davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (LA)

Experian XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I received a copy of my Experian credit report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Consumer complaint received 2023-01-23
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: CAINE & WEINER COMPANY, INC. (TN)

Violated my consumer rights : XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX Code ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : Caine & Weiner Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I opened a business account with Chase in XXXX. I have been a chase customer since I was XXXX XXXX XXXX. My company is a web design company. On XX/XX/XXXX, I received a letter on my business account saying " We placed a hold on a recent deposit '' for a deposit of {$300.00} on XX/XX/XXXX stating the amount will be placed on XX/XX/XXXX. Also the same day, I received another letter saying " You can not use your account ( s ) and we will close it soon. '' This was caused " of recent activity on the account, or because you didn't provide information we requested. '' They could not provide me any good reason. The customer service rep told me I should be receiving a check for the amount of {$9600.00} in 10 days. After 2 weeks, I went inside a Chase Branch and women that was helping me called the fraud department and they said they are reviewing the funds and will release it once it has been reviewed. Every month I would call the fraud department to get an update and they would say " it's still under review. '' Just recently, One representative told me some of the funds have been approved and some were sent back due to chargeback. I called again and Another representative told me that all funds were charge backed except for 2 which was a total of {$500.00}. Both of these representatives in the fraud department have been telling two different stories. Chase has never sent me another letter since XX/XX/XXXX. I have not been updated on any of the procedure they were doing unless I called. If chargeback did occur, I have not received one chargeback letter from Chase regarding the amount or which customer. I have not been updated which check are being reviewed. I have fulfilled all these customers orders with my own funds without knowing if I received a chargeback or not. Since then, I have put my business on hold/pause, because I can not run a business like this.
Consumer complaint received 2023-01-27
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. (KY)

In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take. 
All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the 1099-c form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off Experian balance  update is XX/XX/XXXX XXXX is XXXX a XXXX  update of XX/XX/XXXX and XXXX is reporting a update balance on XXXX is also reporting XXXX high balance of {$430.00} and XXXX and experian doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXX XXXX  XXXX is being reported as charged off Experian balance update is XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX and XXXX is reporting balance update XX/XX/XXXX XXXX is reporting a high balance of {$1000.00} and XXXX and experian is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting XXXX update XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX XXXX  is reporting XXXX update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors XXXX. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on experian XX/XX/XXXX XXXX  is reporting a balance update XX/XX/XXXX and XXXX is reporting a balance updateXXXX XX/XX/XXXX XXXX and experian are reporting a past due balance of {$2900.00} XXXX is not reporting this XXXX. XXXX XXXX  XXXX  XXXX is chharged off and experian reporting a balance update on XX/XX/XXXX XXXX reporting balance update on XX/XX/XXXX and XXXX is reporting balance update on XX/XX/XXXX XXXX and experian is also reorting a past due balance of {$520.00} XXXX  is not reporting this information XXXX XXXX XXXX XXXX is reporting as charged off experian is repporting balance update on XX/XX/XXXX XXXX reporting balance update XX/XX/XXXX XXXX is reporting balance update on XX/XX/XXXX XXXX  and experian is also reporting a past due balance of {$1000.00}
Consumer complaint received 2023-01-28
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. (MI)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX and XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. 

Both XXXX XXXX XXXX and XXXX are Violating my rights.
Consumer complaint received 2023-01-27
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. (KY)

In accordance with the Fair credit Reporting Act the creditor XXXX XXXX XXXX XXXX  and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile
Consumer complaint received 2023-01-27
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. (MI)

I have disputed properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends.

I am always connected to a foreign customer service agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights
Consumer complaint received 2022-06-07
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: United PanAm Financial Corp. (NY)

In accordance with the Fair Credit Reporting act United Auto Credit Co, has violated my rights.

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2023-01-28
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXX Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Balance {$3100.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX  XXX Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding. 
I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.
Consumer complaint received 2023-01-27
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. (CA)

I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have had XXXX separate disputes regarding loan information being provided by Santander. In each dispute Santander had to update change or correct multiple fields each time. XXXX XXXX  of the changes were to the same fields. Dates and amounts of payments, principal remaining, interest rate, payment history and others. In XXXX XXXX XXXX my principal balance was reported as {$0.00}. The following month it had ballooned to {$12000.00} directly affecting my credit score. The principal owed and payments amounts and dates have been changed or corrected XXXX times. The same fields were corrected XXXX or more separate times. It has directly affected my ability to secure financing. Another financial institution advised me to check the reports being made by Santander. The repeated false information and inability to provide correct information about same items and having to change these items so many times is breaking the fair credit reporting act.
Consumer complaint received 2023-01-27
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. (NY)

Under the GLB Act of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. I did not give your Company permission to report anything to my private property my consumer report. This is fraud
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited a cashiers check my cousin had made out to me for funds he owed me during the pandemic and for some reason a few days after it was XXXX Bank of America blocked my account without any explanation. Now I know Bank of America is into their highly illegal business practices of using frozen assets to make money off of but do that to illegal funds not hard earned funds. Ive been without my money for XXXX months and I have bills to pay. This is ridiculous and they refuse to give me any explanation other than the account is under review. This is unfair and unjust and I feel a level of some sort of prejudice towards people of color on Bank of Americas part as another friend is going through this same issue and they keep failing to provide any reasoning towards this issue. This is an issue I think needs to be looked into at this institution and thats the level of prejudice they have against minorities and people of color with the freezing of their money and assets whenever they feel like it.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (LA)

Wellsfargo.com will not let me enroll to use the website for a new card. It tells me to call. I have called 5 times and no one there can fix it. They ask me the same identity verification questions and then do nothing. I have not had access since I received this card. I can not pay my bill or view any transactions because I can not access the website. 

Then they told me to go to a branch, but there are no Wells Fargo in the state of Louisiana.
Consumer complaint received 2022-12-03
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 — Problem with personal statement of dispute
Company: CURO Intermediate Holdings (VA)

I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Dear Southwest Credit Systems ; XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MO)

I want to file a complaint with Synchrony bank for unethical and deceptive practices towards their customers. On XXXX I signed a payment contract at XXXX XXXX for XXXX XXXX dollars a month until the full amount of XXXX was paid off. Ashley furniture stores finance company Synchrony bank took my account. I set up my account for auto payment. On XXXX XXXX the full balance amount of XXXX us dollars was charged to my bank account. I called them and they said it was a glitch in their system. The problem was fixed and I was reassured it would not happen again. On XXXX XXXX the full amount was charged again. I called them and they said they couldn't fix their glitch this time around. Leaving me penniless and over drafted bank accounts. This caused me a lot of financial scrutiny and stress. I did some research on this company Synchrony and they have over 600 complaints about this practice they use for their customers. I believe it is fraudulent and unethical.
Consumer complaint received 2023-01-21
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. (OH)

Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX