davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (IA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

I hope this message finds you well. I am writing to bring to your attention a matter of significant concern involving a financial transaction with Chase Bank that requires immediate intervention. 

Recently, I received a cheque in the amount of {$24000.00} from a colleague, whose account at XXXX Bank was closed. The payee company is XXXX XXXX XXXX, an associate of ours. Due to the absence of an alternative bank account in the United States, they requested that I deposit the cheque into my XXXX  account at CHASE to facilitate the retrieval of funds. Subsequently, I successfully deposited the cheque, and the system credited the funds to my account. 

Regrettably, XXXX day after the funds were credited, Chase Bank froze my accounts, asserting that they would remain restricted until the issuer of the cheque ( whose account is now closed ) initiates a request for the funds. 

Upon my colleague 's request to XXXX Bank ( XXXX XXXX ) for such action, they declined, stating that the account has already been closed and the funds have been disbursed. 

In summary, the {$24000.00} is currently held by Chase Bank under my XXXX  account ( Company B ). Chase Bank insists that the funds will only be released once they can verify the legitimacy of the transaction from Company A to Company B. 

Given the urgency and complexity of this matter, I kindly request your prompt assistance in facilitating the resolution of this issue. Your guidance and intervention would be greatly appreciated in unlocking the frozen funds at Chase Bank. 

Thank you for your immediate attention to this matter. Please feel free to contact me if any further clarification is required.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PACIFIC PREMIER BANCORP, INC. (TX)

The account was open XX/XX/XXXX, I paid the balance off at {$37.00} or more a month and the credit card remained in good standings. I continued to pay the monthly fees until XXXX XXXX. I requested the card closed today XXXX XXXX, XXXX, the creditor said the account was closed already though I would still have to pay the monthly fees and remaining balance. The creditor does not understand the positive balance after it remained the balance after it was paid off by a the time frame of the credit account. The creditor closed the account around XX/XX/XXXX, though it is not closed. I contacted the creditor XXXX XXXX, XXXX to close the account, the creditor said it was closed but they would still bill me for the positive balance.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On or about XX/XX/XXXX I contacted " XXXX '' to get my free credit reports from all 3 bureaus, but have not received them as of XX/XX/XXXX. So I went online, because I wanted to see the reports immediately. I was only able to access from Equifax online. Once i filled out my information, the report came and it was actually a report that belongs to my XXXX. Nothing on his report belongs to me, all of his personal information is on the report along with all of HIS accounts. I contacted Equifax the next day about the problem, but they did not have much to say, and claims no responsibilty to the problem. At that point I requested a paper printout of my report to be sent to me, which I received on or about XX/XX/XXXX. After reviewing my paper report, everything looks fine. It does not have my XXXX information on that report. On XX/XX/XXXX I received another paper report from Equifax with my name and address, so I opened the envelope, and AGAIN it is my XXXX CREDIT REPORT! So I contacted Equifax about this AGAIN to explain the problem and ask when they will fix the issue, and of course, they want me to send copies of my license, birth certificate, social security card, etc. I explained to them that I already sent them that information XXXX weeks ago, in order for them to send my paper report. They responded by saying they dont have my information? They are " slow walking '' their mistakes and costing me VALUABLE TIME at this point. Im trying to get a loan, but when lenders go to pull my information they either get my XXXX credit report, or NO MATCH! I am absolutely updet with this issue, and EQUIFAX refuses to correct the problem PLEASE HELP ME.
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
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. (PA)

XXXX XXXX has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.
Consumer complaint received 2023-10-31
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

My AC was out for a week, and according to the state of NC if your AC is out you should be compensated due to the circumstances. I asked the company to resolve it and they attempted to evict me. This happened XXXX, I attempted to rectify and try to find a solution. I was unaware that this would be put on my credit, they didnt notify me.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (GA)

Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Consumer complaint received 2024-01-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Someone used my name and social security number to apply for an apartment in another city. This individual was denied an apartment to rent and wrote a check for the application fee which was returned as insufficient funds. The apartment complex subsequently turned this information over to a debt collection agency and it is now showing on my credit report. This information does not belong to me and should be removed from my credit report.
Consumer complaint received 2024-01-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

Collection company IC System , Inc. violated two of my consumer rights when they reported a fraudulent collections account to all 3 credit bureaus causing my excellent credit score to drop significantly. IC System XXXX Inc. Collection letter was received on XX/XX/XXXX on behalf of XXXX for {$9800.00}. I sent a dispute letter and on that letter also requested debt validation and details of the account- i.e. when it was created, when it was sent to collections, and an itemized bill for the amount of {$9800.00}. On my dispute letter I also mentioned that I believed the account was a result of ID theft and that I had placed a fraud alert and a freeze with all XXXX credit bureaus. The letter was mailed to IC Systems XXXX IncXXXX on XX/XX/XXXX via certified mail with green card receipt. Also, on XX/XX/XXXX, I placed a Fraud Alert and a freeze on XXXX, XXXX and XXXX on that same phone call I reported to each credit bureau of a fraudulent collections account from XXXX for {$9800.00} and that this was not my debt and also told them I had sent a dispute letter to the collection agency. Collections account was still not showing in all XXXX credit bureaus. I also called my bank and credit cards to alert them of the possible fraud and/or identity theft. On XX/XX/XXXX XXXX and XXXX showed the fraudulent collections account and there was no note that account is under dispute due to fraud. XXXX and XXXX show that the collections account was reported on XX/XX/XXXX. Then on XX/XX/XXXX the fraudulent collections account appeared on XXXX. All 3 of my excellent scores have dropped between XXXX to XXXX points! IC. System , Inc. collection agency violated my rights twice : first, they reported the fraudulent account to the 3 credit bureaus during my 30 day dispute window that ends XX/XX/XXXX and secondly, by not including a note that the account is under dispute due to fraud. I am also yet to receive the documents I requested from the IC System , Inc.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (GA)

Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
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. (FL)

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed a charge on my Capital One statement for {$250.00}. I was charged by " XXXX *Seeking Alpha ' ( XXXX XXXX XXXX as it appears on my credit card statement and I cancelled the subscription directly with Seeking Alpha. However Seeking Alpha ( XXXX ) did not refund my funds and I disputed the charge with Capital One ( CO ), my credit card company. I tried to call XXXX with the phone number posted on the credit card statement ; however there is no one to speak with at XXXX. ( You can only correspond by XXXX mail ) I received a charge back ( Purchase Adjustment ) from CO and after a few weeks I received a reversal of the charge back from CO based on information that CO received from XXXX. I appealed the decision with CO and provided CO with information from Seeking Alpha ( XXXX ). 

XXXX advised me that I was entitled to a refund from XXXX. XXXX advised me that the {$250.00} was reversed in the the XXXX Account and I should contact XXXX to receive my credit of {$250.00}. XXXX advised me that that I should contact XXXX and receive my refund from XXXX. 

In effect no one has helped me resolved my problem. CO advised me that I must contact XXXX or Seeking Alpha ; XXXX advised me that I am entitled to a refund and I should obtain it from XXXX, the payment-processor. XXXX advised me that I must contact XXXX, the originating vendor ( developer of XXXX ) to to obtain the refund. This is quite insane
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (FL)

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

I do not recognize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

I have contacted Credence Resource Management on various occasions in order to get this account verified or validated as my own. I have yet to receive any correspondences I do not have an account with them and they are reporting delinquencies on my report monthly. Please inquire and have this account removed in its entirety immediately.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (GA)

Dear AMERICAN FIRST FINANCE I, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-08
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. (IL)

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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX, XXXX Account number : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by an individual going by the name XXXX XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my PayPal account to fraudulent investment firm.