davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (CA)

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. XXXX XXXX and XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-01-16
Product: Credit card — Store credit 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: CITIBANK, N.A. (TX)

I am writing to file a formal complaint against Citi Bank for their handling of a dispute related to my Best Buy credit card. My issue involves a lost package from Best Buy, and the subsequent response from Citi Bank, which I believe is inadequate and fails to protect my consumer rights. On XX/XX/2023, I used my Citi Bank Best Buy credit card to make a {$140.00} purchase from Best Buy. Unfortunately, the package never arrived, and after following up with Best Buy, the issue remained unresolved. Expecting support from my credit card issuer, I reached out to Citi Bank to dispute the transaction due to non-receipt of goods. However, Citi Bank 's response was to direct me to contact the merchant ( Best Buy ) for resolution or to cancel the transaction. This advice is not only unhelpful but also disregards the protections I should be afforded under the Fair Credit Billing Act. As the credit card issuer, Citi Bank has a responsibility to intervene in such disputes, especially when the merchant fails to resolve the issue satisfactorily.
Consumer complaint received 2024-04-19
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX LVNV Funding LLC [ Their Address ] [ City, State, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by XXXX XXXX XXXX with a last report date of XX/XX/year>, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by LVNV Funding LLC with a last report date of XX/XX/year>, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice.

Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from XXXX XXXX XXXX, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the LVNV Funding LLC debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WorldRemit Corp. (IL)

Sent {$150.00} to a friend and the parter side had technical issues, so the transaction never went through. This was initiated on the XXXX of XX/XX/2024. At the time of this complaint, it has been a week since the transaction took place. Each time I talk to a representative they keep saying it is a technical issue preventing it from going through. I have had XXXX successful transactions go through since this took place. Yet they cant seem to refund or process the first XXXX. They claim to keep emailing the partner on the other side, and not getting response. Transaction details clearly state failed to send, but they took it from my account regardless. I have since requested a call back from a supervisor. If I have other transactions going through, then there is not a technical issue any longer.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep dissatisfaction and frustration concerning the numerous unsuccessful attempts to remove a fraudulent inquiries and an unknown address from my credit file. Despite my persistent efforts to address these issues, the inaccurate information persists, causing significant harm to my creditworthiness and financial stability. 

There are fraudulent inquiries on my credit report that I have been attempting to dispute. I have made numerous attempts to have this inquiry removed, providing substantial evidence to confirm its fraudulent nature. 

An unknown address is also inaccurately associated with my credit file. Despite multiple attempts to rectify this matter, the unknown address remains on my credit report, negatively impacting my credit profile. 

I have submitted dispute requests on many occasions, following the established procedures outlined by your organization. However, these efforts have been met with limited success, and both the fraudulent inquiry and unknown address persist on my credit report. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I formally request that you conduct a thorough and expedited investigation into both the fraudulent inquiry and the unknown address on my credit file. I have attached copies of supporting documentation to validate my claims. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is imperative for me to receive assurance that both the fraudulent inquiries and the unknown address will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily withinthe specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-14
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: Early Warning Services, LLC (PA)

This is in reference to an incident that occurred XX/XX/2018 when an unknown individual used my bank account by submitting a fraudulent check I was completely unaware of this activity as my identity has been stolen and I have been a victim of identity theft for several years leading up to this incident I can provide a copy of a police report as evidence is an ongoing issue this is my XXXX time disputing this same problem with early warning systems XXXX XXXX XXXX and the Consumer Financial Protection Bureau and nothing has been done to resolve the issue the person responsible for this fraudulent activity Who I believed to be a family member that lived with me at the time has used my identity to obtain apartments credit cards bank accounts credit accounts loans cards and even accumulated outstanding parking tickets among other things this individual has caused significant harm in my life and financial well being I have disputed this incident multiple times with early warnings yet it remains on my file I kind of request that they remove this incident from my file as it had nothing to me I also had this same incident on XXXX XXXX and they investigated it and realized that it was fraud and they removed it it is important to note that my account was shut down due to this fraudulent activity which I believe is unfair considering that I was a victim of the situation additionally the debt associated with the incident is XXXX years old and there is a XXXX balance owed to them maintaining a clean credit history is the utmost importance to me and I kindly ask for your assistance and resolve in this matter. Not to mention the problem is with XXXX XXXX XXXX which owns early warning system and if I have reached out to both companies yet they still allow this to remain on my file
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CO)

I, XXXX XXXX, am filing an urgent complaint against XXXX XXXX XXXX for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Protection Act of 1974. 

As a federally protected consumer, I exercised my right to opt out of any authorizations, per 15 U.S.C. 6802 ( a ), effective XX/XX/XXXX. Despite my attempts to resolve this directly with XXXX XXXX XXXX on that date, the unauthorized reporting of transactions persists, violating my rights under 15 U.S.C. 6802 ( a ). 

XXXX XXXX XXXXXXXX XXXX continued non-compliance with its terms and conditions, explicitly stating no sharing of personal information with non-affiliates and third parties, raises concerns about their commitment to privacy. 

I demand, as part of the resolution to this complaint, the immediate removal of all non-public information, including Driver 's License information, address details, and transactions, for which no permissible purpose was granted. 

I urgently request the Consumer Financial Protection Bureau to expedite an investigation into this matter, rectify the FCRA violation, and uphold the principles of the Privacy Protection Act of 1974.

Enclosed, please find documentation of my attempts to address this directly with XXXX XXXX XXXX. Your prompt attention to this matter is crucial for the protection of my rights. 

Thank you for your immediate action on this urgent matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-08
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CA)

Hello i'm submitting this complaint today because you guys have been refusing to help me out non stop your support agents on the phone are terrible employees that only deny to fix issues and are also rude to people they are not trustworthy people! in fact they are liars when you guys decided to close my checkings, savings and credit card they told me that i'm able to apply for a new one so i did and got approved but a few weeks later after getting approved for it the bank decides to close it! with no explanation given! your social media people are useless to they are actively ignoring my issues because they know that they did wrong! now i'm trying to file a dispute with you guys this is a purchase on a course i bought from a company called XXXX XXXX and recently the company decided to stop helping its students when i brought this to your agents over the phone they said " yeah we're unable to help you cause your account is closed '' i like how you guys allow me to view all my transactions on a closed credit card account but when it comes to debit cards its all gone that's a super anti-consumer move and you're basically impling " we don't want to help you because its your money '' yeah its my money thats in your bank! also your social media people just say XXXX things like " oh call our service number '' in witch like i said your phone agents never help with anything and are just all talk and no action! anywho the company that im trying to file a dispute on has sent an email saying that " you are free to file a chargeback ''
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CO)

I, XXXX XXXX, am filing an urgent complaint against JP Morgan Chase for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Protection Act of 1974. 

As a federally protected consumer, I exercised my right to opt out of any authorizations, per 15 U.S.C. 6802 ( a ), effective XXXX XXXX XXXX Despite my attempts to resolve this directly with JP Morgan Chase on that date, the unauthorized reporting of transactions persists, violating my rights under 15 U.S.C. 6802 ( a ). 

JP Morgan Chase 's continued non-compliance with its terms and conditions, explicitly stating no sharing of personal information with non-affiliates and third parties, raises concerns about their commitment to privacy. 

I demand, as part of the resolution to this complaint, the immediate removal of all non-public information, including Driver 's License information, address details, and transactions, for which no permissible purpose was granted. 

I urgently request the Consumer Financial Protection Bureau to expedite an investigation into this matter, rectify the FCRA violation, and uphold the principles of the Privacy Protection Act of 1974. 

Enclosed, please find documentation of my attempts to address this directly with JP Morgan Chase. Your prompt attention to this matter is crucial for the protection of my rights. 

Thank you for your immediate action on this urgent matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

Navient reported late payments on my student loan between XX/XX/XXXXXXXX  and XX/XX/XXXX. This, of course, was right in the middle of the Department of Educations student loan payment pause which began in XX/XX/XXXX. Consequently, I could not have been 90 and then 120 days late with paymentsnot to mention the fact that loan servicers were not supposed to make negative credit reports at this time, either. 

XXXX is the only credit agency reporting this. When I contacted them, they said I would need to contact Navient directly as they are the only ones who can report a correction. I sent a letter ( as per their website ) and have received no acknowledgement.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CREDIT ACCEPTANCE CORPORATION (IN)

My moving truck was stolen My identity and name have been used fraudulently Police reports court documents as I am seeking prosecution- holding back for me a mortgage loan rapid rescore - XXXX removed XXXX removed - XXXX  has not It is making me not be able to get a first time homebuyer down payment assistance- XXXX points- police reports court documents of prosecuting individuals and listed in court documents what they did Not fair I need this removed now- It is not my acct Credit acceptance
Consumer complaint received 2024-04-19
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. (FL)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX