davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (NV)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear Experian. 

I XXXX XXXX XXXX and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- XXXX XXXX XXXX. account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account name-XXXX. 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (NV)

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : CKS PRIME INVESTMENTS Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

I doesnt know the exact date but on my credit report it shows XXXX. I had reported to the credit card company that my identity was stolen and I even told them that I wasnt financial stable to pay to receive a police report and I also explained this to a representative the representative told me to find a job so I could pay to get a police report at the time I was going through a XXXX XXXXXXXX. The company showed no remorse and continued to call about the debt I wasnt aware about.until the frequency phone calls early in the mornings
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

XXXX is reporting that I owe a debt to Affirm and Affirm has sent the debt to a company called XXXX. I have sent XXXX and XXXX both letters disputing the in accurate information reporting on my credit report. I stated that the information listed is in accurate and does not belong to me and if they can not do a thorough investigation to please have it removed from my credit report. They have yet to follow those guidelines.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One continues to try and XXXX me in commerce by denying to settle the account. I have provided payment yet they refue to apply payment to the account. WHY?! Capital One knows they report negative responses to credit bureaus and therefore it destroys my ability to obtain credit. The problem with this is that a credit report does exist, there is no negative responses on my credit report, I am the creditor the United States is borrowing from yet XXXX XXXX continues their financial slavery, XXXX me commercially, murdering me financially to the point I can not obtain my constitutional rights to life, liberty and the pursuit of happiness. What is Capital one 's reason for continuing to disriminate against me and damaging my credit. How can I live if I can not find a place because I am denied credit? How can I live if I have no utilities because I am denied credit? WHy does the government continue to allow these criminals to get away with these deceptive practices and damage the american public. YOU WORK FOR US! WE EMPLOY YOU! YOU NEED TO START DOING THE JOB WE PAY YOU TO DO AND PROTECT CONSUMER RIGHTS!
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

Bankruptcy court dismissed filing, and also barred from filing for 2 years. 
So there is no trustee filing ; the {$250.00} trustee fee never materialized. 

With hefty penalty and interest, it went way up. 

Please delete to zero, I waive mine rights for damages.
Consumer complaint received 2023-06-12
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: JPMORGAN CHASE & CO. (CA)

had almost XXXX in fraud charges and they refuse to fix the only late payment on my credit report, they claims its the credit bureau reporting and to contact they but I literally have a picture of the credit reporting showing late for 2020 XXXX. I pay my bills I pay everything on time I would appreciate if I got some type of help other than call the credit bureau and get told the same thing.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (TX)

Current bank Someone made an account using my information and have contacted them multiple times to get account closed. They state it is closed and already sent me proof, but I have received nothing. I have never once been told anything about how the account was made or that it is fraud and how to move further. They refuse to help me on the phone and just state that its already closed and they already sent me proof and theres nothing more they need to do.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$17000.00}. Please remove.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

XXXX is demanding {$200.00} for my policy balance after canceling them. They used the date of XX/XX/23 as the date of cancelation and the date from which they calculated my policy balance. 
However, I notified them of my cancelation prior to that and have proof that my new policy began on XX/XX/23. I have sent them proof of this twice and have yet to receive an adjusted balance amount. I have continually asked XXXX to recalculate my balance based on the actual date of cancellation, XX/XX/23. 
I am more than happy to pay the proper balance.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (OK)

I opened an account a few months ago with Synchrony bank. I added an account at another bank for transfers and on XX/XX/XXXX attempted to transfer $ XXXX from XXXX XXXX XXXX  to Synchrony. Account was frozen and has been under review. Called on XXXX and XX/XX/12. They tell me my $ XXXX is unavailable to me, that they dont know when it will be reviewed and dont know when I can expect communication back. No communication has been available and even when I escalated the call, they said it could be any amount of time. This is unacceptable. I did everything right and am getting no answers and all my money is tied up indefinitely.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FREEDOM FINANCIAL NETWORK (TX)

XX/XX/2022, XX/XX/2022, XX/XX/2022. 
I was told by the employees at freedomplus that my credit score would not be affected. 
I was told they would only pull a hard credit check if I took out a loan. 
A hard check shows up under XXXX. 

freedomplus.com 2022 Freedom Financial Asset Management , LLC. 
All Rights Reserved. 
XXXX XXXX XXXXXXXX Main Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Branch Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Mailing : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have put a security freeze on my transunion account a few weeks ago by their website. Now, for some odd reason, it is unavailable for me to do it on their website so it gives me a customer service number to call. Ive tried to call that number multiple times, but the automated service shuts me down when I try and type in the required information and ends the call immediately. I have tried to use their chat function but nobody ever responds. I have no way of contacting them. This is ridiculous, I have a Mortgage loan I need to apply for and I can not do so, because of the amateur business practices of Transunion.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

There account reporting in my credit from LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) this account is fraud, is not mine. Please help me remove it, is affecting my credit records.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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)

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (CO)

As part of a house purchase I needed to sell stocks in various broker accounts and aggregate them in a bank account. Our title company requires us to to a Federal Reserve Wire. Since this is a large amount and might be an usual transaction I called my bank Discover Bank on XX/XX/XXXX to confirm whether I can make 1 ) a Federal Reserve Wire, 2 ) that I will be moving a large amount of money ( about XXXX ) into the account and use for a downpayment and whether there are limitations that would apply. At the time my account had about {$39000.00} in it. 

I was told, that despite the account being a savings account, that I should not have any problems doing a wire for a downpayment on a house and that the only restrictions are the 6 transactions per month. 

Based on this information I sold stocks in XXXX XXXX and XXXX and made large transfers into the Dsicover account. The most significant ones being from XXXX : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and from XXXX XXXX : XXXX on XX/XX/XXXX. 

On Friday XX/XX/XXXX I initiated a transfer to the Title company of $ XXXX. Later that day I received a message from Discover to verify the wire by calling them, which I did. They said the wire will go through a security review and should transfer on XX/XX/XXXX. 

On XX/XX/XXXX the wire did not happen and upon my request and after talking with multiple representatives and managers I was told that my account had been flagged, specifically the XXXX deposits as being irregular and potentially fraud. To protect me, their client, and themselves, the money will be on HOLD until XX/XX/XXXX. Eventually I was told I could access {$61000.00}, but that would not be sufficient for the downpayment on the house purchase I was doing. 
I explained that I specifically informed the bank of these transactions and was given a green light and that this puts me into a financially very difficult position and we will likely loose the house were trying to buy. 
Also, the money has already been in the account for 2 weeks and Ive moved money from and to XXXX from this account before. 

Furthermore I was also suggested to review holding periods in Discovers terms, but the longest period I could find was up to 10 business days. 

I offered Discover to provide them with statements or anything they want to verify that the money is mine, Ive also been with them since XXXX, so they know my account and they know the XXXX account I move money from and to. 

The people I worked with were polite and nice, but there was no viable option offered as a solution. We also talked about closing the account, cashiers checks and ACH transactions, but all of them would not allow the full amount to be released until XX/XX/XXXX.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a letter in the mail advising that Bank of America detected suspicious activity on my credit card. I have never applied for a credit card with Bank of America. Someone used my personal information to open a fraudulent account. Bank of America advised that the account has been closed.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 

LVNVFUNDG XXXX XXXX XXXX : {$2200.00} LVNVFUNDG XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2023-06-15
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)

The Master Promissory Note you provided was handwritten, not data entered into a computer system. The handwritten data is not my writing in print and the signiture is not mine. The date of birth is not mine which was also handwritten. I provided documentation with my handwriting in cursive, print and my driver 's license with my correct date of birth. Although I completed all request i was asked to do from your company, you still continue to hold me accountable for a debt that's not mine. You did not provide a full copy of the original Master Promissory Note. Please provide the following data, a full original copy of the Master Promissory Note from the original creditor, please provide a full copy of the original loan documents and application with the wet signiture or esigniture from the original creditor. Please provide a full payment history from the original creditor. Please provide the original purchase agreement from the original creditor to XXXX XXXX XXXX.
Consumer complaint received 2022-09-07
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. (MI)

In accordance with the Fair Credit Reporting act XXXX and XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also listed under inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/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 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO TRANSUNION XXXX  AND XXXX  WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. XXXX  REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL