davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

I deposited 2 checks on XXXX one from XXXX XXXX for XXXX and one from a lawsuit for XXXX. Well, its the following Friday, they still have not released my funds nor the XXXX that section XXXX states they have to. So I had bills set to come out the passed weds that were returned that I will have to pay a returned check fee in but I also have no money to get by due to them not even releasing the amounts their legally obligated to do. Im buying a house at the end of the month and I pray that this doesnt affect my credit score due to returned/potentially late payments.
Consumer complaint received 2023-04-12
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. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX on ( XXXX ) XXXX. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I'm reaching out to you because I've had a terrible experience with Marcus, and I hope you can help me resolve this issue and get the compensation I deserve. 

I've been a Marcus customer for years, and I thought everything was fine until recently. It turns out Marcus has a major flaw that many others have complained about -- it's nearly impossible to get your money out when you need it. Whether it's through ACH transfers or wire transfers, you're left without access to your own savings account for days or even weeks. 

Here 's what happened to me : I needed to transfer funds ( $ XXXX ) for a mortgage escrow downpayment, and Marcus locked me out of my account. To make matters worse, it froze all my linked accounts at other banks too. I spent hours on the phone with both Marcus and my other banks, trying to unlock everything, but I still don't have full access to my funds. It was absolutely terrifying not being able to access my own money when I needed it, not just with Marcus but also with the other banks that were linked to it. 

And let 's not even talk about their so-called " same day '' wire transfers. I called them multiple times, asking if they needed more verification, and they said they would expedite the transfer. But the transfer never went through. Every time I called, they lied about it being expedited and promised it would be done by the end of the day. I wasted so much time on the phone, listening to their empty promises. 

This is supposed to be a liquid savings account. They shouldn't have the power to lock you out of all your accounts, even after you've proven your identity. Their rates are competitive, but if you actually need your money for something important, Marcus is the last place you should keep it. 

I'm hoping you can help me with the following : 1. Look into Marcus and their policies on fund accessibility and the impact on linked accounts. 
2. Make sure I can access my funds and restore full control over my accounts. 
3. Hold Marcus accountable for their false claims about " same day '' wire transfers. 
4. Get fair compensation for the stress, time, and trouble this has caused me. 

I believe that by bringing this issue to your attention, we can find a resolution and prevent others from going through the same ordeal. I look forward to your response and hope for a resolution that can bring me and others relief. 

Thank you for your attention to this matter.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im a victim of identity theft. Transunion, XXXX, XXXX and their non affiliated XXXX parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS
Consumer complaint received 2022-11-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX inaccurate inquiries being reported By Transunion and 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 Inaccurate Inquiries being reported by Transunion and XXXX Below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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)

In accordance with the Fair Credit Reporting act 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 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 an account without my written instructions.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

certified.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (TX)

I made arrangements with creditor to pay a settlement to resolve that balance in the amount of {$1900.00} in XX/XX/2024. The amount was paid as agreed and was ded from my account prior to eom. It was told to be resolved on credit and was not. It was reported to XXXX as nit resolved.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Portfolio Recovery is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Portfolio Receovery to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Consumer complaint received 2018-04-14
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XX/XX/2018 XXXX. XXXX XXXX XXXX FL XXXX Please be aware that you have listed an account on my credit report that I am unaware of. Did investigation on this account and realized that this has nothing to do with me. With that being that I have filed a police report, a complaint with the FTC, and I have filed a lawsuit yesterday morning at the XXXX XXXX County Courthouse because you have violated my rights in several ways pertaining to the FCRA sections 609, 610, 611 615B and many more. I know my rights so I have decided to take legal actions towards your company and Im sure youll receive documents for the up coming hearing dated in May. I have contacted you before this time and I realized that you continue to leave the account on my credit file for months falsely verifiying without 100 percent correctly using legal verification methods. 
I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for original proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 3 business days to provide strict original proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to another collection agency or an attorney without providing original proof of contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. I am warning you that this is my final good will letter to inform you that this dispute is an internal dispute and I am sending this as an affidavit as well. 

Sincerely XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I just received letter XXXX and XXXX closing XXXX of my capital one credit cards all of a sudden with no warning due to return payments. I always corrected these and never once did I received a phone call or anything on these cards or hey if it happens again we will close your accounts. I have a car loan with a perfect payment history. I will never purchase a car or any products with capital one ever again. Customer service is a joke and they dont care. Worst treatment of an established customer that I have ever encountered. Thank you
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Several months ago Capital One placed my account in charge off status after refusing 2 payments in a row and 3 others as " never received '' even after I showed proof of payment. I refused to pay the balance due to the illegal actions of CapitalOne because I did not owe the balance which included interest tacked on from the payment refusals plus late reporting which damaged my credit and reputation. 

A couple months ago CapitalOne and I came to a payment agreement in exchange for removing all negative remarks from my credit history. The balance was paid in full as of 4 days ago and they are now refusing to remove the negative remarks from my credit history stating it is their policy not to. When I told them they made a promise AND have done so in the past AND they report on XXXX and in their advertising they do they claimed it was not true.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Deposited a check in my bank to purchase equipment for a job I was doing. My bank verified funds on the day of deposit and also verified funds on the day of the wire transfer, to secure a electronic wire transfer to pay {$37000.00} for the equipment. After wire transfer was made less than 3 hours the check posted stopped payment and all they will do is see if they can loan me the money for the negative balance in my account and will not do any fraud complaints.
Consumer complaint received 2023-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (AZ)

On XXXX XXXX, XXXX and XX/XX/XXXX I send out two debt validation letter to CAC Financial Corp in the amount of {$1000.00}. This company have not responded to my letter. However, this is not my debt.
Consumer complaint received 2022-11-08
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 did not authorize or give permission to these companies to report my private information. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports this is violation of my federal protected consumer rights.
Consumer complaint received 2023-01-24
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. (FL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-03-08
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. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK ()

Dear CFPD Complaints Department, I hope this email finds you well. I am writing to file a formal complaint against East West Bank regarding an ongoing issue with my account. I kindly request your assistance in addressing this matter and ensuring a prompt resolution. Please find below the complete content of my complaint : Since its opening, I have diligently adhered to all U.S. laws and regulatory requirements, ensuring full compliance without any violations. 

In XXXX of this year, I received an email from an individual claiming to be my account manager. They requested an explanation for specific transactions made through my East West Bank account in XXXX. Additionally, they asked me to provide statements for the associated accounts. However, no specific timeframe for my response was mentioned in their email. 

In a timely manner, I replied to the aforementioned email address, providing a detailed explanation and attaching the statements of the relevant accounts. Unfortunately, the email was automatically returned by the system, indicating that it did not conform to the custom email flow rules established by your email administrator. Consequently, I removed the attachment from my email and sent another reply, explaining the situation regarding the unsuccessful attachment. The subsequent email was successfully sent, although it did not include any attachments. 

However, on XX/XX/XXXX, I received an automated email from East West Bank 's system stating that my account is currently under consideration for cancellation. The email advised me to contact their customer service to address this matter. Subsequently, I promptly reached out to their online customer service. They explained that the automated email was triggered due to my failure to respond to my account manager 's email within the specified timeframe. They further clarified that my account has not been officially canceled but is currently restricted from trading. They assured me that once I respond to my account manager 's email, the matter will be reviewed, and the trading restriction on my account will be lifted accordingly.
Consumer complaint received 2023-01-24
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 have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
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. (MI)

I am reaching out because I have an inaccurate item on my credit and it does not belong to me and I would like it to removed because it does not belong to me In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.