davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
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)

The LAW has clearly established that financial institutions are not permitted to sell or disclose my nonpublic information without my written instruction, consent, or permissible purpose, and that I must have the opportunity to OPT OUT. I was not given this opportunity, and this is a violation of the FCRA, GLBA, and FDCPA. 

These are the specific violations that have occurred and the laws that make these actions unlawful with a penalty and remedy if pursued in court : 1. XXXX XXXX XXXX illegally shared transactions and experiences on my consumer reports. This is a direct violation of 15 USC 1681a ( 2 ) ( I ), which states that reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. 

2. XXXX XXXX XXXX disclosed nonpublic personal information to a non-affiliated third party without providing me with the required notice under 15 USC 6802 ( b ) ( 1 ). 

With knowing the law, I DEMAND that the transactions and experiences of the XXXX XXXX XXXX  account must be removed from all my consumer reports. I have registered a fee schedule with the court clerk in my jurisdiction. If this matter is not resolved within 7 days, I will take legal action, including but not limited to reporting this activity to all government entities and regulating agencies. I will seek out the IRS, SEC, FTC, FBI, FinCEN, OCC, FCC, CFPB, all applicable governors of the corresponding states, all applicable District Attorneys of corresponding states, all applicable Attorney Generals of corresponding states, and the Department of Justice to create and impose litigation and arbitration amongst all parties involved. Then I will seek legal representation ( with whom I already have an attorney on retainer ) to purse remedy based on my registered fee schedule and the unlawful acts that have occurred. My fee schedule includes the credit reporting agencies must pay me {$1000.00} per day for each day that they continue to report this false and fraudulent information. Also, after 15 days the credit reporting agencies must pay me an additional {$20000.00} in attorney fees. Additionally, XXXX XXXX XXXX must pay me {$2500.00} per day for each day that they continue to violate the FDCPA and engage in unfair and deceptive practices. 

I thank all parties involved for taking swift actions in resolving my matter at hand and obeying the law as I am demanding this XXXX XXXX account being removed IMMEDIATELY.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (FL)

ACCOUNT NAME NATIONAL CREDIT ADJUST XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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: Experian Information Solutions Inc. (IA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Loan Science, LLC (OK)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with FMXXXX || FMLOAN XXXXXXXX  which I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of FMXXXX || FMLOAN XXXX. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-10-26
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. (SC)

XXXX, XXXX XXXX I recieved a new credit report. My credit report shows a reply froma dispute that I made about inquiries that I did not apply for nor do I have account with theses companies. I have attached my most recent credit report as proof that the inquiries are still on my credit report. Equifax respond to my compliant on XX/XX/2022. The compliant number is XXXX. Equifax states this : A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX  XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. All of these inquires are still on my credit report. Please check the pictures attached.
Consumer complaint received 2023-11-06
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: WELLS FARGO & COMPANY (LA)

I have written to the companies listed on this complaint, I have written to XXXX, XXXX, XXXX and levied complaints about these unknown transaction. I have sent certified letters that, That have been signed and verified with a notary public stamp and signature.
Consumer complaint received 2023-11-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I sent a dispute request to XXXX XXXX XXXX and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to 15 USC 1692g these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.
Consumer complaint received 2022-12-22
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)

DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX AV XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is making me lose confidence in the banking system due to these violations. I the consumer does not grant TRANSUNION. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX CAPITAL ONE BANK USA NA ) " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) ( CAPITAL ONE AUTO FINANCE, 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  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (MI)

I was issued a prepaid card for {$100.00} from a rebate. The card was stolen and there were fraudulent charges. I reported it and was told they would send a replacement and refund the charges. I have not received the replacement card or the funds that were stolen. I called to follow up and still have not received the funds back to my account.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The companies listed below did not notify me before placing these accounts on my credit report. Experian, XXXX, and XXXX has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I've been banking with JP Morgan Chase for both Personal ( Account # XXXX ( Who gave me a Private Client Account, and numerous accounts for my two business ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX including a credit card. Other than providing a letter, they've given me no reason as to why. I visited a branch, they told my wife no reason. They have not closed my fianc 's accounts who lives at my home who also has a JP Morgan Private Client Account, however, her name is XXXX XXXX an American name. I just fell I am being discriminated and singled out which is not fair. I've been paying them interest and fees for many years and have never had one negative mark on my mark.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Eagle Financial Services, Inc. (OH)

I received a letter in the mail today ( XX/XX/XXXX ) regarding a credit denial for a loan that I did not apply for. I called and spoke with XXXX XXXX and she stated I applied for a loan online on XX/XX/XXXX and it was incomplete. They made their credit decision based on an incomplete application. They marked the denial reason as delinquent accounts on my credit profile.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXXXXXX which involved me making deposits for a total amount of XXXX USDT from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

On XX/XX/XXXX, at around XXXXXXXX XXXX I made a purchase on XXXX using my Chime card with no problem. When I went to verify my balance on the account, I received an error message saying that my account had been closed, and to call Customer Service. I called and spoke to an Agent, XXXX, who told me that the account had be closed because of a XXXX XXXX  negative balance on the Checking account, even tho my XXXX XXXX account had {$350.00} in it, which couldve easily covered the overdraft. In addition to having money in my account, Chime offers XXXX, which is and overdraft coverage of {$20.00} or whatever amount they allow yo to overdraft without any problem. My XXXX  was {$25.00}, and I had only used {$10.00} to pay my gas bill. I pressed on for more information but they could not tell me why they could not reopen the account or send me the funds on the account. I requested to speak to a supervisor but was told no one was available. I asked if they were illegally taking my money and they said they are not paying it back.
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Subject : Request to Opt-Out of Information Sharing and Privacy Rights Dear Sir/Madam, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically the opt-out provision outlined in 15 USC 6801, and the Privacy Act of 1974. 

Per the FCRA as a FEDERAL PROTECTED CONSUMER, Im now OPTING OUT OF ANY AND ALL AUTHORIZATION, I The CONSUMER may have given you written, unwritten verbal and nonverbal. Per 15 USC 6802. 

Account Name : Capital One Account Number : ( XXXX ) I request that you do not share my personal financial information with non-affiliated third parties, as allowed under the GLBA. Please process my request to opt-out of information sharing for marketing purposes immediately. I understand that this request is permanent unless I choose to revoke it in writing. 

Additionally, I request that you provide me with a copy of your privacy policy as required under the GLBA and the Privacy Act of 1974. Please also provide me with information on how to exercise my rights under these laws. 

Please acknowledge receipt of this letter and confirm that my request to opt-out of information sharing has been processed. I also request that you update my account to reflect this preference. I also would like a copy of the original contract with my signature. 

Thank you for your prompt attention to this matter. I appreciate your cooperation.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (PA)

I have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history Immediately.