davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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. (MO)

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Bank and the companies that have inquires on my consumer report. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. These accounts were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent. According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Recently I contacted portfolio recovery to pay an old account off to have removed off my credit report. When paying it they told me it would be removed off my credit report. Still showing on my report and it been over 10 business days since Ive paid this off. Remove please but while I was talking to her she kept referring to another account that I told her wasnt mine and she kept trying to get me to agree to paying an account that wasnt/isnt mine. Now there is a new account being reported on my credit report for an amount of $ 1000+. Not my account and have no documentation of this account. I need this removed immediately along with the other account that I paid {$380.00}. Remove!!!
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (CA)

In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it XXXX concern : I am writing you with this formal objection of information published and provided by you to XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Auto Loan to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged XXXX XXXX. 

Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 



XXXX XXXX  # XXXX Opened : XX/XX/XXXX Account Status : Open Collections XXXX Showing Past Due : XXXX This Auto Loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX, XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

My account need to be updated to a XXXX balance paid in full because Fed loan could not provide my original instrument documents they sold it to another company. I sent letters to them and they couldn't respond properly. I need my account updated asap!!!
Consumer complaint received 2019-04-10
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: CITIBANK, N.A. (TX)

Frustrating dispute resolution process over fraudulent charges with Citibank We have an XXXX XXXX Aadvantage Platinum Select Card with Citibank. Despite multiple calls to their Customer Service and providing the same information many times to them and their Security Operations team, we were not credited for multiple fraudulent pharmacy charges for a total amount of XXXX. Below is their text. They asked me how anyone could use my card, which was on my possession, on a chip-enabled card reader. I told them they should be the experts in cybersecurity, not me. I have, since that last call, closed my account and filed a police report. To add salt to injury, they charged me for interest on the disputed amounts after they had previously told me on the phone not to worry about the disputed charges and they sent me an email stating they had reduced my minimum payment for the month. 

" Throughout our investigation of your dispute, we found that your card, embedded with an XXXX chip, was used to make the below disputed transactions ( s ) at a chip enabled card reader. Since this card was in your possession at the time of the transaction ( s ), we don't consider this fraudulent activity and your account won't be credited for this transaction ( s ). '' Below are Sale Date - Amount - Vendor and distance from my house XX/XX/2019 - XXXX XXXX 18 miles from my house XX/XX/2019 - XXXX - XXXX 27 miles from my house XX/XX/2019 - XXXX XXXX 1.8 miles from my house XX/XX/2019 - XXXX XXXX 85 miles from my house
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 XXXX $ XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ XXXX
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {$7000.00}
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (TX)

I just received notification that this account was added to my credit report. I have not received any communication from this company. I should have received a dunning letter. According to my credit report, the account was opened in XX/XX/2019 and first reported XX/XX/2019.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and XXXX ). I've submitted this complaint 4 times & you are claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and XXXX are violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see that this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks LVNV FUNDING LLC XXXX
Consumer complaint received 2022-04-04
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. (MD)

I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, Experian, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, Experian, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian, XXXX, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If Experian, XXXX, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. 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. Please delete the account : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX  Balance {$8100.00}
Consumer complaint received 2022-04-03
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. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXXXXXX XXXX Account # XXXX. 
XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My debit card was fraudulently charged {$1500.00} by XXXX in New York. I complained and was only credited {$540.00} and I was told that they determined there wasn't an error on the transaction ( s ) totaling {$1000.00}. At first they credited me back the whole amount and said if they provide evidence that my charge ( s ) is valid, it will be removed. I don't feel I got a logical explanation as to how this was determined. I do not have an XXXX Account and I live in New Jersey. I don't understand how they feel some of the charges were fraudulent but not all of them. I have been fighting these charges for months. The last letter I received from BOA last month stated " unfortunately, we're unable to approve your recent claim. The charge was authorized by you or made by someone who has permission to use the card or account. '' They have not told me how they came to this decision or shown me any proof that I gave someone permission to use my card. This has caused a financial burden for me. These charges were taken monthly from my debit card for a few months before I realized and never in my life have I ever dealt with XXXX nor do I know anyone that has this service so I did not authorize anyone to use my card.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I faxed a letter and mailed a letter to remove my fraud alert and it still remains on my account. I just want this fraud alert removed this process should not take 3 months to complete.
Consumer complaint received 2020-09-16
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. (CA)

XXXX XXXX XXXX XXXX XXXX wrongfully flagged me to credit reporting agency Experian with an account that is NOT affiliated with me/my social security number. They ruined my credit score and by extension my life. When contacted, they were not conducive nor respectful. 

I was notified by my own bank that there's abnormal credit activities on my credit report, namely a XXXX credit card account -- XXXX XXXX XXXX -- that I have no knowledge of ( and it's over credit limit ). After spending one hour, through Experian, I found out that it's a XXXX XXXX XXXX XXXX XXXX account with the account number and associated billing address, both for which have nothing to do with me. I spent more than another solid hour to call the XXXX number affiliated with the card ( XXXX ) XXXX for 5 times and went through a maze of voice prompt without being able to reach any person, which seems to set out to frustrate/deter consumers. Then I spent the next entire THREE hours talking to XXXX XXXX general customer service representatives at XXXX for 11 times and put on hold for numerous times and got disconnected numerous times. The basic fact is that XXXX XXXX credit card unit admitted that they couldn't find any affiliation between my social security number and that account fraudulently linked to me yet they posted that account and its abnormal activities my credit report. During the process of my trying to figure out what is going on and who are responsible for this error in order to hold the responsible ones accountable, I was repeatedly disconnected after the XXXX representatives put me on long hold under the pretense that I'll be connected to supervisor or someone who has authority to right this wrong. After each repetition of descriptions, I was put on hold for over 20 mins then randomly got disconnected. This process repeated no less than 11 times in total. 

And how can a financial institution producing many financial products/credit cards treat consumers with such detrimental negligence and utter irresponsible disrespect!? XXXX XXXX must be held accountable and so are the specific individuals involved in this matter!
Consumer complaint received 2022-04-04
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX