davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: LEXISNEXIS (TX)

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.

The letters are stated with items and issues.

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 2023-07-01
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. (WI)

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 XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXXXXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

Company has been reporting an outrageously high price and that is incorrect. Company is trying to charge accelerated rent which is illegal while taking us to court for {$5000.00}. If numbers are not corrected court will get involved
Consumer complaint received 2023-06-29
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

I disputed this on my credit a few times. The first time I made email contact was on XX/XX/2023 requesting an itemized bill, validation of debt with my signature and a fraud packet. They responded on XX/XX/XXXX by XXXX XXXX telling me I would receive a separate email with the fraud information on it. I responded back on XX/XX/2023 letting them know I have still not received it and my credit has been opened the are still reporting. I sent another email today letting them know I still haven't received anything that I requested and they are still reporting to my credit. I've requested and requested and have not receive any information and they are having a negative impact on my credit. I'm trying to clean up my debt that is reporting but I refuse to pay for something that isn't mine. 

Please help me. Thank you.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (PA)

I opened a Synchrony bank CareCredit card in XXXX to pay for a XXXX. It is the only purchase made on the account and should have been paid off in XXXX with the regular monthly payment ( about {$400.00} ). I noticed in XX/XX/XXXX that the balance was nowhere near XXXX. I saw I was charged a " XXXX XXXX '' charge every month equal to about {$160.00}. I never agreed to this add-on. I have all the original paperwork and even the envelope from when I opened the account. " XXXX XXXX '' is not in any of the paperwork. I can also say that it would be an absurd decision to pay for this as it is nearly 1/2 of what the monthly payment was supposed to be ( $ XXXX {$400.00} ), so no one would logically choose this option. 

I sent a secure message to the company two times in XXXX explaining this and did not receive a return message. I called three times, when I finally got through their representative after 20 minutes of holding they were having phone line issues and they could not be heard.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION is in violation of the FCRA. As a consumer I shall be able to obtain my free consumer report ONLINE from XXXX with no adverse action! This is very inconvenient since I need to view my TRANSUNION report immediately like my other consumer reports ONLINE ( XXXX XXXX XXXX ) to investigate a certain matter on my consumer report. 

Receiving my TRANSUNION Report through mail is a slow inconvenient process. And I need this matter handled ASAP!! 

This issue is causing XXXX XXXX & XXXX XXXX to me since Im trying to apply for a credit card for my personal matters.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (TN)

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 with account # XXXX Balance of {$200.00} XXXX XXXX  with account # XXXX and a balance of {$5900.00}. 
XXXX with account # XXXX and a balance of {$53.00} 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 2023-06-29
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: NAVY FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, VA XXXX Subject : Billing Error and Missing Remittance Coupon for Cash Rewards Credit Card - Account Number : XXXX Dear Navy Federal Credit Union Billing Error Department/CFO , I am writing to address a billing error and a missing remittance coupon regarding my Cash Rewards Credit Card account with Navy Federal Credit Union . I am reaching out in accordance with the provisions of the Uniform Commercial Code ( UCC ) Section 3-603 and UCC Section 3-311, which govern negotiable instruments and are relevant to this situation. 

On XX/XX/2023, I received a billing statement indicating a charge of {$3500.00} on my Cash Rewards Credit Card account with account number XXXX. However, according to my records, this charge has already been paid in full on XX/XX/2023, through a negotiable instrument, specifically a check payable on demand by the bearer. 

As per UCC Section 3-603, a person who has already paid an instrument in good faith and for value has the right to the discharge of the instrument. Therefore, I kindly request that you update my account records immediately to reflect that the aforementioned charge has been satisfied and the instrument has been discharged. 

Additionally, I have noticed that the remittance coupon associated with the aforementioned negotiable instrument has not been returned to me. According to UCC Section 3-311, the remittance coupon is an essential part of the instrument, and its loss or non-return should not affect the underlying obligation. Therefore, I kindly request that you locate the missing remittance coupon and provide it to me as soon as possible. 

I urge you to handle this matter promptly and in compliance with the UCC provisions mentioned above. I kindly request that all future communications regarding this matter be sent to me via mail. Please provide a written response to the address mentioned above. 

