davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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 2022-05-17
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: BARCLAYS BANK DELAWARE (MA)

I opened a XXXX XXXX XXXX with Barclays last year. One of the benefits was an introductory APR of 0 %. This month I had a feeling that the promotional APR was coming to an end. When I checked my XXXX statement it listed the promotional APR in the Interest Charge Calculation table, however, under the Promotional Rate End Date there was no date listed. I called Barclays customer service and the agent gave me 2 end dates as the information on their end was not clear. It wasn't until we went through each statement to find if the date was listed, that we found the actual end date. This information was last printed on my XX/XX/2022 statement. 

This feels suspicious to me as if Barclays was hoping I would miss the promotional rate end date and owe all the back interest. 


I wanted to report this because it just is not right.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have a problem with a purchase from 2013, and I need proof of purchase. I can not find my statements from 2013, and BOA did not have the reports for 2013.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (TX)

Complaint : ( XXXX XXXX XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX  XXXX XXXX  ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. 

Equifax must remove all information reporting from and relating to ( XXXX  XXXX XXXX  ) including third party debt collection accounts associated with ( XXXX  XXXX XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Account # XXXX
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

On XX/XX/ I received a call from Umpqua Bank 's fraud hotline regarding a purchase I did not make. Upon reviewing my account, I noticed 4 charges that were fraudulent and not performed by me. The charges in question were for : XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$130.00} USPS.com XXXX {$9.00} By the time I received the call for the fraud charge, it was one for XXXX XXXX XXXX that would have overdrawn my account. 

I called Umpqua on XX/XX/ at XXXX to report these transactions as fraud. I was told at this time that I could not get any type of provisional credit for the funds that were stolen. 

I called again today, XX/XX/ in an effort to get a provisional credit, since most of my money was stolen. I spoke to a representative that told me provisional credit was not able to be issued. I escalated to a supervisor named XXXX, who told me the same, and again to a manager named XXXX who again told me that provisional credit could not be issued. Additionally, XXXX told me that they had 10 days to investigate and that a provisional credit may not be issued after 10 days either. 

It is extremely disheartening that Umpqua Bank compromised my information in a data breach in XX/XX/XXXX XXXX  and then when there is fraud on my account and the majority of my money stolen, they are not willing to provide a credit so that I can pay my bills.
Consumer complaint received 2022-05-17
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. (GA)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Consumer complaint received 2022-05-17
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act Fifth Third Bank, has violated my rights In XXXX 2019. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit account under a closed end consumer credit plan as late for any reason.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo sent my statement late, I paid the bill, and then they sent me another statement with a {$29.00} late fee and {$19.00} in interest on {$770.00} bill I paid in full that arrived seven days late. I called to request they waive the fee and interest and they declined. Given their history of creating false accounts and charging unsuspecting customers fees and interest on accounts they didn't know they had, it doesn't surprise me if they intentionally sent out my statement late to charge me fees and interest.
Consumer complaint received 2021-11-08
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: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union after numerous letters and complaints to the institution they continue to re-age my credit profile by reporting monthly Charge Offs to re-age my accounts. They add late payments that are not late payments and have made over XXXX payments without my consent to re-age charged off accounts.
Consumer complaint received 2022-05-17
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. (WI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2015-06-02
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: MNE Services, Inc (NJ)

