davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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. (AL)

I recently noticed several accounts and inquiries on my Experian credit report that does not belong to me. 

XXXX XXXX XXXX ... Account Number : XXXX XXXX XXXX XXXX Bank XXXX XXXX Account Number : XXXXXX/XX/XXXX Bank XXXX XXXX ... Account Number : XXXX XX/XX/XXXX Bank /XX/XX/XXXX XXXX Account XXXX : XXXX XXXX Bank / XXXX XXXX Account XXXX XXXX XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX.. Account Number : XXXX Dept of ED / XX/XX/XXXX. Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XX/XX/XXXX XXXX XXXX Unauthorized Inquiry XX/XX/2021 XX/XX/XXXX Unauthorized Inquiry XXXX
Consumer complaint received 2022-06-19
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. (TX)

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. 

XX/XX/XXXX Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XX/XX/XXXX of inquiry : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian XXXX XXXX NA Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXT XXXX XXXX  XXXX XXXX of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian Date of inquiry : XX/XX/XXXX Experian XXXX OF XXXX Date of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Experian XXXX XXXX Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXDate of XXXX : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXX/XX/XXXXr XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/MILESTODate of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XX/XX/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 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 2022-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In 2020 I pulled my XXXX Credit Bureau File and found Portfolio Recovery Associates , LLC entered an ERROR on my file claiming I owe {$520.00} to XXXX Bank Nevada, NA. I do not owe XXXX any money, and I do not owe any money to Portfolio Recovery or signed any agreements with Portfolio. 

On XXXX I send Portfolio Recovery a Certified Letter, Return Receipt Requested, informing them of their mistake, objecting to owing them any money and asking for PROOF that I owe the debt. I asked for copies of any documents bearing my signature from XXXX Bank Nevada showing that I have an obligation to pay this debt. 

Portfolio responded on XXXX and FAILED to include any proof or any documents, order forms, etc. proving that the debt belongs to me. 

To date Portfolio refuses to delete their ERROR on my credit report causing me damages.
Consumer complaint received 2024-02-06
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. (TN)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$1100.00} This same information was previously placed on my EXPERIAN CREDIT REPORT disputed and removed under the name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED XXXX XXXX XXXXXXXX XXXX  : XXXX BALANCE : {$1100.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED My personal identifier information is being passed from company to company without my prior knowledge or consent. I have requested validation of debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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.

Because I have yet to receive any documentation regarding this account that is being published on my personal credit report that Experian Credit Reporting is providing. I am request that this account be removed from my credit report IMMEDIATELY.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

On XX/XX/XXXX of 2023. I contacted the debt collector. I stated that it was not my debt. I have never owned anything from XXXX so I should not have any collection. I stated the collection was not mine. On XX/XX/XXXX of 2023, the collection was updated only to say I have not paid the debt since XXXX of 2023. This is not my debt. This is unknown to me. I need this taken off of my credit profile.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are reporting on my credit report and i dont recall making any of hem and should be deleted
Consumer complaint received 2022-06-19
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. (NJ)

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian refuses to update my credit report to include my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX. 

I have had these accounts for 3 months now and they refuse to report them on my credit report. 

We are in the process of filling a class action lawsuit against Experian.
Consumer complaint received 2022-03-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (NJ)

Carvana should be investigating for fraudulently changing terms without sending anything in writing or giving any reason why. I applied for a vehicle to be financed with Carvana with using my vehicle as a trade in. When I filled out the application online they asked questions like are you financing or own your vehicle, what is the mileage and my vin. #,. I provided everything. They told me they would give me XXXX  for my trade in and the original terms were monthly payments if XXXX for 72 months at 20 % interest rate with no money down. I Signed a contract and provided all the documents they asked for including the payoff for my vehicle that I was trading in then today I get an email to call Carvana because my terms changed. Because I have a balance on my car of XXXX  and they are only willing to give me XXXX  for my car but XXXX XXXX XXXX  gave a value of XXXX  for my car because I have low mileage and my car is in excellent condition they changed the terms to XXXX down with 27 % interest rate with monthly payments of XXXX a month. I asked them to tell me why I had to give XXXX down If my vehicle was being traded and XXXX was going towards the vehicle. Even if they add the difference from my trade in value minus my payoff it would not warrant payments to be XXXX for 72 months. The purchase price of the car would be XXXX  instead of XXXX. Which means they would take the difference of what I owe from the trade in and add it to the new loan. They could not answer my questions when I asked for a copy of the terms in writing they refused to let me see the figures they quoted me over the phone. I believe this was all a game they were playing with me. I asked for a manager and the Gentleman hung on me. His name was XXXX. I want them investigated they changed the terms and would not put it in writing who does this you give me verbal agreement without giving me options to review. Who does business this way
Consumer complaint received 2018-05-17
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. (SC)

I had an in XXXX your of bankruptcy placed on my credit file. I filed a complaint with transunion and XXXX XXXX. The other agencies are not reporting any collections and XXXX XXXX sent me a letter thru the CFPB portal advising that they have removed that record.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NC)