Thank you for your immediate attention to these concerns. I expect a timely response and a satisfactory resolution to rectify the billing error, discharge the instrument, and provide the missing remittance coupon in accordance with the applicable UCC provisions. Your cooperation in this matter is greatly appreciated. 

Yours sincerely, XXXX XXXX XXXX, XXXX XXXX Agent Without recourse Enclosure : A second remittance coupon Sent certified mail XXXX delivered XX/XX/2023.
Consumer complaint received 2023-06-29
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. (TX)

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.

The letters are stated with items and issues.

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 2023-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA (DE)

This is what is occurring to me right now XX/XX/XXXX Friday, XX/XX/XXXX, I just received a wage garnishment from XXXX and XXXX XXXX  XXXX Apparently, I was sued by them on XX/XX/XXXX. I was unaware of this until yesterday. I was never served or received anything regarding this lawsuit in XXXX. This was intentional, as they don't want you showing up to a lawsuit that is fraudulent/frivolous. 
I do not recall having a XXXX account in the previous 10 years. If anything, they were time-barred from filing a lawsuit. This is the reason they didn't want me to be aware of it. At the same time, this was said to me being served. My partner was being sued by XXXX. We were served XXXX 's paper with no problem. I find it hard to believe XXXX couldn't find us. That's because they never tried. 
I pulled all three of my credit reports. There is no account from XXXX or XXXX and XXXX XXXX Not even under any collection agency of any name, for XXXX XXXX 
The judgment occurred in XX/XX/XXXX. I have been working for my employer since XXXX. Last Friday was the first I heard of wage garnishment. This last Friday they over garnished my pay. The amount in the state of Delaware they could have legally taken was {$29.00}. Instead, they took {$110.00}. I havent figured out why they are taking XXXX XXXX more than they should be. 
The first time I heard of this was XX/XX/XXXX. XXXX who issued a paycheck from my employer, mailed me a letter stating they were going to garnish my next paycheck. The sealed envelope clearly states that this is a wage garnishment This way my neighbors who get the mail for me and my postman can be made aware of my wage garnishment before I am even aware of it. Of course, nothing surprises me about this illegal transaction. 
I feel this wage garnishment was intentionally started and I was notified of it on a holiday weekend. The reason being I am unable to get in contact with an attorney, due to the holiday. I am aware the XXXX of XXXX holiday is a long one for most people. I have maybe 10 days to file something with the courts. Of course, they are closed as well. 
Ive got to give XXXX credit on a well-thought-out scam. Think of how many people will be scammed out of money. 
The amount I was sued for was {$2000.00} in the court of common pleas, XXXX XXXX, Delaware. 

PS. Do I have proof of everything I just stated? You bet I do. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (IL)

Around XX/XX/XXXX I sent out a letter to Experian over several inquiries that were either fraudulent or incorrect to date Experian has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. Experian has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for XXXX include : 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 has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. XXXX inquiries include : 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.
Consumer complaint received 2023-07-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (OH)

On XX/XX/23, I received automated Chime email welcoming me to Chime and thanking me for opening checking account. I assumed it was phishing, so I didn't open from an previous experience. Several weeks later, I received a debit card in the mail which then alerted me to call Chime on XXXXXXXX. I asked the Chime rep several times to provide details and they would NOT, and would not let me speak to anyone about " how it was opened, what all accounts were opened, if credit bureau was pulled, etc. '' They provided nothing but an email stating I requested to close the account. NOT THAT IT WAS FRAUD. I received another email from Chime XX/XX/23, stating that a deposit was returned from Ohio Dept of Job & Family Services ( ODJFS ). I contacted ODJFS immediately same day to notify them of identity theft/fraud and they notated the fraud and closed the open claim. 
I have all contacted bureau to place freeze/fraud alert on all bureaus and contacted social security department ( they wouldn't place alert on my SS # unless via appt and in person ). 
Today, XX/XX/23, I received a Credit Card from Chime in mail! Called Chime this morning again to report more fraud and ask why they did not share that this account was open when I called last time and once again would not provide any details ( I.e. was credit pulled, was it used, etc. ) and only sent an email of my request to close... .NOT THAT IT WAS FRAUD. 
Chime treats the victim like the fraudster and needs to improve their account opening and ID verification process immediately.
Consumer complaint received 2023-07-01
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. (TX)

This company, XXXX XXXX is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.