davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (AR)

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. 

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 2023-07-17
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. (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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-17
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. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

OnXX/XX/2019, I opened an account with TD BANK, via the web ( online ), it was approved. In total there were two accounts, one checking and one savings. I requested my debit card, it arrived and when I activated it by phone, they blocked my access to the account. From then until today, I have made thousands of attempts to get the problem resolved, including the solution that they closed my account and sent me a check to my current address and they tell me that they can not do it, that I must personally introduce myself to a branch. I had to leave the XXXX due to a family health problem to XXXX, and since then I have requested the reactivation of the account, even after having gone through all the identification mechanisms with the fraud department, with the customer service department customer. etc and the answer has always been that I must go through a branch. I told them that they could not be so closed because if I had a physical or circumstantial impediment that prevented me from traveling to the XXXX, they can not withhold money from me for as long as they want.
Consumer complaint received 2024-02-06
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. (TX)

As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). Equifax, XXXX, and XXXX function as consumer reporting agencies, while I am the Consumer. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information. 

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, Equifax, XXXX, and XXXX, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Equifax, XXXX, and XXXX are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. Equifax, XXXX, and XXXX are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : 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 2023-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (HI)

On XX/XX/, I received an email notification from Chime Bank that I had opened a new checking account, when I did no such thing. 

I calling Chime, I had to provide personal identifiers before anyone would disclose details about this fraudulent account. Chime advised me that I had to file a Complaint with the FTC to report my ID theft first, then they would release info. I provided them with this, yet they still have not provided me with any account opening documents, or anything else related to how this account was opened. 

Finally, I have also found out that there is likely an additional, fraudulent bank account Chime opened in my name, after I had already disclosed that the false account was opened. I again am asking Chime to close this account, and lock its service from opening new accounts, however I am weary that this institution is unreliable and will continue to allow fraudulent accounts to be opened in my name.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (IL)

Well XXXX XXXX I have contacted the creditors about dis account and ask them to dispute the items but they never did dispute so I writing asking for dis account to be removed off my file because the opening and closed dates are definitely wrong and also it's still showing that the account is still open which should been closed cuz I paid it off and they said it was going to be removed but did it so yo resolve dis issue asking for it 2 be removed off XXXX report only
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We have always paid our bills and have used the convenience of auto pay. Our Citizens Bank Mastercard was paid out of our Citizens Bank checking account. Then in XXXX of 2023 we noticed our bill which should have been paid around the XXXX wasn't paid. My husband called Citizens Bank Card service and made arrangements to pay that bill and the {$29.00} late fee was credited. The same thing happened again in XXXX even though the autopay authorization to pay the statement balance was in place no funds were taken no statement was paid. My husband again called to find out why our payments were not accepted for payment and the representative said that there was a change in the bank 's routing number, which was unknown to us, we were still using our personal check which had the old routing number. My husband made arrangements to pay the XXXX bill on XX/XX/2023 using the funds from our designated Citizens Bank account and included the XXXX statement as well, the total paid over {$3500.00}. My husband tried to update the routing number on the autopay form on that day, it obviously didn't take because no funds were taken out for XXXX 's statement. The Citizens Bank has charged us {$130.00} in interest and levied bank fees and late charges {$69.00}, all because they changed a routing number and refused our attempted timely payments, and not properly finding a solution when we first contacted them in XXXX. We are more than ready to pay but they won't accept our payments.
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc. (CT)

I put a stop payment with my financial institution against Avant , LLC over two months now. Every other day they try to take a payment and it puts my account in negative. Avant does not let me remove the automatic withdrawal. It does not allow ne to change the payment or stop it either. It does not even let you change your mailing address. Whoever gets a loan with them is stuck. The bank has been returning all transactions regarding Avant , LLC and even still they keep trying every 3 days to take the payment. They have been threatening with Collection actios for over four months now but they do not send to collections. They keep trying to take money is not there. They need to be stopped. They keep following the same practices that got them a lawsuit back in 2019. They still doing the same thing.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NJ)

I received the attached letter datedXX/XX/XXXX from XXXX in which they stated they would close my account and mail me the remaining funds. I deposited {$50.00} in this account when I opened it. 10 business days was last XXXX XX/XX/XXXX and it has been 1 week without any update from the company as to my requests to provide a closing statement or return my funds. The funds have also not been returned to the originating institution.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC. (TX)

My card was charged for three different theme parks in one day, in California I live in Texas. They were not authorized transactions. I contacted the bank as soon as I seen them, they said I would have to wait till they clear to dispute them. I was refund for two and one fell off. A week or so later they put one charge for XXXX XXXX back on my account over-drafting it once again. Their reasoning was they had no proof it was fraudulent. I am out that money and they say that things arent looking good and it is probably not going to be reimbursed. So now I am out all that money for someone I dont even know to go on vacation. Their system should have caught it, seeing that anytime I go out of town and purchase something they lock my card. Also to add they canceled the wrong card the first time we called, not the one with the fraudulently activity. Prosperity Bank of Texas does not care about protecting their bankers.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NY)

I received notice about an alleged debt reporting on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practice Act ( FDCPA ) validation of the debt section, 15 usc 1692g, I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefore I demand VALIDATION and VERIFICATION of this alleged debt.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation, as it is my right to request information because the burden of proof is on you to prove to me that I own this alleged obligation. You have 14 days pursuant to UCC Article 9-210 to provide this information
Consumer complaint received 2023-07-19
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. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX 2023 I XXXX XXXX went into the XXXX XXXX to cash a settlement check in which i was instructed too open an account through the mobile app i presented not just 2 forms of i.d . but three so my identity was verified by a representative. After a couple of days after opening my account, the mobile app was closed and instructed me to call customer service. I called customer service and they informed me that the account was closed due to an identity verification, In which i questioned how was that possible if i was in the XXXX branch and my identity was verified by a represenatitve.Once again im back in the XXXX branch and ask to see the financial manager XXXX XXXX XXXX whom took a look into the situation to only find that the back office closed my account with XXXX dollars in it and that they supposedly have mailed a cashiers check to me on XXXX 2023. XXXX XXXX XXXX and i both was working to find a solution i was in the XXXX branch on XXXX, XXXX, XXXX with XXXX as we look over the account and get a represenative on the phone to assist with our problem XXXX XXXX found the I.D . number of the person who closed the account and read the notes as to why the account was closed and the only thing that he could find was that the person closed it due to suspicious email, in which the email in question is my last name and first name XXXX there isnt anything suspious about my email. They are telling me due to there policy i have to wait 120 days for another issuance of my cashiers check even though i wasnt at fault i find this disturbing and unfair
Consumer complaint received 2023-07-17
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: JPMORGAN CHASE & CO. (PA)

JP Morgan Chase Bank Received email notification that Chase Freedom Unlimited card was applied for on XX/XX/23 Notified Chase bank who stated they will close the application and notify credit bureaus to remove the inquiry Notified XXXX, they stated they will process the dispute and identity theft claim
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-17
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: CBC Companies, Inc. (NY)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN 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 the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-02-05
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE (NY)

IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BARCLAYS BANK DELAWARE, FRAUDULENT ACCOUNT WITH THOSE CARDS.
Consumer complaint received 2023-07-17
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: Advanced Resolution Services Inc. (NY)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN 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 the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!