davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
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. (PA)

1-XXXX XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, On XX/XX/XXXX, I was made aware that my account had been closed without my knowledge. I called your company to pay my balance in full and was told by XXXX XXXX XXXX : XXXX that there was a letter mailed to me notifying me of the closure. I never received any letter or notification. I then tried to confirm which address this was sent to, and was told nothing but excuses and lies. XXXX then said that nyour company uses some kind of database to update your client 's addresses/contact information WITHOUT ever confirming accuracy with your client. Your company then used this inaccurate information, and mailed my personal information to an undisclosed address. 

I have been a loyal card holder since XXXX, I have never made a late payment until this year when the father of my child passed away. I was left to pay for funeral expenses, lost time at work and am now a single mother. After 6 years of NOT ONE missed/late payment, this is how I am treated when I am experiencing hardship. Upon explaining this, and attempting to resolve this issue, I was refused help or any kind of resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that my account is re-opened and any delinquencies I have received be removed from my credit report. I have spent days trying to dispute this issue to no avail. Your company has been negligent in sending my personal information to an unknown address, closing my account without my knowledge and charging me over {$200.00} in fees. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-23
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. (MO)

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 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 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 2022-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Ria Envia, LLC (TX)

I wish to practice my right as a customer of RIA Financial to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with RIA Financial. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my RIA Financial account to a fraudulent person.
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. (VA)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: JPMORGAN CHASE & CO. (NY)

Chase XXXX Account # XXXX Chase sent me promotional email on XX/XX/XXXX that any purchase of over {$100.00} can be split in payments without fees and interested until XX/XX/XXXX. 
Than when I made two purchases on XX/XX/XXXX that wanted to split using this promotion offer, their reply was they can take away this promotion for any reason. Nothing changed on my account, yes they can take it away from my account for any reason but they need to inform me by phone, e-mail, regular mail that they took it away or that my account no longer eligible for that offer!!!
Consumer complaint received 2023-01-05
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)

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you
Consumer complaint received 2023-07-08
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: Exeter Finance, LLC. (OH)

These inquiries on my report are unauthorized. In accordance with the fair credit Reporting Act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you
Consumer complaint received 2023-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ), which has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act. which has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-01-05
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: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/2023, I was notified by email that my XXXX credit file had a new Hard inquiry from JPMCB in reference to a new credit card application. I did not initiate any such application. I contacted XXXX first and disputed the item. They filed my dispute and directed me to contact this website as well as the Creditor, JPMCB. I called JPMCB, verified my identity and reported the fraudulent activity. They accepted my dispute and will take actions to remove the inquiry. I am reporting the fraudulent inquiry here to further document this criminal activity.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (VA)

On XX/XX/21, I wrote into each bureau identifying inaccurate and unvaried items. As of today over 30 days later I have not received a response. I feel like Im on a hamster wheel going around in circles. As I'm learning about disputing these items I discovered my information was impacted by the Equifax data breach and now more than ever I believe my information may have fallen into the wrong hands.
Consumer complaint received 2023-02-05
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 ()

Hi, I have complain on Paypal, they banned my account ( XXXX ) without any reason, I know that my account is complying with all the rules and regulation of paypal, then suddenly they just banned it today ( XX/XX/2023 ). I already contacted paypal it is still on review and I want a help from you guys to have my account restored since I badly need it for my work and business. 

I still have XXXX $ funds that is still on hold in my account and can only be withdrawn after 180 days. Please help me restore my account. It's very hard to reach out to paypal so I am reaching out to you to help me with my problem. 

My paypal account was registered on my employer 's ( I am a freelance ) and some of my customers ( worldwide ) sending their payment on my paypal account. I can't afford to lose my account since it is very important this is where I get my money from. Most of my transaction is within paypal. I 100 % sure that I am obeying all the rules and didn't ruin any rules and regulation of paypal. 

My account information Paypal Email : XXXX Paypal Phone Number : XXXX Full Name : XXXX XXXX XXXX Location : XXXX Please help me to resolve my issue, your prompt response would be appreciated. Again thank you Best regards, XXXX XXXX
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Independent Dealers' Advantage, LLC (GA)

On XX/XX/2018 I tried to contact the company regarding investigating the validity of this account. I've been unsuccessful in contacting the company. On my credit report there are no contact information for this company. The account also should have been removed from my account.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NY)

No actions taking my company unknown debt XX/XX/2019 {$350.00} have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (MN)

XXXX I called Wells Fargo for charging me overdraft fees, and I was missing {$500.00} from my account. The banker said, {$500.00} will be available XXXX business days. I call XXXX weeks later, I explained, and the banker said, there is no information regarding am missing {$500.00} and my account is on negative and my account is well close
Consumer complaint received 2023-05-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Foursight Holding LLC (TX)

This debt was paid in full as agreed. Then they reported this as XXXX balance last investigation and CRA reporting cycle. Now they are saying that I owe them more than XXXX after just saying there was a XXXX balance just last month! I am so tired of this. They are re-aging the debt and changing the balances. The attached document says they are charging me XXXX for repossession and transportation costs! None of that has anything to do with me. This bank is really wild! They are not even reporting it accurately across the CRAs! This is outrageous behavior and needs to be stopped. They are not entitled to any money from me. Whatever business decisions they made they are responsible for the outcome. I am so tired of these irresponsible and thuggish banks looking for consumer funded taxpayer handouts! Please delete this from my credit report. Federal Law requires it! You all can clearly see the evidence of their erratic attempts to get money from me. They think that I can be bullied because I am XXXX! However I am well educated in America and I am a XXXX veteran so I will not back down when its clear that I am being wronged! They can not produce any signed agreement between us on me paying them some more money. The car was sold. I do not owe them anything. This is a very unethical company. I am literally XXXXXXXX XXXX XXXXXXXX and unable to work as a result of my service connected XXXX. I will begin to make this a news story soon leveraging my connections through the DAV. I am so tired of this bank trying to bully me. How can anyone standby and keep allowing this to happen? Please just delete this record and stop this madness.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

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.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I was charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more from various bank accounts, as well as accounts opened under my name. Please help me. Furthermore, XXXX  tried to take XXXX XXXX from my account but was blocked due to suspicious activity on all my accounts.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting XXXX XXXX Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be XXXX XXXX Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX, XXXX XXXX XXXX mailed a letter stating I owe XXXX on a past due account from Barclay Bank of Delaware. Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now XXXX is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.
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: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

Received a letter dated XX/XX/2023 from Stillman Law Office ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX ) offering an opportunity to settle a balance due of {$10000.00} with a creditor " XXXX  ''. They instruct me to call their office to settle the debt. 

I do not currently, and have not previously had any account or debt with any company named " XXXX '' No such debt is present on my credit report either so I can only assume this is some sort of scam.