davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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 got my recent credit report on XX/XX/2024 and notice a score drop XXXX  XXXX points. My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX MOTORS XX/XX/XXXX
Consumer complaint received 2023-07-19
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. (TX)

I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2024-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 4M Collections, LLC (CA)

This debt collector violated the FDCPA by engaging in XXXX, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of XXXX  language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : SOLVERITY - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (IL)

I want to tell you my story. I fell victim to theft and fraud, and it destroyed my life, setting me back to XXXX after a year of working day and night, struggling to accumulate funds. About a month ago, I met a girl on XXXX XXXX. She claimed to be from XXXX but currently staying at her father 's house in Hawaii but she lives in Michigan. She told me she runs her own business, does dropshipping, and deals with cryptocurrencies. I expressed my interest in learning about crypto, and she offered to help, suggesting we collaborate to make a significant amount of money. She instructed me to download the Kraken app, and after providing my personal information, she told me to buy XXXX and provided her wallet address. She directed me to use the Kraken app only for buying and to trade on a fake site called XXXX. I opened an account on XXXX and followed her instructions. The first time, she asked me to deposit {$550.00} in XX/XX/year>. I did so using Kraken, and we conducted some trading. I won {$100.00} in profit, and she suggested I deposit it into my bank account. Little did I know, it was all part of the scam. Days later, she said the market was favorable, and we needed to do more trading. She proposed a large amount in XX/XX/year>, {$45000.00} from her and {$4500.00} from me. I accepted the challenge, bought XXXX on Kraken, and withdrew it to the wallet address on XXXX, her fake account. When I lost access to XXXX, I found all the funds were fake money, and the site was fraudulent as well. We did several trades, supposedly winning {$200000.00}, but it was all fake. When I asked her to send me my share to my Kraken account, she said okay and asked for screenshots of every step. Then she sent an email from XXXX, claiming I needed to pay {$10000.00}, 5 % of the profit, and in the email they tell me need to pay before XX/XX/year>XXXX  and they provoke me if i dont pay the taxes NIIT i Dont receive my funds. When I explained I didn't have the money, she insisted I find it on my own or take out a loan. The email she sent later was about personal income taxes, stating I had to pay them before XX/XX/XXXX or face penalties. I had {$7000.00}, sent it to my Kraken account, and withdrew it to the wallet address on my XXXX account, her fake account. When I asked her to send me her share, she claimed her mother couldn't send the money due to an emergency. Everything turned out to be fake. I have her number and many pictures of her, even a recorded video call. Please, please, please help me identify this person and report her to the police. I just want to recover my funds, even though I know they won't be fully compensated for the year of hard work and sacrifices. Help me prevent her from exploiting others. 
This is The wallet adress for here where i send all my money : XXXX
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: Experian Information Solutions Inc. (GA)

I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. 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. 

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX { XXXX ) 15 U.S.C. 1681 section 602A. 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. 

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S.C. 1681 section 602A. 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.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Torres Credit Services, Inc. (IL)

**Subject : ** Re-appearance of Previously Removed Identity Theft Debt on Credit Report **Complaint : ** I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for reporting a debt on my XXXX credit report that was previously removed due to identity theft. This debt was originally removed in XX/XX/XXXX following a successful dispute that confirmed the debt was a result of identity theft. 

Despite the debt 's removal, it has reappeared on my XXXX credit report, causing significant distress and potential harm to my creditworthiness. This re-reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

**Violation of FCRA : ** XXXX. **Re-Insertion of Previously Deleted Information : ** Under the FCRA , specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information that has been deleted from a credit report is reinserted, the consumer reporting agency must notify the consumer of the reinsertion in writing within five business days. I did not receive any such notification from XXXX regarding the reinsertion of this debt. 

2. **Accuracy of Information : ** Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The reappearance of this debt, which was confirmed to be a result of identity theft, violates this requirement. 

**Violation of FDCPA : ** 1. **Failure to Provide Validation of Debt : ** Under 15 U.S.C. 1692g ( b ), if a consumer disputes the validity of a debt, the debt collector must cease collection of the debt until it obtains verification of the debt. Torres Credit Services Inc. has failed to provide any such validation despite my previous dispute and the confirmed removal of this debt.

2. **Unfair Practices : ** According to 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting a debt that was previously identified and removed as a result of identity theft is both deceptive and misleading. 

**Supporting Legal Cases : ** 1. **XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : ** This case supports the need for credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. 

XXXX. **XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : ** This case emphasizes the requirement for debt collectors to provide verification of the debt upon a consumer 's request, halting all collection activities until such verification is provided.
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi! 
I need you assistance to resolve the issue I got online of Bank of America. 
I have 3 accounts in Bank of America - checking, credit line and car loan. 
On XX/XX/24 I tried to make a payment to my car loan account in the amount of {$310.00} from my checking account, and after submitting it, my money went not to car loan account but but to my credit account which had {$0.00} balance. 
It was no options to fix mistake online, and there in Bank of America site is not option to pay my car loan from credit card. 
I called to Dank of America credit dept, spent about 2 hours listening to their offers, and finally living person picked up the phone, his name was XXXX from Florida, he stated he's in not right dept, transferred to another associate who's name was XXXX from Florida as she introduced herself, she was unprofessional and unfriendly, asked the same questions several times, kept silent frequently, mumbling something unclearly, than stated she " will do her best to transfer money back to my checking account but it will take 10 business days. 
When I asked to talk with her supervisor, another person picked up the phone, did not introduce herself until I asked her name, she told I'm XXXX but when I asked her position, she just hanged up. 
Currently I don't know if my request was submitted, if I get money back to my checking account to make payment on time, if I need to spend another several hours to get their staff response, and what should I do next if nothing was been done to fix the issue they created in their site. 
Can you please help? 
I'm really curious if anyone control Bank of America customer service, are they have any controlling dept. 
Please help me to resolve the issue! 
Thanks in advance!
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XX/XX/XXXX {$14000.00} XXXX XX/XX/XXXX {$7300.00} CAP ONE XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2200.00} ADDRESSES NAMES ASKING FOR REMOVAL OF : CHARGE OFFS- 15 USC 1601 LATE PAYMENTS - 15 USC 1666 COLLECTIONS - 15 USC 1692 INQUIRIES - 15 USC 1681
Consumer complaint received 2023-08-30
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. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX XXXX, FL XXXX You have to call or go into the store to cancel your internet-TV service. You can't email them or go to the website to do it but you can activate a new account that way. That in itself should be changed. So I cancelled my service on XX/XX/XXXX via a phone call to customer service. It showed cancelled in the billing on XXXX on their account page. Then somehow was reactivated on XXXX after I sent all the equipment back via XXXX then next day XXXX. I called and cancelled again in XXXX and he said the account wasn't showing cancelled, SO again I cancelled it. I received another bill, and called again and was told to ignore it as it wasn't showing the credit of the equipment yet. Then on XX/XX/XXXX I posted to the billing support group who advised me to go to the chat feature about it and no result. 
Months later I started receiving collection calls, This is all for {$100.00} and as I told them during the 3 calls I made to XXXX  I am not about to pay for something I didn't even have access to as I had returned the equipment and had no access to the service after XXXX. 
Now another collection agent Easter Account System of Connecticut is trying to again collect.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (CA)

I am writing to formally request a discharge of my student loans due to school misconduct associated with XXXX XXXX - XXXX XXXX - XXXX, which I attended from XX/XX/XXXX to XX/XX/XXXX. I believe that I qualify for a loan discharge under the grounds of school misconduct as the institution engaged in fraudulent and deceptive practices. I am still being contacted by the private student loan provider Navient. I still have balance of {$3500.00} thats attached to a loan that was XXXX.
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: JPMORGAN CHASE & CO. (OH)

I extended chase a line of my credit I'm a credit worth applicant they asked me for a down payment under 15 U.C.S 1605 were money can't be exchanged in a consumer credit transaction I was denied under 15 U.S.C 1611 false and misleading denial of my credit FCR 604 AND 15 U.S.C 1681 ( b ) that's a factory but not a deciding factor I asked if they practiced in truth and lending they refused to answer they said they did not know the laws I was saying well 15 U.S.C 1611 it says willingly and knowing it they completely committed fraudulent activity as this was solely a consumer transaction this was not a retail installment transaction so money should of never been a factor in this transaction
Consumer complaint received 2024-02-04
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: SLM CORPORATION (NY)

Unauthorized credit inquires on my credit report i have no knowledge of. 
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX SALLIE MAE BANK ( Bank ) XX/XX/XXXX SALLIE MAE BANK ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-02-04
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: U.S. BANCORP (TX)

I have 2 gift cards, one XXXX for {$50.00} and one XXXX for {$100.00}. They claim to be usable anywhere an XXXX or XXXX card are accepted. However, when I tried to use them at multiple online stores, the transactions would not go through. In the case of the XXXX card, I was billed {$0.00} each time my transaction was declined. Customer support for these cards is completely automated and do not allow me to explain the issue, rendering the support number essentially useless.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted to request a permanent removal of my active permanently. I kept getting a runaround. There was asking me questions that didnt address to me. I dont know nothing about nobody else. I can only answer for myself and they was very rude and they hung up on me all monitor call times they picking up not saying anything And all I want to do is get this removed I tried to do it online, but the system wont allow me is not working. And Im very frustrated
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2024 I deposited a cashiers check of XXXX in to Capital One savings account I had. The deposited check was held til XX/XX/2024 and wheni tried to withdraw funds was told my funds were fraudulent and my account would be closed. I contacted bank mobile feature and funds were verified and released. I returned to bank and withdrew XXXX all on XX/XX/2024. XX/XX/2024 I returned to get a cashiers check for XXXX and was denied and funds were frozen due to fraud and put back under investigation. I received an email stating after 7 to 10 business days upon closing of account my funds would be refunded via check. I contacted bank on XXXX business day and was informed it would be another 90 days. Without any formal email to this new information. I am a small business owner and a XXXXXXXX XXXX who is trying to start a construction company. Theses funds are from my investors and it appears to be sabotage of my current plan to operate my newly formed business. They sender of the check contacted Capital Oneand was informed that due to my banking history and credit scores Capital One will try and seize my funds.
Consumer complaint received 2024-02-03
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Foursight Holding LLC (GA)

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :