davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MA)

Hello so i went to open a account at Chase Bank on XX/XX/2001 and presentenced all required documents then was asked for my social security and told XXXX XXXX that i didn't have one and that it was not needed to open bank account so he went to confirm with manger XXXX XXXX about it and they both returned to say that they will not open bank account because my social security was not given
Consumer complaint received 2020-07-04
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Independence Capital Recovery, LLC (MI)

I took out a loan in XXXX  and i had a bad storm here in Michigan that fried my pc that had all my data for the bank and its name on the hard drive that was lost and I have been in a Finacial struggle since then. Yes i made poor choices prior to this and yes i learned the lesson but this debt collector only contacted me in XXXX and i told him to email me because i have no phone at the time until recently. Im trying to work with this guy but never asks once in a while if i can pay anything the only time he replied was for notice of collection and to let me know that the client was revoking payments and he messaged me End of XXXX or beginning in XXXX saying that payment is every XXXX of the month i was never told that since XXXX i was very un-prepared and has ruined my reputation with the client/bank with the debt i owe. Im not asking for this to go away but id like a debt collector that will communicate with me instead of only replying when they feel like it. I want to work with the bank and the debt collector has refused to release info of the bank so i can talk to the manager. Im at a loss of what to do right now ... Because there are multiple banks that are XXXX XXXX XXXX...
Consumer complaint received 2020-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AR)

I have sent a letter as a federally protected consumer opting out of any and all authorization I the consumer may have given written, verbal or non verbal per 15 usc 6802.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

You have committed a Trespass by way of Material Misrepresentation, Fraud, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a financial institution, and data furnisher who shared, disclosed, and transferred, my nonpublic personal information, personal identifying information, and identifying information to a nonaffilliated third party, and consumer reporting agency without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec. 521.002, and Texas Penal Code Sec. 32.51. You did not legally obtain consent to sale, transfer, or disclose any account information, or nonpublic personal information with any other third party, or nonaffilliated third party as regulated by 15 USC 6802 of the XXXX XXXX, GLBA. Additionally, you failed to provide me with FULL disclosure regarding your intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aqua Finance, Inc. (OR)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED XXXX XXXX. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

This complaint is in response to a RESURGENT XXXX  RECEIVABLES regarding violations that have been spotted. There are inaccuracies in my consumer report regarding this debt and there are violations that exists committed by this company that was brought forth to be addressed regarding their collection  attempts. This complaint is no longer about the alleged debt, but the violations themselves regarding the collection of the alleged debt. The debt collector intentionally neglected to acknowledge the initial complaint concerning FDCPA and FCRA violations. Debt collectors tend to ignore yet alone admit that they are in the wrong when they violate consumers because they know that they would be held liable to that consumer. This collection agency specifically continues to collect despite the documents I provided as proof of those violations. I refuse to pay this debt and I demand that they XXXX  and XXXX all collection activity because they are violating my federally protected rights. It is abusive and prohibited of collection agencies to ignore FDCPA and FCRA laws while attempting to collect from said consumer. This company is reporting incomplete information to the CRAs and it is damaging my character. 15 USC 1692d ( 1 ). Please stop now or I will seek for legal remedy regarding the behavioral aspects of RESURGENT XXXX  RECEIVABLES.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P. (FL)

This is a credit card debt with XXXX XXXX XXXX debt collection is from XXXX XXXX but was LVNV XXXX debt was in 2016 but I know it was earlier so there is a statue of limitations in Florida XXXX years and before the email they called me too so I do t want anymore emails or phone calls can you help. 





Thank you Ms XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and XXXX, as consumer reporting agencies, must heed this directive. 
I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws.

Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, XXXX, nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. 
The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting.

The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue.

Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. 
Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Consumer complaint received 2024-03-08
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (WI)

FirstMark Services will report to credit bureaus on past due accounts at ( 60 ) days on last day of the month- at XXXX hours ( I was not aware of deadline, and was under the impression I would have until XXXX hours to make a payment ) My payment was less than ( 3 ) hours late. 

