davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (OR)

Two purchases were made on my chime credit builder account. I contacted the merchant they have no records of any transaction being made so I contacted chime bank to file a dispute. They said they can not even start the dispute till the charges have settled and are not pending, which could take up to seven days and then they can start the dispute and choose whether to give me my money back or wait until the dispute is settled, which could take up to 90 days the charges were made fraudulently, and they are not helping me out at all they just keep telling me to wait weeks so maybe in 90 days I can get the money back that was taken out of my account
Consumer complaint received 2022-04-07
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 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 a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (LA)

My name 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 2022-11-04
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: Experian Information Solutions Inc. (NY)

see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX  send updated report with it removed
Consumer complaint received 2022-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

Marcus by Goldman Sachs, wouldn't issue a charge back to ACH transactions that were initiated based on fraudulent marketing tactics by XXXX. 
Marcus denied my case as soon as I submitted the ACH dispute. They repeatedly told me many times that they don't need any documentation to investigate my claim! I had to put in the claim about 4 times, and called multiple times to ask them to actually investigate the dispute properly! I finally was able to get them not to deny the dispute before I send my documentation in. I sent Marcus a lot of documentation involving the deceptive techniques used by XXXX, along with all the complaints I submitted to multiple government agencies. Even then, it still didn't matter and the dispute was denied. I called in to ask for my legal right to receive a copy of the documents that they based their decision on. I received a call telling me that there is no documentation to share and that the decision was made internally and involved their legal counsel! I had to negotiate my legal right with them over the phone, and then received a denial letter again stating that the ACH was authorized, hence they won't help me! 
When I mentioned the Electronic Fund Transfer Act ( EFTA ) and Regulation E, Marcus reps told me that it does not apply to my situation. After reviewing your website under Q1 of the Error Resolution : Unauthorized EFTs, titled What is an unauthorized ETF, I find that my dispute should be covered by Comment 2 ( m ) -3 ; specifically, " This exclusion does not apply to transfers initiated by a person who obtained a consumers access device through fraud or robbery ''
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The edd unemployment paid me {$8000.00} on a bank of America pre paid card..i received the card and was able to get only {$1500.00} off my pre paid card as i went to XXXX for XXXX months and when i got out my card was " closed '' this was sopposedly due to I'd verification..so i called the edd unemployment and submitted my documents proving who i am numerous times and went thru I'd me also. I received a w-2 1099 form for the {$8000.00} and had to even claim it on my taxes even though the boa has my money still even after proving whom i am. They just keep giving me the runaround about that the edd has to tell them to open my card or give me my money from claims dept. The edd says they can't freeze a debit card with boa and they aren't the bank. I was paid this money. Because i was qualified for unemployment and only need to prove who i am. I gave my state I'd i gave birth certificate my phone bill..i even passed I'd me with it's as i got my stimulus immediately after i went through I'd me.whom edd also uses to verify identity. They tell me they have nothing to do with idme which is a lie. It's been over a year fighting for my money that i desperately need. If i paid taxes and to have the documents from edd bring paid and received a 1099 income tax stub that i had to claim on my. Taxes why don't i have the money? Why should i have to pay tax on money i never got? And they will not give me my money. 
Edd told me that they could never ever take that money back from me..as i did not do any fraud. It was only I'd verify and o complete numerous times. They have to by law give me my money. Why can't i go into a boa bank in peon and show my I'd and get my money? Why do i have to wait when it's legally my money i paid taxes on? Should i call the police? They have caused me such hardship they are stealing from peopleXXXX had a XXXX logo on the card.dont onhabebprotectin from visa about them? Most states do not any longer use boa as the bank to pay the people because of their theicery fraud activity. They use a way XXXX. Thru another bank. Please help me i have all documentation you need. God. Bless please hurry. 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 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 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
Consumer complaint received 2022-07-02
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. (OK)

I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OKLAHOMA XXXX XXXX, XXXX.
Consumer complaint received 2022-07-02
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. (OK)

I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OKLAHOMA XXXX XXXXXXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NE)

on XX/XX/year> I wrote to XXXX, XXXX XXXX, Core Logic/Credco XXXX XXXX, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ  state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX XXXX bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( XXXX ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the XXXX Bankruptcy XXXX wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my XXXX XXXX bill??? 
XXXX has not responded at all.????? 

XXXX sent a response of who furnished the information to them who is not a creditor, the bankruptcy has not been removed from my credit report they did send an updated report to show who furnished the information to them. 
CORE LOGIC /Credco sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year> XXXX did send me a list of creditors that are in good standing on my report however it does not show if the bankruptcy was removed as requested
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (SC)

I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 

According to federal law 15 6802 no financial institution can not sell a consumers information to a third party agency.

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report.

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 

According to federal law 1

5 6802 no financial institution can not sell a consumers information to a third party agency.

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report.

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Credit - Credit Repair Centers (CA)

This business is a scam ( the owner is XXXX XXXX ). They sent me a written contract asking for an upfront payment of {$590.00} to dispute a few inquiries. Charging upfront fees is against federal and state laws. Also, the contract states : American Credit is a non-profit corporation organized under the laws of the state of California, having duly filed an application with the Internal Revenue Service, operating as a tax exempt organization, pursuant to Section 501 ( c ) ( 3 ) of the Internal Revenue Code. 

This is false. The IRS website has a Tax Exempt Organization Search Tool You can check an organization 's : Eligibility to receive tax-deductible charitable contributions Review information about the organization 's tax-exempt status and filings. 

The IRS has no record of this company as a nonprofit. A private foundation can not be tax exempt. Certain credit repair practices are illegal. I seek to hold this company accountable for violating consumer protection laws. 

This company doesnt have a surety bond and did not register with thXXXX XXXX XXXX as required by state law. 

The written contract they sent me does not mention the name and address of their business bond as required by state law ( Credit Services Act of 1984 ) This is a criminal misdemeanor. 

Their written contract instructed me not to communicate with the nationwide consumer reporting agencies. 

Their written contract also mentions a non-refundable fee which may be against both federal and state laws.
Consumer complaint received 2022-07-02
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)

Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX  XXXX auto finance when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX  should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXXXXXX XXXX  dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX viXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX was updated as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXX  Account ID : XXXX Confirmation Number : XXXX
Consumer complaint received 2022-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Discover for engaging in abusive, deceptive, and unfair practices. Discover has failed to clarify a billing error that has been placed on my consumer report. Discover has placed late payments on my consumer report without my shared consent and my lawful authority. Furnishing these payments to my consumer report without my consent is considered an attempt to abuse. Discover has reported negative information that is not required by law to report which has led to disclosing my nonpublic information that has brought a great deal of sustainable harm and inconvenience to me. I have not been provided with any proper documentary evidence that clarifies why this billing error was made in the first place. Whenever I received a billing statement from them, which was not considered the proper documentary evidence as requested, they still continued to collect on the account instead of stopping until the billing error was corrected. Because disclosure is required and Discover has failed to provide me with all the requirements that are included in the disclosure, I am aware that the documents they were sent are considered fraud. As a financial institution, nothing requires them to furnish my information- yet they did. I am requesting Discover send me the proper disclosures to prove that my claim isn't true, or remove these late payments from my consumer report. It is Discover 's grave responsibility to report 100 % accuracy. I am aware of the wrongful doings that have transpired and because of this- Discover has clearly violated the law. Discover has continued to extort me by inducing wrongful use of my financial reputation and their attempt to abuse. Because of this- Discover can easily be tied into a racketeering case resulting in 20 years of imprisonment.
Consumer complaint received 2022-07-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Experian, during the past year, has been the only Credit Reporting Agency, that has accepted XXXX XXXX 's negative reports that XXXX XXXX has submitted since XXXX XX/XX/XXXX in retaliation for my having sought legal assistance against XXXX XXXX fraudulent means of getting me to buy their timeshares. 
Experian has disregarded all the facts that I have provided to them that proves that the reports that XXXX XXXX submitted to them are FALSE or INACCURATE. 
They have concluded all their responses to my disputes by saying the following : " We contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported I believe that they, Experian, must have some sort of arrangement with XXXX XXXX for the purpose of continuing to damage my credit record. I say this, because on XXXX XX/XX/XXXX. Experian reduced my credit score by seven ( 7 ) points when XXXX of my credit cards at XXXX XXXX XXXX billed {$95.00} in annual fees. Experian stated that they were reducing my credit score because I had significantly increased my indebtedness, which was XXXX ( XXXX ), meaning that I did not owe a XXXX to anyone, before XXXX XXXX XXXXXXXX billed me the {$95.00} annual fee. THIS IS THE MOST OUTREGEOUS credit reporting offense that I have seen in my entire life. 
In the attached report, I will show that Experian allowed XXXX XXXX damage my credit record by accepting the following FALSE or INACCURATE reports : o On XXXX XXXX, XXXX XXXX reported that I had three outstanding Loan Accounts with them, instead of two. 
o On XXXX XX/XX/XXXX, XXXX XXXX reported that I was XXXX on Account # XXXX, instead of the actual date, XXXX XX/XX/XXXX, that I was XXXX delinquent on my account o On XXXX XX/XX/XXXX, XXXX XXXX reported the FALSE Payment History of my account # XXXX, that I had paid their installments until XX/XX/XXXX, instead of XX/XX/XXXX XXXX