davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rozlin Financial Group, Inc. (LA)

I am writing to file a formal complaint against Rozlin financial Group LLC for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent Rozlin financial Group LLC a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Rozlin financial Group LLC has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt.

Additionally, despite failing to validate the debt, Rozlin financial Group LLC has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I have a chime checking and savings acct.i received a deposit and needed to send my tenant some money. It asked me to use her name or email or chime tag..I used her name as she is a chime user and in my contacts I've never sent her money previously. Her name came up I proceeded to send her XXXX. She never received it we both called immediately and was told to file a dispute I did.sevral hours later I got denied no explanation or answers to where my money was. I spent hours trying to get answers only to be told nothing ..it 's gone ... unacceptable..that is not how banks do things ..I can't believe they just are like so sorry bye.In trying to find help I've read that this happens all the time chime steals people 's monies ..how is this legal
Consumer complaint received 2022-08-06
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. (GA)

am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking, experian to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell Experian no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts, I have enough information Im providing I did file XXXX  complaint against experian, I want these accounts gone experian is in violation of the FCRA, experian has violated my rights, attorney says this can become a legal issue please delete these accounts, I am a XXXX none of these companies have it on documentation as me being a XXXX I was told by a lawyer that I hired to sue XXXX XXXX and XXXX that all my information was leaked on the dark web, social security number, drivers license number, phone numbers, addresss, emails, I want these accounts taking off or it becomes a legal issue I will sue
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. XXXX and Experian fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting companies.
Consumer complaint received 2022-08-06
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. (NJ)

To Whom It May Concern, EQUIFAX BROKE THE LAW Pursuant to 15 us 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 

Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail in the initial investigation of this investigation as you assumed this role you also assumed the information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not insure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( D ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

I have tried to reach out to you twice so far to no avail. On XX/XX/XXXX using certified mail # XXXX and on XX/XX/XXXX using first class mail.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MI)

I signed up for this company by mistake ( online ) its a charge account that sells products I don't want and keep reporting to my account and I never gave them permission! 
Kickoff lending llc
Consumer complaint received 2022-08-09
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)

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 a account without my written instructions.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX  the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I noticed an old, disputed account reappeared on my credit profile. This item was disputed in XXXX and reappeared on my report XX/XX/XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 611 and Section 617 if the UNVERIFIED item/s listed are not deleted immediately. After the investigation this item was deleted. Unfortunately, the joy was short lived. The item has returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 1681I ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I havent received any of this, because of this, I am demanding you remove all information associated with this debt from my credit report instantly!

Also, under pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. XXXX never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported.
Consumer complaint received 2022-08-09
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: JPMORGAN CHASE & CO. (TX)

( Chase ) XXXX XXXX credit card. I was buying tickets, when there was a spot to put it kn credit. So I did. The promotion said XXXX off XXXX in miles or something along them lines. After I did it I tries to buy the tickets and the price changed. So I didn't buy them, used my other phone and bought them off a different credit card. I called them to cancle they said they couldn't it was already in the process. I also the promotion that they gave me was spend a XXXX and get XXXX miles. That's not what I signed up for. I know I did participate in the application. So this might be my fault but I personally don't think so. Now I have a hard hit on my credit report and new card that I'm not going to use and my credit will go down. because of the two problems I listed. There customer service was unprofessional and you could barely understand them.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

I was denied credit by Amex in XXXX, XXXX which is unlawful pursuant to XXXX XXXX XXXX To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider The Equal Credit Opportunity Act ( ECOA ) was signed into law in XXXX and prohibits lending discrimination in all aspects of a credit transaction.
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022 I initiated a Consumer Credit Transaction with Chase bank for an auto loan in which I was denied. I then proceeded to call the chase auto finance team to see why they commited an adverse action against me as defined in 15 USC 1681 ( k ). 12 CFR 202.9 ( b ) ( 2 ) makes it clear, Statements that the Adverse Action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. So, the first time I called I talked to a lady that said I was denied because I didn't meet chase standards. I referred her to the Equal Credit Opportunity Act and she told me that her supervisor will reach out to me in 24 hours. She did not. So, I called again and spoke with a guy named XXXX. He also informed me that I was denied because I didn't meet chase standards. He informed me that chase does follow the Equal Credit Opportunity Act. I told him the same law, he then proceeded to give me false and inaccurate information willingly and knowing which is a violation of 15 USC 1611. I then spoke with 2 other ladies who said they would have the supervisor call me. I finally get a call from the supervisor and she also informed me that I was denied because I didn't meet chase standards and policies. I informed her of the law, she then proceeded to ask me for the code, look up the code, and tell me a bold face lie that the law was referring to business credit which is also a violation of 15 USC 1611. All calls are recorded as the chase automated message says. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Let me make it clear if my car is sold because chase chooses to willfully violate my rights and discriminate against me. I WILL SUE!
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I noticed an old, disputed account reappeared on my credit profile. This item was disputed in XXXX and reappeared on my report XX/XX/XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 611 and Section 617 if the UNVERIFIED item/s listed are not deleted immediately. After the investigation this item was deleted. Unfortunately, the joy was short lived. The item has returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 1681I ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I havent received any of this, because of this, I am demanding you remove all information associated with this debt from my credit report instantly!

Also, under pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. XXXX never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported.
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (GA)

My husband and I paid our mortgage on XX/XX/2022 using the mortgage statement that was sent to me by American Pacific Mortgage and the loan number provided on the statement. The mortgage payment has been deducted from my account. I called American Pacific Mortgage to confirm payment was applied to account because they didnt provide an online portal to review account. When I called I was told there was no record of an account in my name or my husbands name, I was told that mortgage number did not exist and that they have no record of a payment. I asked them how was that possible and I was told they didnt know and now my money is not accounted for and Im told we do not have an account but on all of our closing docs and our mortgage statement all have this loan number we were told doesnt exist.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

In 2018 we lived in an apartment complex, and were in our last month of the lease. During this time the unit was flooded by a leak from another unit, and cause damage to our unit including all of our furniture. It was also during this time that there was a change in management companies. We attempted to explain the situation to the new management company, but they refused to accept anything less than us paying for the damage. We refused, and it was turned over to a collection agency. I again disputed the debt with the collection agency, but they refused to listen. At the time they were given pictures, and documents as proof of the damage, but still refused to accept nothing less than us paying for damages to the unit. We lived for several month with a large hole in our bathroom wall due to this issue. We do not believe this debt is owed by us, and believe false information was used to create the debt.
Consumer complaint received 2022-08-06
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the following items : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-06
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 XXXX XXXX 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