davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of XXXX, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization.

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law.

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of XXXX, and other applicable statutes.

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.
Consumer complaint received 2023-03-02
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. (FL)

I sent a letter on XXXX XXXX XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX : {$14000.00} XXXX XXXX* Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX Balance XXXX {$12000.00}
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX FCU XXXX Account # : XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for ONEMAIN to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

ONEMAIN - XXXX Last 4 digit SSN - XXXX
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (SC)

XX/XX/XXXX. I took out a loan to go to XXXX XXXX  to study XXXX, but I didn't finish the degree program. 

As of XX/XX/XXXX, I owe {$7700.00} for the classes I took at XXXX XXXX. 

For over a decade I've been paying on this loan, therefore, it should have been paid in full. 

I am disputing {$7700.00} because I didn't finish the XXXX  degree program.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

I booked a hotel reservation on XX/XX/XXXX XXXX over the phone with reservationstays.com and what I thought was the direct hotel line for the XXXX XXXX XXXX in XXXX XXXX MI. The person named XXXX who helped with booking the reservation said that she was going to provide a discount for the reservation and it will be {$120.00} for the booking but instead they charged my Discover credit card {$240.00}. I gave her my credit card number and then received a email with a receipt confirmation with no total amount. I will attach that receipt to this letter.
Consumer complaint received 2023-03-01
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (NV)

Following the lead of a man I met on XXXX dating site I invested money in XXXX. Wiring more and more money from XXXX XXXX to XXXX XXXX I was showing profits on XXXX XXXXt . When I tried to withdraw my funds for the real estate deal they were intended, XXXX froze my account. They having extorted me for hundreds of thousands of dollars in " bank security deposit '' fees and refuse to release the {$400000.00} in my account. I am convinced I have sent my money to a fraudulent " XXXX ''. I have defaulted on the real estate deal and am in jeopardy of losing another {$50000.00} because of that. I am broke and physically ill. Please help me.
Consumer complaint received 2023-03-01
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (NY)

In accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plant as late for any purpose.
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (IA)

Wakefield and associates is trying to collect on a debt in which I don't owe they're trying to collect on three medical bills one with XXXX XXXX and the other with XXXX XXXX.I had XXXX and it was extreme, I was in the ICU on XXXX XXXX XXXX XXXX and had XXXX XXXXXXXX XXXX XXXX XXXX. I literally had to call and say XXXX XXXX XXXX XXXX, XXXX XXXX XXXX but was out of work for 7 months I had insurance when I was in the hospital for what XXXX  is trying to bill me for. XXXX never sent me one single Bill until I was out of the hospital for over a year that was the first I heard of it. Within only 2 weeks of receiving the letter in the mail they had already sold my debt off to Wakefield and associates, Wakefield and associates already had a debt of mind from XXXX XXXX which I do not refute. My problem is with the debt 's that they're trying to collect from XXXX. Not only at the time was the cares act in place but I had insurance, myself and my wife both told XXXX to Bill our insurance company, my insurance company covered tens of thousands of dollars in my bills while I was in the ICU, these bills are no different they are from XXXX and should have been billed to my insurance why they were billed to me and brought to my attention so late I have no idea, but I do not owe these. aWakefield and associates is just harassing me for a debt in which I don't owe, it's bad enough I had XXXX XXXX XXXX XXXX I was off work for 7 months, and I'm still sick and in and out of the doctor 's office and the hospital because of effects that XXXX has caused to my XXXX, please hold Wakefield associates accountable and make them stop harassing me and delete my debt for XXXX XXXX I do not owe it.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Reference : XXXX I am writing to express my extreme dissatisfaction with the ongoing delay in resolving my Bank of America ACH fraud claim ( XXXX ) for {$1200.00}, which I initially filed with CFPB on XX/XX/XXXX. Despite multiple follow-ups and assurances, my claim remains unresolved, causing significant financial hardship and frustration. 

On XX/XX/XXXX, I discovered unauthorized ACH activity on my account that was posted on XX/XX/XXXX. Immediately, on XX/XX/XXXX, I reported the fraudulent activity and filed a claim. I have resubmitted the claim multiple times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from XXXX from B of A Fraud Executive Escalations Team, who called to follow up on my claim with the Consumer Protection Bureau. She reopened my claim and assured the appropriate procedures were being followed. However, no progress has been made. 

Bank of America cites needing cooperation from the other bank for claims exceeding 60 days, but this ignores my documented efforts to report the fraud promptly. 

On top of everything, I received a direct deposit from a client on XX/XX/XXXX. However, due to the negative balance caused by the unresolved fraudulent ACH activity, only a portion of the deposit was credited to my account. I only received {$660.00}, leaving me with {$800.00} of my hard-earned funds inaccessible!!! I am deeply frustrated and financially impacted by this ongoing delay.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

I opened a new Citibank Accelerate Saving account back in XX/XX/XXXX and XXXX  successfully deposited different amounts from my different checking accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and each month from the date of opening I transferred some money I put in the side from my paycheck. Everything was fine. I deposited a total of XXXX $ till XX/XX/XXXX. I made some transactions. i transferred money XXXX $ and XXXX $ and XXXX $ from Citibank to my XXXX XXXX XXXXXXXX Citi bank called me to confirm the transaction i told them it was me and after that i transferred XXXX $ from XXXX XXXX XXXXXXXX to citibank and XXXX XXXX $ from XXXX XXXX to citibank and XXXX from XXXXXXXX XXXX to citibank in the next two day in XX/XX/XXXX i try to login to Citibank account i saw my saving accounts was block deleted they block my account without let in me know in XX/XX/XXXX I received an email from Citibank that my account will be closed within 60 days.to 30 days The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get my money back, they said I will be receiving mail with a detailed statement and a check of the remaining balance, to let them know there's no fraud in my account. if they suspicious fraud they could contact me and confirm with me before they take any action my account and my money i should be concerned with that i contact Executive Response Unit and file complain, and they give me a case number. 
Citi Reference Number : XXXX my full name XXXX XXXX my fourth ss XXXX i send me all my bank statements. 
this is my account number XXXX
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was under the impression that my credit card was 18 months with 0 % APR. I check my accounts weekly and I saw that I had a {$200.00} interest charge on my Capital One account. I reached out to the company and they said no, you had 15 months And that ended in XXXX ( the interest was charged XX/XX/XXXX. I never received written communication with my exact terms and conditions with that specific promotion. I believe it is unfair to hold people to these lengthy promotions, and then slap them with 20+ percent APR all at once, youre going to create a huge financial crisis, as Im sure you know that the amount of credit card in the United States has exponentially increased. This practice should be looked into because I currently have multiple cards with similar promotions, and I dont believe any of them sent me a specific document outlining when I was going to be charged interest when this promotion was up, the only time its shown is in the advertisement. I believe this is something that should be implemented as these promotions are incredibly popular and promoted all over the Internet, and with a few clicks, you can get accepted on a credit card.
Consumer complaint received 2024-03-20
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ; XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-03-01
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. (LA)

Equifax XXXX and XXXX are reporting late payments from aafes on my credit report US code 1681a-1 forbids anyone reporting anything personal to a transaction in a report
Consumer complaint received 2023-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: South Mississippi Collection Services Inc. (TX)

I've tried to fix the problem through the company that is trying to collect the debt. I live in XXXX, Texas I do not live in Mississippi, this debt date that was opened is : XX/XX/2019. I've lived in Texas for 5 years. This is wrongful reporting.
Consumer complaint received 2024-02-21
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: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I saw over 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX  dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I am writing to dispute the following information on my credit report. The items I dispute are also encircled on the attached copy of the report from your bureau. 

This item ( a hard Inquiry from SYNCB/WALGREENS ) is wrong because I never made this transaction. I am requesting that this item be deleted. Please investigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (IL)

I got scammed by a fake " merchant '' on PayPal for the amount of {$93.00} on transaction ID : XXXX on the fake website : XXXX XXXX XXXX. A website that is impersonating XXXXXXXX XXXX XXXXXXXX. I must not have noticed the website redirect. 

I immediately contacted XXXX and PayPal pre-authorization and pre-payment to report fraud and to have the transaction cancelled, but I was told I would have to wait until the payment when through before disputing. XXXX requested me to work with PayPal. PayPal assured me they have a process to handle fraud but this would come after payment processes and a dispute can subsequently be filed. 

Once the payment went through, I submitted a fraud dispute. PayPal did not even bother looking into the matter and instantly closed my case with no action within an hour. I am baffled, the merchant info is not legitimate and evident my the name and email : " XXXX '' and " XXXX ''. However, PayPal chose to side with the fraudulent " vendor ''. I also requested PayPal that the fraud vendor does not get my personal information but they could care less.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-11
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: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer USA did not furnish me with a form XXXX after the alleged debt of {$12000.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.