davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NC)

I have contacted Barclay Bank regarding my credit card several times in an attempt to reach a settlement and pay the debt on the account. Everytime Ive called, no one has contacted me back nor updated the information regarding a response to my request. It is very difficult and disappointing because they havent made any effort to help me resolve my requests on this account.
Consumer complaint received 2023-05-29
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. (FL)

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, DEPT OF EDUCATION / XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (SD)

Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. 

Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of Citibank, NA.
Consumer complaint received 2017-05-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I mailed a Mu ltiple Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquires that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST  be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (CT)

I never opened up any accounts other than XXXX XXXX XXXX. I have been XXXX  for many years and was unable to open ANY account while I was in XXXX. XXXX XXXX is the only bank I have given permission to my personal information. 
I have NEVER opened or requested an account from XXXX or any other bank to give me a line of credit or insurance. 

Items on my current up-to-date credit report are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 's XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 

I want all these accounts validated and removed under 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am writing to file a formal complaint against USAA Bank regarding their unfair deposit hold practices, which I believe are designed to coercively force customers to enroll in direct deposit. I have experienced firsthand the unnecessary and burdensome deposit holds imposed by USAA Bank, which create inconvenience and financial hardship for customers who choose not to enroll in direct deposit. 

These holds have resulted in delayed access to funds, making it difficult to cover expenses and manage finances effectively. I believe that these deposit holds are a deliberate strategy employed by USAA Bank to pressure customers into enrolling in direct deposit, rather than offering a fair and transparent banking experience. 

While direct deposit is convenient, not all employers offer this service. Customers should not be penalized for this. 

As a consumer, I am deeply concerned about the impact of these unfair practices on myself and other customers who rely on USAA Bank for their banking needs. I believe that USAA Bank should be held accountable for their actions and be required to cease the use of deposit holds as a means to incentivize direct deposit enrollment.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (TX)

This is in reference to the company 's response to complaint XXXX. I notified you months ago that this account should not be reporting and you failed to remove the account. XXXX and XXXX removed the account so I am confused as to why you stated that the account was verified? Also the high balance you are reporting is incorrect. Remove the account XXXX XXXX XXXX from my credit report within 15 days.
Consumer complaint received 2023-05-29
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. (TX)

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 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 2023-05-29
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: Experian Information Solutions Inc. (NY)

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 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 2021-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I live in XXXX Tx, there were several charges that cleaned out both my checking claim # XXXX and claim # XXXX and savings account Claim # XXXX these transactions were made in New York at ATM terminals on XX/XX/21, the bank at first refunded the charges and now they reversed the funds and denied the claim leaving us with a debt, they claim that we need to prove that I was in XXXX at the time, while the complaint was made at the XXXX bank and the credit card was turned in at the bank my identity was also locally verified at the bank on the same day XX/XX/21 all of which is documented at the bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Also my boss printed out my payroll report showing that I had been working in the restaurant located at XXXX Texas not only on XX/XX/21 but also on XX/XX/21, XX/XX/21 were I have witnesses that would sing sworn statements that I was present and working on said dates but the bank refused it as proof of location.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-05-29
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (PA)

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 2024-02-25
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-05-29
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. (FL)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, BANK OF XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-07-17
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. (MD)

Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, I set up a personal fundraiser through PayPals Generosity Network. I requested to raise the maximum amount allowed of {$20000.00}. The fundraiser was set to be live for 30 days, through XX/XX/2021. I followed the guidelines precisely. Then I sent the link to my fundraiser to some family and friends.

In my fundraiser, I asked for help paying with for an extraordinary amount of XXXX XXXX XXXXXXXX I need to have but, for which, I do not have nearly enough money. 

Within a short period of time on XX/XX/XXXX, a friend donated {$500.00}. I was notified by PayPal. My friend also sent me an email to that effect. 

Almost immediately, PayPal placed limitations on my account, limitations which prevented me from accessing my money. They offered no explanation other than something was suspicious. I am guessing they could not believe a friend would give a friend {$500.00} to help her out. 

Over the next four days, I continued to receive emails regarding more information I needed to provide. I was able to provide most of the info, but not all of it because the website kept crashing when I tried. 

Over the course of this same time period, I spoke with at least seven different people, none of whom would tell me why the restrictions had been placed. They just kept telling me I had violated the user agreement. Plus, they kept referring to the goods I was selling. I WAS NOT SELLING ANYTHING. IT WAS A DONATION ACCOUNT INTO WHICH MY FRIENDS PUT MONEY TO HELP ME WITH DENTAL EXPENSES. 

Ultimately, on XX/XX/XXXX, i received an email telling me I was permanently banned from using PayPal and that they were holding my money for 180 days to investigate the suspicious transactions. They also insinuated that I was selling illegal merchandise. 

I then emailed the corporate headquarters and each of the three top executives. On XX/XX/XXXX, I received a phone call from someone saying he was from the corporate office. He promised to resolve things. Well, he did nothing but give me the same empty speech about my account being permanently blocked because they suspect fraud. No explanation regarding what fraud they believe I committed. No explanation about a personal fundraiser was somehow categorized as selling merchandise, merchandise they said was either not delivered or was illegal or both. 

I dont know what to do because I dont know what I did wrong. I have since found out that PayPal can hold peoples money for whatever reason they want, and they do not have to explain why. How can this be legal? Plus, how can they legally accuse me of wrongdoing but not tell me what the nature of that wrongdoing is. In the United States, people are supposed to be told what they are being accused of. 

I need to know what to do. Plus, I believe this practice PayPal so proudly waves in peoples faces needs to be investigated. I also question holding someones money when they have done nothing wrong. 

Can you help me?
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (IL)

My name is XXXX XXXX, I have been a victim of identity theft. I just received my credit report and I noticed unauthorized items that shouldn't be in my credit profile.
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection Service of  Athens  is reporting Unvalidated Debt to  XXXX  Credit Bureau. I have filed previous disputes with  XXXX  as they are the only credit bureau reporting this collection.   I have never received any written validation of debt or any correspondence from  Collection Service of Athens.    I have disputed this debt directly with  XXXX  but they alleged that they validated and updated the listing. The listing has been removed from all credit bureaus except  XXXX .   On  XXXX   XXXX ,   XXXX   I filed a   XXXX   XXXX   XXXX   Complaint that they have not responded to.