davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

i received alerts on my credit report that there was inquiries added to my report that i did not authorize. i was not present to consent to those unauthorized inquires. i reached out the creditors to provide my written consent to give authorization to pull my credit report. this is the same car lot that misused my information the first time trying to obtain a car loan in my name. The Inquires that are not authorized are the followingXXXX 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 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 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. XXXX XXXX XXXX LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an Experian credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020 I will be a member of the class action above.
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

A XXXX account was open in my name in XX/XX/2012 I disputed this claim with XXXX ( Identity theft ) they in turn sold my account to portfolio recovery which I also filed out paper work with. They are still trying to collect this debt 5 years later.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( b ). I did not give written permission to any of these companies to access my credit report. Please remove the following inquiries immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I told XXXX XXXX I was having financial issues but I will be able to pay a large sum in a few months. I am waiting for a house to sell. They closed the account with no written warning.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2020-12-24
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: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/23, I received two emails that my American Express credit card accounts are being closed. I quickly called to see why. I was advised that because of returned payments. I have been experiencing fraud and ID theft in the past year, and have been having to constantly change banking account numbers and cards. I've expressed that each time I've called to have American Express confirm payments. They've called my bank with my on the phone and confirmed that payments have cleared and/or have funds to cover. Now, they are telling me that it was not verified and my relationship is being closed. I asked to escalate the issue, but was declined that option and stated there is nothing they can do. Only option is for me to apply for a new credit card. I let them know I can provide a letter from my bank stating it was returned in error since I have been dealing with fraud. They did not accept. It is very frustrating that as I have been dealing with the fraud and ID theft, that American Express can not find a solution to assist and even review the situation. They did not seem to care and brushed it off. I also find it funny that the day before, purchases were allowed, creating more balance and profit for American Express. Which I am sure, at that time they knew the relationship was being closed. Seems like they wanted to allow me to spend more so they can profit before closing it all. I do also feel discriminated against for returned Payments, even if it was because I have been experiencing fraud and ID theft. They brushed it off like I was no longer worthy to be a client, like Im a XXXX XXXX XXXX to throw away.
Consumer complaint received 2020-12-27
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. (GA)

On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OK)

Back in 2015 I was found unconscious and rushed to the hospital. I had an XXXX that had XXXX  causing my XXXX XXXX XXXX XXXX XXXX. I was in a XXXX for a bit and it took a while to get out of the hospital. It took even longer before I could get back to work as the injury had caused such severe memory issues that kept me from being able to hold a conversation or remember something for more than 2 minuets, at best, at a time. We immediately met my max out of pocket amount from my insurance company. My parent was advised that due to my circumstances she should draw up a letter of financial hardship to request help from the hospitals charity which was approved. The hospital 's charity took care of my out of pocket liabilities and my insurance company covered the rest. I was informed by my mother, who was handling all of this in my diminished capacity, that XXXX had sent a bill which she forwarded to the insurance company which reviewed the bill and told her they had already paid them their negotiated rate so do not pay this bill or anything they send you in the future as we were not liable for any other charges. Five years later I have had multiple collections companies try to collect on this same debt I was told by my insurer I didn't owe. I have had medical issues I've tried to get funding to resolve, that because of these collections agencies, I couldn't and still can't get funding for and have still yet to get fully resolved. Because of my time out of work, my diminished mental functioning at the time and getting laid off this caused us to lose my mother 's car, our apartment and caused massive amounts of financial struggle. XXXX of XXXX XXXX XXXX is the initial issuer of debt and the newest collection agency to acquire this undue debt is PHNX FINAN according to my credit monitoring tool. Please help get this resolved as this has caused extreme amounts of stress and further health issues not directly tied to a very traumatic period of my life half a decade ago.
Consumer complaint received 2020-12-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (CA)

I transferred XXXX to my XXXX via discover bank. The funds have gone missing as the recipient bank has not received the funds. My bank is not taking action to give me my funds back. They keep repeating that it was sent and not their fault. It has been a month and I have a significant amount of money missing.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

I opened my loan in XX/XX/XXXX with AHFC. I paid it off around XX/XX/XXXX. My account has vanished on my report. I paid every month on time for over 4 years and it isnt showing at all.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I had {$13.00} in my checking account with Webster Bank. On XX/XX/2023 I processed XXXX check payments so that Webster Bank would mail checks to the payees on my account. The first payment for my {$5.00} was for my Primary Care Physician, XXXX XXXX XXXX and the second payment was for {$5.00} for XXXX XXXX. After these payments clear my account balance should be {$3.00}. Today I reviewed my account and my balance is {$3.00} but I was charged a service charge for {$10.00}. Had I known that Webster Bank deliberately intended on ripping me off and defrauding me out of {$10.00} I would have simply closed this account. I would never have proceeded any payments had I known my account would be short or negative funds. What truly bothers and disturbs me is that Webster Bank knowingly and intentionally processed these payments before taking this unwarranted and unjustified service charge. I feel that this was deliberately done and that I was targeted because of previous complaints. I feel that the timing of this service charge is extremely suspect and very suspicious especially since I was never informed or advised of any new bank fees or changes other than the one for paper statements, which to avoid this charge I immediately switched to electronic statements. I feel like Webster Bank deliberately takes advantage of customers that are on a fixed income or are struggling financially. I see no intelligent reason why a bank would find it necessary to deliberately target and take advantage of customers that are poor but this bank definitely does by all the ways they intentionally give customers the shaft. I feel truly victimized, and deceived by there deceptive business practices and tactics that I feel need to be investigated. I should not be forced to pay extra fees and charges just because Webster Bank processed my payments then they decided to take this money that was accounted for these payments as a nuisance service charge. This is not right or fair. I am respectfully requesting your assistance with this extremely difficult situation.
Consumer complaint received 2023-10-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED (NY)

Debt collection company is trying to collect a debt not owed because I already moved out and the landlord never returned security deposit of XXXX and I never owed any rent. Lease expired XX/XX/XXXX. NCSPlus are committing fraud along with XXXX XXXX XXXX XXXX XXXX They actually owe me money and never gave me my security deposit.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.
Consumer complaint received 2022-01-31
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

This particular account is undoubtedly placed as a charged-off account. ( MACY'S/DSNB XXXX Opened Date XX/XX/2016 Balance {$0.00} ) The balance was already zero yet the account was still indicating as a charge off. There must be a payment history that shows a 120 past due for this account. You are reporting mistaken information on this account.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (TN)

I 've attempted several times through phone calls, letters, and emails - even the XXXX - to verify this debt that Financial Services claims I owe. However, they have never responded, not even to the XXXX. 

This is no verification - which I am entitled to - that this is a valid debt.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA USA is a bank headquartered in XXXX, Alabama. It has been a subsidiary of the XXXX multinational Banco Bilbao Vizca BBVA closed my account because my credit score changed, but I still have a balance.

They do not let me pay my outstanding balance online.

This is like they are trying to make me default This is so XXXX BBVA closed my account, but I still have have balance, and you don't let me pay online, I have to call in every time to make a payment. 
This is XXXX, it is a huge inconvenience that I can't pay online I am going to report you to department of consumer affairs XXXX XXXX