davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I have a {$5100.00} charge-off. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (AZ)

The company is breaking the law by failing to provide proper validation details as rerquested under 156SC 16828. Despite this they have added a collection to my credit report.I have already tried to resolve this issue directly with them but they continue to violate my rights. For each violation I am entitled to {$1000.00} that they must either compensate me or remove these accounts immediately.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (UT)

CHEXSYSTEMS INC. IS REPORTING FRAUDULENT BANK ACCOUNTS AND FRAUDULENT INQUIRIES ON MY CHEXSYSTEMS CONSUMER REPORT, DAMAGING MY NAME AND CREDIT.
Consumer complaint received 2022-09-21
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)

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 Account # # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belleve that the information is inaccurate
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

I'm adding my name to the list of thousands of unhappy Venmo customers who've had accounts frozen for no good reason. 
I opened an account so my friends could reimburse me for a hotel stay in Wisconsin, and made several requests. Venmo almost immediately froze the account, with {$240.00} ( the first reimbursement ) in it. 
Venmo says that I did something wrong ( although they won't say what ) and has demanded that I submit a copy of a photo ID, after which they will initiate a " review '' process that could take up to three weeks. I maintain that since all I did was attempt to use their product, their request for additional documentation is unnecessary and intrusive, and that they should fix the security software that " flagged '' my perfectly normal use of the product. 
To date, I have not submitted a copy of my ID, and Venmo refuses to send me my {$240.00}, nor will they return the {$240.00} to the friend who sent it to me. In short, Venmo is using {$240.00} of money that belongs to me, and if, as I understand is the case, thousands of others are in this same situation, that's a nice chunk of change for Venmo to hold on to while they stall around with repeated requests for ID and lengthy reviews. 

It seems axiomatic that inconveniencing customers should not provide an opportunity for arbitrage. ( The last time I checked my account, I noted that even though the account is " frozen, '' I can still make requests for cash. Which, of course, Venmo could continue to hold while they string this thing along. ) Venmo should not be permitted to use monies from frozen accounts to do business or in any way pad their balance sheet or bottom line : rather obviously, there should be no reverse financial incentive for inconveniencing customers or holding their money. 

I hope that CFPB can help me resolve my dispute with Venmo, and I also hope you will take action on making sure that Venmo is not deriving any benefit from monies in these " frozen '' accounts. 

Thank you for your attention.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fiar Credit Reporting act, XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Paid off balance in full as stated on the pay off amount on bill. Received a second bill for interest at XXXX, company stated this interest was incurred on a balance that was paid off before due date.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

Purchased some items from XXXX on XX/XX/22 with my apple. I returned the items on XX/XX/22 to XXXX  with the shipping label they provided. I was told and given email confirmation on XX/XX/22 that my refund was successfully processed but never recieved it. I opened a dispute with the apple card gave them the shipping label, drop off reciecpt, chat with XXXX  support and refund confirmation email of XXXX. They still won't reopen the case.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (CA)

I am a natural person, am a living human being, have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX bal {$160.00} 2 ) XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$400.00} 3 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX balance {$110.00} 4 ) XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$520.00} 5 ) XXXX XXXX account number XXXX 6 ) XXXX account number XXXX balance {$7600.00} date opened XXXX 7 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$2200.00} 8 ) XXXX XXXXXXXX XXXX  account number # XXXX date opened XX/XX/XXXX 9 ) XXXX XXXX XXXX Account number # XXXX 10 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$470.00}
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There is incorrect outdated address information on my credit report that I am unable to change through Experian. I have used the online portal and have made a phone call on XX/XX/2022 and XX/XX/2022, but was not successful. I was directed to settle the issue with the company. However, the closed accounts will not allow me access to change my information online ; it would say my account doesn't exist.
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Four Directions Lending LLC (TX)

Eastline Lending contacted my employer in XX/XX/2022 and sent a wage garnishment for an apparent debt. I contacted this company and was informed it was a mistake and I had no debt with them. Now another company... XXXX XXXX contacted my employer in XX/XX/2022 for Eastline Lending trying to garnish my wages again. My employer has already asked them to cease and decist again. I have also contacted them and nothing can be found.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disagree with the accounts listed below which still appear on my credit report, even after your previous investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please see referenced accounts below : XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX  Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXX Its on my account twice. 
Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report Thank you,
Consumer complaint received 2024-09-18
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. (MD)

By 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 XXXX XXXX servicer has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-13
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: FIRST NATIONAL BANK OF OMAHA (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, FNB OMAHA XXXX XXXX Opened XX/XX/2017 Balance {$3500.00}
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, and account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-28
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. (IL)

My realtor checked my credit profile and there is a collection on all three bureaus for {$500.00} from XXXX XXXX XXXX. ALLEGED ACCOUNT # XXXX that does not belong to me I have lived at my address for 41/2 years I have never had XXXX XXXX 
DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices XXXX,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq.

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-18
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. (MD)

By 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 XXXX XXXX It has also violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (IL)

My realtor checked my credit profile and there is a collection on all three bureaus for {$500.00} from XXXX XXXX XXXX. ALLEGED ACCOUNT # XXXX that does not belong to me I have lived at my address for 41/2 years I have never had XXXX XXXX 
DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq.

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-28
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX SERVICES XXXX