davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I filed a complaint against XXXX XXXX XXXX and they hired/ moved the account ( for which I have no knowledge of ) to Resurgent Capital Services. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This debt is cellphone bill. When I contacted the company that is attempting to collect the debt, they sent a contract that did not belong to me. I wanted valid proof that the debt belonged to me. The contract they sent to my address was a different person on the contract and in a whole different state. I called the company but nothing has happened.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I did a bill pay into my XXXX from XXXX XXXXXXXX XXXX into my XXXX XXXX XXXX account for {$22000.00} on XX/XX/year>. A couple weeks prior to that I did the same type of transaction for {$100.00} which went through as a printed check, the payment of {$22000.00} went through as an electronic payment for some reason and my XXXX does not accept electronic payments. 

I have spoken to XXXX XXXX extensively and they said they processed the payment and they gave me a proof of payment- they can not confirm it was received. XXXX XXXX has no record and researched it and found that the routing number is a CHASE routing number. I can not get anyone at Chase to look into this for me, XXXX XXXX is also not helping me, XXXX is saying they do not have any record of the transaction. Please help. The transaction posted on XX/XX/year> and {$22000.00} was removed from my account and now is nowhere to be found and I am getting the run around.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-02-16
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. (RI)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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. (GA)

My research on FCRA 605 indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received multiple messages about receiving a credit card. I requested to be unsubscribed ( even waiting the requested 10 days ), wrote them a letter requesting to be unsubscribed, yet continue to receive emails.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My credit file seems to have been compromised, indicating a failure on your part to act on removal requests, even when supported by FTC reports XXXX XXXX XXXX XXXX, and the most recent, XXXX XXXXXXXX. As a victim of fraud, I am insisting once more on the eradication of entries stemming from such activities from my credit report. According to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are mandated to eliminate any disputed items within XXXX business days following XX/XX/XXXX. This matter was addressed in my prior communication and is being highlighted again in light of a new FTC report. The entries listed below are unrecognized by me and have already been removed by other bureaus, casting further doubt on their accuracy. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice serves as a final warning. Failure to comply with the removal of these items, as stipulated by FCRA 605B, will compel me to initiate legal proceedings. My legal counsel has been briefed on your willful non-compliance and is prepared to pursue all necessary actions to enforce my rights.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

I told them I didnt sign up to pay for Experian I was told it was free and it said it online and it credit it me and now made my bank in the negative and I am not paying something I didnt sign up for. If someone could please fix this.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

I transferred money from a Chase checking account to a bank in XXXX ( that uses the euro ) in XXXX of XXXX. 

The money sat in the account and was untouched until I transferred it back to the same Chase account based in the XXXX in XXXX of XXXX. 

For each of these transfers I contacted customer service several times and was reassured that the only cost would be modest fees ( < {$100.00} ). 

I am concerned because the exchange rates Chase used were not consistent with any data I have found online for what the exchange rate should have been at the time of each transfer. 

On XX/XX/XXXX, the initial wire was sent at an exchange rate of XXXX EUR : USD ( per Chase ). The money was then sent back to Chase on XX/XX/XXXX, at an exchange rate of XXXX EUR : USD ( per Chase ). 

If I look at the data provided by XXXX and other sources, the dollar should have been stronger on the way into XXXX XXXX - XXXX ( XX/XX/XXXX ), and the euro should have been stronger on the way back to Chase in the US XXXX at XXXX - XXXX ( XX/XX/XXXX ). 

I have tried contacting Chase through several channels attempting to better understand the discrepancies between any publicly available exchange rates and those used by Chase for the transfers. 

I have reached out to Chase Bank 's 1-800 customer service line several times, the matter has been escalated to several more senior members of the customer service team, and I have also had separate conversations with multiple financial planners at Chase. 

No Chase employee has been able to provide clarity on any of the following : ( a ) how Chase determines the exchange rate used, ( b ) why there is such a marked discrepancy between Chase 's rates and those found online ( per XXXX and other sources ), ( c ) why I was not informed that there would be hidden fees baked into the transaction, ( d ) who are the parties involved in the transaction and what are their respective fees, ( e ) where and how Chase discloses to customers the exchange rates that will be used in foreign transfers, and any and all fees ( hidden or otherwise ) involved in a transaction. 

It has been complete obfuscation at every touchpoint.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I have a checking account with Bank Of America. On XX/XX/XXXX, a wire transfer for {$2300.00} to a person that I don't know, under the name of XXXX XXXX, took place. On XX/XX/XXXX, a second wire worth {$2400.00} was wired to the same person. I DID NOT AUTHORIZED such transactions. I don't know that person. Those were fraudulent transactions and Bank of America failed to send me email Alerts to me alerting me about such fraudulent transactions that took place behind my back and were never authorized by me. As I never received email alerts, I couldn't react on time to halt or prevent the bank that my checking account was being hacked. 
I placed a complaint against Bank Of America, which denied my claimed, saying that I have authorized such transactions. On the cited days, I didn't receive text messages from BOA on my mobile, which means, I didn't program wire transfers on those days. I DID NOT AUTHORIZED SUCH TRANSACTIONS, AND BANK OF AMERICA FAILED TO SEND ME EMAIL ALERTS ABOUT SUCH FRAUDULENT TRANSACTIONS.
Consumer complaint received 2020-07-29
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. (AR)

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX  XXXX {$61.00}
Consumer complaint received 2024-01-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (DE)

I received a Vanilla VISA gift card for XXXX for {$500.00}. It was purchased on XX/XX/XXXX from XXXX at XXXX XXXX XXXX, XXXX  DE XXXX. When I went to open it to use it today ( XX/XX/XXXX ), the card itself had some sort of XXXX  on the XXXX XXXX  not allowing me to swipe the card. I went to give the cashier the XXXX card number, and the XXXX set of digits was erased. I called the number on the back of the card to get a replacement card but the representative said the card had {$0.00}. The rep also mentioned the card had been used on XX/XX/XXXX on a XXXX purchase that was not made by myself.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (CA)

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

I Have never given permission for these companies to pull my credit for the last year! 

This is illegal and a violation of consumer rights! I obtained FTC Identity Affidavit back in XXXX to dispute and request deletion. EXPERIAN has refused to delete these inquiries which has blatantly violated my consumer rights and protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Delete the inquiries.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Well, I have called Capital One on SEVERAL OCCAISIONS to dispute these UNAUTHORIZED transactions. I have myself ATTEMPTED to contact those companies and THEY DO NOT EXIST. I started my life working for XXXX XXXX managing his finances and spent 25 years in the FINANCIAL INDUSTRY. I keep METICULOUS NOTES on EVERY TRANSACTION in 4 FOUR different devices via screen shots, & typed notes on my XXXX XXXX. For example, there are SEVERAL coming from a fitness center and they told me they would issue a credit to my account. I had to call AGAIN A FEW MONTHS LATER as I looked and found that my balance was excessively low and I would not be able to pay my monthly rent. So AGAIN I noticed SEVERAL OTHER CHARGES MADE TO MY CHECKING ACCOUNT and this account is NOT SUPPOSED TO HAVE ANY WITHDRAWLS ON IT AS IT IS for me to get a PLACE TO LIVE!!! The balance is never high enough for me to take advantage of the opportunity to PAY THE DEPOSIT BECAUSE AGAIN Capital One is STILL GIVING MY MONEY AWAY WITH OUT MY PERMISSION! I am so tired of them giving all my money away to strangers and I never get the chance to even talk to them about the XXXX dollar charge to my account for a persons cable bill. I obviously DO NOT HAVE A CABLE BOX NOR A TELEVISION TO HAVE A CABLE BILL NOR HAVE I EVER HAD A CABLE BILL NOR EVER WATCHED A TV SHOW IN MY LIFE!!! Every time I call them NOTHING EVER GETS RESOLVED AND AGAIN I WILL NOT HAVE A XXXX AND BE ABLE TO EVEN PURCHASE A CELL PHONE AS THE XXXX XXXX XXXX XXXX I still have does not fully function. I did purchase a {$900.00}. XXXX XXXX from XXXX and is NOT A TOUCH SCREEN and it literally took me XXXX hours to ATTEMPT to create an account with this establishment since the touch screen does not work AT ALL and IT IS NOT EQUIPPED WITH A MICROPHONE SO IT IS COMPLETELY USELESS. Yes I AM using a computer to type this. Okay, Capital one has withdrawn about {$990.00} dollars from my checking account and ACCORDING TO THE LAW THEY MUST NOTIFY ME IF THEY ARE INTENDING TO DO THIS. I have read about the laws and they are in VIOLATION of too many to list here. I have told them that all my PURCHASES are made to my CREDIT CARD AND MY ONE BANK ( NOT CAPITAL ONE ) ACCOUNT IS USED TO PAY THOSE XXXX CARDS ON A MONTHLY BASIS. THEY THINK THAT I WONT LEAVE THEM BUT I AM GOING TO CLOSE ALL MY CREDIT CARDS AND BANK ACCOUNTS WITH THEM on XXXX XXXX. I am tired of them STEALING MY MONEY BEHIND MY BACK AND GETTING AWAY WITH IT!!! Yes I am reporting them to the XXXX XXXX XXXX, the Federal Trade Commission and the Rip Off Reports when I am done with this site.