTL Recovery Agency refuses to remove this collection off my report, this is unacceptable and Unprofessional.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/XXXX I mistakenly transferred {$10000.00} from my non Wells Fargo checking account to my Wells Fargo credit card account. I began calling asking for the funds to be transferred back into my checking account. Each call resulted in a different outcome. I have been told on several different occasions the money would be transferred and given a date when it would happen. To date the money still sits as a positive balance in the credit card account. The last call made ended up getting handed off to someone in a different area of the company and was told it would take 30 days for the money to be returned. They take 30 seconds to accept the money,. 30 days to return it.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC. (OR)

I lost my job at the time and let them know my situation, I tried to resolve the matter with small incremental payments but I then moved and the account got sent to collections anyway and is now hurting my credit and not allowing me to finance a vehicle.
Consumer complaint received 2023-03-15
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. (VA)

I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported. 
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX