davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (NC)

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.

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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TomoCredit Inc. (OK)

There is a company called Tomo Credit that helps build credit. They do not keep proper track of payments and charge my accounts several times in a month until I blocked them from charging my account. My balance is suppose to be a lot less and no one is keeping track of payments. I've tried calling, several different emails, messaging their social medias, going through their website to settle this debt I have with them. I was beginning it was a scam or fraudulent company, but now I think it's just run on Ai and no one is actually managing it. The account now shows on my collections, and I can't even contact anyone with the number provided on my credit report. All their means of contacting are automated.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

A credit card was approved and opened on XX/XX/XXXX. Upon logging into the Chase app, I can see the alert history that the approval notification was sent to an email but I know it wasnt my email as I checked my inbox and didnt find anything on XX/XX/XXXX. I tried to ask them to provide more information on the email but they are unable to provide that. Along with that, I am confused how Chase was able to allow someone else to open an account under my identity as they often require a security code as a two-step authentication.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I made a wire transfer of {$10000.00} after the wire transfer fee to my coinbase account on XX/XX/XXXX, XXXX the money was made available to me same day, i tried withdrawing the money to another wallet address same day, i was sending the balance of {$4000.00} when they put a hold on the withdrawal, it was meant to last for XXXX days and at the time they wanted me to verify my id if i wouldn't want to take that long to wait on the withdrawal and at that time, I haven't gotten my ID even after i applied for XXXX as my previous ID was missing, i had to wait for them to mail my ID to my mailbox, it was taking so long so i decided to use the picture of my ID on my other phone so i took a snap of the picture of my ID on my other phone and sent to coinbase to initiate the withdrawal on XX/XX/2024 and next thing is my coinbase account was blocked, I called them and explained to them, they said my money in there was safe and i should contact them when i get my physical ID. On XX/XX/XXXX, I got my id in the mail and i called coinbase support and when i did i sent them all the documents they requested for verification ... ..and its over XXXX months and not a feedback from them and i cant sign in to my coinbase account either, they told me they will send an email to me after review and when I try to call them or reach out to them, they tell me to stop contacting customer support as it will delay my account review, its just so frustrating and aggravating and up till date, I haven't gotten a feedback or whatsoever in regards to that ... .I sent them messages on social media and I got the case number XXXX
Consumer complaint received 2023-09-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
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. (FL)

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.

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 2024-05-20
Product: Credit reporting 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. (NJ)

Experian Credit bureau has taken credit file access from me since last XXXX months. 
Every time I call them they ask me to wait XXXX hours to access my credit file. 

I also sent letters requesting access to my credit file on Experian website but they are not responding. 
Letters sent on XX/XX/XXXX and XX/XX/XXXX with my Driver license and SSN card attached with the letter. 

Every time they say system has an error.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (MD)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 
I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED FROM TRANSUNION LLC Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Last 4 SSN : XXXX Date of birth : XX/XX/year>
Consumer complaint received 2023-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (NV)

My cousin was given a paper work not hiding information or in a envelope. Just a paper displaying all information and he was told I am being sued by Crown Asset Management. Important paperwork like this kind should be at least in a envelope not out for everyone to see my information. 

From my understanding if I am being sued the paperwork should have been given to me personally not someone else other than me. Especially if I was not at the home.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My account with NISSAN MOTOR was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

NISSAN MOTOR Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

Looking to get validation of Debt owed from Jefferson Captial I never had an account with them, and I never opened an account with them. Need to get validation of debt owed from them directly because I am confused. Need open date directly from Jefferson Captial in writing no other place no other creditor but from Jefferson Captial. I need open date to show proof because if I owe them the debt then I need the original information from them directly. No billing statements but original contract, original documents.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

The new interest rate at Macy 's, CitiCorp is 34.49 %. That is 26 % above the XXXX XXXX and primarily falls on the poor. 
This is outrageous and should be against the law.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (GA)

I initiated a wire transfer with XXXX Bank on XXXX XX/XX/year>, the funds were deducted from my account the same day. On XX/XX/year> the beneficiary has still not received the funds. All that Discover could tell me was that the funds were being processed through a chain of banks and the Federal Reserve. They provided me with a wire trace number or tracking number : XXXX. But I can not do anything with that number- discover can not do a wire trace for me, and I do not think that the destination bank will run a wire trace for me. My real estate closing is at XXXX today ( XX/XX/year> ), and if funds are not received immediately, the closing will be delayed. The other wire transfer I did with a different bank went through on the same day, so I do not understand why it is taking so long with Discover.
Consumer complaint received 2024-07-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

Gm, Ive been going back and forth with cash app about over 100 disputes from play perfect, they recently approved most of the disputes after my first complaint to you guys, now they keep denying the remaining charges in which I was suppose to be refunded for all charges from the month of XXXX on XX/XX/year>. I have disputed the remaining transactions twice and they denied it twice with the refund receipt from the company. Cash app does not truly investigate these disputes what they do is denied you based of account activity which is bogus. Im tired of having to continue to fight for my money, no other bank does this nonsense, Im tired of the company play perfect telling me one thing and doing anything. Cash app needs to stop denying the last couple of disputes and give me my money Im tired of the back and forth and time wasted, I have already lost out on hundreds of dollars with play perfect during this dispute because cash app does not do disputed part 60 days so all my disputed transactions from XXXX and XXXX where not given back to me with proof that I was suppose to get this money all back so I loose my money I dont think so, if your company states they refunded me from XXXX up until XX/XX/XXXX for all transactions from XXXX XXXX XXXX XXXX and XXXX I expect all my money because at this point cash app and play perfect are going to see me in court, CASH APP learn to do things accordingly because you do not you dont investigate disputes properly I did these disputes again manually which take me time out of my day and take a long time to do one by one for cash app to deny it in less then 24 hours of me doing it and having no proof of why they denied only that the transaction seems right and went through with no issues thats ridiculous. This is the last time Im going to do through this with cash app or the other company I have already reached out to a lawyer about what cash app does dispute wise.
Consumer complaint received 2024-07-03
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: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companys listed above I noticed unauthorized inquiries on my credit report .
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

I have an account on my credit from Jefferson Capital Systems for a XXXX bill. I have not had XXXX since XXXX. I have been trying to take care of this for literally years. We changed phone carriers and I sent back the only phone that was leased in a package that they sent me. They still want to collect for phone even though they acknowledge they received it. I have spent countless hours trying to take care of this and they sent it to collections a couple years ago anyway. I dont feel like I should be extorted so I was just going to let it hang out on collection and let it drop off. XXXX must have decided to change collection carriers to Jefferson Capital Systems. I was not notified or given my 30 days from them. They decided that they would put this on my credit as a brand new debt! Therefore it started process and hurting my credit all over again 6 years later. I would appreciate any help you can give me. 
Thank you!