A outside collection agency told me to make a payment arrangement in order to not be served at my job. The name of the collection agency was XXXX XXXX. Come to find out the payments that I sent were never credited to my payday loan. When I called the company they stopped answering.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Attached is a screenshot and letter that I recently sent to Transunion and XXXX. I requested that both CRA 's do a complete investigation to ensure the accuracy and of ownership regarding this XXXX. I was sent a letter from both CRAs that this account was verified as accurate. I have requested their method on verification as proof as to how this account was verified as accurate but did not receive anything. IF a complete investigation was done Transunion and XXXX would have seen this account was deleted from my XXXX report. They would have also seen all of these inaccuracies. I highlighted as proof that this XXXX account is not only inaccurate but also has not been validated as my account.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-11-08
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. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This two AVANTE 's account with balance of {$450.00} and {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Report Number XXXX with Experian dated XXXX pertaining to reporting from and with XXXX XXXX XXXX Bank for late payment dated XXXX of XXXX. Consumer advised Experian that they were in clear violation of my federally protected consumer rights pursuant to : 1. 15 USC 1681 as I, the consumer, DID NOT give written consent for reporting. 
2. 15 USC 6801 for sharing non public information. 
3. Privacy Act of 1974 4. 15 USC 1666b as no late payments should be reported on my consumer report.
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (AL)

I have been getting phone calls from Credit Management for roughly two weeks at this point. I have received nothing in writing from them to validate the debt they are speaking on and in fact I have a zero balance letter from the company they are claiming I owe money to. Today XX/XX/22 at XXXX XXXX I received a phone call from XXXX and a " XXXX XXXX XXXX asked to speak to me, XXXX XXXX XXXX I told him I am XXXX and asked what this was in regards to. He asked me to validate my address, I asked the name of the company he was calling from. He stated my address again and told me to validate my address. I let him know I am not validating my address without knowing the name of the company. He then said " We will just reach you by mail '' and hung up. 
XX/XX/22 XXXX XXXX I called the number back, got XXXX XXXX When calling I heard it was Credit Management via their recording. I notified XXXX that the previous agent was not allowed to refuse to provide identification. She asked me to confirm my address as well-but she did say the name of the company and said she could provide more information if I confirmed my address. I let her know Im aware of what this is about now, but my call is to alert her the previous agent, XXXX XXXX, REFUSED to provide the name of the company while demanding me confirm my address which he is not allowed to do and I will be filing a CFPB complaint on him for failing to identify his company while demanding personal information from me.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

Goldman Sachs closed my Apple Card account without any notice.

When I called Apple Card support they told me I violated their policy. But I didnt do any violations that harm my account status except several disputes from unknown charges and duplicated charges. I always paid off on time and maintain good credit.

Suddenly one day, they decided to close my account and make my life more complicated.

They also reversed some of my payment that I paid from using my Apple Card saving account.

Later I check they also closed my saving account and I didnt see that money was sent back to my Apple Card saving account.

Now they also ruined my credit.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XXXX I reported this company for many issues. Since the report with your Bureau, the company has contacted me but had no resolution, but I requested to be removed from the loan and this still has not happened. To date I was not removed from the loan. All documents for the car ( Registration, Insurance, and title are in the owner 's name ) as it is supposed to be, but I remain on the loan. 
I am submitting this complaint because I would like to be removed from the loan. There is no reason of why I should be on the loan. 
The owner of the car has tried to contact the company on many occasions in attempt to ask them to remove me and was unsuccessful. As of date the car has been in my name for six - seven months and I would like to be removed from the loan ASAP. 

I do not need the company telephoning me to get information, to help them respond to you. I need them to remove me from the car loan they can call the owner for the vehicle, and converse with him. I prefer not to receive any mail on this matter either. They should respond to your company, the owner of the vehicle, and to the credit bureaus only.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

ENHANCED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ( I do n't know if this is the correct address and number, they 're a very shifty company ) has filed a fraudulent collection on my credit report. I can not contact them to discuss this issue because they are a corrupt third party collection agency who frequently breaks the law according to the BBB and reviews on the company. The collection Account # XXXX {$570.00} Balance XXXX Original Creditor {$570.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Individual Account.Responsibility has already been removed from my credit report twice before- Agency Report Date Removed Original Creditor Amount Owed Bureau AFNI, XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX This is a criminal attempt at fraud and it has damaged my credit. Twice before this collection was removed from my report because the previous collection agencies investigated the bill and found that XXXX falsely tried to bill me and they dropped the collections and now this agency is attempting the same thing, illegally.