davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please delete all of the following addresses and names, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and names. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
PLEASE DELETE AND BLOCK THIS INFORMATION OFF OF MY CONSUMER REPORT FOR XXXX, XXXX, AND EXPERIAN. 

XXXX 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 2023-03-09
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  ( Account # XXXX XXXX XXXX XXXX. ) ( XXXX XXXX  XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2022-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation XXXX Letter sent to : XXXX XXXX  To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX  }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX  } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-09
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. (NM)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-09
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-12
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: EQUIFAX, INC. (DC)

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 

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

15 U.S.C 1681 Section 604 Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) 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 conviction of crime 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 the information is inaccurate.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I recently noticed my credit score went down. On my credit report it states closed by creditor on my credit card accounts. When in fact it should state included in bankruptcy. Some accounts do show included in bankruptcy, and some do not. Please correct items. 

I thank you for removing bankruptcy but my score doesnt reflect adjustment from removing bankruptcy. I thank you in advance to fix items in question.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

My partner and I are joint account owners on account ( I am fully aware that means XX/XX/XXXX ). 
ON XX/XX/XXXX ( Friday ) he was arrested for XXXX XXXX  my XXXX XXXX XXXX after her disclosure with full admission on his behalf. By Monday, his sister had gained XXXX XXXX XXXX and removed all the money from my account. When asking for the POA, I was not allowed to see it ( although they did not open until Monday and the money was removed Monday, also.. they acted surprised after the heard what happened as if they were lied to completely ). They told me they would look into it, because the manager was not aware of a POA taking the money out if there was a joint account owner that was not an elderly on the account. They refused to print the policy for me. 

After gaining the POA, I have a hard time believing it was ever verified ( discrepancies in signature and wishes ... and " he '' signed for " saving his eggs in case of an emergency '' among other odd requests ). 

After this, I asked to close the account that is now at a {$0.00} balance, and they said they could not without his signature and could not do it through the POAs signature? I could not be removed without his signature ( although I am not allowed to have contact with him and he is XXXX XXXX XXXX  ). I then tried to keep the balance up and close all the automatic drafts coming out and then asked to turn off automatic drafts- after catching it up.. they continued to allow it to be overdrafted with his credit card and other automatic payments that I had no control over. Now they are sending me a default paper and refuse to correct any of it. 
I feel I did everything I could from the beginning. I took ownership of the joint account even though I still don't believe it is ethical even if it is legal but after all of that, I do not see how I could possibly still be responsible or how a judge would see it that way if I were to take it further. I need to know the next steps to take. 
Thank you.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (PA)

This vehicle was my ex wifes vehicle and she was involved in a total loss accident. We were told by Hyundai that the vehicle was paid in full by the gap insurance and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. Thank you.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

Hi Team, This complaint is regarding the account settlement issues that I am having with Mazda Financials. Account Number : XXXX Car Model : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was involved in a car accident on XX/XX/XXXX where I was rear ended by a drunk driver. The car was deemed a total loss by the insurance company and a check of XXXX USD was issued to Mazda financial. 
Even though it has been almost 2 months since Mazda have received their payments, they have been calling me continuously to collect money and make my account current. I have explained to them several times that the payment was received by Mazda. They seem to agree that the payment is received but still keep calling me.

As of today, I saw my credit score went down by over a XXXX points. This is because of incorrect information provided and furnished from mazda financial. 
Can you help me get this resolved please? I have explained to several representatives from Mazda of this situation and they have also told me that they will expedite and get this fixed. But this has not been taken care for a long time now.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have over 200 Inquiry on my credit report with XXXX, so I called them and spoke with a supervisor by the name XXXX, and he put in the dispute for the Inquiry 's I received a copy of my Credit report on today. I looked online to see if all of them was actually removed to find out they weren't. I called and 3 reps form XXXX stated that all the inquiry 's where still on my report and they don't have any records on the confirmation # nor will they remove them off. I don't understand why I would receive a report and they can't find any records of it or my dispute. These aren't my inquiries nor am I requesting for my credit be pulled. I would like them to be removed. I'm already apart of the Data Brench and this is an issue with XXXX.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MA)

BarclayXXXX XXXX published closing date on my account is the XXXX of the month. The interest is charged on that date, listed on my statement each month. It has been posted in XXXX a day early. Customer Service from Barclays stated that the interest charge can be posted a day or two earlier. It has never been the historical case. The Customer Service XXXX with whom I spoke ( XXXX ) on XX/XX/XXXX  stated that the inconsistency could not be explained. My complaint is that the interest charged is inconsistent with the closing date, therefore not an accurate date/interest charged amount as their web site posts, and what the Barclays Bank internal systems lists . Two sets of books is a practice not consistent with published financial statutes. Please advise. Note : The Customer Service XXXX mentioned an internal complaint would be noted on my account.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (DC)

As Linebarger Goggan Blair & Sampson, LLP ( LGBS ) and their client XXXX continue to ignore consumer 's complaint over the amount of the administrative fee piggybacked in the toll notices and avoid their responsibilities, I hereby demand LGBS and XXXX to provide the cost breakdown to justify the amount of this fee ( {$75.00} ). The cost breakdown should include details with descriptions, and be certified and endorsed by other relevant government agencies or authorities. In addition, I demand XXXX to explain the difference between the administrative cost for processing regular XXXX traveler and Non XXXX travelers, with the administrative necessity to charge extra fees in amounts that are 500 % of the tolls.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (VA)

This has been going on for almost a month now, I have been dealing with my vanilla they froze my account in XXXX and will not release my funds back to me, I sent the verification email to XXXX 3 days ago and still they say they have not gotten it, this was on XX/XX/2020 and I need my funds loaded back to my card immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RFNA, LP (SC)

Republic Finance is using my credit report as collateral as a method to repossess a loan that was issued through XXXX XXXX. Republic Finance had access to my XXXX XXXX XXXX  Report and knew I lost my job and continued to market to me despite not seeing any funds in my account. This was using deceptive practices and caused substantial injury, as a result, is punishable by law at {$1000.00} per violation. The FCRA Law states that. Federal Trade Commission Act/Dodd-Frank Act states that these practices can not cause harm to consumers, and this issue with Republic Finance has caused substantial harm to my credit report as well as mental anguish. This item needs to be removed from my credit. I never received a 1099A Acquisition or Abandonment of Secured Property 1099c Cancellation of debt. This company uses swap methods and knowingly has traded this note on the secondary market and is seeking only interest payments. XXXX XXXX XXXX  through XXXX XXXX, which is part of XXXX or XXXX.
Consumer complaint received 2022-10-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I, XXXX XXXX, am a federally protected consumer. I requested validation of this alleged debt and cease and desist with Capital One. This validation letter was recieved by Capital One on XX/XX/2020. I have no received a response from Capital One regarding this alleged debt and I have received countless calls from this company regarding this alleged debt which did not honor the cease and desist.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I used to have a credit card with Bank of America and after fraud on my account I stop using. I started receiving text messages to click on a link and when I called the XXXX number instead of response to the text the bank said it was fraud because thats not the number I had on record for them to contact me. 

Today, XXXX XXXX, I received a letter stating Im being served in state court with a lot of information blacked out on the documents so I cant dispute. The envelope didnt have any return address and appeared used.
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a XXXX on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX 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.