davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
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. (FL)

I requested a refinance of my car with XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Florida, on XX/XX/2018, of which I was a member of at the time. They did two hard inquiries when it should have been one which is affecting my credit score. I have contacted them, but was unable to resolve the problem.
Consumer complaint received 2022-07-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I opened an account with TD bank and did an external transfer from my XXXX account to fund my TD bank account in the amount of {$4900.00}. I closed my XXXX account after the funds were collected. The funds were locked in my TD account and they stated I had to provide proof of ownership. I came to the branch and provided a bank statement and they said the funds would be available the following day. The funds were not available the next day. I went to the branch and TD informed me that they sent the funds back to XXXX. I contacted XXXX and they informed me that they cant receive funds back to a closed account and that the money would be returned to TD. I waited two days because I know from doing external transfers it takes about 3 days for the funds to settle in an account. I called TD over the phone and spoke to a supervisor who started a trace on the funds and provided me a case number of XXXX. She advised me the case would take 3-5 business days and I could call back or go in the branch. After 5 business days I called back and they advised me that they located the money but I would have to go to the branch because they needed to send an email to deposit operations to redirect the money to my account. I went to the branch and spoke with XXXX XXXX who sent an email to deposit operations. She advised me the money would be in my account in three business days. The money was not in my account in three business days. I sent this transfer on XX/XX/2019 todays date XX/XX/2019 and the money is still not in my account.
Consumer complaint received 2024-02-09
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. (NY)

i am in the middle of a loss madigation approval and during this time i can not make payments for the loan until the loss madigation is completed, and they went ahead and files on my credit report that I'm late
Consumer complaint received 2022-08-18
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. (CT)

For years now I have been investigating my credit report. Companies such as Experian, XXXX and XXXX, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much emotion and mental damage and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

XXXX states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )
Consumer complaint received 2020-07-30
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX XXXX  XXXX {$3400.00} XXXX XXXX {$160.00} XXXX XXXX
Consumer complaint received 2022-08-18
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. (CT)

For years now I have been investigating my credit report. Companies such as XXXX, Equifax and XXXX, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much emotion and mental damage and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

XXXX states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My personal checking account was closed without notice on XX/XX/XXXX. The account was in good standing and primarily used for direct deposit and paying bills. 

I called customer service on XX/XX/XXXX and was told that I should receive a check for {$15000.00} within 7 business days. 

I called back on XXXX and was told that my account was actually closed on XX/XX/XXXX and that I should expect my check within 10 business days. 

I called again on XXXX and they told me to go to a local branch to resolve this. 

I went to a local branch on XXXX and they issued a new check but it won't arrive until XX/XX/XXXX at the earliest.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I went to the dispute resolution center to file a claim about a transaction from a fraud merchant. I was sold a product with no box that was defective and full price. The merchant scammed me which is appalling considering it was a business in XXXX XXXX airport. My credit union did little to nothing to investigate the company or the dispute and simply said they could not help me any further which is untrue and very complacent for an establishment that I trust my money with.
Consumer complaint received 2022-08-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NY)

COMPANY NAME RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX MI XXXX Reference # XXXX letter date XX/XX/2022 Balance {$5800.00} they want to suing me to collect this debt that was legal time limit [ statute of limitation ] have expired. It is a violation of the fair Debt collection practice Act 15 U.S.C 1692 to sue to collect a Debt
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I disputed this debt with this company this year asking for validation of this account and I received a bill in the mail from this company.I know my rights and a bill its not validation that I owe this alleged debt.This company hasn't provided proper validation and by law they need to cease all collections and reporting on my credit report.
Consumer complaint received 2020-12-17
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: CBC Companies, Inc. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports perXXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-08-18
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have 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 2023-04-05
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. (GA)

1. XXXX XXXX, HEY THIS ACCOUNT ( XXXX XXXX ) HAS BEEN ON MY CREDIT REPORT MORE THEN 7 YEARS AN THE OPEN DATE REPORTED IS INCORECT.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (NM)

Experian has already dropped my credit score by three points upon opening of investigation. Nothing has changed on my report, but today it's down three points.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NJ)

This debt was accumulated as I was the caretaker for my spouse for 5 years until she XXXX  in 2018 of XXXX XXXX & XXXX XXXX I was unable to work full time so this burden of debt was created. 
Now at the age of XXXX I am haunted and threaten by the bank and collectors of theirs. 
Please help me I have been sending half of my S/Security income monthly to them {$900.00} among the XXXXhree Institutions but their collectors are relentless. 

