davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
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)

I have tried to contact Equifax on the issue of the violation of which needs to be resolved. 
I did not give my written consent to have the following items reporting on my consumer report, and No consent is Identity Theft. 

XXXX XXXX XXXX XXXX Ithink XXXX XXXX XXXX Under 15 U.S.Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) 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 would like to have proof providing that I gave written consent for these items to report on my consumer report.
Consumer complaint received 2022-04-09
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. (MS)

in accordance with the Fair Credit Reporting act Convergent Account 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 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN INSTRUCTION
Consumer complaint received 2019-11-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (NV)

I contacted the company to whom the debt was old and was told they no longer had the debt that it was with an agency. I tried to dispute it with all 3 credit bureaus because the debt is over 6 years old and was told it would remain on my credit and my credit would be damaged forever and they would not remove i the guy laughed at me and said I should be more responsible
Consumer complaint received 2021-04-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Approximately six months ago I opened a safety deposit box with the BOA XXXX  location in XXXX XXXX California. ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). 
Ever since opening that deposit box, I have had trouble getting access to my box. Either the bank closes because they don't have staff or the bank uses Covid as an excuse to close the branch. 
On Saturday I went to the bank to obtain my passport from my box so I can travel out of the country. 
Again the bank was closed. There were no signs posted up. There was no email sent to client 's of that branch. Nothing was done. They just closed. As a result I was unable to obtain my passport and therefore had to cancel my trip. 
I went to a different location and I asked them to call someone to come and open the bank because I need my passport to catch my flight. However, they did not help me out. 
I asked them to refund me my money since I paid for the box and I don't have access to my box. Assistant manager XXXX refused to refund my money. This is unacceptable. They charge you a fee upfront for the safety deposit box and they do not give access to the box. They said that they didn't have enough staff so they closed down the bank. No one gave any type of notice. They did not even bother putting up a sign at the door. 
At this time I have been charged for a service that I am not receiving. Therefore, I am making this complaint. Lastly, I had to postpone my trip causing me financial hardship as a result of BOA 's closing of the branch.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (UT)

For several weeks Simple Bank sent notifications from BBVA Compass saying that they would end the Simple Bank service but for the time being we would keep our account numbers and continue to use BBVA Compass service to manage our accounts. On XX/XX/2021 they shut down Simple online access but I was not able to create or log into an account through BBVA. I tried the following : - if I try to log in : credentials not valid, account locked - if I try to recover my username : information is not valid - if I try to recover my password : my information does not match the records - if I try create an online account : every username that I pick is not available I managed to use the automated phone system to check the balance of my checking account but I was not able to check the balance of my savings account. The phone system said my savings account could not be identified. 

I tried calling BBVA customer service but gave up after being on hold for a long time and after seeing tweets from BBVA that they were having issues with their call center causing them to drop calls. 

All I want to do is log into my online account through BBVA so I can verify the status of my checking and savings accounts.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My problem is with Bank of America. I had had a credit card with them and every payment I made was returned and by the time I called in XX/XX/2021 explaining how my payments were being returned for no reason I had too many returned payments and they shut my card off and closed the account, impacting my credit score negatively. I since have been trying to pay off the remaining {$600.00} on the credit card and they are now deducting the money from my debit card and not putting it towards my credit account. The {$35.00} from last month and {$87.00} from this month I made on XXXX are still deducted from my checking and have not been applied toward my credit account at all. I called today XXXX and told them this issue keeps happening and they said they will try to reimburse the {$35.00} late fee I was charge, but their system is down. They also stated the reason my payments are but going through is also because their mobile payment system is down. If their system was down why is money being deducted from my account and not being applied anywhere? This is beginning to negatively harm my credit score tremendously and it has been on going for months.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP (CA)

On XX/XX/22 I spoke to a representative of KeyBank, he demanded my personal info including my SSN in order to close an account that I didn't open. They sent me a credit card I never requested and now I can't cancel it. They have no physical representation in CA, so I'm unable to go to a branch to close the account they opened, and I won't provide personal info over the phone due to identity theft concerns. Please help me close the account I didn't open.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the XXXX XXXX XXXX  and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2022-04-09
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. (TN)

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

4 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

6 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

7 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

8 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-09
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. (TN)

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

4 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

6 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

7 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

8 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Company said we were 30days late for XXXX and it was only XX/XX/XXXX and reported it to Experian. As a result my credit dropped by XXXX points we have called several times and this company was rude everybody rude, lying, and downright trying to play you for a fool. They are con artist to the fullest.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

My XXXX XXXX XXXX debt was sold to " IC SYSTEM INC ''. Did not receive written notice of the amount that was owed. I found out when by an XXXX report email that my account was flagged. I disputed because of the Natural Disaster in Texas, the Ice Storm. I had some repairs on my home and tried to seek Fema assistant. The Dispute was open on XXXX the XXXX and close on XXXX. I call XXXX  and the representative stated they my comments was deleted by the collection Agency. I open another disputed the amount verified by the company. Just open this on today. The collection has flagged my credit five times in less than a month. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (AL)

I call to make arrangements to pay my car note. The representative set up my payment arrangement. I was never made aware, that this arrangement would result in a negative credit rating. I monitor all 3 of my credit reports, and my score was reduced XXXX points. 
I called to discuss the matter and was informed I had paid 30 days late. I was also told by the representative, there was no need to dispute this, because it will lower my score even more.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Account # XXXX Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ( XXXX, XXXX ( XXXX, XXXX ( XXXX ( XXXX, XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and XXXX XX/XX/XXXX XXXX Cc : XXXX XXXX  States Attorney General
Consumer complaint received 2022-04-09
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. (FL)

Fact they can not seem to grasp their so called reporting and analysis ofmu score will never be correct because they do not have the latest correct information they NEVER DO because the system is designed NOT TO REPORT the latest except negatives. They know this, you know this we all know this is total fraud and in my opinion deliberately reporting wrong and blaming everyone but themselves.
Consumer complaint received 2022-04-09
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. (CA)

There were some fraudulent inquiries on my credit report, so I called the XXXX reporting agencies and informed them of my situation. They all told me to file a ftc report which I did and attached my dispute letter, ftc report, ID, SS card and a copy of a utility bill. Its been about XXXX weeks since I've sent this out and I haven't seen any improvement on the removal of these fraudulent inquiries, they are all still there even though i did everything the bureaus told me to do.
Consumer complaint received 2022-04-09
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. (MO)

in accordance with the Fair Credit Reporting act XXXX  Accounts # 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 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In accordance with the Fair Credit Reporting act MIDLAND FUNDING 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. 

Back in XXXX, and XXXX I sent Midland Funding a letters asking for validation for this Unknown account. through USPS XXXX mail service.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The XXXX XXXX and XXXX XXXX FCRA states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and XXXX  days after XX/XX/XXXX or XXXX days after the XXXX national emergency ends. ** XXXX XXXX XXXX XXXX XXXX reporting late payments to my credit report from months XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX. However, I had followed all steps of making a valid payment arrangement which was approved in writing by XXXX XXXX  via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AZ)

I tried calling FedLoan ServicXXXX on XX/XX/XXXX but didn't get in touch with anyone. I called XXXX  XX/XX/XXXX and spoke with XXXX XXXX but didn't get any luck. I was calling about a FEDLOAN account ( XXXX ) not being updated since XX/XX/XXXX, which is odd because I have not missed a payment at all.