davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, account numbers : 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 2022-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (FL)

Amount of debt : {$1500.00} Date of Service : XXXX XXXX Provider of Service : HCA Florida XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from HCA Florida XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to HCA Florida XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX, I reached out to Coinbase ( crypto  exchange ) in regards to my account being locked. Coinbase reps advised I would receive a response in 24-48 hours. Never received one. Reached out again a week later, was advised the specialist team would reach out in 6 days. 9 days later, no response, so I followed up again. Received a generic ( bot ) response advising I wait another 6 days, so I reached back out 7 days later, just to receive the same response, again. This communication pattern continued. It is now XX/XX/2022 ( almost THREE months after my initial request ) and I have yet to receive any update in regards to my hard earned funds that are locked within Coinbase. I am not allowed to withdrawal, buy or sell any of my assets because they have locked my account for unknown reasons. I have even tried reaching out via social media and have chatted with 10+ representatives who all give me the same response a specialist is working on your account. I am utterly shocked, disappointed and distraught about this entire experience, especially from arguably the largest and most well-know crypto exchange ( Coinbase ) who just recently IPOd! 

I am simply looking for someone to HELP me access MY funds ( thousands!! ) and assets that are tied up and in THEIR possession. I have been rational and patient but at this point I feel like my messages and emails are getting me nowhere. PLEASE help. Thank you!
Consumer complaint received 2022-06-08
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. (CA)

Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-06-25
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. (MO)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$20.00}
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

I do not know how this is on my credit. I was barely XXXX and the CARD ACT strictly says that i must be with cosigner in order to have a credit card which is why i cant get one now. This says i opened this in XX/XX/XXXX - in addition it says in order to have a credit card you have to prove you can support your self, but i still to this day live with my mom, i have not had a job at all and only go to school, i have an allowance of {$20.00} dollars per week IN NO WAY DID I EVEN KNOW I HAD THIS CARD OR APPLY FOR THIS CARD OR USE THIS CARD, I DEMAND THIS REMOVED FROM MY CREDIT REPORT. I AM STILL LIVING AT HOME, BUT I PULLED MY REPORT TO SEE HOW TO LEARN TO START BUILDING CREDIT AND I FOUND THIS ON THERE I DEMAND IT REMOVED I DO NOT OWE YOU MONEY AND IF YOU SENT ONE TO ME THEN HOW IN XXXX DID I NOT KNOW BECAUSE I COULD NOT HAVE BEEN APPROVED THEN AS I WAS XXXX YOU ARE BREAKING THE LAW AND THE CARD ACT OF XXXX SAY YOU CAN NOT APPROVE ME REGARDLESS SO WHO DID YOU GIVE THIS CARD TO REMOVE THIS OR I WILL GO TO XXXX, NEWS STATIONS AND ATTORNEY GENERAL I AM A KID STILL AND YOU RUINNED MY LIFE BEFORE I EVEN GOT STARTED I WILL ABSOLUTLYE FIND A LAWYER AND SUE IF NOT REMOVED IMMEDIATLEY AND I WANT PROOF ITS BEEN REMOVED WITH OUT ANY FURTHER DELAY.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NC 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 an account without my written instructions
Consumer complaint received 2022-06-25
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. (TX)

In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (OH)

Charged $ XXXX service fee on checking account when funds dropped below {$5000.00}. This happened for 5 months in a row, even though I had over {$15000.00} in savings account at same bank and only wrote XXXX or XXXX checks in a 7 year period, likely no more than XXXX during the time I was being charged the exorbitant service fee. I want to know what service I received for my money since there was little or no activity on that checking account. Also, it took XXXX phone calls to get PNC bank to agree to give me the rewards that I had already earned and twice been denied when I decided to take my money elsewhere. The bank only agreed to send me the rewards money after I told them that I was filing a complaint with this government agency.
Consumer complaint received 2022-06-08
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. (AL)

In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a copy of my credit report and noticed a few accounts that are 100 percent not accurate. I was unaware of the consumer Burea and other companies reporting fraudulent accounts on my report. I did not authorize or give written consent by law. FCRA states that I can challenge this by law. 15 USC sec 1681i ( a ) They have not provided any proof to me. this is fraud. I have requested 100 proof with my wet ink signature and they did not provide or respond to the allegations that they have in my file.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is closing my account without explaining why. 
1. First event happened when the bank could not explain who was getting into my credit card account and being able to tell me what amount is left on my credit card. 

2. XXXX, after speaking with the bank for over 90 minutes on XXXX separate calls. The bank was not able to see or explain a deposit that was placed in my account. Within a few hours there was XXXX " debit holds '' placed on my account and the bank was not able to explain who and how someone was getting into my account being able to deposit and then withdraw monies from my account. 

Instead of the bank trying to figure out who or what was happening to my account and credit card, they decided to close my accounts " without explanation ''. 

XXXX, deformation of character, and embarrassment has been caused by the closing of my accounts. After over 35+ years my accounts are being closed without any JUSTIFICATION. 

Currently, I have XXXX  monthly direct deposits to these accounts. 

Your assistance would be greatly appreciated
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I had an issue with my mail and apparently my Wells Fargo account that I had for years went overdrawn by XXXX and I only found out recently. I also found out that they had reported me to some type of Check Monitoring. I paid the {$62.00} on the account ending in XXXX on XX/XX/year>, yet the representative at Wells Fargo, failed to remove the account from the XXXX XXXX XXXX list. This is Ruining my life. I have my XXXX spouse that needs his XXXX, and I tried to open a trust account and was rejected because apparently this company, XXXX XXXX XXXX, has me listed as defaulted on the checking account. I told the representative that this was an error and he told me to wait 15 days. I can not wait 15 days. I have to open a trust account for my spouse ASAP or he will lose his benefits. I am in dire need of having this error corrected ASAP!!!! Please, this is urgent. I sent them a screenshot of the payment. I unfortunately have to file a complaint against them and Wells Fargo, due to the representative 's error on the Wells Fargo side. I have reached out to the executive offices to see if out of kindness they can override this incorrect information that is being reported against me blocking me from completing a transaction to give my spouse the dignity and care that he needs, he is XXXX and has no one else. Unless this is corrected ASAP by XXXX XXXX XXXX, and any other company the nasty collection rep failed to fix, my XXXX spouse will lose his much needed long term care XXXX benefits with XXXX 

He is XXXX and he really needs the assistance to live life with dignity. 

Please help me with this. 

This XXXX XXXX XXXX XXXX is ruining my life for something that I already paid and I can not even log in to view it. Supposedly they state I have to wait 15 days for a report for something that is an emergency. This is a violation of my rights under the FCRA. They are reporting false and inaccurate information all due to a representative that failed to do their due diligence. 

I just need this fix so that Wells Fargo will allow me to open the XXXX 's XXXX for XXXX so that my ex-husband can retain his benefits. Please I need this done yesterday. They will discontinue his benefits soon if not resolved quickly and I can not care for him during the hours I work. He can not be left alone. HELP!!
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MS)

There are 2 items on my credit report that do not belong to me. One is from XXXX XXXX, the other is from XXXX XXXX. The consumer reporting agencies and secondary data furnishers have violated my rights and continued to report these false accounts despite the fact that I notified them in XX/XX/2022. I also have provided them an identity theft report. According to The Fair Credit Reporting Act Section 605 B, any consumer reporting agency must permanently remove and block any item from a consumers file that the consumer informs them is a result of identity theft. Also, my rights are being violated for the simple fact that the accounts are furnished on my report without my written permission. This is a violation of 15 US Code 1681 Section 604 a Section 2. XXXX XXXX  is committing tax fraud by reporting this false account. The IRS considers charged off accounts to be income.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act 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 I also have some inquiries on my credit report that I didn't authorized. 

XXXX Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AKA XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act 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 I also have some inquiries on my credit report that I didn't authorized. 

XXXX Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX AKA XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2022-06-08
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. (NC)

n accordance with the Fair Credit Reporting act XXXX 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 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (TX)

I am a victim of Identity theft. I have never had business or accounts with Account name : I C SYSTEM INC Account number : XXXX or its original creditor XXXX XXXX XXXX I was not living at the address identification number XXXX after checking open dates & calling original creditors. This is hindering my way of life rite now with me trying to obtain transportation. I demand this fraud account be deleted immediately.