davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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. (FL)

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies. 
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : 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 XXXX Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (KS)

A credit inquiry was placed on my credit report on XX/XX/2022. I was alerted by XXXX and XXXX XXXX that it appeared. I did not apply for a credit card on that day. 

It was listed under TD Retail Services. It looked like a card for the XXXX stores or another retailer. I pulled this information from their website. My understanding is that this the way that the fraud starts. 

XXXX years ago, I had my information used to apply for Colorado Unemployment even though I do not live in that state. Don't know if there is a connection, but it could be.
Consumer complaint received 2023-11-21
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 (NC)

The " Venmo '' response does NOT address the original complaint. I believe Venmo is violating the law by refusing to delete my personal data and account from their system. 
Venmo repeatedly references its Terms and conditions, which do NOT exempt Venmo from the law, which includes a requirement to delete customer accounts and data when requested and not demand new personal data to do God only knows what with. 

I refuse to be a Venmo customer. I find their company behavior to be repulsive. CFPB and the federal government NEED to take swift action against Venmo instead of enabling this behavior which is also outlined in great detail on XXXX XXXX XXXX where countless Venmo customers share disturbing and alarming first-hand experiences. I will NOT provide any further personal data to Venmo ever. 

The original complaint remains : " '' Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this. ''
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Around XX/XX/XXXX XXXX reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. XXXX never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to XXXX XXXX points and damaged my perfect payment history overall on my report.
Consumer complaint received 2022-11-22
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: Commercial Acceptance Company (PA)

on XXXX  I sent XXXX.Commercial Acceptance Company and affidavit of truth outlining how their company violated my rights as a FEDERAL PROTECTED CONSUMER. I am revoking my rights under 15 USC 1681i ( a ) I am now requesting their method of verification and Im granting them 15 days to respond to this request if this account was in fact verified as you claim that would mean that they investigate it and it would also mean that this was in fact an investigation of a consumer report if this is an investigative consumer report I am also exercise my right pursuing to 15 USC 1681 ( a ) ( e ) I want to know exactly who you spoke with? and the method you use to speak with them? I also would like the name and employee number of employees who spoke with, and the company who financed this information? Pursuant to 15 USC 1681 ( a ) ( e ) to preserve the judicial economy and save us both time and money in court Im willing to settle this matter for the following demand 1 ) Pay the federal protected consumer rights violation invoice 2 ) zero out the balance on all account 3 ) do not attempt to collect 4 ) Do not furnace any negative activity
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX decided to file a judgment to garnish all of my money at Bank Of America, due to this unlawful garnishment of my unemployment benefits, 401k indirect rollover leaving me XXXX available funds. I am having a difficult time trying to feed my kids, paying for gas, and keeping the utilities on due to having absolutely no money to even pay for water. Despite my several attempts in XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  to remedy this, the previous law firm continued to transfer me to different reps and even provided an invalid number. Then mention that they no longer have my debt and it's transferred. I lost my job in XX/XX/XXXX, got sick, and did not get paid for taking XXXX. I do not have a single or cash on hand, left destitute I need access to my money as my health and kids are left in order to provide bare necessities like water, lights, food etc. 
Bank of America Imposing unenforceable clauses in take-it-or-leave-it customer contracts. Deceiving customers about their rights : Failing to adhere to consumer protections governing customers bank accounts :
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting my rights have been violated. I have also noticed that someone used my information. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 have repeatedly asked that this information be updated but to no avail has anything happened. I also have opted out of the secondary credit furnishing companies.
Consumer complaint received 2022-09-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jason Michael Katz, P.C. (MI)

Jason Michael Katz , P.C . has violated my Federally Protected rights under the Fair Debt Collection Practice Act 15 U.S.C 1692. Jason law firm pursued litigation in state court for the 2nd time, without 1. Notifying me of this lawsuit, I have not received a new copy of the lawsuit before Jason and employees filed for an judgement 2.I never contracted with Jason P.C . to be sued upon neither time violating 15 U.S.C 1692i. I was also threatened and coerced into payments by Jason P.C. that I would be sued if I did not pay them for the alleged debt. I am now putting you on NOTICE to Cease Communication with me from all mediums including ceasing the judgement within 30 days and returning the funds as stated in my attachment.

Jason P.C. has used deceptive and abusive debt collection practice while collecting on the alleged debt causing me actual damages including but not limited to mental anguish, defamation of character, embarrassment, anxiety and more that will brought in Federal Court if you fail to comply.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

insurance claim pd part of the loan and XXXX XXXX XXXX charged off and wrote off {$16000.00} did not send me 1099C for the cancellation of the debt.
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: ENCORE CAPITAL GROUP INC. (GA)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the Fair credit reporting act XXXX  account Bank of america Credit card, has violated my rights. 15 USC1681 Section 602 states i have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : Also states a consumer reporting agency can not furnish a account without my wrrriten Instructions.

15 USC 1666B : A credtior 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 2022-09-29
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to the 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 instruction.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX  XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX XXXX XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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* 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: VW Credit, Inc (GA)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (CA)

I had stopped making payments and using my XXXX card back in XXXX. When I stopped paying my debt including interest was around {$1800.00} ( my max was {$2000.00} ) I had been on XXXX due to a bad XXXX XXXX  at work that required XXXX and then when I finally got a job in XXXX I was laid off wishing a few months due to Covid. In XXXX I received a letter from Mandarich Law Group stating their intent to sue me for a debt of {$2500.00} which was almost a {$1000.00} more than what they shut the card off at, but still kept charging late fees and interest. I sent them an email on XX/XX/XXXX informing them of the above information as well that I was currently unemployed due to covid but when I was employed I would be willing to make payments. I never received any contact, and they served the papers of the lawsuit to my sister-in-law with a different last name not to me and she did not give it to me for a few days. The papers stating the lawsuit had no court seal or anything showing that it was an official court document, and they did not have a state licensing bar number listed so I though it was a scam also it now showed over {$3000.00} balance due. Supposedly a judgment was delivered however when I logged onto the court website it states they sent about 10-15 documents none of which I received I did not hear anything from them again until they sent a letter ( the Mandarich Law Group ) that a judgment was received. Again no court seal or anything to prove an official government document or decision, no licensing bar number and the balance due now stated over {$3100.00} and since I had not heard from them for months I didnt believe it went to court. I asked for clarification on why the amount changed so drastically and they said it was due to interest still accusing.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Equifax, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case XXXX XXXX XXXX XXXX ( XXXX ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX 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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NH)

Sir or Madame, The Big Tech Payment Platform `` Square Inc. '' debited {$1900.00} from my XXXX XXXX XXXX XXXX savings account on XX/XX/XXXX. The transaction number is XXXX. See the attached debit on the XXXX XXXX XXXX XXXX Account. 

I do not have a Square Inc. account and never have. When I called Square Inc. customer service they told me they could not help and I would have to dispute it at my bank. Can they really debit almost XXXX XXXX XXXX from my account without any authorization? I am not sure if it is a clerical mistake or fraud yet however Square Inc. should be obligated to help retrieve funds they were not authorized to take. 

This is the kind of conduct the attached Attorneys General letter spoke about. 

Can you help?
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.