davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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. (IL)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 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 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 2024-07-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 1st Franklin Financial Corporation (GA)

My wages were garnished by 1st Franklin Financial Corporation beginning in XX/XX/XXXX at {$210.00} per paycheck. On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX reached out to my employer 's XXXX XXXX XXXX and stated that they had only received XXXX payments as of that date and that there was an outstanding balance of {$1300.00}. The Compliance Officer sent me an email stating that the garnishment would begin again and be reflected on my XX/XX/XXXX paystub. The remaining balance was garnished from my wages and the final total was displayed on my XX/XX/XXXX pay statement. In XXXX of XXXX 1st Franklin began reporting an unpaid balance of XXXX on my credit report. I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for more information on why this was occurring. She then stated that they never received XXXX payments. She stated that the Court system had recently been hacked and that she would attempt to track down the missing payments. I followed up our conversation with an email and sent a physical letter to the po box to create a paper trail. It has been well over the 30-day timeframe to investigate this matter and we have yet to reach a resolution. I called on XX/XX/XXXX to yet again get an understanding of why this error was still being reported on my credit report and was told that XXXX XXXX no longer works for the organization therefore my investigation fell through the cracks and no investigation was performed on the part of 1st Franklin to track down the payment that they are missing.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NV)

Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. 

Im not paying no Collection Agency XXXX. XXXXXXXX XXXX  Resurgent Capital. Im not paying you XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX and this XXXX XXXX country XXXX. Give us back our holy land so yall can stop corporately scamming us. Stay yall XXXX XXXX XXXX  XXXX with this XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. 

Under the doctrine if estoppel by Silence, XXXX vs XXXX ( MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 15 USSC 1681 never giving written consent For LVNV Funding LLC Collections Agency to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681 is never giving written consent to furnish or obtain my information.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Whenever I try to add my XXXX XXXX XXXX card to XXXX XXXX, I get an error message that states " Card Not Added. Contact your card issuer for more information. '' I contacted Comenity Bank several times on XX/XX/year>, and they were not able to help me add my card to XXXX XXXX.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX checks were deposited into the wrong account. XXXX checks for XXXX were deposited into a XXXX XXXX account belonging to XXXX. XXXX checks for XXXX were deposited into a Chase account belonging to XXXX. Then on XX/XX/XXXX the checks were deducted from XXXX account and neither party has been refunded. Where is this money? It was a total of {$4600.00}. Checks written by me ( XXXX XXXX ) were accidentally deposited into a Chase account to the wrong person. Chase deducted the amount and has never given anyone the money. They said a check would be mailed to the person on the Chase account but they never were. Chase has been giving us the run around. I called on Thursday XX/XX/XXXX to file a claim. They took all my information and said to call back in XXXX hours to give me a reference number. When I called back on XX/XX/XXXX, they said they never received anything from us!! I asked where the money is and they told me XXXX XXXX needs to call to claim the funds. I called XXXX XXXX and they said they never heard of anything like this. That it was " fishy ''. Chase provided me with the following reference number XXXX. XXXX XXXX called from the XXXX, CA branch ( XXXX ) and she said she spoke to Chase and there's nothing they can do.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2024 the bank makes a debit from my bank account of XXXX as an automatic payment of my credit card. The same day I called to claim this because I did not have the autopay active. This same day they make an adjustment and charge the debt of XXXX on my credit card but to date they have not returned the money to my bank account.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service (SC)

The Military star card provided by XXXX XXXX card was set to automatic payments. I never received notice that the payment was not being received and then recevied a notice that I was being sent to collections. As of current I have received notice that they have flagged my credit with collections notice witho0ut proper due process.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (FL)

I have reached out multiple times about this account not being mine, only to receive the explanation of a " payment ''. I am not asking for amounts paid, as i very well had roommates. I am requesting proof that this is mine because i did not issue payments or opened this account and i am requiring LVNV Funding to provide that proof or remove this. This has been going on for extremely to long and needs to be removed or provided with accurate evidence so i can either file a police report ( as the police have already requested ) but without EVIDENCE i can not. With that being said, i need this figured out.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

In end of XX/XX/year> I received an email thanking me for opening a bank account at " First Citizens Bank ''. I also received an email from them for setting up my password for my " new '' bank account. I just did not click on anything and made a mental not to look into this.

Then I received 3 hard copy mail notifications at my home address about 3 bank accounts in my name at " First Citizens Bank '' that had been debited with money. 

In XX/XX/year>, I also received bank statements for 2 of the above 3 accounts. 

I never opened any accounts at " First Citizens Bank '' myself. I have never intended to do any business with them let alone deposit money. This is clearly fraudulent activity that needs to be stopped. 

Thank you for all your help with this.
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payfare International Inc. (GA)

I called payfare Lyft directs pay card service to get access to my account after switching phones XX/XX/XXXX. They asked me several questions about myself and the account in which I answered I told them I don't know password and security questions which is why I can't get into account. that has over XXXX dollars in it of my money. Which I need to pay bills. They hung up on me.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (FL)

How every day I enter the app to check the status of my credit cards, today XX/XX/year> an auto lend account that I do not know appears in my XXXX report, I have not request a loan for auto lend, report how identity theft to the federal trade commission, I called XXXX to make a dispute because I have not requested any loan, please I need help, I am a victim of identity theft.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (NC)

Reporting Account TRANSWORLD SYSTEMS has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for and purpose
Consumer complaint received 2024-07-02
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: Block, Inc. (AZ)

Received a card with my full name on in the mail from CashApp today, XX/XX/2024. Did not request this card. A identical situation just happened like this in the last week and I contacted that company ( XXXX ) and have recently put fraud alerts out on all XXXX credit bureaus. I just want to ensure this does not keep happening. I also am in the midst of updating my recently legally changed name and the name on the XXXX cards I've received is my old name.
Consumer complaint received 2024-07-12
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: Army and Air Force Exchange Service (NC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

I got scammed on XX/XX/XXXX and my bank hasnt done nothing about it and this was with Truist banking Ive called multiple times about this and they launched an investigation just for me not to be refunded. I got scammed out of XXXX dollars from two separate transactions one from an XXXX gift card from XXXX dollars and another XXXX gift card XXXX dollars so Ive been calling for a straight XXXX weeks they closed my case XX/XX/XXXX after I literally was so emotionally feeling helpless about this whole situation and I still do it feels like they want me to XXXX XXXX what happened.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SUNCOAST CREDIT UNION (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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 whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Acceptance Corp. (MO)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.
Consumer complaint received 2024-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (FL)

On Several occasions, spanning between XXXX, I entered into several consumer credit transactions with U.S. BANK XXXX submitting applications for credit with my social security number and autograph, creating value and a security interest as collateral security for the vehicle I desired and is my inalienable right to have. They accepted my security interest, but then discriminatorily denied me access to the accounts, due to third party reporting agencys website communications ; that of which I have no contract or permissible business with. Several accounts have been created, in my name, misrepresenting my identity and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and Federal reserve banks . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any Federal Reserve Bank may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any Federal Reserve Bank, National or Member Bank. 
U.S. BANK is actively committing securities fraud and are intentionally and knowingly keeping me from trading, although I have prepaid each time, for the goods, thus says Federal Law and congress. This whole experience has stressed me out tremendously, resulting in weeks of inability to perform daily duties. I have limited transportation due to these unlawful denials of my rights. I have missed business meetings and other opportunities due to these violations. I am currently owed at least {$200000.00} in credit.