davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (TX)

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  - XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account
Consumer complaint received 2023-05-27
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: CL Holdings LLC (TX)

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (TX)

I have a new inquiry from JPMCB auto finance. Im not sure if that means someone has used my credit to open an account or why it was even pulled there. I have no accounts with chase banks whatsoever and hope it doesnt connect with my credit going down XXXX whole points afterwards.
Consumer complaint received 2022-09-04
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: MOHELA (OH)

Please send me The Account Statement fot both accounts. and XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX  oh XXXX immediately. Thank you.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I currently am a college student at the XXXX  XXXX XXXX XXXX. For the XXXX XXXX  semester, I received a refund based on student loans that I've been approved to receive. The amount that I received as a refund was {$2200.00}, and I decided to open up a checking account with Citizens Bank as a way of accessing the refund money. XXXX  days after updating my school 's XXXX  account to allow the deposit to occur into my Citizens checking account, the bank decided to lock my account and freeze me from viewing and accessing my account balance by essentially removing my account. The refund money I was supposed to receive is unable to be accessed, and I currently have ~ {$2200.00} in loan money ( deposited as a refund into my CItizens account ), that I have no idea how to access. I called Citizens bank for further questioning, but the support people were unable to let me know what is going to happen, and their nearest branch is out of state.
Consumer complaint received 2017-09-18
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. (FL)

I called XXXX XXXX on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Experian credit file without my authorization, I did n't get a response nor did they help me.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 
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 XXXX 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 2023-03-25
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: U.S. BANCORP (MI)

I received a mail advertising the Fidelity visa signature card handled by Elan financial services. Advertised was 0 % promotional Intro APR for 12 months on purchases and 0 % APR for balance transfers made within the first 30 days of opening. Received my card on XX/XX/XXXX, did XXXX balance transfers on XX/XX/XXXX ; 3 % balance transfer fee was applied and I got charged for interest at the end of the month for $ XXXX XXXXI called them and they said my account never had promotional APR in the first place. On XX/XX/XXXX, I receive another similar advertising mail saying the same promotions - 0 % promotional intro APR as well as 0 % APR for balance transfers. I feel I got scammed here and want my money back
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (AZ)

CHASE BANK has facilitated the financing of my vehicle, with the account number XXXX and VIN # XXXX I have rescinded the transaction via 15 U.S.C. 1635, to no response from the company.

They, along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non repayment thereof. This is a violation of 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, RICO.

I have demanded they cease communication with me with regards to this debt, per 15 USC 1692c ( c ), and they continue to make harassing phone calls and threatening statements.

I have demanded they validate the alleged debt, pursuant to 15 U.S. Code 1692 ( g ), and UCC 9-210, to which they have failed to do so.

I am reaching out to your office to hold this company accountable and to uphold my federally protected consumer rights.

Thank you for your time and attention to this matter. 

Respectfully, XXXX : XXXX, XXXX on behalf of XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-07-17
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. (MO)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2023-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC (NY)

I recently got a loan for XXXX XXXX with West Lake Portfolio, and I wanted to change my recurring payments to a higher amount. I was didnt have the ability to make changes and called customer service. Since, I have scheduled additional payments toward the loan, but I have not received confirmation of the payment via email. I have also checked my account and no scheduled payment ( s ) is available for me to view, change, or cancel. Ive contacted their customer and they cant find the payments I have recently scheduled in their system. It has been quite an awful customer service experience. As a customer I should be able to view all scheduled payments and have the ability to edit or cancel, which is not allowed in their customer facing platform. West lake Portfolio Management is not a good service provider.
Consumer complaint received 2023-05-27
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. (CA)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 
XXXX XXXX XXXX XXXX  Transunion, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, 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 Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXX XXXX XXXX has violated my rights .

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.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (OR)

I wrote a check to XXXX XXXX XXXX to make a payment for my visa account on XX/XX/2022 in the amount of {$590.00}. I mailed the payment from my drop box at my local post office. The check was cashed by XXXX XXXX  XXXX XXXX and on XX/XX/XXXX of XXXX my bank, KeyBank funded the check from my account. I didn't realize what had happened until my payment to XXXX XXXX XXXX was not credited to my account. XXXX XXXX XXXX  said it could take 2 billing cycles to resolve. After I water for 2 billing cycles, I spoke to the fraud dept of KeyBank and they said I needed to filed a police report and fill out their paperwork and they would send it on to the fraud dept. The bank said it could take 90 days to be resolved. I have called every month since then and Keybank says they are waiting for XXXX XXXX XXXX XXXX XXXX to refund my money or that they will email the fraud dept. again but, they never call me back. It has been a year and I feel I should have been refunded by now. 
It is not my fault that XXXX XXXX  XXXX XXXX funded this check and Keybank paid XXXX XXXX XXXX XXXX XXXX as well. 
This account is in my XXXX mothers name and I am a signer on her account.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (AZ)

I have attempted several times to get a copy of my report through the company and their website is erroneous and does not work. I was denied a checking account based on BAD information supplied by the companyt to XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX accounts are being disputed as not having a contact with those companies. All I received in return was a page that said updated information and an account number. I am looking for this debt to be VERIFIED AND VALIDATED. I need proof that these accounts belong to me, and that I signed up for them.
Consumer complaint received 2023-05-27
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: LEXISNEXIS (IL)

I have been trying to resolve this issue by allowing LEXIS NEXIS to reinvestigate this issue with this Bankruptcy that they are reporting on my consumer report without my consent. they have repeatedly told me that this information has been verified through ( XXXX  ) XXXX XXXX XXXX of the United States Federal Courts. LEXIS NEXIS has been furnishing personal information that is damaging my credit report and violating my privacy. XXXX  nor do the Bankruptcy Court House verifies or validate such information to LEXIS NEXIS or any credit bureaus. so this is a violation and this bankruptcy needs to be removed immediately.
Consumer complaint received 2023-05-27
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

You would have to get my whole account from XXXX XXXX XXXX and then SPServing! Actually my entire account from XXXX XXXX didnt transfer over my escrow payment for my taxes, nor did the pay my taxes.. SPS Did nothing then or ever!! Went into bankruptcy because of both of them!! In XX/XX/XXXX, XXXX XXXX even refused to give the Home Keeper program the information they requested to give a loan me a loan to payoff the arrears from being a XX/XX/XXXX loan Not because I was ever a day late on payment! I was in a very long modification process, like years, I was in XXXX XXXX executive office, Customer service supervisor Author XXXX!! After an hour long argument he still refused to send it because he did have to!! After my modification the paperwork got sent in XX/XX/XXXX! They took my bankruptcy payments and put them all over the place, up your escrow ever opportunity they have because they are insane!! Say Im not making payments when I am!! They never fixed one think so obviously Im losing my home!! Thats what SPS DOES BEST AND YOU ALL KNOW IT!!!!!!
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Bought a XXXX tree from XXXXXXXX XXXX using my Capital One Credit card. XXXX charged my account $ XXXX twice. I called XXXX and they did not have anyone to fix the problem. I called Capital One after spending XXXX minutes trying to get to someone to speak with they transferred me to XXXX others who simply verified my identity and said there was nothing they can do about it. I was over charged $ XXXX and capital one refused to take the charge off my card. I ask for a supervisor they put me on hold for XXXX mor minutes and then hung up. 

XXXX XXXX XXXX XXXX phone
Consumer complaint received 2023-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

This debt has shown up on my credit report under Jefferson capital payment systems.. 

I have no clue what this is and when I reach out to the company They state it is being serviced by someone else.. 

I want this removed from my credit reports immediately
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I have a platinum American Express credit card, which it doesn't have spending limit. I have been making sure that I pay the card large amounts so that I can keep the good records and I have been making automatic payments of {$500.00} every months, plus large payments of {$1000.00} or more. For example my recent last large payment was {$11000.00} on XX/XX/XXXX. So far everything was fine, until the last statement, that the the minimum payment became the whole statement balance of {$7800.00} as I had two large charges related to my dad 's funeral. I called to arrange a pay over time deal with them. But the next day I saw that the automatic payment has been triggered and it is set for the whole statement balance of {$7800.00}. I called multiple times to get it fixed and I only received run around and fake resolutions, telling me that they have fixed it. Eventually, AMX tried three times to withdraw this large payment from my XXXX XXXX XXXX and it messed up all my other bill payments that were supposed to be withdrawn from my XXXX account as it was negative. I am very unhappy with the customer service who caused this problem and now my record in their system is showing that my payment was returned due to insufficient funds, while I didn't authorize this large payment and it was purely customer service issue. Now, I am showing late on the payment that I didn't set up to pay and this is not my fault.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (MD)

Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies. 

This was the previous complaint that I made to Robinhood who evaded answering all of the questions that I demanded. These included questions regarding XXXX XXXXXXXX XXXX me while I was struggling to close the account.