davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1996 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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. (SC)

The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (NV)

the following hard inquiries were not authorized and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX XXXX XXXX made a mistake on their end and told me to return items online instead of in store, the associate I spoke to said I can keep the items or give them away. i notified that to Chase and even gave the proper documentation of what was going on it seems as if they're still confused on how the claim should be processed because the categorized it as fraud which I did make the purchase, but XXXX XXXX owes me money back because they were at fault. This is totaling at {$4200.00} and XXXXhase 's disputes team called me XXXX day still acting confused as to what's going on as if the screenshots I sent them explain everything. Chase didn't even notify me until I see my account negative over XXXX XXXX dollars. XXXX XXXX are frauds and stole my money even though i returned the product it's in all the screenshots I sent and they never refunded me. I need my money back or there will be very serious consequences for both XXXX XXXX and Chase. XXXX XXXX should not be contacted whatsoever I already talked to them and they told me to kick rocks, so i charged back with my bank and Chase categorize it under the wrong thing.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX XXXX. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account on my credit report.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.
1. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under XXXX XXXX XXXX civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (AZ)

I opened my U.S. Bank account in XXXX and this is now my XXXX complaint Ive had to file against them. So overnight on XX/XX/XXXX, I noticed that they returned my XXXX XXXX payment for {$20.00} even though I had a direct deposit pending into the account. My understanding is I have overdraft protection and most banks will allow you to overdraft the account even up to {$500.00}. So I feel the {$20.00} cleared since it was direct deposit pending that wouldve covered that amount and also they should post direct deposit sooner like XXXX XXXX for example other banks will post a direct deposit up to two days early. So it looks like anything over {$50.00} dollars they will return. So I want to warn others either make sure you have funds in account. Overdraft protection is awful with US Bank even if have a low ACH like {$20.00} then they will return your payment. I never had this issue with XXXX or XXXX XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was incredibly shocked and dismayed to find incorrect accounts listed on my credit report. I usually review my report without issue, but todays discrepancies came out of nowhere. Refreshing my browser didnt fix the problemthe inaccuracies persisted. I urgently request a thorough review of the documents Ive provided so I can finally stop stressing over this.
Consumer complaint received 2024-08-08
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 my previous complaint I mentioned a violation that XXXX XXXX  has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX  still is reporting these transactions and experiences.
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IN)

Saturday, XX/XX/XXXX at XXXX received a text message stating Harris & Harris is a debt collector who collects for the OK toll authority, that I owe {$49.00}. I live in Indiana and did not ever travel through Oklahoma to warrant these charges. They have the account XXXX for the XXXX XXXX XXXXXXXX listed but no dates, no reference information/details. 

Yesterday, I received a second text requesting the amount of {$49.00}.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have inquiries on my file that I did not do nor authorize. I filed an FTC report and sent it to the credit bureaus. Experian is claiming it can't be removed because of an auto loan taken out around the time of the inquiries. I explained to them that I specifically went to XXXX XXXX XXXX XXXX XXXX  only because I was pre-approved with them and there was no one else I applied to. They refuse to listen. They are assuming a dealer initiated the inquiries while looking for a loan but as I explained to them that was not the case because I didnt purchase a car from a dealer. The loan obtained was to buyout the lease of my current vehicle. There is also a XXXX XXXX credit card inquiry that I did not authorize and they refused to remove it.
Consumer complaint received 2023-06-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THIS FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SHALL DELETE FROM MY CREDIT REPORT BECAUSE I NEVER LIVE THERE AND IT WAS OPENED DUE TO FRAUD WITHOUT MY KNOLEDGE. 
THIS ADDRESS WAS ADDED TO MY CREDIT REPORT ALONG WITH A FRAUD ACCOUNTFROM XXXX XXXX XXXX  THAT VIOLATE MY COSUMER RIGHTS AND BEEN THREATHING ME OVER THE PHONE FOR PAYMENTS. 

DELETE THIS FRAUD ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (PA)

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 mis-statements 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. 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 this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

Please note. This debt that is attributed to me, is over {$70000.00}. I deny that I ever applied for or acquired these funds. Please provide the original note that shows my wet signature agreeing to this amount. Please provide the information regrading the educational institution who received these funds. The documents provided in response to my inquiry, by the company, may have been fraudulent constructed. The documents submitted in response to my complaint, by the company, does not show that this is a loan I used nor authorized, or used. Please provide the paper trail of the funds used, when the funds were used/dispersed, which institution were the funds disbursed to. I am also asking that this entry be removed from my credit report immediately. I used pell grants to fund the majority of my education...
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, was never late! I have had exceptional payment history witH XXXX  XXXX 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 violat

es 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 60 days 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2024-08-07
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. (GA)

Subject : Immediate Attention Required Violation of Privacy Protections Under 15 USC 6801 and 6802 Dear [ XXXX, XXXX and Equifax ], I am writing to demand immediate action regarding a grave violation of my privacy rights under 15 USC 6801 and 6802. It has come to my attention that my private information has been unlawfully furnished to your agency without my explicit consent and without the required documentation. This is a blatant breach of the Gramm-Leach-Bliley Act ( GLBA ) and demonstrates a reckless disregard for federal privacy regulations. 
Under 15 USC 6801, financial institutions are unequivocally required to : Ensure the security and confidentiality of customer records and information. 
Protect against any anticipated threats or hazards to the security or integrity of such records. 
Guard against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
Furthermore, 15 USC 6802 explicitly prohibits the disclosure of nonpublic personal information about a consumer to non-affiliated third parties unless the consumer has been provided with a clear and conspicuous opportunity to opt-out of such disclosure. You have failed to ensure that the information furnished to you complies with these mandatory requirements. 
Your failure to adhere to these requirements has resulted in the unauthorized dissemination of my personal information, thereby exposing me to potential harm and inconvenience. This breach of privacy is not only unlawful but also subject to significant penalties. Under the GLBA, non-compliance can result in fines of up to {$100000.00} per violation for the institution, and individuals, including directors and officers, may be personally fined up to {$10000.00} per violation. 
I demand the following actions be taken without delay : Cease and Desist : Immediately halt any further unauthorized sharing and use of my personal information. 
Investigation and Rectification : Conduct a thorough investigation into this violation and provide a detailed account of your findings. 
Policy Review : Review and update your privacy policies and procedures to ensure strict compliance with the GLBA and other relevant privacy laws.

Confirmation of Compliance : Provide written confirmation of the measures taken to rectify this breach and prevent future occurrences. 
Failure to address this violation promptly and adequately will compel me to pursue further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal recourse to protect my rights. 
I expect a comprehensive response within 15 business days from the date of this letter. Should you have any questions or require additional information, you may contact me at [ XXXX ]. 
This matter is of the utmost seriousness and urgency. I trust you will handle it accordingly. 

Account that Need to be Removed immediately XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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: DISCOVER BANK (FL)

I have sent you the information to the fraud department compliance on my account is in tact. 

You should be receiving a lawsuit from me as soon as next week for your failure to comply with the FCRA causing me to lose over XXXX due to negligence of reporting on a credit card that is fraudulent. 

Failure to comply with the FCRA is a serious violation of the law.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

to whom it may concern i got a bunch of hard inquries list dates and comapnies i never applied or gave anyone authorization to run my credit score i've tried to call these companies and get the run around. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/year>, I sent a debt validation letter by certified mail to XXXX XXXX XXXX. XXXX did not furnish me with the necessary evidence to substantiate the debt, nor did they validate it within the stipulated timeframe and they backdated everything. If a debt collector refuses to provide all the requested paperwork and information and still pursues debt collection, it is against the Fair Debt Collection Practices Act ( FDCPA. ) I received a " Account Summary Report '' in the mail from the debt collector, which did not validate the debt. But in terms of the FDCPA, this is not " debt validation. '' I would like this debt to be deleted from my credit report immediately.
Consumer complaint received 2024-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

Capio Partners ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) claiming that {$90.00} is due for XXXX XXXX XXXX XXXX dating back to XX/XX/XXXX but I've long since paid off any outstanding fees for any medical visits I had well over a year ago now. They've been harassing me through text and phone calls, and had previously tried to extort me for a debt for XXXX which I've never used in my life, before giving up and selling the debt to another collector. I haven't received any late or missed bill notices from my medical providers, and it can't be legitimate debt as I've ensured that autopay was active for those visits. The most recent letter I've gotten from them is XX/XX/XXXX. It seems like they keep buying debts and harassing people just to see what sticks and have people just pay it even if it's fraudulent just to get them off their backs.