davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXXXXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT is a financial institution under the title 15 USC 6801. 15 USC 1681 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 who it relates. " XXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT '' the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT 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 non-disclosure option. XXXX XXXX XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 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 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

in accordance with the Fair Credit Reporting act XXXX  Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name 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 2022-05-14
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. (TX)

In accordance with the Fair Credit Reporting Act the following Acccounts have been violated. 
XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

i got a check from my grandma for my birthday for XXXX $ for this consle im getting and i went to go cash the check with my mom and the machine said error so i tried to cancel the transaction and it didnt work i didnt get my money nor did i get my check back i would just like to have my money back if possible
Consumer complaint received 2022-05-14
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)

In accordance with the Fair Credit Reporting Act the following Acccounts have been violated. 
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. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2022 I paid to stay at XXXX XXXX XXXX on XXXX XXXX. in XXXX, TN for a month. There were many problems with the hotel. One of the main problems was the cigarette smell. I already told the XXXX that I had XXXX and needed to be in a quiet and nonsmoking room. I also said I needed a room on the ground floor due to a XXXX  injury. I accepted the room on the third floor because the room had already been paid. However, a few minutes after taking all my belongings from the parking lot to the XXXX floor in XXXX trips by car, I noticed the strong smell of smoke after the doors had closed. I also noticed many other things. I wanted to leave when i started having XXXX and became ill. It was not until the morning of the XXXX of XXXX that i was able to physically leave. On the XXXX of XXXX I filed a dispute with Regions because the management said they do not give refunds ever for any reason and no exceptions. On the XXXX of XXXX, today, I was told on the phone that my money would not be refunded. I stayed in the hotel for two days, in which time I was very sick because management did not listen to my requests. I should not have to pay for this hotel. I paid {$1600.00} and I need my money back. I have suffered a lot due to XXXX XXXX XXXX and Regions. At this point, me and my son are XXXX  with no money at all. In addition, regions is holding money from my son for no reason at all and have given both os us a really hard time and made false accusations against both of us in the process. I feel tremendously XXXX  profiled and XXXX  against.
Consumer complaint received 2019-07-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc. (FL)

CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA Account was paid off and sold to another lender it ; s still reporting negative on my account it was disputed with the lender to remove and why it was paid late due to hurricane season and My sister passing of XXXX
Consumer complaint received 2022-05-14
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. (TX)

In accordance with the Fair Credit Reporting Act the following Acccounts have been violated. 
XXXX XXXXXXXX # XXXX XXXX XXXX bank na # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX orginal creditor # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

A friend from high school reached out and ask me to invest in a stock trading company. So I did. 

On XXXX I sent XXXX and on XXXX I sent {$540.00}. 

The website they used was : XXXX XXXX XXXX My class mates name is XXXX XXXX. The lady who runs the scam companys name was XXXX XXXX. 

My chase bank said they could not do anything to get my money back. 

The XXXX transaction on my attachment was also fraud. It was not me that did that. I think if was from me entering my account info.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I am currently enlisted in the PSLF/IBR program. Because the loan has been transferred among different federal providers they will not give me an accurate amount of payments received by them towards my repayment. Each call I give to company tells me they are months behind and no timeline for actual accurate count of months I have paid. Without telling me if I am still enrolled in the program I am unfairly paying higher interest rates with federal program instead of switching to a private lender. They are charging me interest for the loan however not responding to questions I need to make a fair decision.
Consumer complaint received 2022-05-14
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. (NY)

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1681 section 602 A I Have the right to privacy.
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2022-05-14
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. (SC)

I XXXX XXXX wrote Experian on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my Experian consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for Experian to remove these accounts from my consumer report but yet they are still listed. I demand that Experian remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If Experian wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX.
Consumer complaint received 2022-05-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I received multiple emails from XXXX XXXX XXXX for " XXXX rewards ''. I signed up for none of it. Someone used my name to open accounts. There was also a credit card agreement from Bank of America emailed to me on XXXX. I checked my credit report and saw there was a inquiry posted to my report from XXXX by Bank of America. On XXXX, I emailed 2 different Bank of America addresses ( abuse & security ) multiple times to inform them of fraudulent account activity. I have gotten no response. I contacted by chatting live on Bank of America website on XXXX. I said there was an account opened under my name. Gave my name and birthdate and a partial account number from an email i got. They said they couldn't help! 
I have emailed Bank of America security/abuse again with hopes to remove account. 
I have opened no credit cards or loan accounts of any kind this year.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX 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 2023-03-16
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: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-05-14
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)

RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have not given
XXXX EXPERIAN nor XXXX the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on my credit report.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
purpose I have not given XXXX XXXX nor TRANSUNION the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on my credit report.
Consumer complaint received 2022-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I submitted a hardcopy letter and payment receipt to my Mortgage company ( LakeviewXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 stating that I had already paid my property taxes for whole year ( paid in full {$840.00} on XX/XX/2022 ). I never received any reply or acknowledgement of my letter. I received an email on XXXX XXXX, XXXX  stating that a disbursement was made on my behalf for {$420.00} to my property taxes. I sent an inquiry as to why a payment was sent after it was already paid in full. I never received a reply. I called and resubmitted my inquiry on XXXX XXXX, XXXX  via their online inquiry page. I received an automated reply stating that my inquiry was being sent to the proper department for review and should receive a response soon. However, today is XX/XX/2022 and I still have not received any reply from this company! I have had the same problem with this company for the last three years. I have asked to remove the Escrow and just allow me to pay my property taxes and homeowners insurance on my own, which I already do anyway. In the last two years, I have had my homeowners insurance policy cancelled and I had to call to reinstate them because my Escrow sent the payment, but not with enough time to process a " bulk '' check to the company. I asked why they were still sending paper checks and " bulk checks '' instead of handling my payments electronically, or paying them directly from my Escrow to their company to avoid termination of my policy for not getting their " bulk check '' out in time. I never received an answer to that either... 
I have asked to remove the Escrow altogether because they are doing a poor job with taking care of things or following instructions. A mishandling of my money and time! I was told they couldn't remove the Escrow unless we had paid off a certain percentage of the loan. We have refinanced twice with this company and each time, they still XXXX something up. Since I am not worth the courtesy or a return phone call, a return email, or a follow up correspondence letter, I am filing this complaint now. I am tired of being ignored.
Consumer complaint received 2022-05-14
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. (OH)

n accordance with the Fair Credit Reporting act XXXX 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 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 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting acXXXX XXXX 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 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