davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

The law says it is illegal to report transaction history 16 CFR 313.7 - Form of opt 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.out notice to consumers ; opt out methods. 16 CFR 313.7 - ( a ) ( 1 ) ( i ) ( ii ) ( iii ) Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - ( b ) 1. Obligations with respect to disclosures of personal information. 
I did not give consent to report my transaction, history, or utilization, and demand that it be reported to XXXX because it is affecting my score tremendously! It is a violation {$1000.00} per inquiry federal law.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (NJ)

XOOM money transfer, a XXXX XXXX service ( head quaters in california ) has stolen money amounting to XXXX XXXX dollars from my checking account XXXX XXXX I have all proofs of money transactions that has been created by XOOM money transfer. The customer abused me and threatened me when i asked for my money and denied my claim. My bank account has been compromised and i had to start a new account in XXXX XXXX I am please asking please help me. I am a XXXX citizen without a job. I have substantial proof that XOOM has stolen money. Please call me XXXX. This money is to be paid for my daughters tuition. please help. 

Best wishes
Consumer complaint received 2022-11-14
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. (GA)

The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I am the Trustee of an account at JPMorgan Chase Bank. On XX/XX/XXXX the funds were set to NYS Unclaimed Funds. I moved my office and did not receive the notice that the funds were sent to the state. During a search for unclaimed funds on this client I saw that the Trust funds in the amount of {$69000.00} were listed on the state website. I requested the funds from NYS and they are unable to locate the funds. They sent me a letter telling me I needed to contact the bank for further information and included a Claim Information Affidavit for the bank to fill out regarding when the monies were sent to the state. In XXXX of XXXX I called JPMorgan Chase and spoke to the Unclaimed Funds department. They were not able to help me. They referred me to the Escheatment Department ; they were not able to help me. I sent a letter to the Escheatment Department with a Abandoned Account Notice and a bank statement. I did not get a response to my letter. On XX/XX/XXXX I went to the Chase branch where I opened the account and after being with the banker for over two hours they were not able to locate any information about the funds. The banker scanned a copy of the bank statement showing when the funds were transferred out of the account to the state and also the Claim Information Affidavit. They were emailed to someone within Chase. We have not heard back from Chase regarding this matter.
Consumer complaint received 2022-11-14
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. (GA)

The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

The email sent to me stated that {$580.00} was deducted automatically from my account. 
The person on the phone I talked to stated I was hacked by a known hacker and he purchased an IPhone in my name. When I started getting suspicious of the nature of this call, the " representative '' hung up. When I called XXXX again, a lady answered and got aggressive when I told her I thought it was a scam and then hung up.
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA (IL)

My husband and I went to get a puppy to XXXX XXXXXXXX, we got pre approved through a lender called LENDING USA. They had stated I was approved for XXXX dollars loan upon checking and verifying my ID. Which they did. We chose the puppy, got attached to it the minute we saw her, they took our down payment and they denied us after taking the money, stating my XXXX was not valid because they needed me to be a citizen or a XXXX This act of discrimination is not ok
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AZ)

I had a promotion with Care credit and paid off the promotion. They still charged me all the intrest. I was told it was adjusted off XX/XX/2023. It is still on my account and now charging me intrest on that intrest. I am told it is being removed but have to wait 1 to 2 billing cycles. I want this off my credit report. I have waisted so much time with this company.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (DE)

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 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 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 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 2023-05-13
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. (TX)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00} Note that this complaint is my follow-up complaint to ensure the listed accounts are verified immediately.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AL)

On XX/XX/2021, my checking account with BBVA was converted in a merger with PNC Bank. Prior to the merger, the account was set up for e-Statements. 

After the merger, I stopped receiving any statements, either paper or e-Statements. I am unable to turn on the e-Statement feature in PNC 's online banking ; nor am I able to access my BBVA e-Statement history. 

