davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I, as a resident of Texas, was approached by an individual who claimed to represent The XXXX XXXX, a reputable company within the architectural industry. The imposter, posing as a hiring manager, enticed me with an offer for a remote position as an XXXX XXXX as a XXXX XXXX. Their initial contact appeared legitimate, complete with professionally designed emails bearing The XXXX XXXX 's branding and a convincing tone. 

As the correspondence progressed, the scammer presented me with a series of official-looking documents, including an employment agreement and onboarding forms. These documents were designed to give an impression of authenticity and professionalism. I, trusting in the genuineness of the opportunity, complied with their requests and followed the provided instructions. 

One pivotal moment in the scam unfolded when the imposter insisted on an equipment payment to be made prior to commencing work. They send me a deposit check of {$8900.00} provided me with what they claimed to be The XXXX XXXX 's official bank account details, leading me to believe that this was a legitimate requirement. Regrettably, I transferred a sum {$4900.00} of money into the provided account, unknowingly falling victim to this elaborate ruse. 

Upon completion of the transfer, the deposit from my accout was reversed leaving me at low funds in my bank, and made my account at- {$5000.00} because of the transfer i made with their supposed to be vendor partner. All communication from the scammer abruptly ceased, leaving me in a state of shock and financial distress. I quickly realized that I had become a victim of a well-orchestrated scam, where the perpetrators deliberately misused The XXXX XXXX XXXX name to deceive unsuspecting individuals like myself. 

Since discovering the scam, I have taken immediate action by reporting the incident to my bank. I have provided them with all available evidence, including the imposter 's bank account information, and any other pertinent details. However, despite these efforts, the progress towards recovering the funds has been minimal, my account was closed and I am to pay the - {$5000.00} on my account from the money scammed from me I kindly request your assistance in investigating this matter further and bringing the perpetrators to justice. The unauthorized use of The XXXX XXXX 's name not only undermines the trust and reputation of a reputable organization but also causes significant financial and emotional harm to innocent individuals like myself. 

Im willing to provide copies of the fraudulent email communications, bank transfer receipts, and any other supporting documentation I possess. I sincerely hope that this information will aid in your investigation and help ensure that justice is served.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Number:XXXX  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 2024-01-03
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. (GA)

I am again reporting my deep dissatisfaction with the ongoing disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute attempts, it appears that my concerns have been ignored, and the reported violations persist. This dispute serves as a formal dispute and reiteration of my rights under the FCRA. 
Unauthorized Disclosure of Information : Under 15 USC 1681b, consumer reporting agencies are required to furnish consumer reports only under specific circumstances and with the written instructions of the consumer to whom they relate. I have consistently communicated my explicit denial of consent for the disclosure of my private information to third-party agencies. It is disconcerting that this violation persists. 

Failure to Provide Opt-Out Information : According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable. 

Inaccurate Reporting and Lack of Verification : Section 1681s-2 ( A ) ( 1 ) A of the FCRA mandates that information furnished to consumer reporting agencies must be accurate. I have previously disputed inaccuracies in my credit report, yet these discrepancies persist without proper investigation or correction. This is a clear violation of my rights.

Noncompliance with FCRA Sections 1681c and 1681e : Consumer reporting agencies are obligated to maintain reasonable procedures designed to avoid violations of FCRA sections 1681c and 1681e. The failure to do so, as evident in the persistence of inaccurate information and the lack of response to previous disputes, is a direct violation of the law. 

I hereby request the following actions : Immediate cessation of any further disclosure of my personal information without my explicit, written consent. 
A thorough investigation into the circumstances surrounding the unauthorized disclosure, inaccuracies, and lack of compliance with FCRA regulations. 
Prompt removal of any inaccurate information and a comprehensive report detailing the corrective measures taken to prevent similar incidents in the future. 

I expect a written response within a reasonable time frame of 14 days detailing the actions taken to address the violations mentioned above. Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights. 

Your cooperation in rectifying these issues is crucial to upholding the principles of the FCRA and ensuring the accuracy and privacy of consumer credit information. I trust that immediate attention will be given to this matter.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

police report filed in XXXX California FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX is incorrectly reporting to credit bureaus that my mortgage payment is 30 days past due. As of this complaint, XXXX XXXX XXXX has not yet acknowledged, in writing, that all required supplemental and regular mortgage payments were fully paid each month as agreed from XX/XX/XXXX to XX/XX/XXXX ; See included letter dated XX/XX/XXXX. Please also see the uncanny letter received today, via postal mail dated XX/XX/XXXX ; The letter apparently ignored the arrangements made with the XX/XX/XXXX letter. Your assistance with helping me resolve the incorrect credit reporting will be appreciated.
Consumer complaint received 2023-05-18
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. (CA)

This complaint is a follow-up complaint to my previous complaint dated XXXX to ensure that the following fraudulent items are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have no knowledge of some of the inquiries on my account. These hard inquiries are a result of identity theft and they must be removed within no later than four business days as per 15 USC 1681 c-2.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

I have been contacting US Bank since XXXX XXXX it is now XX/XX/XXXX and I still have not been able to at the least receive a confirmation number that a debit card was ordered. Even though they continue to assure me it will be delivered tomorrow to me from Indiana to North Carolina but there is no tracking number available. Apparently a debit card is the.only way to access my funds because there is no location for a prepaid debit card account ; but no alternative to accessing your money. A debit card they claim to have sent without notice six months ago. I have called and talked to at least XXXX people. Everyone has neglected to offer me a solid solution whatsoever. So another day goes by without me being able to touch my own money and no assistant at all.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paxful Holdings, Inc. ()

On XXXX XXXX XXXX, Paxful.com frozed my account suddenly without made an advice, containing aprox. XXXX Bitcoins. They adduce a " Compliance Review '', so I'm shocked about their decision. Every time contacted to paxful support says : " Thanks for getting in touch about the status of your account. 

We understand how difficult this must be for you, not to be able to use your account. Please bear with us as the account review is still ongoing. We are unable to resolve or grant your request to access your account at the moment. 

Rest assured that we are doing our best to speed up the review. Once there is an update, we'll definitely let you know. For now, no need to do anything but wait until further advised. 

We hope for your kind understanding and we appreciate your patience regarding this matter. '' As you can see, they don't give me a date to withdraw my funds and apparently they want to scam me with the Compliance review story.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : XXXX XXXX. OF XXXX Nelnet Account Number XXXX XXXX XXXX ) Account Number : XXXX Account Balance : {$16000.00} This account has been compromised due to fraud since 2017. I was enrolled in a program with XXXX XXXX XXXX XXXX. This program collected monthly payments for months. Yet, none of the payments I made were ever applied to my federal student loans. Therefore, I am requesting that this fraudulent account be deleted immediately. I provided a screenshot with proof of communication with the alleged party. I made monthly payments of {$110.00} for almost a year. After all payments were successfully made, I stopped hearing from the alleged perpetrators. 

I want to inform you that this communication is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount?

3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX
Consumer complaint received 2023-05-18
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. (NC)

When I investigated my credit report, I realized that the same account was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

MOHELA is my student loan servicer. I was placed on admin forbearance from XXXX due to billing statements being untimely. Despite the forbearance ending at the end of XXXX and a payment being due on XX/XX/XXXX, I was never sent a billing statement. On XX/XX/XXXX, I pointed this out in an online message to MOHELA. I then received a reply back with a billing statement that was back dated to XX/XX/XXXX. 

This is after they retroactively placed me on admin forbearance from XXXX - XXXX without sending me any notification and I was only notified when I was wondering why a XXXX payment was not due. 

It appears the issues that were supposed to be fixed during that period havent.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that the same account was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I filed an ID Theft report with the FTC and submitted a complaint to the CFPB on Experian, XXXX, and XXXX to investigate my accounts and remove the inaccurate information. 
Experian, XXXX, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time.

According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. 

The consumer reporting agencies Experian, XXXX, and XXXX did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (TX)

I am a credit card holder for XXXX XXXXAvant LLC . On XX/XX/XXXX I made my monthly payment ( by telephone, this company does not offer automated assistance and therefore it is generally with a " offshore '' customer service representative. I was informed that I would receive my confirmation by e-mail. On XX/XX/XXXX, I received a telephone call from my bank, XXXX XXXX, " Account Take over Fraud Department. I was informed that I needed to shut down my checking account and open another one ... with the representative. VERY suspicious, I declined to do this until I could go to my local branch bank and do it in person. In addition, they could not give me any details as to what was wrong. I have been a customer for over 26 years with XXXX XXXX. ( a complaint has been filed with your offices ). On XX/XX/XXXX, I saw a charge from XXXX XXXXAvant and it was from my checking account paid on another customers account, I have the documentation and details from the transaction. I contacted my bank and reported fraud ( they never disclosed to me that this was the " transaction ''. I filed a complaint with the XXXX of Illinois, ( this is where the company does business ) and read over 250 complaints against this company. To date they have not assisted me with my complaint or taken corrective legal action for the internal fraud that was committed, or refunded my money. Today, i received a response from the XXXX that Avant is sorry for my inconvenience and asked if I would e-mail them the bank information that I hold. I want this company held liable for the illegal fraud. I am due to make my monthly payment to Avant this month but extremely concerned due to the breech of my personal and confidential information by XXXX XXXXAvant LLC .
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had an account with XXXX that was charged off in 2022 and sold to a collections agency, I settled this debt in 2022 with the collection company, however the original creditor is still reporting this debt as charged off and unpaid. This is greatly affecting my credit score and violating my rights.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX