davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (OH)

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 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name Ohio department XXXX XXXX XXXX Account number XXXX Account name XXXX. XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

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.

15 U.S.C 1681 ( A ) ( 3 ) look XXXX XXXX made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2020-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm disputing Trans-Union for not deleting my 7 hard inquiries on my credit report and not correcting my debt use any my age of credit history. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX told my that they do soft credit pulls and it won't show up on my credit report, That Fraud because it's on my Trans-Union and I told them that if it's not a soft credit pull don't run my credit because I'm trying to purchase a Town-home and on there app it says the same thing. XXXX XXXX, XXXX XXXX, XXXX, are fraud from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LA. XXXX. XXXX. A car-salesman named XXXX XXXX. Told me that they did in-house financing and didn't run credit reports, That's fraud because he place almost 12 hard inquiries on my credit reports and they lied and harass me over and over again to unlock my XXXX credit report but I didn't. That's is fraud and harassment and it's someone on XXXX XXXX XXXX that left a similar review, they are sitting back and destroying the consumer credit report and the state of Louisiana is aiding and assisting because they are still in business. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX Iv'e been disputing over and over again and I get nowhere with Trans-Union..
Consumer complaint received 2023-07-26
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: Kikoff Inc. (AZ)

I have been trying to buy a car and i was denied due to damages to my credit according 15 USC 1681 Law That is deformation to my character.
Consumer complaint received 2023-07-27
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. (FL)

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 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

I applied for a credit card on XX/XX/23 and got denied. The credit card was Chase Freedom Unlimited. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.
Consumer complaint received 2023-07-26
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (NY)

I filed an identity theft report in reference for an XXXX XXXX XXXX XXXX XXXX credit account that was being illegally reported to the credit bureau without my expressed consent. Credit bureau removed it, then they reinserted it due to banks insistence that they do so unethically and illegally. The credit reporting company knows or should know the law relating to reporting such information with out proof of my consent. I have sent the credit reporting company a bill to settle this violation of my rights, If they do not pay me< I plan to sue them for at least 10 times the amount they have been billed for and of course they must remove the account from my consumer report.
Consumer complaint received 2023-10-24
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. (IL)

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 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

On XX/XX/XXXX an individual located with shipping address that was on the order invoice fraudulently made up an account with the company name XXXX XXXX. This person whom made this account hacked I suppose my card information and then wrote it upon one of XXXX XXXX mail order catalogs and I am assuming it made it in to XXXX XXXX mail address at some point for them to start the invoice on XX/XX/XXXX resulting in the amount of {$190.00} cents being fraudulently taken from my account reflecting on XX/XX/XXXX. I immediately notified Arvest Banks fraud department in which deactivated my debit card ; then I were instructed to contact the local bank for a new one. I were then told I could not get any dispute unless the charge cleared. I then contacted XXXX XXXX XXXX  verifications line at XXXX ( XXXX ) XXXX spoke with a lady she asked was I XXXX I said yes, gave her my card info she only wanted the XXXX few numbers of beginning of card used and the last few numbers of ending of my card. She then proclaimed to have refunded/stopped the transaction on XX/XX/XXXX since then I have constantly asked her for documentation of this being cancelled and documentation of refund she had refused and only told me all she could do was give me an order number which she made reflect {$0.00} as the total. Which Im not sure why when its clearly XXXX taken from my account ; again Ive been denied proper documentation. I contacted them back again on XX/XX/XXXX customer service on chat stated a refund was just placed that day I asked them why was this when they were notified on XX/XX/XXXX, they then told me to speak back with the verifications dept at XXXX XXXX ; the lady were contacted again very insensitive and skipped over my question as to why the refund wasnt issued immediately and answered well I did it on XXXX not sure why the customer service people told you today as in ( XX/XX/XXXX ). Unfortunately with all these things as well arvest bank took 4 days to process the charge in order to even offer me a dispute. This has been a nightmare and unfortunately as the customer I feel I have been given so much run around and misinformation as though this doesnt affect peoples lives with children etc. I wish that you all will find it feasible to hold people accountable to even have offered prompt and caring services to me rather than shoving me around.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

" Pay Pal XXXX XXXX '' has not released my funds when they said they would be available on 3 separate occasions. All donations received " on or before the XXXX of the month '' are supposed to be released " on the XXXX of that month ''. When this didn't happen the first time, they told me I " didn't validate my bank account in time ''. So when I fixed that alleged error, they said " there would be a special payout on the XXXX of the following month which was to include all of the previous month 's donations ''. When this didn't happen I called back to receive another excuse saying that they are " having issues with their back end pay outs ''. Whatever that means. Then the next month on the XXXX I received a random amount of funds that was not even close to the amount that they owed me. Their excuse this time, is that " the back end payouts system was changed and that put them behind and I should receive the rest of my donations before XXXX ''. Each time I call, I am placed on hold/on the phone for at least an hour, as the " Pay Pal XXXX XXXX '' has no direct line. Due to this, they make you wait on hold for a representative that can not help you only to be transfered to the correct department and wait on hold even longer. Most of their representatives don't even know what you're talking about and are unable/unwilling to help. There are no definites in their answers either, just vague maybes and open ended dates. They even tell you there is no direct way to reach their department. What they are doing is operating under the guise of " helping '' non profits, but what they are really doing is holding their money illegally, breaking their promises/comittements, all while taking their fees off of the top to ensure they get paid. I think they use the donations to their own personal benefit and simply do not have the funds available on the day they are due. This is criminal and they should be stopped and shut down ASAP.
Consumer complaint received 2023-07-26
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. (TX)

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 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NC)

I got an email with the XXXX XXXX logo saying a new credit card will be shipped. soon I got a credit card ( they had my address ) the new credit card looked like XXXX XXXX credit card, and I needed to call a phone number to activate my new card, I called and was asked for my zip code and SS, which sadly I provided and the card never worked. I keep getting emails and mail addressed to my house from XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Consumer complaint received 2023-07-27
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: LCI Acquisition Inc. (NV)

Why are you requesting the same information I have already provided to you my identification verification and bill in my original correspondence to you, which leads me to conclude that you are intentionally violating my right to privacy. Nonetheless, I and sending you the information again with supporting documentation. Your agency is violating my right to privacy. The laws you are violating are clearly stated here. The civil liability law under which I will sue is identified here. Moreover, this is false reporting bcs this item was not furnished to you by the courts, or do you list the actual furnisher which violates the FCRA 15 Ucs 1681 but rather you purchased this negative information for profit. If you have no plans to share the profits of purchasing my data, then I DEMAND YOU TO PERMANENTLY DELETE FROM YOUR RECORDS.

Violation : Pursuant to 42.56.070 Public records can only be used for Academic research and can not be used for commercial purposes.

Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances or no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Note : You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my report without my written consent could be considered Identity theft.

Pursuant to15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed.

thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything in my report at any time and the companies must comply as soon as reasonably practicable after receipt of this notice.
Consumer complaint received 2020-04-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$530.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX.
Consumer complaint received 2020-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

This is my 2nd attempt at reaching out to JEFFERSON CAPITAL SY about a fraudulent debt that they are incorrectly reporting on my credit. This incorrect reporting of this unknown collection is having a negative effect on my credit and preventing me from being a credit-worthy consumer. JEFFERSON CAPITAL SY is saying that I owe a debt, however, even after I have reached out to them, they still have not properly and correctly VALIDATED this incorrect debt that they are reporting on my credit. 
I am requesting that JEFFERSON CAPITAL SY provide me with the following information : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t received any investigations results.