davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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)

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX transunion XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and Equifax, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a bankruptcy discharge and a Bankrupcy that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and Equifax, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.
Consumer complaint received 2024-06-22
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. (PA)

To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-07-18
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: Global Lending Services LLC (TX)

I have noticed unauthorized inquiries on my credit report that I would like to have removed. According to the FCRA these unverified and unauthorized items must be removed immediately. 
Information reporting listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

XX/XX/2020 Chime XXXX Inc, closed my account with {$12.00}, XXXX in it. The funds was direct deposited into my account by the Georgia Department of Labor during 2020 Coronavirus pandemic. I was laid off and used my chime account to receive my unemployment funds. Chime randomly closed my funds and refuses to give me access to my funds or my account. I filed a previous compliant with Customer Finance in which Chime requested I submit proof of residency in Georgia. I submitted my 2020 Georgia paystubs as requested still to have no resolution. My account is still closed and Chime is refusing to reopen the account or release my funds. I have submitted every document requested over a year with no results. Chime is stealing my money and refusing to give it back. Chime has no right just to take someone's money and keep it. If my account was CLOSED my funds should have been release within XXXX days via check according to federal laws. Chime has been holding my funds hostage for over XXXX  years now. I have submitted documents and more documents. Most documents do not have anything to do with Chime and should not be requested in order for me to obtain my own funds.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (WA)

XXXX XXXX XXXX XXXX  This is my 4th complaint in 2 years against US Bank 's incompetent escrow/insurance department XXXX As a term of my loan US Bank insists on having escrow on insurance and taxes but it treats that money as monopoly money without any proper checks and balances paying bills that are already paid and expressly disregarding instructions. 

In the latest case, I had emailed US Bank on XXXX XXXX XXXX that my insurance is already paid and they no longer need to pay it and can release escrow back to me. They confirmed twice that this would be done. But yesterday I got a notice that they have indeed paid insurance again. 

I even emailed them to tell them that their online system still shows the insurance payment as a next expense and then i stopped getting responses and eventually as i feared despite a >1 month heads up they made the insurance payment despite it being made already and now i have to fight with the insurance company on getting back my double payment.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These inquiries were added to my account without my consent. I mailed the credit reporting companies and have yet to receive a response and its be 40 days as of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I got a letter from a debt collection company called Portfolio Recovery Associates , LLC. It talks about a debt that I have no knowledge of. 
It is asking me to pay a certain amount to 'Get me out of this debt '. 
This is an outright scam
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (VA)

This complaint is the follow-up complaint of the previous complaints ID XXXX AND XXXX AND XXXX AND XXXX AND XXXX AND XXXX. 

The XXXX employee XXXX of Ally Bank did not answer my questions in complaint ID XXXX AND XXXX AND XXXX. 

The XXXX employee XXXX of Alley Bank marked my complaints ID XXXX AND XXXX AND XXXX as DUPLICATED and did not respond. 

HOWEVER, WHAT THE XXXX EMPLOYEE NAMED " XXXX '' OF ALLY BANK DOES NOT KNOW IS THAT ALL COMPLAINTS ARE AVAILABLE FOR PUBLIC TO SEE AND ALL OF MY COMPLAINTS AND FEEDBACKS ARE PUT TOGETHER LIKE A LONG STORY AND WHEN XXXX XXXX OF ALLY BANK MARKED AS DUPLICATED. IT SHOWED THAT SHE WAS ADMITTING THEIR MISTAKES AND AVOIDING TO ADDRESS THE ISSUE. 

My questions once again is " What EXACTLY AND SPECIFICALLY did I do wrong to my accounts that I caused harms to my accounts and Ally Bank? '' In the complaints ID XXXX AND XXXX AND XXXX, the ignorant employee " XXXX '' kept saying over and over again that the reason why they closed my accounts was because I caused harms to my accounts and to Ally Bank, then I kept filing complaints ID XXXX AND XXXX AND XXXX asking Ally Bank this question " Please explain what EXACTLY AND SPECIFICALLY did I do that you said I caused harms to my accounts and Ally Bank that Ally Bank closed down my accounts? '' but she marked it as " duplicated '' and and did not answer. 

The real problem, the original problem was that Ally Bank is an online bank and their online banking was down ALOT ALOT AND I MEAN ALOT that I could not pay my bills and I kept complaining about it then they REVENGE me by closing my accounts kicked me out. They should feel shameful and embarrassed for this action.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXX AND EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent several letters asking for the removal of inaccurate information including personal information that is reported on my credit reports. I have in return, received letters stating that they can not verify my identity. I have sent in a copy of my id information.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM VICTIM OF FRAUD, THEY MADE DIFFICULT HARD INQUIRIES ON MY REPORT WITOUT MY AUTHORIZATION, PLEASE HELP ME ELIMINATE IT. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30
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: EQUIFAX, INC. (NY)

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am looking at my credit report and noticed there was something I noticed that was not correct. I sent a letter to Experian explaining that I am a victim of identity theft, their were fraudulent accounts opened in my name. In the beginning, those accounts were DELETED. Most of those accounts were closed, however, Experian is still reporting negative activity to those accounts as open. I was told to file a complaint with FTC and also file a police report. In addition, add a fraud alert to my credit profile and upload supported documents for evidence. I did ALL that was asked. In addition, the item ( s ) were Deleted. However, Experian is still reporting as ACTIVE accounts. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to section ( f ) and except as provided in subsection ( g ), if the completion or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item ( s ) from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the disputes from the consumer or resellers. According to 15 USC 1681e ( b ) states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Described of reinvestigation procedures.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (MI)

XXXX time share is a scam using fraudulent bank called COMINITY CAPITAL / XXXX XXXX  that lends money to XXXX on our names without our knowledge and we are obliged and penalized further by the credit rating agencies like XXXX, ( XXXX and others ) relay this false scam in our credit reports. 
XXXX made a fraudulent contract with all lies using smart cheaters who spoil the vacation of the gullible. 
I dispute the XXXX contract # XXXX Please see the fraudulent agents of XXXX warned not to invite tourists especially in Florida and call them inside XXXX XXXX ' hotels, lies and create accounts on our name in a fraudulent bank called COMENITY CAPITAL BANK XXXX Comenity bank then sends money to XXXX and bills us. XXXX, XXXX and XXXX etc are then make bad credit rating XXXX based on fraudulent XXXX AND COMENITY CAPITAL BANK. 
WORKING WITH XXXX IS ALSO A PAIN AS THEY SEND PAGES AFTER PAGE OF DATA WITHNO CLEAR ANSWER. 
Please ensure XXXX contract # XXXX is cancelled as told them by mail immediately after we came back in 5 days. XXXX is also very difficult to communicate as their associates are trained not to answer or cancel contracts as requested. 
XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (FL)

I use to own a restaurant in XXXX  ( XXXX XXXX ) I used to use XXXX credit card reader from XXXX XXXX XXXX, I use this company for only XXXX month and after I separate from this company due to dispute and other XXXX. After the separation they asked me to return XXXX of the credit card reader in which I comply and kept the other XXXX in my garage ( collection dust ) because they say to me they don't need it I still have the tracking number. After a wile ( 1 years ) i find out out of the blue that the company put me in collection for something that I don't even know sop I start to call several time for several months ( like XXXX to XXXX ) and ask when I was in collection, they can't explain why and few time they told me that it will be resolved asap I wait an-other r month and nothin happen I call again and after hours of conversation they told ma again it will be resolved in few days, month pasty and nothing yet, I called again and again with people that can't even understand what going on until XXXX XXXX from the company tell me exactly what happen, the reason was that I need to return the other XXXX device which I did it again I XXXX the receive for this item and I called to let them know that the devise was sent. few weeks passed and I'm still in collection, I ask the collection personal and I asked them why they do not remove me even after I send those item, they replay and say Because .... I DIDN'T SEND THEM AFTER 10 DAYS!!!! with my surprise I told them that I spoke with the company and they suppose to take care the problem but they didn't. At this point I don't know what to do anymore because I comply with everything they ask me, but I still in collection, and I believe those 10 days the where written in a fine print that I can't even read. 
thank you
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MD)

two orders were placed in my name through the XXXX account. I called 14 times in the month of XXXX, and 11 times in the month of XXXX reporting and getting updates of the fraudulent activity. On XX/XX/XXXX I was told that an " unauthorized activity investigation '' had been opened and I would not be responsible for the unauthorized transactions. '' Since then XXXX has texted me, called me, emailed me, and refered my account to collections. Each time I have had any of the above contacts I have immediately called to verify that this matter was being investigated and that I was not held liable. Today I was contacted by XXXX 's collections department trying to collect the debt which the XXXX system had identify as delinquent. I was threatened with credit reporting action, and again, I verified that the accounts were from fraudulent transactions
Consumer complaint received 2023-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-10
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.