davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (GA)

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc. (CA)

On XXXX XXXX I received a text message from Sezzle indicating that an order was not approved because my account was maxed out. When I immediately logged into the Sezzle mobile app I looked in the orders section and discovered XXXX transactions from XXXX  that I had not placed. I immediately locked my Sezzle virtual card and reported the XXXX transactions as fraud to Sezzle. On Monday XX/XX/2022 I received an email from Sezzle stating that I had a refund in the amount of {$200.00} coming to me. On XX/XX/XXXX I also received XXXX additional orders XXXX in the amount of {$100.00} and the other order was for {$100.00} dollars again from XXXX. I would like Sezzle to give me case number for my fraud claim as well as a contact phone number so that my financial institutions can conduct their chargeback investigations. I was forced to utilize chargebacks for these orders as Sezzle not only collected the first payments for these transactions but also continued to try and collect the other XXXX payments for each of these transactions prior to finalizing their fraud investigation in total Sezzle attempted to collect {$1300.00} for the XXXX fraudulent transactions from XX/XX/XXXX and XX/XX/XXXX. I have tried numerous times to get information from XXXX and they would only tell me that the transactions appear to be made in person. I was at my home on XX/XX/XXXX with my wife and child and at work on XX/XX/XXXX, neither XXXX nor Sezzle want to provide a city or XXXX where the transactions occurred. At the time of the orders being placed I had my Sezzle card attached to my XXXX account, when I checked my in person and online purchase history the XXXX orders do not appear. I have reached out to XXXX to get copies of the receipts for the XXXX transactions that Sezzle shows sent to me and they have not produced copies of the receipts for the transactions that Sezzle shows. I have XXXX orders that were placed prior to XX/XX/XXXX that my financial institution has been informed to cancel the chargeback that they inadvertently processed for those orders. Please note this company refuses to provide any information on my fraud case that I initiated on XX/XX/XXXX. There are XXXX transactions for {$100.00} total, XXXX transaction for {$100.00}, and XXXX transaction for {$200.00} dollars all of the orders were placed within a XXXX minute span of time as far as I can tell with the confirmation emails sent by Sezzle for each transaction. This company XXXX also use the term friendly fraud which is not the case here My phone is always in my possession and no one except me and Sezzle staff have my virtual card number. It should also be noted I have not left the state of California in the past 90 days. I suspect that my case is easy to solve once Sezzle or XXXX produce receipts or the location of where the orders were placed.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I received a letter from Capital One stating that my account has been restricted, that I can no longer use my card, and it will be closed due to inactivity after XX/XX/2019. The letter noted a rewards balance that could be redeemed before XX/XX/2019. I had not received any prior notifications that it was being contemplated by Capital One that my account would be subject to closure for inactivity. If I had received a fair notification I could have taken action to locate my card and use my account as I did not wish for my account to be closed. 

I called Capital One on XX/XX/2019 after receiving the letter which was dated XX/XX/2019. I requested my account remain open as I have an excellent credit rating, had misplaced my card, and had not received any indication/notification from Capital One that my account could be closed in the near future due to inactivity. 

The representative I spoke with would only offer to redeem my rewards balance. I requested to speak to a supervisor. The call was transferred to a customer loyalty rep who subsequently hung up on me. Another call was placed and escalated to a Senior Account Supervisor who refused to un-restrict my account so that I could use it. The supervisor would not provide any assistance regarding my account despite being told that I don't believe that I received proper and fair notice and that the practice Capital One had in place was also unfair from a cardholder perspective. I am requesting that the CFPB look into Capital One 's practices in this regard including notifications provided, service quality by Capital One 's reps and supervisors, and why a card holder who is credit worthy should be handled and treated in the manner described. 

A few points to add, the supervisor refused to provide an address to which a complaint could be submitted to Capital One by me, instead simply advising me to find it on the website. In addition, the supervisor made it clear to me that Capital One would not escalate a cardholder call past a supervisor to a manager or above. 

Thank you for allowing me to contact you on this matter. It in vital to have representation for consumers and I appreciate the CFPB for protecting consumers.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (NJ)

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 - has violated my rights XXXX XXXX XXXX # XXXX - has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NJ)

I had unauthorized money withdrawn from my XXXX account to USBank confirmation # XXXX to pay off a XXXX XXXX. XXXX and USBank must have the information who these cards and accounts belong to and therefore they are the one who conducted the theft of XXXX out of my account as well as unauthorized payment to XXXX XXXX {$5700.00}. 
Neither XXXX XXXX nor XXXX will respond to my inquiries.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

Venmo ( synchrony bank ) card has closed my account numerous times with no cause. The first time, I had to go to lengths to find someone in their corporate office that was willing to fix the account and admitted to an error. A year later, I set up my normal payment and realized the account number had changed on my checking account. I called to cancel and they still sent the payment through. Today I was alerted the account is closed, again. I called and was told because of the first issue ( when the account opened ) and the current mistake it's closed again. Problem is, it's on their side of things. Not mine.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (CA)

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. 

Experian / XXXX / XXXX reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XX/XX/XXXX XXXX XXXX XXXX XXXX payments Education Loan/Opened XX/XX/XXXX XXXX  : late payments Education Loan/Opened XX/XX/XXXX XXXX XXXXXXXX : late payments Unsecured XXXX XX/XX/XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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. 

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year. 

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )
Consumer complaint received 2023-02-28
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-06-12
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. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (NV)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states A reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

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 2023-02-28
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)

XXXX XXXX XXXX XXXX is reporting inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are inconsistent late payments reporting for XXXX, XXXX and XXXX of XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. There also different last active and payment dates reporting for this account between each bureau. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments be deleted from my reports now!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : Hello I have XXXX accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX  is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS , FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX Im requesting for XXXX XXXX to be removed as well for reporting illegally according to the IRS.
Consumer complaint received 2019-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I had my loans permanently discharged because of my XXXX in XXXX. However, a parental loan I took out in XXXX for around XXXX is now being garnished from my mother social security check. She is also XXXX from a XXXX she had in XXXX. We have told them about TPD but they continue to garnish her SS check. We need help resolving this issue. They are refusing to correct the issue.
Consumer complaint received 2023-06-12
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. (IL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account 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 account : XXXX XXXX : Account number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.