davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-02-01
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Virginia, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX I, XXXX XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The following items are fraud and is identity theft Party Owed : XXXX XXXX XXXX XXXX : {$11000.00} Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : {$120.00} Party Owed : XXXX XXXX Amount : {$530.00} Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : {$240.00} I am disputing this claim due to : I have no knowledge of this account i am requesting it to be removed immediately This is my official request to have the aforementioned item to be deleted off my credit report.
Consumer complaint received 2021-01-05
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. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The XXXX XXXX XXXX has continually reported inaccurate credit information in my credit file even though they are NOT a credit reporting agency. I was informed by a XXXX XXXX representative that they retrieved my credit information from the XXXX and TransUnion credit files, and then in return report the information in my credit file with their company. Im assuming that this is still a violation of the Fair Credit Reporting Act ( FCRA ). My credit file with XXXX XXXX still contains negative or derogatory credit information that is very damaging to my credit file, and they should not be allowed to furnish any of my credit information.
Consumer complaint received 2023-02-01
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. ()

I am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, Thank you.
Consumer complaint received 2021-01-05
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 
INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MI)

XXXX XXXX, a XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX  records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I hold a BANK OF AMERICA EDD debit card and they are the trustee. 
XXXX XXXX California. Location of Bank of America Needed to cash a XXXX check written from a BANK OF AMERICA customer. They charged me XXXX XXXX to cash check stating that my edd account was not a BANK OF AMERICA. I showed them my BANK OF AMERICA CARD. They still charged the fee and cashier refused to provide a receipt showing the amount paid for the check cashing. She prompted me to go to the bank manager and she refused to provide a receipt stating that it wasnt required. 
I stated as a bank customer I was required to file proper tax returns. They stated that they were not required to provide any receipt to a non-bank customer. They openly admitted to Bank of America is discriminating against XXXX customers who hold XXXX  debit card and considers them to be non customers because of their account status. Tried to extort me into opening another bank account over to receive better service. XXXX  prohibits this type of discrimination.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America - check was cashed by another individual that was made our to me. Bank of America has had this check under investigation for 4 months now. Check was cashed in XX/XX/2022 check # XXXX in the amount of {$32000.00}. I faxed a formal complaint on XX/XX/2022. They still have not retrieved my money but have taken the money out of the other persons account. Bank of America has unlawful held my money for 3 months now.
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I have contact the loan company about this car witch was sold to insurance company and this was back in XXXX  they refuse to close the account and keep adding money on to the loan after the car was sold to insurance and they sent the title to the insurance company this account should not even still be open
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.
Consumer complaint received 2021-01-05
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. (TX)

Transunion has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX I have called, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (TX)

Was told I had a charge off account with Navy federal for a mastercard platinum from XX/XX/XXXXfor about {$950.00} and will not let me withdraw my savings account or close it out until the debt is paid and when I asked for statements and ways to verify the debt they said they cant because it's a very old account I told them I will not pay for a debt that I cant even verify is mine and that they cant just hold my savings account funds indefinitely to cover that debt. I also found a letter dated from XX/XX/XXXX and it said I had to make a payment or they would contact my chain of command to force me into making a payment arrangement back then. I think Navy Federal has unethical collection tactics.
Consumer complaint received 2024-01-04
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)

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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX, XXXX XXXX  : Account # XXXX, 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 supposed to modify accounts that aren't reporting correctly.

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 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

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 nephew, 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 :
Consumer complaint received 2021-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

Today, XX/XX/XXXX, I used my XX/XX/XXXX atm card at a PNC bank atm XXXX which I am also a bank customer ) to take out {$300.00} and did not receive my {$300.00} even though the {$300.00} deducted from my XX/XX/XXXX XX/XX/XXXX account. I needed these funds to pay a deductible for a doctor 's appointment that day in order to be seen. While sitting at the atm in me vehicle, I called into the branch and explained what occurred. I was told there was nothing that could be done and I needed to call XXXX to file a dispute. When asked how I am to prove to XX/XX/XXXX I did not receive the {$300.00} from their PNC atm machine when the money shows deducted from my XX/XX/XXXX account. I asked if I could have something in writing and was told no and XXXX would contact then and their atm would show in excess of the {$300.00}. 
I also used my PNC atm card to make sure my {$300.00} would not dispense if used by someone else. I completed my transaction for just {$10.00} to see if my PNC atm card would work ; however, the {$10.00} did not dispense either. When I informed the manager XXXX XXXX of this and that the machine is malfunctioned she immediately sent someone outside to inform the customers in line behind me that the atm was not working and stated she would have to report this. 
When calling my credit union they informed a dispute could be filed but my account could not be credited for 10 days. As a result, I had to take another {$300.00} from my account that day to pay my deductible for my appointment. Making my account reduced by {$600.00} v. {$300.00} which was a hardship. 
A customer should never be told, there is nothing that can be done to help them or told about their energy, or that they understand when they clearly do not understand the reason I went to the atm is because I needed my money right then, not 10 days later after having filed a dispute.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My credit card was paid off with the closing of the sale of our home. The title company sent Capital One a check, check number XXXX. This check did not post so the title company ( XXXX XXXX ) placed a stop payment on it on XX/XX/XXXX. A second check was issued by XXXX, check number XXXX and I mailed it with overnight postage. It cleared on XX/XX/XXXX. Repeatedly Capital One will reverse this payment stating that both checks had stop payments on them. This is not true, clearly one did and the other posted. Finally on XX/XX/XXXX I received a letter from Capital One stating the payment was deducted in error. I thought it was over. Now as of XX/XX/XXXX they have once again made a " payment adjustment '' and the payment has been reversed again. I need help getting this resolved once and for all.
Consumer complaint received 2023-02-01
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. (NV)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXXXXXX 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 1681section 602 A States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-04
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. (IL)

I was granted a divorce from XXXX XXXX on XX/XX/2024. The divorce decree CLEARLY states that i am not responsible for ANY premarital debt. I submitted a copy of the decree and a letter asking all debt be removed from my credit report. I jabe also filed online disputes wirh the decree documents attached. My disputes are being rejected from the debitor, XXXX for a credit line that was CHARGED OFF for {$7500.00} approximately. This charge off should not be appearing on my credit report any longer according to the XXXX XXXX XXXX XXXX. All notations of this account should be removed from ALL 3 credit reporting agencies, yet they are ignoring the court order to hold XXXX XXXX solely responsible.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 
INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-02-01
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. (NC)

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 XXXXXXXX - account number- XXXX XXXX XXXXXXXX - Account Number- XXXXXXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account XXXX XXXX- Account XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX XXXX  XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX- Account Number- XXXX XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX  Account Number 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 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

i sent a debt validation letter 2 times on XXXX XXXX and each time this company ( merchants credit guide ) XXXX XXXX XXXX XXXX # XXXX XXXX illinois XXXX has failed to validate my debt. instead they sent me a list of my medical records which i know is a direct violation of HIPPA regulations. Never signed a HIPPA form authorizing them to have it to have access to this information. please delete this information from my credit file cease all collection activities immediately.