davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 ( 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Consumer complaint received 2022-09-29
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. (CA)

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XXXX Balance XXXX XXXX and XXXX XXXX  Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NM)

On XX/XX/22 I made an online purchase, XXXX  all of the PayPal linkbut from the website to make payment. I never received product as I suspected fraud immediately. I tried to cancel through PayPal, but was unable to. I have reached out to PayPal numerous times and filed a report in case resolution. PayPal claims that it was a peer-to-peer transaction and stated that in am not eligible for a refund. Even though I tried to cancel immediately. I have provided all information to PayPal since it appears to be a fraudulent PayPal account. They continue to close the case.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

UPDATE TO COMPLAINT # XXXX EQUIFAX is in breach of their DATA SHARING POLICY which states they MUST keep a record of given consent to furnish a consumer report and I demanded the recorded consent and EQUIFAX has not provided it so there for they must delete the demanded items i sent in my letter. EQUIFAX IS IN BREACH OF THEIR DATA SHARING POLICY AND MUST DELETE DEMANDED ITEMS FROM MY REPUTATION.
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

My ex-wife inquired Newrez mortgage company about cash-out refi. For some reason, Newrez erronesly thought I am the applicant of the loan. I emailed and talked to them about the error and I asked them to close the loan application. However, Newrez mortgage continued the loan process. 

Here is his contact info : Loan Number : XXXX XXXX XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2022-09-29
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. (NY)

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. 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. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX XXXXXXXXXXXX XXXX  XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance {$2400.00} This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have put claims in with all credit bureaus. 
A few have fixed some false information. Other do not have proof or legal right to report the way it is being reported. These companies are not a real credit bureaus. 
They all need to be held accountable for reporting my scores incorrectly. They will not give me the information or transmissions to the companys they are reporting for. By law they have to or fix my credit to its proper and higher score. Lastly, they all are showing different scores and different reporting of information which is also not lawful. I have submitted multiple claims to have resolved and nothing is being done.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of Identity theft.An unauthorized credit card from Chase Bank was opened in my name around XXXX XXXX did not consent to this credit card account being opened nor did I have knowledge of it. There is a debt of {$4400.00} and a late payment as a result of this Unauthorized credit card on my credit report.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, my wife and I submitted a Certificate of Trust form to Capital One to convert our existing savings account to Revocable Living Trust ownership. We paid {$30.00} to get the form notarized. On XX/XX/XXXX, we received a message from Capital One stating " The Certificate of Trust form you sent us is incomplete and couldn't be processed ''. I contacted Capital One for more clarification, and they stated they couldn't process the request because the trust name was too long as it exceeded 120 characters. However, the form doesn't mention this limitation and actually allowed me to type in more than 120 characters. The customer service agent stated that I would have to submit a new form with a new notary signature. I shouldn't have to spend the additional time and money resubmitting this form with a notary signature as there was no indication of the character limitation.
Consumer complaint received 2022-09-29
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. (TX)

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX  XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXX Account # XXXX ; XXXX XXXX  XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Consumer complaint received 2022-09-29
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-29
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-29
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 2022-09-29
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. (ID)

I sent a letter I received from XXXX XXXX directly to Experian for them to update the accuracy of my XXXX XXXX  account with 4 other letters, Experian decided to file an un requested dispute with XXXX XXXX, who Im not disputing on any level. I have access to my XXXX account on my phone and what I sent experian reflects what on my XXXX XXXX account. 

When I called experian to confront them on their fraudulently opening an un requested Dispute, their solution was to simply resolve the dispute and not updated my tradeline I paid them to update. I paid them money to verify a letter from XXXX XXXX  I received directly from XXXX, I know it benefits Experian to keep negative reporting online at all costs and theyre mighty quick to update company information but it could take up to 90 days for them to update consumer information. How is this behavior fair to consumers. It expresses that companies that pay them are more important that consumers they report on. 

Lastly the reason I am angry, is their behavior will affect my home purchase in a time when purchasing a home is very difficult and extra costly XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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. (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. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2022-09-29
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. (MI)

On XX/XX/22 I filed a dispute through experian that both of the addresses on my credit report are inaccurate and are my old addresses. I did not provide any supporting documents. Nothing changed. 

On XX/XX/22 after my first dispute changed nothing, I disputed it again, this time providing my government I.D . showing my current address as my supporting documents. But still nothing changed after the dispute came back. 

So Im reaching out to see if this could please be fixed.
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. (NY)

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

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 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 ( 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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (PA)

XXXX by Goldman Sachs has charged me interest even though I made payments in full on time. Rather than time stamping the receipt of my payments by check, they claim I have been late because they take a long time to actually post the payment... claiming the time lag is MY fault.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX  XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

On XX/XX/2022 my mother was scammed into withdrawal funds from her checking account. The robbers told a convincing lie and she, who is XXXX, wound up driving them to her bank, First Citizens Bank, and convincing her to take out {$15000.00} in cash from her account. This is a rarely used account with little activity, and no large cash withdrawals of this type. The bank should have seen this as a red flag on the activity alone, also on the potential elder abuse for her to withdrawal such a large percentage of her account and give it to her all in cash same day. They did not make her fill out any extra documents for a large cash withdrawal, schedule a time to come back and get it, give her a cashiers check, or ask more questions to understand that it may be fraud. 

After the robbery occurred she immediately filed a police report and then went back to the bank. Bank branch essentially said sorry not my problem and directed her to an XXXX #. After going in circles with the XXXX # 'investigation ' which of course found them to be at no fault we were not provided copies of the video or any detailed transcripts of conversations that the teller had with XXXX about why this {$15000.00} may be a red flag or evidence of fraud/ put her at high risk of robbery. 

This is also a joint account and the joint owner was not made aware of this request, or the teller did not think it was strange that XXXX requested the money 'to help her daughter ' when the daughter is a joint owner with XXXX XXXX Unacceptable that the bank would have so little training on elder abuse, fraud, and red flag transaction for large cash withdrawals, and then after a traumatic robbery essentially say too bad not our problem and give no help.