Thus, PNC has been in violation of Reg E since the merger. They have failed to provide regular account statements in any format, and calls to their support numbers fail to provide any results - I get passed from one person to another, but no one knows how to solve this issue.
Consumer complaint received 2023-07-21
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: Resurgent Capital Services L.P. (UT)

XXXX has sold my PII illegally and has consistently violated FCRA and FDCA. Who's LVNV/Resurgent when you were the company to sell my information without consent. You can ask for a subpoena to deliver my PII but, it's not required and not legal. I have made multiple requests for proof and you have failed to provide any legitimate proof on this account. Your employees used breached information to open this account. Why did the company you sold my PII to, changing the address on my credit report.
Consumer complaint received 2023-05-13
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. (TX)

I do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute
Consumer complaint received 2023-05-13
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. (TX)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} BANK XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Hello, On XX/XX/XXXX, I received notification that payments were sent from my Venmo and XXXX and that my bank account had been hacked, I was out of town in XXXX NE. I went to a local branch and froze and canceled my account. When I arrived home, I went to my branch and kept my bank frozen as they are trying to use my funds. My bank was able to cancel the XXXX, I reached out to Venmo as they did 4 transanctions under " dummy transactions '' and I immediately disputed the claims via Venmo. I contacted Venmo daily regarding the status. On XX/XX/XXXX I received an email from Venmo that they have funded these transactions, I immeditely called as to WHY would they release funds when these transactions are clearly in dispute and I did NOT authorize such. I told them my entire banking was hacked and never did they ask for anything. On XX/XX/XXXX XXXX I received and email that my claim was denied and that I owe them {$1800.00}. I told the agent when they released the funds, that I did not authorize these transactions, they are NOT mine and I am not paying for these. I want this to be investigated as clearly Venmo can see these disputes and also labeled dummy transanctions.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX failed to cancel my service and continued billing. I was a XXXX  XXXX customer for nearly 10 years prior to acquisition by XXXX XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I contacted XXXX and made a request to cancel services. I was instructed to write a letter of cancelation with the corresponding address provided. I follo1wed the instruction provided and expected the service to be cancelled. In XX/XX/XXXX, due to a divorce, I left the address of service with the knowledge the alarm monitoring service was cancelled. On XX/XX/XXXX, my credit monitoring service alerted of a collection for {$390.00} by Zion Debt Holdings, LLC who apparently purchased the so-called debt from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I attempted to rectify the erroneous collection of debt, but I was told it was a penny to a dollar debt purchase made from XXXX. I called XXXX to explain how I ended up with a debt for services I stop using since late XXXX. Zion Debt Holings, LLC provided a contract transferred to XXXX with my bank information ( which is still the same ) where XXXX XXXX used to do their automatic billing. XXXX never made any attempts to make an automatic payment on my bank account, or I have ever received a debt collection notice by XXXX by mail or reported on my credit report. Zion Debt Holind is now pressuring me to provide a copy of cancellation letter sent to XXXX knowing the possibility of not having was in their favor. XXXX appears to have a history of complaints for the same issue.
Consumer complaint received 2022-11-14
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. (PA)

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX, and they have all been removed. Transunion and XXXX continue to play these games saying its been verified, or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and XXXX asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 

XXXX XXXX XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me or remove it! 

XXXX XXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 

XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 

XXXXXXXX XXXX XXXX XXXX XXXX This account shows inaccurate Transunion shows the account closed XXXX  and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 

XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 

XXXX XXXX XXXX # XXXX This account is missing payment information and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Consumer complaint received 2022-11-05
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. (MD)

After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/2023 a phone call to me was made by a scammer posing as a capital one employee stating my account was attacked. They were in my account already telling me about charges that were made. They were able to do a wire to a fake, made up person and capital one did the wire over the phone. The amount of the wire was {$20000.00} dollars sent to a XXXX XXXX at a XXXX  XXXX. THEY TOLD CAPITAL ONE THAT IT WAS TO MY BROTHER. I DO NOT HAVE A BROTHER. This info I got from capital one bank.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have XXXX XXXX Security Freeze that has been in place since XX/XX/XXXX. There have been two fraudulent bank accounts opened with my identity through Bank Of America, first on XX/XX/XXXX, and now again on XX/XX/XXXX. Bank of America has closed both accounts, but since I have everything frozen and can't seem to prevent it, I can't rule out this being fraud committed by Bank of America.