davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (RI)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. RADIUS GLOBAL SOLUTION never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting inaccurate information on my consumer report. This is defaming my character and hurting my reputation. My credit worthiness is effected and I am losing out on opportunities to new credit. Please delete the inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

To Whom It May Concern : I am writing to file a complaint against The Huntington National Bank. Last week my account was compromised into and money was stolen, through XXXX, to someone that I do not know. The transactions took place between XXXX XXXX and XXXX XXXX to a person named XXXX XXXX, XXXX. These transactions were completed without my knowledge or my authorization. When I awoke the morning, I saw notifications from Huntington telling me that there were names added and deleted from my recipient account. I am not familiar with these names nor would I have sent someone I do not know money. I contacted Huntington Bank on Friday XX/XX/2023 and let them know that there were fraudulent transactions on my account. They advised me to close the account, file a dispute and open a new account, which I did on the XXXX. I went to the XXXX Police Department on Friday XX/XX/2023 and filed a police report, which I provided to Huntington along with the email notifications that I received regarding the transfers. Today, XX/XX/2023 I was informed that my dispute was denied. The reason for denial is " consistent with previous behavior ''. I have a list of five people in my recipient account that include FAMILY only. XXXX XXXX is not a family member nor do I know him. I have, on several occasions called Huntington Bank, to let them know that I do not know this person and the charges are fraudulent. I have been hung up on, told that I DID IN FACT SEND THE MONEY and lied to about getting a credit back. It is illegal to steal money from someone's account without his or her knowledge and I do not understand why Huntington is treating ME like the criminal when I have done nothing wrong, I want Huntington Bank to be held accountable for the fraud that took place in my account. I should have been notified that there were many transactions taking place in the middle of the night. XXXX needs to be regulated so that others do not have the same thing happen to them. Unfortunately, through my research I have seen the millions upon millions of dollars that have been lost due to phishing and scams.
Consumer complaint received 2023-10-24
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. (MD)

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repossessions {$5400.00} Proper resolution must take place, and you must also accept that my dispute is valid unless otherwise you have supporting documents to counterattack my said disputes. These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. Im carefully tracking all correspondence with your company.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX & Transunion NEVER Did Proper Investigation according to the FCRA Into the Identity Theft On Accounts with XXXX XXXX XXXX Everything about this account is Inaccurate Dates, Balance down to the status of the account The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this. 

Because if they are getting verified information from the same SOURCE why is the information on both Credit Bureaus Inconsistent with whats being reported on my report Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 

The credit bureaus stated this account was properly investigated but how if I am a victim of IDENTITY Theft They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer reporting agency can not furnish an account without my written instruction. I have not giving anyone permission to furnish any information regarding this mattEr
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX Made {$3500.00} deposit ( XXXX {$100.00} bills ) at BOA branch XXXX XXXX XXXX XXXX ATM # XXXX ATM indicated a {$2000.00} deposit so immediately canceled deposit. Received only {$2000.00} back ( {$1500.00} short ) with no receipt provided of the canceled transaction. 
Call BOA within 30 min to initiate claim- do not have name of rep spoken with XX/XX/XXXX Checked account to find that nothing was noted. Called BOA again to check on claim and found first claim was not on record. Filed another claim for missing {$1500.00} Received deposit of {$1500.00} from BOA while claim was being investigated XX/XX/XXXX Received first notice indicating denial of claim without any supporting information of what was investigated or found also indicated that founds would be withdrawn on XX/XX/XXXX XX/XX/XXXX Funds were withdrawn from account XX/XX/XXXX Called BOA ( follow up delayed as was traveling for work ) spoke with XXXX requesting supporting information as to why the claim had been denied. Any Video or balancing reconciliations. 
indicated that claim had been reopened and to allow 10 days to obtain results, along with any video or reconciliation records. 
XX/XX/XXXX Called BOA to follow up on XX/XX/XXXX phone call spoke with XXXX who reviewed the account notes and found that the initial claim had not been submitted correctly ( previously indicated a {$1500.00} deposit instead of the {$3500.00} deposit shorted by {$1500.00} ) XXXX resubmitted the request and indicated that should receive documentation within 3 days XX/XX/XXXX Called BOA to follow up on XXXX call, spoke with XXXX who reviewed the account notes and was very surprised at the lack of follow up and providing any documentation of decision process. She also indicated that she saw notes of the first phone call ( XX/XX/XXXX ) and was surprised that the claim had not been submitted immediately. She also said that it had been noted that the ATM had issued an error message but did not have information has to what that error message was. 
She agreed that things had not been handled appropriately and placed an expedited review on the account. To allow 10 business days to follow up but should received in US mail copies of all documents used to support decision. 
Important to review recording from that call XX/XX/XXXX received electronic letter indicating denied claim with no supporting information XX/XX/XXXX Received letter indicating claim denied without any supporting information XX/XX/XXXX Followed upon on XX/XX/XXXX phone call, spoke with XXXX who indicated that the claim had been closed and there was nothing further to do Suggested faxing a chronological list of everything that had happened to BOA We asked that we speak to the department manager as to what steps to take from here. 
XX/XX/XXXX Department Manager said there were no further steps to be taken with BOA and to proceed with filing a complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (TX)

