davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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)

as of XX/XX/XXXX i have noticed fraudelent accounts on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$18.00} {$18.00} {$18.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$610.00} {$610.00} {$610.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$0.00} Credit Limit : {$1000.00} {$1000.00} {$1000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/23, someone attempted to apply for a credit card or loan using my Social Security Number with XXXX XXXX Bank. I would like to dispute the unauthorized inquiry.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Equifax has failed to send me proof/verification of the accounts they report to the credit agencies on my behalf. I have attempted to gain this info from Equifax and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX XXXX FOR THE AMOUNT OF {$770.00} 2. XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$960.00} 3. XXXX XXXX XXXX XXXX XXXX {$25000.00}
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hello- On XX/XX/23 I was texted and called from a representative from Bank of America Customer Service XXXX XXXX stating that my account was comprised and someone was trying to use my account to purchase items from XXXX XXXX XXXX, and XXXX XXXX the amount of XXXX. The representative told me to enter a reference number in order to verify the amount the requested, and when I did the money was taking from my savings and checking accounts. ALL of my money was taken and the BOA rep hung up the phone and my money from both accounts where taking, It is so unfortunate that you can not believe people even when they are calling and texting from what you what you believe is your bank to help safe guard your account.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I leased a XXXX XXXX XXXX in the summer of XXXX with XXXX XXXX. 

Then, my wife and I had our first child a year after - a beautiful baby girl. During the first few months of getting our lives reorganized with our baby girl, we let some payments slip with the lease and the XXXX was repossessed. Fortunately, my wife and I were able to get the car out of repossession within the ten-day grace period provided before my credit would be impacted. 

Months later, life then threw us some surprises ( death in the family, medical debts, childcare expenses ), and the payments slipped yet again and the XXXX was taken from us again. This time, XXXX XXXX is asking for a lease buyout of XXXX within XXXX days of repossession. There is no legitimate lender on earth who will finance me or my wife BECAUSE of the lapsed payments on the lease. Needless to say, my wife and I do not have XXXX laying around either. We DO HAVE enough to get the lease back on track, though. As to why XXXX won't accept that seems unethical, perhaps illegal. We have but only a few months left in the lease agreement as well. 

It certainly feels like my wife and I are in a no-win situation here.
Consumer complaint received 2024-01-04
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. (CA)

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 fairness, impartiality and a respect for creditors rights to privacy equifax, XXXX and XXXX are third parties reporting agencies that share which is backed by 15 USC 6801 which states it is the policy of the congress that each entity must adhere to these laws that protects customers, consumers, and creditors-me! and that the information is confidentiality of those customers non public personal information I have opt out from receiving any promotional, marketing, and or my information shared with other entities without my permission and this is a vioaltion
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft. 

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Subject : Delay in Processing My Claim Claim XXXX Claim Type : Chase Trip Cancellation/Interruption Chase Card Last XXXX digits : XXXX I am writing to express my disappointment and frustration with the delay in processing my travel cancellation claim. 

I submitted a travel cancellation claim as a Chase Sapphire Reserve cardholder back in XX/XX/2023, and provided all the necessary documentation as per Chase Claim requirements. I have yet to receive any substantial communication from their end regarding the status of my claim. While I understand that processing times may vary, Its clear there was a lack of transparency and communication for this case. 

I have attempted to contact their customer service representatives on numerous occasions, only to be met with vague promises of " looking into the matter '' or " escalating the issue. '' I was hung up on several times. The examiner, XXXX, never called me back. My last round of calls ended up with no resolution. I was told by a CS representative overseas that they were awaiting documents from my doctor, which was already submitted more than 2 months ago. I was also informed that they needed a proof of the airlines credit, which we never received! An email proof was already submitted. 

I demand immediate action to rectify this situation. I expect a clear explanation for the delay in processing my claim and a firm commitment to expedite the resolution process.
Consumer complaint received 2023-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Please reference XXXX I dont know what's going on with your. company but you closed out my complaint for no reason. I advised you guys back in XXXX that this is not my account, I send a letter and go no response back from this company, I even submitted an affidavit and got no reply im asking for a removal of this account
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

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 2024-04-22
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. (IL)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX, I, the consumer of the report Equifax is improperly reporting on, contacted the company for a second time. I informed them that their investigation results were invalid and inaccurate. I informed Equifax, I never gave them authority to acquire or furnish any of my non public financial information. 

In a letter dated XX/XX/XXXX, the company responded requesting further personal information, not needed, as per the CFPB 's dispute tool. They informed me that they would not be proceeding with my disputes, until I disclose this information to them. I never disclosed my initial information to them, and they have no legal right or authority to furnish information without my authorization/consent. 

My initial dispute, dated XX/XX/XXXX, was returned as verified, which I did not ask for verification, however, since they claimed this to be verified, as per the CFPB, and FCRA, they must provide me with method of verification, who verified this information and it must be done within 30 days. 

These are clear violations of Federal Law and my federally protected consumer rights.
Consumer complaint received 2023-10-31
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)

XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Consumer complaint received 2023-04-18
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX  XXXX Balance Owed : {$940.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}
Consumer complaint received 2023-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I was selling a bag through my XXXX account when an interested individual contacted me named as XXXX XXXX. We agreed for a certain price and said that the payment will be through XXXX. I said okay and the next day I sent the bag thru XXXX and waited for the payment. As time goes by, XXXX emailed me that they can't sent the money because of XXXX. 

Dear : XXXX We apologise for the late response as we were upgrading our server which has now been sorted out. We have successfully verified and confirmed that you have refunded the buyer and the funds have been approved to be credited into your account immediately. 

But on the verge of crediting the total pending payment of {$3500.00} USD as we notified you earlier which was paid by the buyer XXXX XXXX. We looked through our Data-Base and found a total pending payment of {$3500.00} USD. There has been another new payment of {$1000.00} USD from the same buyer XXXX XXXX making a double payment from the same buyer. 

We are unable to separate the payments as they have been added to our database and all the funds are pending in your account, as such, we can't proceed to credit your account with your initial pending payment of {$2500.00} USD. 

We are aware of the fact that the new payment of {$1000.00} USD was a mistake on the part of the buyer 's Accountant as he over credited your account. We have then looked into ways of resolving the issue so we can then credit your account with the payment. But as it is now, it has already been recorded in our Data-base and there is no way we can separate these funds. Funds are not returnable to the buyer. In this case, you own the total money. 

We have also tabled the transaction before the Board Of Directors and they have advised that the payment ( s ) still remain " ON-HOLD/Pending here while you make the refund of the new payment of {$100.00} USD through XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Gift card options after which we shall then credit your account with total payments of {$3500.00} USD Note the buyer 's account has now been suspended. 

So you are allowed to send the refund through the XXXX, XXXX, XXXX pay or Gift card option so that we can credit your account with the total pending of {$3500.00} USD. 

NOTE : Funds deducted from the buyer 's account is not returnable to the buyer 's account. So you are in total control of the funds once we credit it. 

We await your swift response which should include the details of the refund. 


Thanks for choosing XXXX and we are looking forward to serve all our valuable customers better. 


Thank you for using XXXX! 
The XXXX Team This emailed really shocked me and sent them {$2000.00} through XXXX  and the phone number is XXXX in the name XXXX. I tried contacting them after I realized that I was scammed but I never got my money back. I reported it to my bank ( USBANK ) but they said that it was my fault on my part. In short, I never got my money back.
Consumer complaint received 2023-10-31
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. (LA)

On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date XXXX XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late XXXX XXXX Equifax XXXX XXXX XXXX Highest Balance XXXX XXXX Equifax XXXX XXXX {$18000.00} XXXX XXXX Creditor Address Information XXXX XXXX Equifax XXXX XXXX Tx XXXX LA XXXX DE
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CO)

I lost my job in 2021 and couldn't afford to pay my bills or pay rent after that. I had called the credit card company and pushed out payments for as long as I could. I became homeless and didn't have a permanent residence for almost 2 years. Unfortunately the credit card company said I was expected to pay and couldn't get anymore passes even though I still didn't have a job and was homeless. I had no way of receiving mail due to the fact that I lived out of my vehicle. I contacted the credit card company after i had finally found a job and they closed my accounts and let me payback the money that I had owed on a much smaller scale. I don't have any accounts in collection according to XXXX and XXXX. I don't understand how Cavalry SPV I , LLC. can say I owe them collection money when I'm making payments directly to the credit card company and both Credit Bureaus state that I have XXXX accounts in collection. I just lost my job a month ago and now Cavalry SPV I , LLC. is suing me.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (AZ)

One of my family members is using my social security number these debts were not incurred by me. These are fraudulent uses by my mother who has used my ss # without my knowledge $ XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX conn appliances on XX/XX/XXXX total {$5400.00} XXXX XXXX XXXX XXXXl on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

I am not liable for these debts ( attached ) with these collections company. I've reached out to each one of these companies numerous times for a contract between them and me. They've yet to reach out to me with a signed contract between myself and them. I do NOT have a signed contract with these companies. They're invading my privacy! Correction to my credit report, I demand that these fraudulent/inaccurate accounts be removed from my credit report IMMEDIATELY. 

Thank You! 
XXXX XXXX
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: Media Collections, Inc (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-31
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. (CO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have a 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.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom It May Concern : They're several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts AND information are listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INCOFFECT PRESONAL INFORMATION : Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX XXXX NAME : XXXX XXXX Im writing this letter to you in an effort to get these items removed immediately. This is a written dispute of all accounts per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
Sincerely, XXXX XXXX XXXX XXXX