davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

My online account had been locked out due to an incorrect password. When I called to reset my password, Citibank informed me that they decided to, at some point, close my savings account. The reason would be mailed to be in 30 to 60 days along with a check with the amount of my savings account. This is an issue because all of money that I need now is in that account including for mortgage and a credit card bill that I need to pay by the XXXX of the month. When I told them I needed the money as soon as possible they told me I could not get that money now and I would need to go to the nearest branch. However, I live in XXXX where there is NO branch and so I can not access a bank in person. They are refusing to give me my money that I need right now to live and make my payments.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I had two purchases from Amazon.com on XX/XX/year> for {$1200.00} each. However i returned both items afterwards in which one item was returned successfully and one seems to be lost in transit via UPS because the tracking has not been updated for several weeks. However Amazon refuses to give my my refund and when I contacted my bank Chase they refused to do anything about it.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

XX/XX/year> I received an email stating my account was frozen/suspended. I recently cashed out a retirement account I had at XXXX when I was working at XXXX. It was over XXXX I had cashed out and deposited into my Venmo account. This was deposited on XX/XX/year>. I used it a few times on things like vacation, bought a couple things, transferred XXXX XXXX to my real bank account, all good. Then out of the blue on the 4th I get this notice. I still have over XXXX in there and they are holding it XXXX. I have provided them with all the ridiculous things they have asked for. Also, the 2 emails they sent me asking me to respond to them, both go back to XXXX so there is literally no way to respond to them. They dont tell you how to respond at all. I ended up finding a contact us form where I had to take screen shots of the emails and then put into a document the things they are asking for. I get no confirmation that they received it. You cant call in and talk to anyone who can do anything. There is no way to actually speak with a person here. I started researching this issue and there are XXXX of people in the same boat. All I want is to be able to transfer my money out and into my bank account. I will then close my accounts there and make sure everyone I know does the same. I have done nothing wrong, shady or illegal. Please help me resolve this.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me XXXX XXXX. Please rectify this error promptly by updating my account.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

My email is not reliable and the bank is charging me {$1.00} a month to mail me paper statements. I feel this is discrimination against the elderly, uneducated and people that can not afford a computer. 

I spoke with a representative today and there is no exceptions for this new fee.
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

I applied for a Macy 's credit card a long time ago and recently the Macy 's in XXXX CA. on XXXX XXXX informed me that I had a rewards card and a store credit card and I could use my store credit card if I provided my I.D . when I shop if I do not have my plastic card. I tried to do it and they told me they could not find it and they refused to give me a refund for a jacket I purchased and wanted silk lining instead of the kind it had.bIt was a black leather jacket around {$330.00} usd. ; It was on sale and only a few days after I purchased it I tried to return it and I was informed they would cash refund me but they needed to get so e more cash in the register. XXXX came and refused and I was informed by the president she did not work there really and she did not have on a name tag. I need compensation ect,. because I needed a warm jacket to replace it. I still need my Macy 's credit card also. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-06
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. (OH)

I did not file any disputes with Experian this year and yet I am receiving daily emails. Can i have {>= $1,000,000} because I didnt file a dispute into my accounts nor I knew about my any dispute. I was surprised by the emails I received at XXXXXXXX XXXX XXXX, or XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

CMRE Financial Services was sent an account by mistake after the debt was paid in full. I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, after receiving a 30 day notice dated XX/XX/XXXX. The account was then wrongfully sent to CRME for collection AFTER payment was received and BEFORE 30 days.

CRME started collection calls in early XXXX, before i was aware the account was sent to collections, so I assumed the calls were a scam. I received notice from CMRE on Monday, XX/XX/XXXX. I called the following day, Tuesday, XX/XX/XXXX and requested information on how to dispute the debt. I was given an email address and told to send proof of payment such as a bank statement showing the payment. I did this on Tuesday, XX/XX/XXXX. 

No one ever responded to the email, and I received multiple phone calls per week after sending proof of payment. I sent a follow up email on Sunday, XX/XX/XXXX asking the calls to stop, again, no response, but more phone calls. 

On Thursday, XX/XX/XXXX, I answered the call from CRME to find out why they were continuing trying to collect, and was told that my proof of payment was not sufficient because my bank statement I had attached, did not have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a follow up email with further proof of payment- multiple bank statements with the same office listed on the statements as well as statements from XXXX XXXX XXXX XXXX the payments. 

Again, no response to my email, but the calls continued. 

I called XXXX XXXX XXXX  to ask what could be done to get the collection calls to stop. They had no reason as to why the account was sent to collections in the first place, but they would provide me with a paid in full receipt to provide to CRME. I waited for the receipt to arrive in the mail. It finally arrived to me on XX/XX/XXXX. 

On XX/XX/XXXX, I sent the paid in full receipt to CRME. Again, no response from them. Calls still continued. 

On XX/XX/XXXX, I received notice that my dispute was denied, and they would continue to attempt to collect. I am at my wits end here, and don't know what else I can do to fix this. 

I will attach all correspondence.
Consumer complaint received 2023-12-29
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. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX I requested to have LOUISIANA-SCRA be applied to my American Express account XXXX 
XXXX XXXX My request was denied and was stated if I have additional documents, that I can resubmit. So I resubmitted with additional documents ( LES showing my home of record is Louisiana, activity duty status, SCRA for Louisiana Laws plus more information. ) XXXX Just received another denial for SCRA citing my card already has XXXX and that debt was acquired during military time. Even though XXXX XXXX XXXX debt acquired before and during XXXX XXXX status.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX has failed to send me proof/verification of the accounts they report to the credit agencies on my behalf. I have attempted to gain this info from XXXX and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : XXXX. XXXX XXXX XXXX FOR THE AMOUNT OF {$770.00} XXXX. XXXX XXXX XXXX XXXX  FOR THE AMOUNT OF {$960.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$25000.00}
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAP ONE AUTO XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am rewriting the complaint to CAPITAL ONE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX payment was made XX/XX/XXXX instead of due date XX/XX/XXXX. 
Amex late fee {$29.00} Interest of XXXX purchases of {$2700.00} - {$44.00}. 
I use a bank bill payment by mistake I entered XX/XX/XXXX instead of XX/XX/XXXX. 
typically I pay by the XXXX of he month
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-04-24
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. (KY)

In accordance with the Fair Credit Reporting act XXXX account XXXX  account XXXX XXXXXXXX, 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account XXXX XXXXXXXX, 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: RentDebt Automated Collections, LLC (FL)

On XX/XX/2024, I called the debt collection company to inquire about the debt associated with a shared lease agreement for an apartment I previously rented. During this conversation, I was informed that the debt amounts to approximately {$9000.00} to {$9700.00}. This range was provided by the companys representative. However, I believe there may be inaccuracies or discrepancies in this amount.

My guardian had to include my name and my younger sisters name on the lease in order to be approved for the apartment. Despite our names being on the lease, we were not responsible for the rent payments. The terms of the lease and the financial responsibilities of each tenant were not clearly disclosed at the time of signing the lease agreement, leading to confusion regarding the debt amount and shared responsibilities. Additionally, the customer service provided was vague and did not offer a satisfactory explanation or follow-up.