davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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)

Accordance with the Fair Credit Reporting Act XXXX Account : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft, these information and transactions and items are not mine or conducted by me as a consumer. 

XXXX  XXXX date XX/XX/XXXX account is wrongly reporting as late payment this account has been paid and closed. 
please delete this information and block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (AL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 an 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 crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (TX)

On XX/XX/2022 I wrote Evergreen Services to request that they stop communications and collection efforts unless to inform me that a specific action is to take place. Instead, they have email after email, called repeatedly, and each message sounds exactly the same : " We have an important business matter to discuss ... '' Now, even after I sent a XXXX XXXX XXXX to Contact Third Parties they are calling my mother and harassing her. My mother was first contacted by Evergreen Services at XXXXXXXX XXXX  XXXX on XX/XX/2022. Specifically, when she answered the phone, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. Evergreen Services called from XXXX.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I wired transfer to XXXX XXXX XXXX, XXXX XXXX bank form my XXXX other banks on XX/XX/XXXX which wired all same day. 
The beneficiary XXXX XXXX 's account had problems unknown wires, her bank made hold her account for more than XXXX months until now. 

So she said I can recall all these {$100000.00} from my bank and I did to all XXXX on XX/XX/XXXX. 
later on XX/XX/XXXX, I found it out all these wire transactions were fraud and I reported to all XXXX banks and asked recall and refund my money to my account which I wired from XXXX XXXX Bank {$40000.00}, Chase bank {$40000.00} and {$20000.00} from XXXX Bank. 

I received these recall from XXXX {$40000.00} and XXXX Bank {$20000.00} on XX/XX/XXXX except Chase bank {$40000.00}. 

I requested more than XXXX times to the Chase bank for investigation this wire transaction from XX/XX/XXXX contineouly. 
However the Chase only reply same answered as like this, Message received from receiving bank on XXXX WE HAVE MADE EVERY EFFORT TO CONTACT XXXX ( Beneficiary ) FOR DEBIT AUTHORIZATION BUT, HAVING MET WITH NO SUCCESS TO DATE, NOW CONSIDER XXXX ( Beneficiary UNREACHABLE. 
WE ARE, THEREFORE, UNABLE TO COMPLY WITH YOUR REQUEST. 

I talked to XXXX XXXX Bank about when the Chase was requesting my recall {$40000.00}, XXXX XXXX said the Chase only requested on XX/XX/XXXX not further reuqested even I contuneouly requested to Chase to search and reopen the case. I want to refund my money back before this fraud beneficairy took my money. I notified to Chase to contact directly to beneficiary so many times that XXXX 's account will closed on XXXX XXXX. 

Finanlly I received from the Chase bank that We received a swift message from XXXX XXXX BANK, XXXX. 
on XX/XX/XXXX stating please be advised we are unable to comply with your request due to no funds available. Please have remitter contact proper authorities. We close our file. 

I have been romance scammed since XXXX XXXX, XXXX until XXXX, I, XXXX, XXXX XXXX lost. 
I reported to XXXX XXXX police deportment, case # XXXX and XXXX Department of Justice XXXX XXXX XXXX. 

The Chase bank was neglegent my reuqest for recall this fraud transaction. 

I complaine this case and verify Chase neglegency. 

