davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AR)

US bank reliacard is unlawfully holding my daughters child support saying they need proof that I changed my address when in fact you have to show Id at child support office to do so. I have sent my DL and by their own admission and they made the mistake as to why it was sent and still have not released my childs money during a pandemic
Consumer complaint received 2022-11-20
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. (WA)

I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago
Consumer complaint received 2020-10-30
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. (TX)

Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report?
Consumer complaint received 2020-10-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc. (OR)

XX/XX/XXXX XXXX  XX/XX/ 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 ( This one I actually answered. She said her name was XXXX only after I asked and she wanted to speak with XXXX last name removed. I asked what is this in regards to? She said is this XXXX. I said, which company do you represent? She said is this XXXX? I can not discuss the nature of the call. I said well, I guess we don't have much to talk about then. She actually works for Carmax and is legally obligated to tell me what company she represents when she first speaks to me. TFDCA protects me in this case.
Consumer complaint received 2019-08-23
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 ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2021-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NV)

You guys lied! I called and gave me a hard time to deal with my deferment and didnt approve me for XXXX months! Listen to the call the lady was rude and didnt want to help! 

ACA is willing to approve the request for a one or two-month payment extension. ACA tried to contact XXXX XXXX by telephone on XX/XX/XXXX but was unable to reach him. XXXX XXXX is asked to call ACA at XXXX regarding his request for a payment extension. The account is notated regarding this matter, but we need to speak with XXXX XXXX in order to finalize this arrangement. While ACA has initiated an investigation of the complaint, we are still in the process of completing our investigation and finalizing our written explanation. We will submit a final explanation within the response period of 60 days after the filing of the complaint. In the meantime, if XXXX XXXX has any questions after reviewing the above information, he may contact ACAs Customer Experience Supervisor at XXXX
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (CA)

I'M IN THE PROCESS OF REFINANCING MY HOME AND A JUDGEMENT SHOWED UP THAT THE LENDER TOLD ME NEEDED TO BE PAID OR SETTLED BEFORE WE CAN MOVE FORWARD. I CONTACTED THE COMPANY REGARDING THIS ALLEGED DEBT AND THEY SENT OVER A FAX TRYING TO COLLECT FROM MY LOAN AT THE CLOSE OF ESCROW. I HAVE NO IDEA WHERE THIS CAME FROM AND I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-06-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

XXXX5 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 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022
Consumer complaint received 2018-11-15
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. (AZ)

On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.
Consumer complaint received 2019-08-23
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: Consumer Portfolio Services, Inc. (AL)

I pulled my credit the first week of XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Consumer complaint received 2021-07-07
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. (OK)

I filled a CHAPTER-XXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Consumer complaint received 2019-08-23
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. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-06-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong!

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. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
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 2018-11-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX keeps calling at work and i have told them to stop. They will not they threaten to damage credit and i have asked for a statement they say they do not provide this. The calls at work have to stop.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check that was for over XXXX dollars Saturday of last week and they told me it would be deposited in my account by Tuesday. then, when I went to the bank Tuesday they said that the deposit was delayed till Wednesday of next week. They received the money from the bank who issued the check on Monday of this week which was the Monday following the deposit I made. 
There has been no reason justifying why they withheld the deposit even after I called the 800 number to find out why they were doing this. 
I would have never deposited it with them if I had known they were going to do this. 
I need this money since I have someone in the hospital and have a lot of extra expense with electricity due to the heat waves we've had. 
So, this is really a disaster they've caused.The location of this bank of America I had so much trouble with is XXXX XXXX, XXXX, Tx. XXXX
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-02-03
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. (TN)

Experian has two bankruptcy accounts that are being reported on my consumer report, XXXX & XXXX. I have spoken with a clerk from offices of the bankruptcy court via e-mail and she confirmed that the bankruptcy courts does not provide information to any consumer reporting agency. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise their grave responsibility to respect my right to privacy. The reporting of this information has ruined my representation in commerce and has made it difficult to purchase a home. I have the e-mail attached for proof of injury. Experian will be held civilly liable for willful and negligent noncompliance for any failure to comply with this deletion demand
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (TX)

A bankruptcy was listed on my report and I requested for it to be removed on XX/XX/XXXX. I mailed my letter advising that Equifax failed to disclosed the source in which provides them with public record information and that they violated FCRA. The public record and XXXX XXXX was removed between XX/XX/XXXX. I received alerts advising that these were removed. On XX/XX/XXXX, I pulled my report and it has reappeared along with XXXX XXXX that was also removed. I am in the process of purchasing a home, and Equifax is holding me back. 

I spoke with a rep on XX/XX/XXXX, and she went through all the confirmations from XXXX to XX/XX/XXXX but was unable to find the dispute results that showed that these items were deleted. If I submitted my letter in XX/XX/XXXX, why not view XX/XX/XXXX?
Consumer complaint received 2020-12-13
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. (FL)

I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls. 

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2018-08-01
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. (NY)

This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ], letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.