davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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. (KY)

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 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-20
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. (AL)

In accordance with the Fair Credt Reporting act XXXX  account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me!

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same.

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.
Consumer complaint received 2024-03-09
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. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, XXXX, and Experian. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on Experian, and I have XXXX inquiries on XXXX and XXXX as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, XXXX, experian ) XXXX CREDIT CARDS*********** **Transunion, XXXX, XXXX XXXX XXXX XXXX  Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX FIRST XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **Transunion, XXXX, Experian** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2022-10-18
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. (NC)

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 
Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
Consumer complaint received 2023-01-04
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. (TX)

IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.
Consumer complaint received 2024-03-09
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. (FL)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family Please remove unauthorized inquiries from my credit report As soon as possible please see attached.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2023, I logged onto my Amazon XXXX  account to make family purchases for items we needed. At first, I got the notice to update my credit card and I didn't think anything of it and paid with the one on file, which is my Chase Credit Card for Amazon XXXX. 

A few minutes later, I received an email that my card was declined. So, I log into my account and review what's going on. I see the account is closed. Perplexed, I called in to inquire why. I've always maintained a good standing with my credit card account. I pay it monthly and rarely let the balance get too high. I loved this credit card as I enjoyed a healthy 5 % off all my purchases, the primary reason why I got the card. I didn't even know they canceled my card until I called in. They didn't even take proactive measures to communicate that they closed my credit card account. 

After connecting through to a specialized customer service representative, I'm told " The Bank decided to close your account yesterday. For your privacy, I am not notified why. '' I inquired why, how, and where the notification was. I'm then told, " They closed it yesterday and they sent you a letter in the mail yesterday. It should arrive in 7-10 business days. '' How can this be so? I was in good standing and always paid my bills, and yet they closed my account?
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I set up a new bank account w/ Huntington Bank XXXX I got it set up, and wanted to transfer the considerable $ $ that I had in my account at XXXX XXXX XXXX XXXX XXXX that I had when I was a minor. I followed the steps to verify my external ( credit union ) account on Huntington 's website. After I verified the CU account on Huntington 's site w/ micro deposits, I was prompted to transfer funds from the CU to Huntington . I initiated a {$4200.00} transfer. on XX/XX/XXXX I received an email that the deposit had been rejected because I hadn't verified my account ( I had ). On XX/XX/XXXX we went in to a Huntington branch and showed them bank statements and my license, and they again verified my account. But the {$4200.00} has been missing for a month. There have been numerous phone calls and emails and still no resolution. Huntington told me that the credit union had to file a dispute. Two times I asked the credit union to file a dispute and they said they couldn't, that Huntington had to file. I called Huntingon and they said they couldn't file. The credit union said they needed the transaction number. I called my Huntington branch, and they told me to call customer service to get the number. The customer service has been horrible on both sides. For weeks, no one has stepped up to help resolve this issue. My mom has been helping because I don't have access to email and phone at work. Working on my behalf, she asked both institutions to file a dispute on XX/XX/XXXX. Both institutions keep saying the other should file a dispute. The credit union allegedly filed the dispute about XX/XX/XXXX. The branch manager responded to the email and said that she had reached out to XXXX to have the money returned/refunded to my account. On XX/XX/XXXX we discovered that Huntingon had not filed a dispute as asked on XX/XX/XXXX. My mom spoke to the Huntington branch manager on XX/XX/XXXX and she said that she had escalated to her boss ... .after one month. We again emailed and asked all parties to speak on the phone and get this issue resolved. So it has now been over a month. I verified my account as specified on Huntington 's website, by doing the micro deposits, but they rejected the large deposit. And the {$4200.00} is still missing. As a young adult, this is financially devastating to have a huge amount of money missing for so long. It has disrupted my work because of having to make so many calls. It has caused a huge amount of stress and been a significant waste of time.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (PA)

We were guaranteed XXXX XXXX reward points when opening a new credit card account after meeting certain purchase requirements. We met the requirements as described in the contract. However, after completion, we were only given XXXX points. We are in possession of the original contract indicating a reward of XXXX points if requirements are met. The PDF is attached.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (IL)

I have been noticing large amounts of money missing and when it becomes missing there is a pattern pending transactions. The pending payment will last for about XXXX weeks and after a chunk of money come up missing. Also I have been with wells Fargo for just about XXXX years never paid any kind of fees and I have been charged a service fee from each of my accounts the checking I'm charged {$14.00} per month on XXXX different checking accounts and the savings I charged {$7.00} on each account. I feel like wells Fargo is stealing money and I. Really don't know what to do. I. Was told they can. Put it back. But in order for them to do this I need to change my account. I really want to take them to court and hold them. Responsibile for my stress torment, frustration and times of hardship due to this situation.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MS)

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX, na was on XX/XX/XXXX in the amount of {$100.00}. My balance was {$330.00} at the time. On XXXX, the account was closed and charged off with XXXX XXXX XXXX On XX/XX/XXXX, LVNV Funding, LLC acquired the account. I Received Several Emails, and Calls from XXXX XXXX XXXX XXXX XXXX ) and Resurgent Capital Services XXXX XXXX ). I have Disputed the account and requested to verify the correct balance. 
LVNV Violated, " The completion of the period of limitation prescribed to bar any action shall defeat and extinguish the right as well as the remedy. '' XXXX XXXX. 
The statute of limitation clock starts when the contract is breached. Typically, this means 30 days after the date of the last full payment. 

Also, Misleading representation, will XXXX different companies stating that they are collecting debt for LNVN, Funding relating to a charge off account with XXXX XXXX XXXX 


Futhermore, On XX/XX/XXXX a summons was issued by LNVNL Funding, LLC XXXX XXXX XXXX XXXX to appear in XXXX XXXX XXXX XXXX regarding the collections debt matter. ( XXXX XXXX. : XXXX ), delclaring that I pay {$780.00}, plus judgement interest at 8 %. 
The declaration stated that LVNV Funding, LLC ( Plaintiff ) " Through Counsel '' sent ( Defendant ) a correspondence demanding payment on this account. 

I never received Correspondence through counsel demanding payment for the account. 

Also, I was never served summons, as there is no proof of summons. I so happen to be walking in my front yard and notice a paper on the ground. 

On XX/XX/XXXX, I contact XXXX XXXX group and spoke to a XXXX who identified himself as the vice president of the company. He was rude and wouldn't hear anything I had to say regarding this matter. 

I went to the company 's website and saw that that did not have a " XXXX XXXX listed on their website and through Mississippi XXXX of XXXX XXXX XXXX.
Consumer complaint received 2018-04-18
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. (MD)

I recently received a copy of my XXXX XXXX, XXXX  and Experian credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX-XXXX
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TEXAS CAPITAL BANCSHARES, INC. (WA)

XX/XX/2023 enrolled in XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  miles if maintain a {$50000.00} deposit in a XXXX XXXX  savings account. Completed this on XX/XX/2023. On XX/XX/2023, I was notified via web site my {$25000.00} deposit returned only XXXX XXXX XXXX 

Contacted first XXXX  employee excessive load background noice asked 4 times please tell people in call center to stop... I hung up. 

Called back XXXX time had to ask 8 times since head set gave out XXXX  nonie get the supervisor, XXXX, told get call back no information when or time. 

Called back again got another employee headset issues asked for supervisor told NONE available ... so Ia asked for them Manager of the supervisor told NONE available. 

XXXX XXXX told I would get XXXX XXXX XXXX which is given versus interest in XXXX XXXX but it showed up in XX/XX/2023 but no missing XXXX equal to {$250.00} when used on XXXX