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$460.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC (IL)

A woman called my work number and asked for my name. A person asked why. She wouldn't answer. She said do not call this number again ( co worker not me ). She called again and I told her to not call, she laughed, and she also gave out personal information without really knowing if it was me, given, its not my personal number. They are harassing me and I asked them to stop and they shared private information illegally. 
Company : Contract Callers Inc Phone number on caller ID XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CO)

on XX/XX/2023 I contacted ( on a recorded line by both parties ), LVNV Funding LLC in regards to an account ending in XXXX reference ID : XXXX reporting on my consumer report. 1.there were inaccurate incomplete information being reported. i asked the representative to send me a debt validation letter. The representative agreed and after receiving the validation letter. the information being reported is still incomplete inaccurate information. pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 2.also there was no written agreement made by me for LVNV Funding LLC to have my information be seen by a third-party ( Resurgent Capital Services ) . the creditor reporting the information should be the one managing the account. XXXX different companies have had my information on my account. the original creditor XXXX XXXX XXXX, debt collector LVNV Funding LLC, and resurgent capital services. there is also XXXX XXXX XXXX with my information. i also spoke with XXXX XXXX XXXX representative on the phone which was also recorded by both parties. pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general ( 2In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on 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
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I received a mail from Chase requesting additional documents to verify my business within a XXXX timeframe, as Chase stipulated was required by federal law. I complied by faxing the required documents on XX/XX/2023 as attached, and confirmed receipt with a representative named XXXX on the same day. 

However, on XX/XX/2023, I received the attached email from Chase Lending Services, again asking for the same documents within 14 days. I immediately called and spoke to XXXX XXXX XXXX, who directed me to submit the information via XXXX via the attached email, which I did promptly. I also received the attached email confirmation stating that my documents were received and that I would hear back within XXXX weeks. 

On XX/XX/2023, I received the attached letter dated XX/XX/XXXX, confirming my account was verified and open. To my surprise, upon checking my credit card account on XX/XX/2023, my credit card account at issue was closed. A call to Chase revealed, according to Representative XXXX, that Chase closed my account on XX/XX/2023, for failure to submit the requested documents, a claim contradicted by their own previous confirmations.
Consumer complaint received 2023-10-24
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: Experian Information Solutions Inc. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on 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
Consumer complaint received 2018-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXXXXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!
Consumer complaint received 2024-03-14
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)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One offerred a {$200.00} promo to spend a certain amount in a specific time frame. I did and was assured via recorded call that i would see the funds in my next statement. They are not there. Capital One also has refused to CORRECTLY process a dispute. They refuse ALL direct communication with a consumer except through representatives that do not know the language spoken in the US.

I can NOT email Capital One through my portal. The phone calls go out of country. I WANT MY REWARDS.
Consumer complaint received 2023-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-17
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)

On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from ally financial that has been allowed to report on my credit again and now its reporting as open once again but its charged off.
Consumer complaint received 2023-09-07
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: Global Lending Services LLC (IL)

these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX