davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IN)

Hi, I have tried getting a credit card for Chase credit card through XXXX XXXX on XX/XX/2022. I have XXXX credit scores and XXXX digit income but still I was denied and was not give any answer why. I tried reaching out to them but they didnt know the reason. Due to good credit score and good income, I shouldnt be declined when they are approving other consumers with similar information. They neither want to remove the inquiry from my credit card and nor want to approve it. I need help in this matter please. 

Thanks!
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

Im XX/XX/2022, I was notified by my mortgage company that there was a data breach and my personal information was stolen. I then got a credit alert that there was a derogatory account on my credit. This account was for the XXXX XXXX XXXX located in XXXX, Virginia which was delinquent by {$350.00}. Another account was then opened at XXXX totaling {$2500.00}. At this time, I froze my social security number with all three major credit bureaus and filed a police report with an officer at the XXXX Police Department. I then sent over all the necessary documents ( I.e., proof of address, photograph ID, the police Reports, and affidavits ). Again, in XX/XX/2022, two more derogatory accounts appeared. The first is for Columbia Debt Recovery for a total of {$9000.00} and the second one is for XXXX for a total of {$1600.00}.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Consumer complaint received 2022-09-28
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: Global Lending Services LLC (IL)

In XX/XX/XXXX i submitted XXXX complaints to CFPB in response to numerous attempts of disputing unauthorized inquiries on my credit reports from XXXX XXXX and Global Lending dated XX/XX/XXXX. Both companies have failed to provide me with proofs showing that I authorized this inquiry. I had requested from the credit bureaus as well as the creditors documents showing that my signature, ssn and identification is verified on these unauthorized inquiries and either has failed to provide. In response to the complaint that was submitted in XXXX, Global lending responded that the inquiry will be removed from all credit bureaus within 15days well it has been months and the inquiry still remains on my credit report.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (OK)

On XX/XX/2022, I made a mobile deposit with my bank Wells Fargo like I have for the past 4 years only this time they decide to put a hold on my deposit until the XX/XX/2022. This has caused me more over-drafts and returned payments that I have had to pay extra fees on. I am also struggling to get to work and put food in my home for my children. Also note on top of this deposit I also receive a regular direct deposit every XXXX weeks of $ XXXX. I have called multiple times and they refuse to allow me to speak to a manager about removing the hold. They basically tell me there is nothing they can do but make me suffer and hold my money hostage.
Consumer complaint received 2022-09-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (AL)

I complained about Tower Loan XXXX and now it is XXXX and other worker. 
calling my husband three or more times a day harassing him at work My husband has had a XXXX and we have had XXXX XXXXXXXXXXXX XXXX we filed hardship with freedom debt these people will not listen get very demanding and threaten I called XXXX Police department on these people for harassing and threats
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX am a victim of identity theft. XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX. XXXX has fraudulent accounts on my profile that need to be removed immediately
Consumer complaint received 2022-09-14
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. (PA)

Based on. 
15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Velocity Portfolio Group (WA)

Do to being on SS XXXX I was unable to pay my credit card. I was contacted by a company offing me to settle for a smaller amount to get it out of collections. So I borrowed it from my daughter to help my credit. It is still on my credit on two of my credit reports. Ive talked to them and the credit report and they said they say {$0.00} but will be on there for 7 years. Thats not what she said to me over the phone. I dont think thats fair at all. Is there anything I can do. Thanks
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Have several inquiries I no nothing about 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 XXXXXX/XX/XXXX Which unverifiable on TransUnion Report
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY, LLC ( " Portfolio Recovery '' ) is in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character. 

1692f ( 1 ) prohibits a collection agency from making any attempts to collect on a debt unless expressed in the original agreement. The credit card agreement, statements, bill of sale and any testimony are general. The company does not possess any account-level documents that would identify me as the debtor. 

Portfolio Recovery is attempting to collect an alleged debt in the amount of {$570.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time. 

To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account # : XXXX. In the event that Portfolio Recovery does not have the documentary evidence I demand they immediately cease collection, zero out the account and delete the debt from my consumer report. Failure to comply may result in legal action.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

I used Zelle to send {$4700.00} to a potential XXXX. I sent the money in 3 separate transfers on the following dates : XX/XX/2022 | {$2000.00} XX/XX/2022 | {$1100.00} XX/XX/2022 | {$1500.00} The money was supposed to be used for moving in costs on a new potential home for myself and my family. The XXXX started asking for more personal information than what was necessary and, after I addressed the sensitive nature and my being uncomfortable with it, they stopped communicating with me. 

I immediately contacted the XXXX site, XXXX, and had the property listed as fraudulent. 

I contacted my bank, XXXX, first, but they said since I initiated the transfer for services that, they have no protection rights, and they have no recourse to assist with me getting my money back. They gave me the number to call Zelle.

When I called Zelle, the automated line stated that if we used Zelle through a banking app, that I should contact our bank for assistance and to hand up the call. 

Neither XXXX nor Zelle are willing to help me after I've been scammed of almost {$5000.00} I needed to help find a new home for my family. 

Please help.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

Received notice from American Coradius International LLC concerning a XXXX debt for {$2600.00}. 
XXXX. I have never had a XXXX credit card. 
XXXX. My account number is nowhere near the same account number they represent. 
XXXX. XXXX has my transaction records that show my expenses, and there have not been any fraudulent activities since 2001. 
XXXX. The letter describes " XXXX XXXX XXXX '' when the actual name of the business is " XXXX XXXX XXXX ''. 
XXXX. I have all three credit companies that I review at least once a week ; XXXX, XXXX, and XXXX. There is no fraudulent activities shown on any of them for the last 6 years. 
XXXX. I have my credit locked by all three companies. 

This is an attempt to obtain money when there is no evidence of inappropriate purchases or another credit issue.
Consumer complaint received 2022-09-14
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-14
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-14
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 XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Citizens Bank has adopted the highly questionable practice of creating what is labeled as an account statement, and looks like an account statement, except it shows an erroneous, altered account number. Not only has the bank deleted the complete and true account number from account statements, it will not or can not provide the account holder ( even when asked ) the same account statement showing the complete, true account number. 

All account statements must show the true account number.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I was told by the dealership that I had to put a down payment of {$10000.00} in order for the bank to fiance the XXXX. I call the people who fiance the contract and I was told by them that they dont require a down payment and that was the dealership doing. I was explaining to them the violation of TILA. 15 usc 1605 ( c ). I had to pay for insurance before I could get the vehicle. 15 U.S. Code 1635 - Right of rescission as to certain transactions.
Consumer complaint received 2022-09-14
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. (AL)

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # XXXX
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX Bank of America has frozen my account after numerous phone calls over the past two weeks to the bank and their fraud department no one can give me a legitimate answer as to why they are with holding my funds. They said deposit fraud but the only deposit made was for {$250.00} does not seem unreasonable or a reason to flag for fraud. I never received prior notice they had froze my account my automatic payments were declined and I now also owe for those payments being rejected due to a major error in the banks security systems within their own fraud department. There is no help, no answers given or explained, and I still do not have access to my funds. I have reviewed all transaction none of them give any reason to be flagged. I had received digital deposit from XXXX and XXXX XXXX  times before these transactions and in the year I have had this account this was never an issue. They lack communication with their consumers and are thieves at best. Their systems are flagging us for no legit/ legal reasons and we the consumers are suffering for it.
Consumer complaint received 2023-08-08
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2022-09-25
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: AMERICAN EXPRESS COMPANY (NJ)

THIS IS A FOLLOW UP ON CLOSED CASE # XXXX I AM OUTRAGED AND DEMANDING A REINVESTIGATION. 
American Express placed an invalid, unverified, fraudulent and illegal inquiry into my credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law. American Express is knowingly reporting false information to XXXX and XXXX. This inquiry is NOT MINE, nor was it authorized by me, and American Express has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the NJ Attorney Generals Office. I've asked for verification. They failed to supply verification. This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted American Express and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 
what American Express submitted do not constitute verification under the federal law or FCRA.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person. i also have a screenshot of a email sent from them saying they not gong to complete my dispute do to they think its a 3rd party or not me sending the letters.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Original balance - {$130.00} Account number - XXXX XXXX U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Consumer complaint received 2023-01-06
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. (PA)

Found that several of the accounts on my XXXX, Equifax and XXXX accounts were put on there without my consent. According to 15usc 1681b ( a ) 2 In accordance with the written instructions of the consumer to whom it relates and 15usc1681 ( a ) i report containing information solely as to transactions or experiences between the consumer and the person making the report. Affidavits have been sent to each reporting agency. Accounts that are in question are : account XXXX XXXX XXXX XXXX XXXX XXXX, CXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX