davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights. Regarding alleged account # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days
Consumer complaint received 2024-11-01
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. (SC)

I am a victim of identity theft resulting from the XXXX data breach ( XXXX XXXX : XXXX ) reported in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts on my XXXX and Transunion credit report that I did not authorize or open. These accounts are directly related to my compromised information from the XXXX breach. 

XXXX XXXX ( Account XXXX ) : New Fraudulent Charge, {$4200.00} balance XXXX ( Account XXXX ) : New fraudulent charge of {$6000.00} XXXX CARD ( Account XXXX ) : New fraudulent charge of {$6100.00} Actions Taken to Protect Myself I have taken the following actions to protect myself and to report the identity theft : Filed identity theft reports with the FTC ( Identity Theft Report # XXXX ) Placed fraud alerts on my credit reports with all XXXX  major credit bureaus Frozen my credit reports with all three major bureaus Currently in the process of filing a police report Legal Violations XXXX and Transunion 's Violation of 15 U.S.C. 1681c-2 Under this statute, XXXX and Transunion are required to block the reporting of any information identified by the consumer as resulting from identity theft within XXXX business days. However, XXXX and Transunion has failed to remove the fraudulent items on my report, even after XXXX  days, in clear violation of the law. 

XXXX and Transunion 's Violation of 15 U.S.C. 1681b According to this statute, a consumer reporting agency may only furnish a consumer report with written instructions from the consumer. I never authorized or consented to the reporting of these fraudulent accounts, which violates my rights as a federally protected consumer. No consent is given in cases of identity theft. 

Debt Collection and Charge-Off Violations XXXX and XXXX have both charged off the fraudulent accounts. Under the IRS regulations ( specifically Section 6050P of the Internal Revenue Code ), once a debt is charged off, the lender must issue a 1099-C to the debtor and should cease collection efforts. As these accounts are the result of identity theft, I should not be held liable, nor should these debts be reported on my credit. The presence of these charged-off debts on my credit report is a violation of my rights.
Consumer complaint received 2022-08-07
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. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (ME)

I open an account they said it was opened and then I received the letter saying that they couldn't open an account and then now it states that I have three accounts open I can't access one of them I see listed under my email I applied for a car loan my credit was misrepresented an equity within my current car checks that I deposited were held longer than outlined within the deposit information that I received at that time overdrafts in which my account wasn't supposed to have the option for overdraft protection it's supposed to fall back on my savings and apparently credit card account was created after I was denied
Consumer complaint received 2024-11-01
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. (TX)

I am writing to formally request the blocking and permanent deletion of the accounts and credit inquiries listed below from my credit report. I am a victim of identity theft resulting from a data breach, and I believe these accounts and inquiries were made fraudulently without my authorization. My request is made in accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ).

Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX - XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX - XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (MI)

HJR 192 72 10 USC 15 SEC. 1681 The government is responsible for all debts and I am the original creditor, therefore I give value not receive it. The living entities fund the corpus ( dead ) paper entities. This is direct injury to me as the living, and I can seek damages and recourse through various remedies and redress.
Consumer complaint received 2022-08-07
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)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2022-08-07
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. (OH)

I received notification from TransUnion there was a hard inquiry XX/XX/22 from XXXX XXXX XXXX I did not apply for credit with this company and want this fraudulent inquiry removed. I received an offer in the mail after this inquiry shows, Offer says " accept your offer at XXXX personal offer code XXXX. I never responded applied or gave my permission to run my credit. This a violation of FCRA.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

Subject : Urgent Assistance Needed : Unauthorized ACH Transfer Intended for Personal Use Dear Consumer Financial Protection Bureau ( CFPB ), I trust this message finds you well. I am urgently reaching out to request your assistance in addressing a critical matter concerning my business banking account, XXXX XXXX, held with JPMorgan Chase. 

Account Closure and ACH Transfer Rejection : On XX/XX/XXXX, my business account was officially closed and charged off. Regrettably, on XX/XX/XXXX, an unauthorized ACH transfer was initiated, inadvertently directed to the closed account. Upon discovering this, I promptly visited a local JPMorgan Chase branch on XX/XX/XXXX, where it was confirmed that the ACH transfer had been rejected on XX/XX/XXXX. 

Unlawful Application of Funds to Business Account : To my dismay, on XX/XX/XXXX, I learned from Supervisor XXXX ( ID number XXXX ) that JPMorgan Chase applied a partial sum of {$5200.00} to the closed account on XX/XX/XXXX. The attached documents dated XX/XX/XXXX highlight my visit to the Chase branch. This raises significant concerns, as the ACH transfer was intended exclusively for personal use and not for business affairs. 

Contravention of Business Banking Account Agreement : It is crucial to underscore that the application of the ACH transfer to my business account without explicit authorization goes against the terms outlined in our business banking account agreement with JPMorgan Chase. This unauthorized action necessitates immediate attention and corrective measures. 

Supporting Documentation : Attached are documents providing evidence of the unauthorized ACH transfer and subsequent application to the closed business account. These proofs underscore the urgency and severity of the situation. 

In light of these circumstances, I earnestly seek your prompt intervention to investigate this matter. Your support in facilitating communication with JPMorgan Chase is crucial to swiftly rectify this unauthorized application of funds and to ensure adherence to the terms stipulated in our business banking account agreement. 

Thank you for your prompt attention to this matter. I trust that, with your assistance, a swift and fair resolution can be achieved. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Business Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP (FL)

Abusive language/tactics : Lying and manipulation are abusive forms of communication. 

" US Bank '' won't respond and coordinate to provide information to the CFPB, BUT they can monitor the complaints and find a way to send " false information '' directly to the person complaining.

The investors working behind the US Bank name " front '' are FL Bar Attorneys who block, hinder, interrupt and sabatoge ANYONE who makes the slighte
st attempt to avail their legal right to obtain justice and remedy for a wrong by using accessed Fl Courts ( State and Federal ) system.

See attached, 7 cases of mine and my right to remedy for damages were stolen from me at the hands of FL Bar Attorneys.

They never wanted me to pay a " mortgage '' because there never was a " mortgage. '' But they insist on making me come to Court to agree to allow them to steal something from me to remedy non-existent damages. 
Real estate is a monetary benefit for them.

Many people in Florida used to be afraid of FL Bar Attorneys. Its used to be a puzzling phenomenon.

No longer do this exist.

Their " slips '' have fallen, it's showing for all to see.

They are they only ones who can't see it on the ground.

That's the NEW phenomenon.
Consumer complaint received 2022-08-07
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)

TransUnion LLC has violated United States Federal Law Gramm Leach Bliley Act 15 U.S. Code 6802, 6803, 6821 entire section of the Gramm Leach Bliley Act ( GLBA ). 
TransUnion LLC Has violated XXXX XXXX rights to privacy and shall be held criminally accountable with Prejudice! 

XXXX XXXX XXXX ALL RIGHTS RESERVED.
Consumer complaint received 2022-08-07
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. (NC)

XXXXXXXX XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXXXXXX XXXX  XXXX XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (TX)

I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to XXXX. I am not familiar with this debt, and I have never taken out a loan from XXXX. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. 

Upon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with XXXX. The reported amount and the alleged occurrence date are from the year XXXX. However, I have not received any documentation or notice from XXXX regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. 

