davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.
Consumer complaint received 2023-11-14
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. (WI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$4700.00} ; XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XX/XX/2021.
Consumer complaint received 2024-06-03
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. (GA)

EXPERIAN REINVESTIGATION REQUEST NOTICE XX/XX/year> I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ACCOUNTS : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] EXPERIAN is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph XXXX, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Consumer complaint received 2023-12-01
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: Resurgent Capital Services L.P. (NY)

I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (CA)

Last month I financed a two-week Air XXXX rental with Klarna IncXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, klarna.com. I ended up cancelling the reservation and was credited for a refund of my cleaning deposit only. My problem is that I do not have a copy of my original loan documents, so I dont know what my legal rights and obligations are under the loan agreement, and I want to know. I texted Klarna and received an automated response that Klarna does not provide loan verifications or any form of such documentation. Eventually, the system handed me over to customer service representative XXXX, who told me Klarna had e-mailed me, on XX/XX/year>, XXXX XXXX XXXX with the legal information regarding your loan with us and XXXX, which is our associated bank. I do not have such an e-mail in my records. XXXX said he was not allowed to re-send the document. Eventually XXXX told me to e-mail XXXX to request the loan documents. I asked if they would be provided to me and he said they would. On XX/XX/XXXX, XXXX in business operations e-mailed me what he described as a copy of your loan agreement for order no. XXXX attached, but the attachment is a blank page. I notified him and have heard nothing since. I believe I should be entitled to a copy of the original loan agreement and Klarna has not offered me any reason for withholding it. I do not want to breach my obligations to Klarna, but in order to do it, I have to know what my obligations are. Please help. Thank you.
Consumer complaint received 2024-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

The Company ( Firstmark Services ) continues to neglect my main Grievance at hand previously presented, and spout only scripted information to me without cause for relief. 

Further, the representatives ( in most recent case, XXXX XXXX. ) neglect the information provided in these Grievances regarding my request to ensure my loans are placed in a XXXX XXXX XXXX  for dates aforementioned -- and instead send only the same scripted information as noted. I would like to note that I further have not been provided the options for " proof '' of residence, as my ID is furnished by the New York XXXX ( my XXXX  state ) XXXX which allows out of state addresses for XXXX XXXX XXXX XXXX XXXX -- as stated prior, I am willing to provide a copy of such ID or banking statement and/or auto insurance which reflects my present MAILING address in XXXX XXXX XXXXXXXX XXXX, California XXXX However, I am uncertain of what " proof '' to furnish for employment, as I am a XXXX XXXX XXXX  for private families, and providing their personal information violates multiple state and Federal statutes including Personal Health Information act. I am however amenable to providing my California XXXX XXXX  as well, if Firstmark Services contacts me directly to facilitate this matter 's full resolution. 

Kindly note that I further remain perplexed as to why Firstmark Services refuses to phone me from senior management level to walk me through this issue, and resolve it amicably -- and I kindly request urgent escalation of this matter, prior to next steps of reaching out to a professional contact at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aid in the ongoing, arduous and extremely distressing matter 's full and immediate resolution. As this is my third complaint against Firstmark Services without resolution, I am also requesting that a CFPB XXXX XXXX be assigned to this complaint urgently. 

Kindly advise urgently as I wish to resolve this matter as soon as possible & amicably at this level. 

Thank you kindly in advance.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio collection is trying to pull a fast one by putting false information into the credit beauru and continuously verifying it. 
Under the truth and lending act rule 632 you must obtain a judgement or provide proof by documentation that you are owed a debt. Also the FDCA states if a debt is disputed by writing it must clearly state the debt is disputed in it report. I do not owe this debt and am asking for documents showing agreement, commitment, balance, and signature. They refuse to provide. This is the first step before litigation in a full tort claim against this diabolical act.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NJ)

Sagestream LLC They are asking for info about me that I am not comfortable giving them in order to receive a copy of my credit report. XXXX, XXXX, and XXXX don't make it so difficult.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/year>, I filed a dispute with Huntington Bank, on a company that gave me the wrong product and would not give me a refund. I explained to them I contacted the merchant and they were not willing to help me. I gave them and simplified the issue in every way possible for them to understand that the product was not what I ordered. The product I ordered was a wig. The problem with the wig is that the density was not what I ordered. I paid {$100.00} more for density and that's what I expected, therefore the product was not what I ordered. The density is the fullness of the hair. If I purchased a density of 180 % I would only have to pay about {$150.00} but by me purchasing a wig for 250 % density it cost more. I paid {$240.00} for the wig. When I received the wig I immediately contacted the merchant. I sent photos to the company and Huntington Bank proving my claim. I also sent messages between the merchant and me to Huntington Bank. Unfortunately, Huntington Bank did not even look into the case and did not help me to get a refund. They said it was a " quality issue '' and they do not handle those. To me, it seems they were insinuating that I just did not like the wig that was sent. I told them that was not the case and it did not have anything to do with me not liking the wig because I do like it, just not what I paid for. They were not willing to understand me and just assumed that I was the problem. I had an issue with a door from XXXX XXXX being the wrong size and I was given a refund by the bank when I disputed but this one is different, which I don't understand how. I think it's about them not normally dealing with wig issues and not having the knowledge of this type of situation. I hope they can get someone who deals with wigs to look at my case and have the knowledge and understanding of wigs. If I paid for a product I did not get through my bank, I would think my bank would consider that as a great reason for a dispute and refund me my money back. The merchant never responded to my bank about the dispute because they knew they were wrong. I am the woman in the XXXX XXXX, as you can see my hair is not as full as the other women 's hair. The merchant stated my hair was the same density as the woman in the XXXX XXXX XXXX. As everyone can see it was not. All the hair I had was pulled to the front in the video, none was at the back.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (AL)

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : WESTLAKE FIN, Account name : XXXX XXXX XXXX ( original creditorXXXXXXXX XXXX XXXX XXXX XXXX Account name : I XXXX XXXX  ( original creditor : XXXX XXXX XXXX  ), Account name : XXXX XXXX ( original creditor : XXXX XXXX XXXX ), Account name : XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC 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 Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

This morning, I had a positive balance of {$70.00}. At XXXX, I was charged an overdraft fee of {$180.00}, putting the balance of that account at - {$100.00}. I am overdrawn because of an overdraft fee.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (GA)

I went to my bank to deposit a tax refund check that I've received from the irs which is internal revenue services. That was XX/XX/year> and then on XX/XX/XXXX the check had been cashed by jp morgan chase bank. Then they put a restriction on my account when the funds was ready they said when the check is verified by the irs then they will release the hold of my funds. But yet they didn't do that they closed my account without reasoning saying that they no longer can do business with me without any reasoning. I never had an account with this bank until this year so I dont see what the problem is. Also I've contacted the irs about this issue they said that the check is good and clear I shouldn't be having any of these issues they even told me that they will send proof that they check has been cashed by the bank. The bank claims that they sent the check back to the irs but the irs said they never requested for the check to be sent back. They were also trying to figure out if they check wasn't variable how was it cashed. So the irs then sent out proof documents that the check was cashed and that chase cashed the check. So once I've received the documents I then went bank to the bank and I had the irs agent on the phone as well because we are trying to figure out where is my check or the funds. XX/XX/year> I went into the branch with these documents to let them know that they did cash my check and also the agent wanted to know how they verified the check which email they used to verify but they didnt want to inclose any of that information i just want my check back or they need to release my funds this has something to do with discrimination because of my XXXX XXXXXXXX I can't be owed a certain about of money this is crazy to me these banks just stealing people money and nothing is being done about it but this situation here something needs to be done i have bills and debt to pay just like everyone else they shouldn't be holding my funds and then close the account and dont are cant send any evidence of what there doing thats a violation to EFTA and thats why I'm filing this complaint today enough is enough. jp morgan bank and other banks already been sued already because of situations like this and then I asked for the corporate number they told me they dont have the number I have to wait til somebody reach out to me with is XXXX excuse my language but I am furious this is now XXXX and this issue has not been resolved ASAP and everyone there need to lose their job. Even the lady that was helping me saying that was wrong she just work here and this issue is above her and her pay rate which means she couldnt't help me either.
Consumer complaint received 2024-06-03
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. (MA)

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX