davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Capital One Attn. : XXXX XXXX Capital One XXXX XXXX, VA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED CHARGE- OFF ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized Charge -Off on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX  consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA* ) codified at 15 U.S.C 16186 ( a ) 3 ( 1 ) ( i ). Chester v. Purvis, 260 F. sup 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with Capital One furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with Capital One for review for collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C.168In ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to Name, Address, City, State Zip code Best Regards, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (MN)

this notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. XXXX XXXX XXXX- {$400.00} XXXX XXXX- {$300.00} MN CHILD SUPPORT ENFORCEMENT {$2300.00} XXXX XXXX {$300.00} XXXX- {$31000.00} US DEPARTMENT OF EDUCATION {$3800.00} US DEPARTMENT OF EDUCATION {$6200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$9800.00} XXXX XXXX  {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} US DEPARTMENT OF EDUCATION- {$6200.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$9800.00}
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from 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
Consumer complaint received 2023-09-25
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. (NJ)

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. 

Account Name : XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One, Account # XXXX. On XX/XX/2022 there was a wire transfer of $ XXXX {$30.00} fee taken from my account. I called them several time but all they said that this was FRAUD. Someone at the company that this was from a mortgage company. I sent them a rentals agreement that we have but of no use. Also called XXXX XXXXl and no response. My wife found out that they had paid a refund to individuals. Since this was done, I didn't not send this complaint in.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I applied for a small business loan to open a line of credit for my small business. I was declined because of my personal credit and its for my small business not me. I cant run my company at 100 % without funding. 12 usc 1431 are required by law to fund small business with XXXX with out documentation. I had to show funds and run personal credit. I feel like my equal credit opportunity and consumer credit protection was violated by doing so. I just want funding for my small business. Everyone I talk to did have an answer and they just bounce me around the phone. I have my LLC and ein information what else do I need to get funding for my small business.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TN)

First I would say Santander is a loan shark company as I have been paying over 20 % interest on a lemon a car I havent even been driving. They blocked me out of my account online forcing me to pay over the phone but when I pay over the phone my payment is posted 24-48 hrs later they made a mistake on a previous ACH payment. Im NOT working Im A XXXX veteran and Im Not even driving the car because Ive had to pay all kinds of maintenance fees in repairs. My son who is serving overseas left me his car. In the meantime I am expecting a payment from my former employer because I was wrongfully terminated in 2014 ended up homeless lost my house and needed a car. My case was in litigation at the XXXX for more than 5 years and I just got a decision on XXXX XXXX but they still had not paid me as I was declared a federal whistle blower for reporting patient neglect. I was expecting a payout so I called Santander to request the payoff amount noting they are supposed to have programs for people with financial problems! I asked the rep to take off the late payments she then says I have good payment history and then turned around and retroactively posted the late payments that are posted late because of their system to my credit after the fact! Noting this only occurs AFTER I called to get the payoff so In addition to being a crooked loan Sharking company they decided to try and sabotage my credit only AFTER I called to get the pay off amount. 

I didnt pay off the car yet. But now I see just how calculated this loan sharking company is! 

Dont ever do business with Santander
Consumer complaint received 2024-04-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-04-22
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. (SC)

XX/XX/23 - I receive my Equifax consumer report # XXXX And the report is continue to report South Carolina Bankruptcy Court . And the Bankruptcy court does NOT report to any credit reporting agencies. And I have not give Equifax or XXXX XXXX my written permission to report any my information to any consumer reports. If the XXXX XXXX or Equifax can not provide proof of my written permission, THEN, public report needs to removed from any & all of my Equifax consumer files or reports... PER 15 U.S. Code 1681b - Permissible purposes of consumer reports.. ( 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.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One you are in violation of the Gramm Leach Bliley Act by law before sharing my information you must give me the opportunity to exercise my opt out notice You ( Capital One ) did not disclose this information to me that is required by law. 
Capital One knowing and willfully withheld information regarding the disclosure of my information to affiliated and non affiliated third parties. Capital One your knowingly and willfully withheld information that explain how I the consumer can exercise that non disclosure option You have 10 days to delete this account # XXXX from all credit reporting agencies and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation.
Consumer complaint received 2024-01-14
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MI)

I am writing to address a concern regarding a late payment entry on my Macy 's credit card account, specifically related to the period during the COVID-19 pandemic. I believe that this late payment is subject to the protections outlined in the CARES Act.It has come to my attention that a late payment entry has been reported on my credit report, and I would like to request the removal of this entry. My understanding is that, under the CARES Act, if a consumer makes an arrangement with the creditor and fulfills that agreement, the creditor is generally not supposed to report the account as delinquent. 

I kindly request Macy 's consideration in removing the late payment entry as a gesture of goodwill. I am committed to maintaining a positive credit history, and the circumstances surrounding this late payment were beyond my control. 

The creditor has refused to remove the late payment after contacting them several times.Uploaded is the bank statement that shows payment.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc (TX)

PayPal Fraudulently opened a checking and savings account in my name without my consent. All charges on this account or accounts are fraudulent. The IP address used to login to the account doesnt match my IP address, the email address used to register the account doesnt match my email address. The cards werent ever sent to me. I didnt sign any applications nor have given my authorization to PayPal to open said accounts. PayPal proceeded to fraudulently link several banks and accounts and cards to this fraudulent account. PayPal then proceeded to falsely accuse me of opening these accounts based on their analysis. None of these Debit cards match any of my accounts nor cards. They allowed funds transfers without my consent. Again I never had access to these accounts. These accounts listed are fraudulent bank accounts and have been closed due to identity theft as proper protocol. PayPal says they verified these and then later said they are having a problem verifying the cards linked. PayPal charges these accounts over {$5000.00} in identity fraud charges. PayPal refuses to close the account and said they cant speak to me about the matter. Yet PayPal has yet to provide proof I signed any application or granted my authorization. PayPal transferred these funds and PayPal authorized these accounts. I have not signed any applications and my consent was not granted to open the fraudulent accounts. Im a victim of identity theft and the email address XXXX IS FRAUDULENT. XXXX XXXX XXXX. PayPal is now attempting to collect this debt which I never obtained. I did not receive any monetary benefits from these accounts and I want them closed as fraudulent applications. I will not pay this collection agency and I am disputing this debt which is in my legal rights. PayPal has an obligation as a financial institution to research and resolve identity fraud. Yet this fraud was caused by PayPal. Opening accounts without my consent.
Consumer complaint received 2023-12-21
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. (PA)

I XXXX XXXX have listed the inquiries below. 


inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (AZ)

I have disputed specifically with XXXX because this issue is only with XXXX. Creditors are responsible for correctly reporting information to the credit bureaus. After having my information looked over by a lawyer and looking through the credit reporting laws myself, I want to make sure the closed account under XXXX gets taken off my XXXX credit report. This is important because it has had an impact on my everyday health and wellness. I know XXXX didnt check it because I asked XXXX to send me the information, they used to investigate that the account is accurate. I asked them to send me the documents they used to verify this information and I still have not received any. So, I dont believe XXXX investigated my account dispute deeply. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] states that this information is supposed to be given in under XXXX days. If written notice is not sent within this XXXX period, then XXXX is in violation of the FDCPA. 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. Account 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 an account without my written instructions15 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.

I am writing to dispute the following information that appears on my Equifax report : Collection account from XXXX XXXX XXXX with a balance of {$280.00} past due as of XXXX XXXX. The original creditor is XXXX XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (KY)

I called the Credit reporting agencies after noticing that they were reporting a U.S. XXXX Court item on my credit report and they never answered my question after I asked if they validated the information with the original creditor. I spoke with the U.S XXXX Court and they stated that they do not provide information to credit reporting agencies which is stated on their website as well. Per the FCRA the information is not validate so they must remove the information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the XXXX XXXX XXXX XXXX PRIVACY LAW.
Consumer complaint received 2024-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

I sent a communication to XXXXXXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXXXXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Consumer complaint received 2023-07-09
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. (PA)

In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.