davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Ive made three prior complaints about this matter they lied about the opening checking account you receive a XXXX or bonus with direct deposit I did all that they broke down my direct deposits in two different payments so it would be less than {$500.00} so that way they could get out of giving me the bonus Then upon that my debit card my bag my phone was all stolen they use my phone to gain access to my checking account change my pin number use my ATM card to make purchases online and drain my bank account about XXXX bucks his company refuses to give me my {$500.00} back they say that it didnt happen but yet the funny thing is is I just received a letter today stating that their investigation was finished and they did in fact find out that fraud was involved and they granted me a payment of {$280.00} for some of the charges on there but there still standing at the ATM withdrawal was not fraud so I would like to get them to explain to me how that works The representative from the bank called me one time left me a message his voicemail says XXXX get back to you within 48 hours Ive called him seven times he will not return my phone calls its almost like they wanted to make it look like they made contact but in return they didnt really want to make contact because I cant get no calls return Im asking if something be done with this bank Ive gone through XXXX Ive gone through different web searches and see that they do this to a lot of people and they cant just be like oh I have high morals and values and I promise you I will die on this hill I will go forward with civil proceedings or whatever I have to do to get my money Im including pictures of the deposits and a picture of the police report number
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act, they have 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 an 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 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I did not give permission to report on my consumer credit. 

TransUnion XXXX XXXX is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) 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 written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XX/XX/XXXX, & XX/XX/XXXX, for my payment history update to on time payment paid as agreed ) 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2022-06-19
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: SYNCHRONY FINANCIAL (FL)

Syncb bank/Lowes I did not request a lowes credit card, the lowes employee said if i opened an account i would get 20 % off purchase then said it would be 10-15 % off.I told him i changed my mind and do not submitt for credit, he acknowledged me and said he it was not sent, I called lowes and they said no inqurey was sent.It now shows on my credit report,
Consumer complaint received 2022-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

Company issued me a statement with a balance due in 7 days. The letter arrived 9 days later. For a XXXX XXXX authority debt on a sold vehicle. The plates were left on the vehicle, which was explained. Nevertheless, the debt collector is pursuing this debt. I have all proof of sale ( XX/XX/2020 by offering to salvage ), title transfer, and other items, yet this firm insists not to respond and approach me with insidious credit damage. Not acceptable.
Consumer complaint received 2022-06-24
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated all my rights.

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

15 U.S.C 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-08-08
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. (MO)

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Hello XX/XX/2022, a friend of my moms posted on XXXX they were moving and selling items. XXXX was a XXXX XXXX XXXX. My mom messaged her for price, she responded. We discussed a {$1000.00} deposit to hold it until we saw it and paid the rest. Really thought nothing of it as she is a friend of my moms from her old job. Well sent it to her cousins account as she was taking care if it and almost immediately after sending money I felt this is not a friend of my moms she must of been hacked. Tried to cancel payment as it was done by a zelle account but it already went through. Absolutely amazing how quick they work as I really thought it was someone we knew. Sad part is it was my savings account and I am XXXX so it took awhile to save it. Is there anything we can do to get something back from Zelle or XXXX XXXX XXXX? We are reporting to bank as well. Just so sad. Please advise if anything I can do on my end.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (NC)

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Midland credit management by XXXX XXXX bank I did not authorize no type of consent with midland to have any of my information or to contact me the debt is for XXXX and I would like to have it removed from my report without negative impact by law im not obligated to pay this debt XXXX  XXXX sold the account to XXXX and the balance was no where near XXXX I want them to stop contacting me and please remove it
Consumer complaint received 2022-08-08
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: JPMORGAN CHASE & CO. (VA)

On XXXX I contacted Chase bank by mail notifying them I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 


The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


CHASE BANK is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Chase ) Making the report is not INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Chase ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Chase stated there was not enough evidences to start an investigation.

All corporations should know the laws that supposed to be following. My letter was very clear and conspicuous. 

I will not send nothing to CHASE WITH MY signature on it.
Consumer complaint received 2022-06-19
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: American Collections Enterprise, Inc. (VA)

n accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-19
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: Avant Holding Company, Inc. (NY)

Today is XX/XX/2022 and I check my emails everyday and today I received an email saying I applied for an avant credit card when I know I did not iam trying to fix my credit not add more to it I seen on my XXXX account that different individuals are usen my information from me using unsecured sites I wrote avant and they have not got back to me I contacted numerous sites that has used my social security number and I'd number and they don't even live in the same state as me
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received an email to my personal email stating that a new checking account was opened with Bank of America. I do not have, nor have ever had, accounts with Bank of America. I did call Bank of America and obtained a fraud case number and they stated they have now closed the account. Reporting, because it seems a little too easy to open an account under my name without doing any further verifications to confirm my identity.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MT)

I've had this phone since XX/XX/XXXX. When I asked about unlocking my phone, I was told that it needed to be paid off before unlocking. The person I spoke with said that I owed {$240.00} then said a different amount when I asked her again. So, I bought a new XXXX that claimed to be compatible with XXXX  ; it wasn't. I asked the person why since the package stated it was and she didn't know. 
I've dealt with customer service several times regarding other e-mails on my account ; they said they don't have control about that. I questioned the person about requesting they be removed and he/she said they'd take care of it every time I called but it wasn't, resulting in XXXX XXXX  ( XXXX ), XXXX XXXX XXXX Then I asked about the protection which I paid for and was told they ( XXXX  ) couldn't control or fix the problems. I have not used this account since XX/XX/XXXX. They have charged me since then and I am not even connected to them. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I applied for a HELOC through Navy Federal through their online application. I selected options from a drop down and filled out like I was asked. I was then charged {$5.00} for a credit check and they ran a hard credit check. I then received a denial letter because they didn't offer the product that I applied for.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (NC)

I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with XXXX being one of those credit reporting agencies who notified me of their own data breach.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ID)

I recently filed bankruptcy. It was discharged on XX/XX/2022 and I still have to credit cards that were included in my bankruptcy that are on my credit report which is hurting my credit and making it hard to rebuild my credit. I disputed them on experian and all that was changed was a note with the bankruptcy. They are still in my credit report when they should not be. The creditor is XXXX XXXX for {$2500.00} and XXXX XXXX  XXXX for {$500.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with fair credit reporting act.All the hard Inquiries on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX Accounts that on my credit report has violated my rights.15 U.S.C.1681.Section 602A.States that I have a right to privacy. 1681.Section 604A.Section2. It also states a consumer reporting agency can not furnish a account without my writing instructions.15 U.S.C. 1681.C. ( A ) ( 5 ) Section states : no consumer reporting agency may makes any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes for more than 7 years