davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I am getting tons of unsolicited emails from Citizens bank with no Opt Out option. 
They are in violation of anti spam laws. 
I tried calling them but no one can help me. 
I want to opt out of these emails.
Consumer complaint received 2023-04-15
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$2400.00}.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report, which I believe violate the provisions of the U.S. Code 15, Section XXXX, and other relevant laws pertaining to consumer credit reporting. 

On XX/XX/XXXX, I sent a letter to TransUnion disputing the accuracy of nine hard inquiries listed on my credit report. These inquiries are dated between XX/XX/XXXX and XX/XX/XXXX. Despite providing valid identification and a copy of my credit report clearly highlighting the inaccuracies, TransUnion has failed to respond satisfactorily to my dispute. 

According to the U.S. Code 15, Section 1681, consumer reporting agencies such as TransUnion are required to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, they are obligated to investigate any disputes filed by consumers regarding the accuracy of the information and to correct any inaccuracies promptly. 

I have attached a copy of my valid identification, which includes my current address, along with a copy of my credit report highlighting the disputed hard inquiries. Despite providing this documentation, TransUnion has failed to take appropriate action to remove the inaccurate information from my credit report. 

As per the provisions of the U.S. Code 15, Section 1681, and other relevant laws, I demand that TransUnion conduct a thorough investigation into the disputed hard inquiries and delete them from my credit report within 30 days. Failure to do so will leave me with no choice but to pursue legal action against TransUnion for violating federal law. 

Additionally, I am requesting compensation of {$1000.00} for each inaccurate hard inquiry listed on my credit report, as permitted under the law, should TransUnion fail to rectify this matter within the stipulated timeframe. 

I trust that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure that TransUnion complies with its legal obligations regarding the accuracy of consumer credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-01-17
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)

Re : Formal Complaint - Violation of 15 U.S. Code 6802 - Discrimination Concern - XXXX  XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potential violation of 15 U.S. Code 6802 by XXXX  XXXX, a financial institution that I have an account with. 

As a consumer, I am entitled to privacy protections under this statute, which mandates that financial institutions adhere to specific requirements when disclosing personal information. Section 6802 stipulates that financial institutions may not disclose nonpublic personal information to nonaffiliated third parties unless certain conditions, such as providing proper notice and an opportunity to opt-out, are met. 

My concern is twofold : a potential violation of this statute and the consistent misuse of my credit report. I spoke with a manager at XXXX XXXX on XX/XX/2024, at XXXX XXXX. Unfortunately, despite my efforts to seek clarity and assistance, the manager refused to provide any help or information. 

This refusal to assist has intensified my concerns, leading me to believe there may be a deliberate pattern of negative reporting that goes beyond normal circumstances. Consequently, I feel compelled to bring the issue of potential discrimination to your attention. 

This letter serves as a formal request for your intervention in this matter. I am urging a thorough investigation into the potential violation of 15 U.S. Code 6802. Additionally, I request confirmation as to whether XXXX XXXX has complied with the statutory provisions. If a violation is determined, I kindly request that XXXX XXXX ceases and desists from reporting any further negative information on my credit reports. 

Given the urgency of this matter, I would appreciate your prompt attention. Furthermore, I insist on a thorough examination of the potential discrimination issues arising from the consistent misuse of my credit report during the investigation. 

I am submitting this complaint electronically for your records. Please acknowledge receipt at your earliest convenience. 

Thank you for your attention to this serious matter. I look forward to your assistance in resolving these concerns. 

Sincerely,
Consumer complaint received 2024-04-16
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. (MD)

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 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MD)

I am writing to dispute and request the removal of inaccurate information from my consumer file with XXXX. The information in question pertains to late payments attributed to accounts listed on my consumer report. Pursuant to relevant federal statutes, including 15 U.S. Code 1666b, 5 U.S. Code 552a, 20 U.S. Code 1232g, and 15 U.S. Code 1681b, I assert that these late payments are in violation of my rights and federal regulations, and therefore, should be expunged from my consumer report without delay.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the necessary information required by law, is mailed or delivered to the consumer at least 21 days before the payment due date. Failure to comply with this requirement renders any late payment designation invalid. 

Moreover, the Privacy Act of 1974 ( 5 U.S. Code 552a ) stipulates strict conditions for the disclosure of records contained in a system of records, including the requirement for prior written consent from the individual to whom the record pertains. This extends to information related to a student 's application for or receipt of financial aid, as outlined in 20 U.S. Code 1232g.

Additionally, under 15 U.S. Code 1681b, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Without such authorization, any addition to the consumer report constitutes a violation of the Fair Credit Reporting Act. 

Therefore, I demand the immediate removal of late payments attributed to the following account : Dept of Education/NELN [ Account Number : XXXX ] Late payments in XXXX : XXXX, XXXX, XXXX, XXXX Late payments in XXXX : XXXX, XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Upon receiving notifications in my credit monitoring system, I discovered an abundance of inquiries that I am unfamiliar with. These inquiries are not associated with me, and thus, I did not provide my consent for them. This situation constitutes a violation of 15 USC 1681 B : Permissible of Consumer Reports, and I kindly request their immediate removal.
Consumer complaint received 2024-01-18
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. (MO)

The accounts been negatively reported are in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' The Affidavit of XXXX XXXX XXXX  will explain the fradulent concealment of facts regarding money creation and allege loans or credit, hence a debt never existed. 
There is no basis for reporting allege debts associated with a fictional legal entity, not me the living flesh by the registered DBA.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the XXXX behind these INQUIRIES. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian slow-walks updates purposely. I contacted XXXX  on or about XX/XX/XXXX  to manually update my accounts to a {$0.00} balance as they were paid immediately after the reporting cycle ended AND I am in the process of purchasing a house ( lender requirements ) so all accounts need to be accurate to maintain a suitable credit score. On XX/XX/ XXXX submitted update requests to XXXX, XXXX, and Experian. On XX/XX/XXXX, XXXX and XXXX updated the accounts as requested however as of XX/XX/XXXX  XXXX has refused to update the accounts. Additionally, on XX/XX/XXXX  Experian updated the alerts section of my credit report to reflect that XXXX reported the balance as such on XX/XX/XXXX  - this is typical of Experian when balance disputes are lodged ; they do not investigate rather they simply restate what is already contained in the report from a historical position which is not the legal requirement when a dispute is lodged. I have seen this trend occur with disputes from Experian over the past three years.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (VA)

Ive spoken with Westlake Financial XXXX XXXX throughout the year 2023 recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. Westlake requested the dealership to buyback this loan. They did not. Thats why this is on my credit Westlake Financial told me. However, through all of my digging its been verified through Westlake Financial that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per Virginia law. This agreement was never fulfilled at the start. Therefore the contract is null and void.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TN)

Ive been using cashapp for years. Recently I had a large deposit made ( large amount ) and I suppose they thought it was fraud. I currently have {$70.00} in the account that I cant deposit to my bank or send to anybody else. Cashapp disabled my card and froze my account without any type of email or contact on regarding the issue. Ive tried reaching support but no answer. please help!
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I was contacted by XXXX from Visa/XXXX  XXXX XXXX Chase ) regarding two questionable charges in my credit card. I verified that the two charges were not made by me and they are erroneous/fradulent. XXXX cancelled by card and had Visa issue me a new card. On XX/XX/XXXX I opened my Statement and and saw dozens of new charges from the same merchant ( XXXX ) in the amount of {$4600.00}. I immediately called Visa aXXXX XXXX XXXX. and spoke with XXXX. She agreed that the new charges looked suspicious and questioned why the electronic wallet feature had NOT been disabled by XXXX when my new card was issued! She issued me another new Visa card and agreed to have Visas Fraud Department review all of the XXXX charges. On XX/XX/XXXX I received a letter from Chase informing me that the original two charges were unauthorized transactions and therefore were not my responsibility and would be removed from my credit card. However, on XX/XX/XXXX I received another letter from Chase informing me that all of the subsequent Revolut charges were my responsibility and therefore would be added back to my most recent ( 3rd ) card! I have had multiple conversations with various individuals from the Chase/Visa Fraud Department XXXX XXXX. XXXX on XXXX XXXX ; XXXX on XXXX XXXX ; XXXX on XX/XX/XXXX ). They keep insisting that Im responsible for the charges because someone used the electronic wallet feature on my phone, got my credit card number, and used that information to run up dozens of fraudulent charges through XXXX. The total of the disputed charges is now about {$17000.00} and I cant seem to get these fraudulent charges removed! 
P.S. Ive had a XXXX XXXX XXXX card since XXXX and I always pay the full balance every month.
Consumer complaint received 2023-04-25
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 tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IL)

This debt is in relation to a lease agreement for an apartment. The lease was ended early, due to loss of employment. There is a specific clause in the lease that allows for the term to be ended early if you were to become unemployed in the first 6 months of the lease. We provided the apartment complex 30 days notice that employment was lost and that we would be ending the lease early. The final XXXX months of rent was paid and the apartment was vacated. 4 months later we received a letter from National Credit Systems stating we owed a debt of {$2200.00}. We requested information as to the validity of this debt and any documentation showing what these charges were for and how this was determined. We filed the dispute with NCS on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received any information regarding the details behind this debt. The apartment complex is XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony bank/JCP Synchrony bank/Lowes Contacted bank regarding unauthorized hard inquiry under the JCP division on XX/XX/2024 XXXX Shortly thereafter, I was notified my Lowes account had been closed by grantor. When contacted the representative said it was because I probably didn't meet credit worthy standards. This account is 14 months old, never late, XXXX balance, excellent standing. I have utilized it and paid purchases off early. This has caused undue hardship as it has removed a exemplary report from my credit standing, which was completely unwarranted. The hard inquiry remains, my account is gone. 
Although it is true that in the month of XXXX my score plummeted, the only reason it did so is because of a series of school loans for which I am a cosigner. My daughter is unable to make the full payments, and negotiations have stalled. I realize my responsibility, however a different solution will be required for those accounts as I signed for them prior to a change in my financial status due to unforseen circumstances.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.