In my life time i would not be able to satisfy these debt and especially now with the pandemic and being unemployed for almost a year i am destitute.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I signed up for a free trial, then turns out -- it's basically impossible to cancel. They make it incredibly easy to sign up online, but -- unlike every other business I've ever interacted with in the 21st century -- they will not allow you to CANCEL online. You have to call this one number, during very specific hours, during which I, like most people, work. This is an unfair and predatory practice.
Consumer complaint received 2019-09-17
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NY)

I called BMW on several different occasions and notified them that they reported a payment late that wasn't late. BMW was only willing to send me a transaction statement that their own customer service agents cant even understand without putting me on hold several times. BMW reported early XXXX that my XX/XX/XXXX payment was 30 days late, however my payment was made on XX/XX/XXXX. BMW reported a 30 day late payment before the payment was even late enough for them to charge a late payment fee and the payment was reported late 30 days before 30 days had passed. I spoke with BMW 4 times and they agree that the payment should not have been marked late for XXXX but refuse to provide me with easy to read evidence stating just that. BMW also refuses to update the credit bureaus even though i provided them proof of the error. The error was reported to all 3 credit bureaus. BMW flat out refused to assist with correcting their error. I asked BMW for a letter to provide the credit Bureaus that specifically stated my XX/XX/2019 payment was not 30 days late and BMW representatives and a manager told me that's not something they can provide even though their system shows it wasn't late.
Consumer complaint received 2023-03-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XX/XX/2017 a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$160.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (FL)

First National Bank of Ohama is reporting late payments on my credit reports due to a transfer of accounts from XXXX XXXX  XXXX credit card. According to First National Bank this transfer happen in XXXX of 2022. I was not aware from both banks of the transfer of accounts. Please keep mind during my time with XXXX XXXX  I was never late with a payment because my account was on automatic payment from my checking account. The only way that I found out of the transfer because I answered a XXXX phone number that ask me personal questions of a account for XXXX XXXX XXXX Of course I did not give out personal information unless the company told me information about me. When First National Bank of Ohama gave me the information needed then we began to speak about the account. Please keep in mind of identity thief for giving out information to a company I never agreed to do business with. I spoke with XXXX the supervisor at First National Bank of Ohama and told XXXX I was not aware of the transfer process between XXXX XXXX  and the late payments should be removed. The payment was for XXXX dollars and I immediately paid that amount. The Fair debt credit reporting act give me the right to issue this complaint or take legal actions due to unfair practices by Fair National Bank of Ohama. Once the bank took over the account the automated payment should have been included during the process. Please understand, I am a consumer and have rights for fair reporting. If this transfer would have happen with notice and a new issued card to the address on file then this complaint would have never happen.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2020.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-08-18
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)

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 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-03
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-02-07
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: Ability Recovery Services, LLC (TX)

On XX/XX/XXXX, I sent Ability Recovery Services a certified letter requesting information on a collection of {$610.00} that is on my credit report. I asked for proof showing that this is my debt and I also asked that if they couldn't provide me with this information, to please remove the collection from all 3 credit reports so that they can reflect accurate information. 

On XX/XX/XXXX, Ability Recovery Services responded with a bill from their company and also a bill from the XXXX XXXX XXXX , XXXX, the collection agency that they purchased this account from, but I didn't receive anything from the original creditor where it shows that this is my account/charge/bill. 

I then submitted all of this information to all 3 credit bureaus, XXXX, XXXX and XXXX. The credit bureaus disputed this with Ability Recovery Services as well and they couldn't provide the credit bureaus proof that the account was indeed mine. On XX/XX/XXXX, I am writing CFPB to get them to remove this {$610.00} charge off of all 3 credit bureaus since they don't want to voluntarily do it and they can't provide me with proof. 

My certified letter was sent to : Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Federal Trade Commission CFPB XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXXFEDERAL TRADE FEDERAL TRADE XXXX XXXX XXXX, XXXX XXXX did not handle a simple broken phone issue. So we switched to XXXX because XXXX offered a contract buyout plan and {$200.00} credit card gift card. I had 60 days to do online paperwork for XXXX offer and give XXXX itemized bill for early termination fee. 
I wrote XXXX within 30 days asking for an itemized bill that shows the early termination fee so I would be able to submit to XXXX to get my offers. XXXX did not give me an itemized bill only a bill that states {$470.00} is due immediately which did not break the charges down. I went into a XXXX store to get the itemized bill, again I was given the aggregate bill charge. I wrote XXXX again with 45 days again I did not get itemized bill so I lost my offer with XXXX!!!! I was not able to submit the required information to XXXX because XXXX did not, would not or could not give me the information I requested 3 times. 
Now I get a bill collector notice. 
IRespectfully,