davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear CITIZNPAYXXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana Revised Statutes ( LRS ) Title 9, Section 3571.1, which governs consumer credit reporting, and identity theft protections under Louisiana Revised Statutes Title 14, Section 67.16. 

It has unequivocally come to my attention that CITIZNPAYXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Louisiana state law further reinforces this requirement. Under LRS 9:3571.1, credit reporting agencies must maintain strict accuracy in consumer credit information and ensure that no report is made without proper authorization. Additionally, Louisiana 's identity theft statute, LRS 14:67.16, explicitly prohibits the unauthorized use or reporting of personal information, underscoring the seriousness of this violation. 

I assert, with unwavering certainty, that I have not provided consent for CITIZNPAYXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and state laws. 

I demand that CITIZNPAYXXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and LRS 9:3571.1. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Louisiana 's identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CITIZNPAYXXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-05-09
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. (IL)

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


Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-03
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. (GA)

I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am writing regarding the debt referenced in your recent communication, XXXX XXXX XXXX and an alleged balance of {$4500.00}. I dispute this debt and request that you cease any further contact regarding this matter. 

According to my records, the statute of limitations applicable to this alleged debt under Florida law has expired. The last payment or activity on this account occurred on or around XX/XX/year>, which exceeds the [ XXXX or XXXX ] -year statute of limitations for debt collection in Florida XXXX As such, any legal action to collect this debt is barred by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Florida state law, you are prohibited from taking any legal action to collect this time-barred debt. Additionally, any further attempts to collect this debt, including phone calls, letters, or any other form of contact, may constitute a violation of the FDCPA.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

The scammer met me on Social media XXXX and talked with me as friend for a while. He mentioned about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account, I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier. Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer. And I have couple transactions been sent to a digital wallet chain address without my permission. I try to file a claim from XXXX  XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank XXXX I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ XXXX XXXX law enforcement when I realized everything was scam! The scammer met me on Social media XXXX and talked with me as friend for a while. He mention about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account. He asked me to download another platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer ). And I have a number of couple transactions been sent to a digital wallet chain address with out my permission total XXXX. I try to file a claim from XXXX XXXX and XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very XXXX  and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ FTC and the police who claim they do not handle it as there is nothing related to the 3rd party, all the account belongs to me, when I realized everything was scam! I am really sad about it. I have borrowed money from family and friends because I wanted to withdraw money. I have cash flow issue, I have no money. Such incident gave me huge pressure, almost destroyed my family. Please help to stop Coinbase or XXXX to allow scammer to steal peoples money online. I need to have my money back ASAP.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal closed my account for no reason a few months ago and will not help me with getting it back up. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently to both buy and sell using a site called XXXX. I know quite a lot of other people who have used this site have also been flagged down by PayPal. My paypal email is XXXX. This has severely affected me as I have to completely switch up how I XXXX XXXX XXXX and I'm still even trying to figure it out. If I could recieve any help that would be greatly appreciated!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crossroads Systems Inc. (NV)

I was approved by SBA way of submission by XXXX on XX/XX/2021 This loan said funded already and is now reporting a XXXX filing on my business credit from SBA however I never received this loan. I have sent a number of e-mails to capital Plus but no response please help me resolve this issue. 
XXXX SBA Loan Name XXXX XXXX XXXX XXXX Loan Amount {$17000.00} Interest Rate 1.00 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lender Capital Plus DocuSign Envelope ID : XXXX THIS IS A COPY The Authoritative Copy of this record is held at XXXX COP
Consumer complaint received 2021-06-25
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. (FL)

This letter was sent prior and returned to CFPB advising that the accounts were not recognized. Listed in the attachment are the accounts numbers and along with a copy of the credit report. Please be advised that Transunion has received a letter prior to this and has not responded in the 30 days required by the FCRA.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

When will this bank allow me to open an account and stop refuting they treat me horribke claim relationship is ended and nothing I can do to comeback or change they dont want me as a customer this is illegal this is discimaitory claiming they have the right not to do business with a customer its like they banned me for no Reason I cant get no checking Credit card
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, 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. (GA)

I have sent several letters to All Three major credit reporting agencies and the creditors to dispute any/all inquires that I do NOT recognize and they still refuse to remove them from my report. 

These inquires are as listed : XXXX Inquires- XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX Inquiries XXXX XXXX XXXX XX/XX/2021, XXXX XXXXr XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XX/XX/2021. 

Experian Inquries : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Originally told over the phone I would receive the XXXX sign up bonus on XX/XX/XXXX when opening my XXXX XXXX XXXX card. I have been fighting with them as they refuse to honor this phone conversation with one of their representatives. I have spent months calling and chatting with them regarding this between XXXX to XXXX. Finally On XX/XX/XXXX a chat representative offered me XXXX Skymiles to make up for this, I have screenshots and this offer is still in the chat, they asked me to open a dispute for this on XX/XX/XXXX after nothing for a month. Now, today on XX/XX/2021 after having to call in the past few weeks to get a response to this they are now refusing this that they have offered as well!
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Newrez LLC simply can not process my mortgage correctly. Per their automatic payment system, I can send in more money than required to satisfy the mortgage and the balance of the overpayment will go to principal. 
My current monthly payment is {$1400.00}. I am sending in biweekly payments of {$1900.00} with the express intent that the interest and escrow be paid with the balance going towards the principal. 
In the month of XXXX there were three withdrawals made totaling {$5700.00}. The interest was {$110.00} and the escrow was {$560.00} leaving {$5000.00} to be paid towards the principal. The last payment of {$1900.00} was left in a " Unapplied Payment '' status so I started a chat session with a customer service rep that said she was going to apply it towards the account. A few days later I checked my account payment history and there are a series of bizarre and bewildering transactions that make little sense to me, and it ends up with the principal balance being incorrect. The balance of the mortgage at the beginning of the month was {$53000.00} so after paying {$5000.00} towards the principal, the current principal balance should be {$47000.00}, but they have it at {$48000.00}. 
They claim that they have up to 30 days to respond to inquiries which is completely unacceptable to me when I'm discussing something as important as my mortgage and would like to find a better solution to pay off my mortgage ASAP.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$7900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-07
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I noticed on my credit report I had a from Kohls which was open XXXX and the amount is XXXX. I sent a letter to kohls asking to send me proof of debt, debt validation letter and payment history. Reason being I never lived at the address they have on file and under 15 USC 1681b companies are not allowed to report inaccurate information on consumers credit. Under 15 USC 1692g the information that is being reported is inaccurate.
Consumer complaint received 2024-02-26
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. (MN)

The following accounts listed on my Experian and XXXX credit report are fraudulent and not my accounts : XXXX XXXX XXXX XXXX , {$100.00}, XXXX, {$0.00}, XXXX, {$4.00}, XXXX, XXXX {$170.00}, XXXX XXXX XXXX XXXX {$340.00} and XXXX XXXX XXXX , {$250.00}. I never applied for any of the accounts listed. The accounts dont belong to me and they are all fraudulent accounts.
Consumer complaint received 2021-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (PA)

On XX/XX/XXXX, I applied and was approved for a {$15000.00} personal loan through Upgrade. As of today, XX/XX/XXXX I have yet to receive the funds. I have tried to call and email serval time and different departments. I have also tweeted. I called twice yesterday and waited 50 min to be disconnected. I called today and was told the wait time was 19 minutes. I was on hold for 1:45 min and had to hang up because I was work. I sent the same email to XXXXhree different departments. Support @ upgrate, Resolution @ upgrade and contact @ upgrade
Consumer complaint received 2024-10-07
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. (IL)

I have checked my credit report, and I have discovered fraudulent account on my credit report, these fraudulent accounts are XXXX XXXX XXXX with account number XXXX and was opened on XX/XX/XXXXXXXX XXXX XXXX  with account number XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, these account are fraudulent and I request them to be deleted from my credit report as soon as possible.