davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (FL)

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX ) XXXX  / XXXX  Date Opened : XXXX  XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-20
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 (NC)

I'm being charged a {$5.00} dollar fee every month for a credit card that I don't use. I'm not sure why this charge has been added to my account. I have been making this payment for sometime now and would like to have it removed from my card activity and reimbursed for the charges dating back to when it was added without my consent.
Consumer complaint received 2021-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (KY)

A company called MRS Associates called me without identifying themselves as a debt collector. I have no idea who they are and what alleged debt they are trying to collect. I don't owe them any alleged debt and their communication tactics are in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-06
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: JPMORGAN CHASE & CO. (IA)

In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX, JPMC Card Services. They are using my information to make fraud with my social security and affecting my credit. XXXX XXXX XXXX MY P.
Consumer complaint received 2021-11-20
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. (IN)

I recently obtained a copy of my credit report and was appalled at the information that was on my consumer report. I noticed that there are a few violations on my report. 

The first one I noticed is what was is supposed to be Excluded on my report according to federal law 15 U.S.C. 1681a specifically states that any approval of extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. 

I believe XXXX XXXX is in direct violation of this statue code. 

The second violation I found is under the Truth in Lending Act. 

15 U.S.C. 1666B ( a ) states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I believe XXXX XXXX is in Direct violation of this statue code. 

my character and reputation have been damaged due to XXXX XXXX furnishing this false and misleading information on my consumer report
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are in violation and it has been over 30 days for your investigation with no response. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.
Consumer complaint received 2021-11-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery calls me no less than XXXX  times a day and anywhere from XXXX. Some days it's XXXX, others it's more. 
Numbers show up as originating in various XXXX cities, including local areas. 
Regardless, this is harassment.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (TX)

I have been trying to access my assets with Crypto.com for over a month. I can see the total value of my assets, on their app, but when i click on the " wallet '' to sell or transfer them, it is blank. I have used their chat feature and their customer service email. I have reached out 7 times in the last 30 days. Each time they tell me that they are working on the problem and I never hear back from them. Each time I reach out to them, I have to go through a " verification '' process which is lengthy and ridiculous since I have already done it 3 times so they know that it is me. Plus I have access to my account on the app so there is no reason that I can't access my assets.

I need to access me crypto so that I can sell them to take care of some financial problems that I have. I have already lost out on selling at a higher price. The fact that I can't get the problem fixed so that I can get to me assets is very suspicious. Are they not solvent???
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-05-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Branch XXXX XXXX  XXXX has illegally frozen a business entity of mine bank account of mine ACCNT # XXXX. Money is being held without my consent and being leveraged to pay for a personal debt. I've gone into the brand to handle this and they are claiming a personal account is negative and I need to pay the balance for the personal debt and can not have the money from a business account. It's illegal to hijack my business account which is a completely separate entity. You can not freeze my business account and its assets bc of a negative balance in a personal account. My entire livelihood is in jeopardy and I can not pay for any bills or survive. If the bank wants money from me personally they may file a civil suite or place in collections. They can not do so against a completely different entity. Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. 

They have blocked me from seeing any transactions or even accessing my accounts or viewing anything because of a personal debt. 

I'm filing a lawsuit and filing with the FBI for bank fraud on this XXXX if the business account is not released. Any civil matter with me personally may be handled separately
Consumer complaint received 2021-11-20
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. (PA)

I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XX/XX/XXXX and never received any statement from XX/XX/XXXX of showing balance is due.With cXX/XX/XXXX I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you XXXX the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XX/XX/XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.
Consumer complaint received 2022-05-23
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX Balance : {$480.00}.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IN)

I have filed several disputes with XXXX XXXX and have not received a response to date. I received a collection notice from XXXX in attempt to collect a debt that is not owed. I filed a complaint with the Federal Trade Commission on XX/XX/19. The Company responded that they did not own the debt and that XXXX XXXX never responded them with verification of the debt. Again, to date I have not received any further response. On XX/XX/19 I received a new notice from Sequium Asset Solutions attempting to collect on this debt. I have notified the Company of my dispute. I have made many attempts to stop this collection activity. XXXX did not respond to my dispute as required under the FCRA. Please note that I was affected by the XXXX breach.
Consumer complaint received 2021-11-20
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. (SC)

I am sounding the alarm on XXXX, Experian, and XXXX! This is the case because XXXX continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against XXXX for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate XXXX and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against XXXX for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with XXXX to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to XXXX, but Experian JUST ADDED the fraudulent 30 days to my Experian report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (LA)

I reviewed my most recent credit report from all three CRA 's ( insert Credit NAme ) and I noticed inquiries that does not belong to me. After reaching out to the creditor I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditor agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-12-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX ; XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. IC SYSTEM INC 135204, has violated my rights. 15 U.S.C 1681 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 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-11-20
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: LEXISNEXIS (IL)

On XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX
Consumer complaint received 2021-11-20
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. (IL)

On XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX
Consumer complaint received 2021-11-20
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: EQUIFAX, INC. (SC)

I am sounding the alarm on Equifax, XXXX, and XXXX! This is the case because Equifax continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against Equifax for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate Equifax and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against Equifax for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with Equifax to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to Equifax, but XXXX JUST ADDED the fraudulent 30 days to my XXXX report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.