davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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 Report Act 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. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

On XX/XX/XXXX I filed a dispute with Chime due to a car warranty contract I was paying for but didn't have the car in my possession because it was inoperable. Within 10 min after filing my complaint my dispute was denied stating no error occurred. At this point I had not even had a chance to upload any of my documentation. I requested to have the case reopened on XX/XX/XXXX as well as XX/XX/XXXX and submitted my tow and repair receipts along with the communication between myself and the company- which included my multiple requests for a refund. Each time my dispute was once again closed within an hour stating no error occurred. At this point I requested for the disputes team to submit documents to me to see why it was determined no error occurred. In return I got a blank sheet of paper stating no error occurred stating they were unable to reach merchant. I have attached this document to this complaint. I received the same document 3 separate times. The final straw was me escalating to a supervisor and having them submit the dispute again on a Saturday evening ( XX/XX/XXXX ). I received an email on Monday morning at XXXX saying the investigation was closed and no error occurred. However the merchant is closed on the weekends so how did the investigation be completed? I feel that my dispute is not being handled fairly due to the disputes representatives either lacking or have no knowledge of how a dispute works or of Reg E laws and guidelines. I have done research and see that there have been other customers from Chime that have had their claims closed within minutes or not thoroughly investigation at all and causing customers hardship. I am requesting an overhaul or thorough investigation to be completed on my dispute, along with a coaching and training opportunity with the Chime disputes and fraud team. I do not have confidence that my funds are or will be protected by this company.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/2021 XXXXXXXX XXXX  in accordance with the law fair credit reporting act your company has violated my right 15 usc 1681 stated. i have the rigth 15 usc 1681 section 604 A it also stated a consumer reporting agency without my permission
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (TX)

I called Capio Partners to pay off XXXX of my debts and also to advise them that the items was no longer a disputed item. They said it was not in dispute yet it keeps reading that on my credit report and after XXXX plus minutes on the phone I was transferred to several people and forced to pay XXXX bills ( XXXX which I never knew ) was in collections. After explaining that I was reading this information from my credit report because I 'm trying to move they threaten me with the XXXX new items that was never advised to me I had. He said I had to pay them all and that the new XXXX items was going to hit my credit report within 10 days. It hit my credit report on XXXX XXXX 2015, but on the credit report it says XXXX report XXXX 2015 and then report again in XXXX. This is n't true because I 've had my credit report pulled every month for 7 month since trying to get a house and they knew this once I called them to pay and they threw these items on my credit report and dropped my score and still report them as being disputed. Now I 'm being held up with my closing date. They would n't even take my money for a XXXX of them. They said I had to pay all.
Consumer complaint received 2022-08-30
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 (TX)

I notified Bank of America that two unauthorized charges in the amount of {$13.00} was debited from my account on XX/XX/XXXX by XXXX XXXX. I did not and have never authorized a charge from this company. 

Bank of America informed me that the charges were made using an electronic debit card. The debit card in question for this account has never been used or activated and is secure in my safe at home. Bank of America indicated that they would investigate the charge and get back with me. They acknowledged that there have been complaints regarding this same company. Please see link of other customers who have reported the same. https : XXXX Bank of America informed me that they would be cancelling the debit card and reissuing a new one. They also said that reversing the charges would be pending an investigation. The funds have not been deposited back into my account as of XX/XX/XXXX. 

Also, I am concerned that their has been a breach in security of accounts at Bank of America and that my other accounts ( check, savings and credit cards ) are not safe.
Consumer complaint received 2022-08-30
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: PENTAGON FEDERAL CREDIT UNION (KY)

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

15 U.A.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 2019-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

in XXXX of 2019 LVNV placed a collection account on my credit report without contacting me first to allow me the chance to dispute and request validation and substantiation. In XXXX of 2019 i requested Validation and substantiation from LVNV via certified mailed letter and they only responded telling me that i had the right to request substantiation but never provided me with the actual documentation that would prove they had the legal right to try and collect on this alleged debt. I sent my request certified mail and my dispute was not properly handled by the company. LVNV has also continued to report this debt as valid although they have failed to provide substantiation on several occasions via online disputes with the Credit Bureau, Specifically XXXX. Due to LVNV failing to provide the substantiation information i requested in XXXX this account needs to be deleted but the company refuses to delete it although they didn't provide appropriate documentation to me in time. This company also placed the collections on my credit without giving me time to dispute the alleged debt.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (TX)

I have sent several letters to XXXX asking them to verify the accuracy of several items on my report since they are reporting differently across all three bureaus, they do not have my consent to report them AND they are inaccurate! The first time I asked them to verify the accounts, I received a copy of my report saying they were verified, then a letter stating it didn't look like I was the one disputing the inaccuracies. See attached letter. I've received this twice now. 

The second time, I asked for the proof that shows they verified the information, sent me a copy of my report and then they sent me a letter stating it looks like it wasn't me AGAIN asking for the verification, but some other company. I sent them proof of my address and a copy of my driver 's license EVERY TIME I HAVE SENT A LETTER. I resent the disputes and they sent me the same letter again!!! 

I want these accounts removed from my XXXX report immediately! They are breaking the law! 

Per US code 1681 e ( b ) Accuracy of Report - Whenever a consumer reporting agency prepares a consumer credit report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Therefore it should be 100 % accurate across all three bureaus. How can these accounts possibly been verified? 

AND US code 1681b ( a2 ) states that consumer reporting agencies are not allowed to put anything on my credit report without my written consent!! They have not proven this either!!!
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX  XXXX has violated my privacy according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-04-14
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)

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 : 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 2022-08-30
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: Bridgecrest Acceptance Corporation (SC)

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

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

12 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 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust Bank now Truist, went through their transition this past weekend. Prior to this, they informed their customers in writing that all ATMs would be down and they would refund all fees incurred to use a non Suntrust/BBT ATM. I called this morning and after waiting on hold for 1 hour, I spoke to XXXX and she refused to refund the other financial institutions fee for using their ATM. She had the nerve to tell me to contact them for the refund or file a claim. Like what?? She also refused to connect me to a Supervisor because there are none. Now she has me on a silent hold hoping that I will hang up. I work for a larger FI and I know how this works. That other bank is going to send me right back to Truist and im not wasting anymore time. Refund my {$6.00} 2 and the {$3.00} now! Their policy is unfair and deceptive and im sure a major reason for the long wait times. This bank has been XXXX poor for your years but I only remained because ive had my relationship for 18 years. They need to get with the times.
Consumer complaint received 2022-08-30
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: TRUIST FINANCIAL CORPORATION (TX)

To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with Truist financial institution. I currently have one commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. Truist 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with Truist the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

on XX/XX/2020, i sent a letter to PORTFOLIO RECOVERY Disputing a alleged balance of {$720.00} that i do not owe.i have not receive anything that i requested in the letter and has attached a copy of the letter below.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Consumer complaint received 2024-02-14
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. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.Furnish information about accounts or other relationships with a consumer that is accurate.C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-09-01
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)

Equifax is reporting a TAX LIEN on my credit report that 1. is over ten years old and needs to be removed & 2. The reporting and filing status is completely bogus. I had paid this long time ago. 

I reached out to Equifax over two times and today will be the 3rd time. This tax lien is keeping my husband from qualifying fo r a new home since they consider my debt. 

Please help me get this resolved with Equifax so I can make a better life for my family. 

Thank you
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I had a problem with XXXX XXXX XXXX and my issuing bank, First BankCard ( subsidiary of First National Bank of Omaha ) is not responding to requests for further assistance. When I first contacted them XXXX/XXXX/XXXX, they initially denied my case ( XXXX/XXXX/XXXX ) stating payment was due to the merchant for goods or services provided. I called and spoke to a supervisor named XXXX and explained it all to him and he more or less assured me that I could win the case and get my money back. However, on XXXX/XXXX/XXXX, they denied it again for reasons I 'm still not understanding. I mailed another letter XXXX and have yet to hear from them. I then faxed the manager of the department XXXX XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and again, I ca n't get a response.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.