Thank you, XXXX XXXX, XXXX
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

I had an ACH deposit this morning for {$230.00} in my savings at regions bank. When I look on the mobile app it shows a balance of {$270.00} and when I call the banks automative line it says I have {$270.00} available. I went to transfer money from savings to checking to bring it to a positive but they turned off my ability to transfer. I contacted customer service ( first rep didnt provide her name ) and she was rude telling me there is not deposit and because I have no money in the savings, and because my checking is negative by {$37.00} they temporarily closed my account until a deposit is made. I did not give them permission to turn off my overdraft for one and they took my deposit because I show a deposit on my end. Ive worked with many banks and none have ever told me an ACH was not available the day it was posted because its guaranteed money. I feel they are committing fraud! I asked them to waive all fees because its out of my control and with the economy were living pay check to paycheck like the rest of the world. They wouldnt assist me and told me they would transfer me to a supervisor XXXX XXXX who advised me the same thing. I want my money today and I want all fees associated with my account refunded. I am the owner of the account and work hard for my money, and banks shouldnt be able to control peoples money like they do. The only reason my account went negative is because I accidentally transferred {$37.00} to the savings not realizing they disconnected the ability to transfer to and from savings. Then once I did that by mistake because their system is confusing they penalized me. Their transfer system is not user friendly and I feel bad for the elderly. In addition, I know banks have to at least release partial money and they wont even do that. I have four little kids and I cant even buy water for them ( so they have to drink out of the faucet where there are chemicals ) with my funds held up, that is not okay. Banks need to be more of consumer advocates instead of always making it hard for consumers to live as human beings. Especially with the economy and banks being XXXX dollar companies its narcissistic to not help the consumer. I just want my money and all fees given back for the emotional damage. If this route doesnt work then I will contact a consumer protection lawyer as a last resort and I will also contact the paper. Im so tired of banks and Im sure most of the world is tired of them as well unless they are rich, banks favor the rich.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (UT)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may i treat a payment on a credit XXXX account under an open end consumer credit plan as late for XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (PA)

I sent my dispute letter to equifax disputing incorrect reporting of accounts on XX/XX/22 and that letter was received by them on XX/XX/22 which you can see they received on that date via the green return receipt that's attached. They failed to update the comments on those disputed accounts to say " disputed by consumer '' which you can see on the highlighted accounts that are attached as well in the " additional information '' section. That is a violation of federal law because they have 30 days to update the accounts and they failed to do so which means those accounts must be deleted. Going forward, if my complaint is disregarded, I will enter a class action lawsuit against your company for willfully failing to meet statutory obligations pursuant to the FCRA. 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

On XX/XX/2022, I filed a complaint ( XXXX ) against XXXX XXXX XXXX with the Consumer Financial Protection Bureau XXXX The complaint stated, " On XX/XX/2022, XXXX XXXX XXXX -- XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  accessed my XXXX Credit Report purportedly under the guise of " servicing my account. '' I have no account with XXXX XXXX XXXX. 
I suspect what occurred to me is a regular practice of XXXX XXXX XXXX. Clearly, charges, either of a criminal or, at the minimum, civil nature are warranted. Furthermore, XXXX XXXX XXXX must not be allowed to purport to any entity, including credit reporting agencies such as XXXX, that it has a business relationship with me of any kind that would meet any required jurisdictional parameters. '' XXXX XXXX XXXX responded by stating, " On XX/XX/2022, there was an account placed by Navient Solutions , LLC ( Navient ) with XXXX for collection. You were listed as the party responsible for the account. XXXX does not own the account but was attempting to collect the account on behalf of Navient. Navient contracted with XXXX as a Third-Party Collection agency for the purpose of collecting the above-mentioned account. Any actions taken by XXXX were in connection with proper attempts to collect the account. However, XXXX did not report this account to the credit bureau. On XX/XX/2022, the account was returned to Navient. If you have any questions regarding the account, please contact Navient at XXXX. We apologize for any inconvenience you may have experienced, and hope this brings this matter to a conclusion. '' I already in the past have addressed a complaint against Navient 's methodologies and its purported jurisdiction to be attempting to collect any debt from me. So, clearly, what Navient has chosen to do, also in retaliation, is direct the same purported debt to an outside party, XXXX XXXX XXXX most recently, to aggresively engage me while Navient pretends to sit out the sidelines with clean hands.
Consumer complaint received 2022-08-03
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-08-03
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: CAINE & WEINER COMPANY, INC. (CA)

privacy and confidentiality under 15 USC 1681.XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 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  Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-08-03
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX {$480.00}
Consumer complaint received 2022-08-03
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX account # XXXX