I have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ADP Inc. (IA)

I had a couple of transactions I didn't make I told her not to deactivate my card as this is my only income but she shut it off any way without my consent I did get my money back but there has to be a better way to do this now I have to wait two weeks and I can't go visit my dead dad tomorrow because I have no money besides what is on my card and no way to get it out I have XXXX kids and last card I got too almost 3 weeks I can't wait that long some thing needs to be done I'm pissed off
Consumer complaint received 2022-08-07
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. (IN)

I filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas  addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXXXXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance
Consumer complaint received 2022-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX SS : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ATTN EQUIFAX CREDIT BUREAU ( INFORMATION MISSING AND INCORRECT INFO REPORTED ) I am writing this to request a full investigation and clean up of my credit report. I believe I was a victim of your coding error this month and that is totally unacceptable. My current credit report contains multiple missing items and incorrect information! THIS INFORMATION MISSING AND INCORRECT IS AFFECTING MY CREDIT SCORE AND HISTORY. IT IS ALSO HURTING ME FINANCIALLY. 

I have requested a correction multiple times however every representative has failed to provide help. I am attaching a current report that I pulled showing my current report and have marked all of the items that need to be investigated. Per my FCRA rights, you are responsible for providing accurate information and if you fail to do so, you could be liable for damages. Below is a breakdown of everything that needs to be adjusted. 


PERSONAL INFORMATION Name - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Current Address - XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX Previous Addresses - XXXX XXXX XXXX, XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. 


MISSING ACCOUNT ATTACHED TO FILE INSTALLMENT ACCOUNTS XXXX XXXX XXXX, CLOSED, UNSECURED LOAN, BALANCE {$0.00} XXXX XXXX, OPEN, SECURED LOAN, BALANCE {$970.00} XXXX XXXX XXXX, PAID, SECURED LOAN, BALANCE {$0.00} XXXX XXXX  XXXX XXXX SECURED LOAN, PAID, BALANCE {$0.00} XXXX XXXX, XXXX LOAN, CLOSED, BALANCE {$0.00} XXXX XXXX, OPEN, CURRENT, BALANCE {$2200.00} XXXX XXXX XXXX, CLOSED XXXX SECURED LOAN, {$0.00} XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, BALANCE {$0.00} XXXX XXXX XXXX, SECURED LOAN XXXX PAID, BALANCE {$0.00} STUDENT LOANS XXXX ( STUDENT LOAN ) XXXX, BALANCE {$7000.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$5500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$4500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$6000.00} RENTAL AGREEMENT ACCOUNTS XXXX XXXX XXXX RENTAL AGREEMENT XXXX, XXXX, XXXX DEROGATORY ACCOUNTS THAT WERE RE-ADDED WHEN THEY WERE PREVIOUSLY REMOVED WHICH IS A VIOLATION XXXX XXXX NEEDS TO BE REMOVED. 

I need a response ASAP. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (MD)

On XX/XX/XXXX I called Avant Customer Service spoke with XXXX XXXX she stated that she worked for a 3rd party company on behalf of Avant ) to report fraudulent charges and request that my account be closed. I stated " I do not want new card ''. 

Emails sent to Avant customer service XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX all requesting that fraud charges be looked into. I had also called several times throughout the day and hold times are ridiculous. 

I logged into my account on XX/XX/XXXX, on my dashboard it stated that I had applied for a credit card on XXXX and XXXX. I called customer service and spoke to XXXX. He would not provide an ID # or anything else except his first name. I was very clear in the fact that I DID NOT apply for any credit cards with Avant. he stated that I must have clicked on something on the website! Are you kidding me??!! I did not and was clear that someone was doing this with my information. My account was not closed as requested on XX/XX/XXXX. i requested the account be closed due to fraud. XXXX would NOT close my account. 
This account was paid in full months ago and I do not use this card. The dashboard also states that i should activate my new card. I have never received a new and do not want one. 

Avant is egregious in its business practices, does not provide the consumer with mandatory information ( no letter or any type of communication was received that a fraud investigation was completed on my account ) and refuses to close accounts upon consumer request. As well, I have requested XXXX be removed from my account as my balance was XXXX months ago when I paid it off. 

This company is disgusting at best! I want my account closed, the XXXX removed off the balance and they need to be investigated. Complaints have been filed with several bureaus