I called Firstmark Services today, and spoke with many different people. They all said they were unable to help me, and there was nothing I could do. I searched the internet for help, and decided to reach out to XXXX for information/assistance. They were extremely helpful and worked with me via the phone to enter a formal dispute. They said it would be in my best interest to call back the creditor ( Firstmark Services ), to make them aware of my dispute, and ask for collaboration, as this was a genuine gap in communication and the payment was technically received on the deadline of XX/XX/XXXX. 

I called Firstmark Services back to make them aware of the situation and ask for collaboration, as these derogatory marks against my credit were significant.The supervisor essentially laughed at me during the call. He said they would not work with XXXX through the specific details of this situation to help me out. This has been a very discouraging situation, especially under our current student loan crises.
Consumer complaint received 2023-10-17
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: PNC Bank N.A. (NY)

XXXX conspired with several companies to unlawfully report inquires that wasn't authorized by me ; XXXX XXXX : XXXX XXXX PNC BANK : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX  XX/XX/XXXX approximately XXXX XXXX went to the XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX they have a citizens bank location which was closed. The XXXX machine I was try to make a cash deposit which I have done XXXX times. I put card in pin. Told me insert bills XXXX asked if I wanted receipt ( yes ) then screen said it was returning my deposit waiting waiting XXXX dollars waiting waiting NOTHING. Error message on screen done. I immediately called customer service they filed claim. I also called the branch at XXXX XXXX the next XXXX this is horrible as Im still waiting. Those machines have cameras they no my pin entered. I want my money returned
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (OH)

GM Financial leasing. XXXX XXXX. XXXX XXXX XXXX Texas XXXX Denied me vehicle credit from XXXX XXXX and XXXX / XXXX saying my credit score is XXXX when it's XXXX from my bank XXXX XXXX. Also I do not have Serious delinquency, public records collection field. Everything is paid up from over one year ago do to I had XXXX XXXX XXXX over two years ago at XXXX XXXX. My home and everything is paid for for over XXXX yrs!! I'm not in debt to anyone!! 

I know, know one cares. Also how can I have too many accounts with balances? I only have two credit cards! I've been leasing trucks from GM for XXXX yrs. I'm XXXX XXXX XXXX now with no transportation. I can pay the entire first years lease with no problem. I feel I've been age and color discriminated.
Consumer complaint received 2021-11-02
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 have contacted Equifax numerous times concerning Bankruptcy information on my consumer report and inquiries that i did not give written permission to be performed. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: DApps Platform, Inc. (FL)

The support team only sent me this : Hi, Thanks for contacting us and being a valued Trust Wallet user. 
We appreciate your patience, as we address an exceptionally large volume of requests which has contributed to longer response times. 

For most common issues, explanations and answers can be found in our online guides : Sending cryptocurrencies ( incl. network/gas fees, memos, etc. ) Missing funds Show/hide a coins and tokens on homescreen ( potentially relevant for inbound transactions not showing up ) Receiving crypto ( incl. whats my address? address invalid, etc. ) Transaction not received Lost phrase ( Restore a Multi-Coin Wallet ) Report Scams Liquidity Mining Scams Issues with crypto purchases Swap coins- Dex Guide UTXO / Dust Balance errors ( unable to send BTC ) guide Trust Wallet FAQs and Troubleshooter ( unsure, or other issues ) If you have further questions, please reply to this email with a detailed description of your issue including any relevant screenshots, addresses, transaction hash ( es ), etc. and our team will get back to you as soon as they can. 

I have sent numerous screenshots and proof of my stake and the never ending change of the UNSTAKE date. I staked these coins early XXXX.
Consumer complaint received 2024-03-08
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: JPMORGAN CHASE & CO. (FL)

I XXXX XXXX XXXX recently received a copy of my credit report and seen the illegally reporting which are unauthorized inquiries. The following inquiries listed are from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JPMCB CardXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the listed company 's to access or report any inaccurate information on my credit files. I am need assistance with removing the unauthorized inquiries from my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

American express has violated According to 15 USC 680 ( 2 ) ( B ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless A suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts has nothing to do with XXXX XXXX and XXXX XXXX which make them non affiliated which means I as the consumer must have 3 disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.