XXXX is selling access to information I did not opt into, nor authorize. Its providing scores on data I can not see and it does not have a reasonable way to download a copy of what they are reporting on me to other companies. Because I do not know what's in this file they are reporting to vendors, I can not dispute what is in it and I have been financially harmed. I can not get my legally required free annual report from the website the government help setup. HELP
Consumer complaint received 2022-03-06
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. (OH)

I HAVE CONTACTED XXXX XXXX XXXX  XXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2018 an unknown person went to several banking institutions in XXXX, NC ( XXXX XXXX # XXXX, XXXX XXXX # XXXX ) and made cash withdrawals through Bank of America tellers. The offender had a copy of my debit card as well as my PIN number. Through a series of transactions they took {$3000.00} from my savings and {$3100.00} from my checkings and checked the account balances on an ATM at a fee of {$2.00} for a total of {$6100.00}. Bank of America provided me with a temporary credit for this amount and I submitted a claim. Bank of America then denied my claim on the grounds that the offender had my PIN number, which is protected information. I have never given my PIN number to anyone and there are a variety of ways that the offender could have illegally obtained it other than my telling them. I re-submitted the claim to be reviewed by a second financial analyst at Bank of America. Meanwhile I left Bank of America and withdrew all of my money. As a result, when Bank of America took back the temporary credit my accounts went negative. The second review of my claim was supposed to be completed by late XXXX but Bank of America has not yet responded to me with a conclusion. In the meantime they have closed my remaining accounts,  informed me I am no longer welcome to open accounts with Bank of America, and have attempted to collect the debt from me. They have indicated that if I do not pay the debt soon, it will negatively impact my credit for 7 years. I have disputed their attempt to collect debt and have submitted police reports with XXXX ( where I was living at the time of the fraud ) and XXXX.
Consumer complaint received 2018-12-12
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. (AR)

I am disputing all negative marks on my experian credit report due to the recent hack of account information in their system and their lack of informing me of this security breach.I had disputed these items but they came back verified, but are fraudulent accounts.
Consumer complaint received 2022-06-19
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. (NJ)

XXXX accordance with the Fair Credit Reporting act 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 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 2022-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MT)

I am being blocked from wiring funds from my account. I have complained about this previously to Wells Fargo and received a form letter telling me how to wire funds TO my account! I complained to cfpb and eventually received a letter from WF saying I was restricted to wiring {$75000.00} in 30 days, no waiver allowed. I did that but now it has been more than 30 days and I am being blocked from transferring ANY funds. As WF knows I can not go to my local branch, I am in XXXX. My name is XXXX XXXX. My phone is XXXX XXXX XXXX XXXX. This is URGENT. I believe this is RETALIATION by Wells Fargo for my previous complaint.
Consumer complaint received 2018-04-25
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. (VA)

I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain my credit report.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

This creditor Toyota Financial services account number for 2018 Toyota XXXX account number # XXXX and creditors ( XXXX, XXXX, XXXX ) has violated my rights per frca 15 u s. Code {$6800.00} Obligation with respect to disclosure of personal information.

15 u.s.c. 1681 a ( 2 ) ( I ) 15 u s. Code $ 166b timing of payment
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a platinum member of Bank of America ( BOA ). 

I received a 1099 for interest income on my checking account ending XXXX and savings account ending in XXXX. 

But no interest for a Bond deposit transaction on the checking account which took place on XX/XX/XXXX? 

It was a XXXX Bond redemption value of {$10000.00} each at ab interest of {$7800.00} each for a total of {$31000.00} at a total interest of {$23000.00}. 

Called BOA on XX/XX/XXXX and spoke to XXXX from New York. He could not find a record of the bond deposit? 

I explained to XXXX that I had a photo copy of the bond deposit made at their branch on XXXX XXXX, XXXX XXXX, FL and further explained that at the time the deposit of {$31000.00}, was first shown on my account then a day later it was removed??. 

After phone calls at that time with BOA with BOA noting the photo copy of the transaction and adjustment was made and the amount of {$31000.00} was restored on my account. 

As XXXX checked further he did come across an adjustment made on XX/XX/XXXX of about {$30000.00} but did not confirm the exact amount of {$31000.00}? 

He then gave me a case number of XXXX and said they would be getting back in touch with me and if I did not hear back from them to give them another call, Since was getting close to Tax time, I called back on XX/XX/XXXX and got a woman on the phone. I did not have to give her the case number because she said she ha my information. She then said that the bond transaction did not show on my account? When I pressured her further she said I would not need a 1099 for that transaction which did not seem correct. She also did not seem very knowledgeable. 

At the risk of being audited and reflecting how the original transaction took place back on XX/XX/XXXX, first the {$31000.00} was on the checking account then it was removed? Then after phone calls from my XXXX daughters, who made the deposit with my wife, and myself, the {$31000.00} was restored on my account. I thought I should report this plus I believe I am going to need a1099 from BOA reflecting that {$23000.00} interest income for my taxes. 

I would appreciate your help