davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (OK)

I work for XXXX XXXX and I opened a XXXX XXXX XXXX account on Wednesday XX/XX/XXXX in order to receive my XXXX XXXX earnings faster with their instant pay option. On Friday XX/XX/XXXX, 2 days after signing up I began getting notifications about unauthorized transactions that were being made from my account. I contacted customer support and informed them of the transactions. They suggested I lock my card on their app, however since I had not yet received my card in the mail or activated the card on their app, I had no option to lock the card. I was told that they would lock the account for me while they investigated. Somehow, someone who I believe is associated with their app/company, got into my account and changed my phone number in order to get a hold of my virtual card number. They added it to their XXXX XXXX, and used it to make XXXX large purchases. I do not have any XXXX  Devices and do not have an XXXX  XXXX  account, nor have I ever, I only use Android devices. Saturday morning XX/XX/XXXX I noticed that XXXX more unauthorized transactions had gone through and again I contacted customer support. They cancelled the virtual card, which they should have done when I called the night before, and issued a new card. However the new card number was somehow " accidentally '' sent to the same XXXX XXXX account that has been stealing from me by the XXXX XXXX support team, facilitating more theft from my account. I would like to point out the fact that their app says that XXXX XXXX transactions are not protected, which is convenient for them if they are using XXXX XXXX to steal from their customers. My account has gone from a balance of {$500.00} to negative - {$190.00}, around {$700.00} total fraudulently used. I have contacted support several, several times and spent hours on the phone with them to get no help at all. They refuse to let me close the account even though I have specifically asked for the account to be closed multiple times. They have refused to transfer my call, repeatedly hung up on me, ended support chats abruptly, and basically refused to provide any real help or stop the unauthorized transactions from continuing. The fact that they won't assist in closing the account or stop the unauthorized transactions, raises concern that they are the ones behind the scam. Also the fact no one else could have accessed my info other than an employee, and that they know to use XXXX XXXX to try to avoid company liability is a big indicator that it is an inside job. 

Transactions XX/XX/XXXX - XXXX XXXX - {$260.00} XX/XX/XXXX - XXXX - {$210.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$8.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$3.00} XX/XX/XXXX - XXXX - {$9.00} XX/XX/XXXX - XXXX - {$210.00} ( somehow charged twice ) Total of unauthorized charges {$710.00}
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have opened a Secured Credit card credit limit {$300.00} dollars with Bank of America. I closed the account. however Bank of America shows the account charged off. I tried resolving this issue numerous times with bank of America and they have failed to attend to the issue. the have reported duplicate account one for {$160.00} dollars and one for {$160.00} dollars showing it as charged off. the question is this is secured account that means I have paid the {$300.00} dollars upfront and upon closing the account there should be nothing outstanding but bank of America think they can XXXX me because I am trying to rebuild my credit they think my resources are limited and I am not able to do anything about it. I want someone to explain one fact to me if this is in fact a secured credit card {$300.00} dollars collateral from my pocket what money do I owe them? and if I closed the account what fees duplicates slanding my credit for 5 years is crime that bank of america need to be fined and penalized under law. Bank of America is known to be a XXXX and a one of the most corrupted institutions in our country. I demand not only they remove their frivolous slanding accusations from my banking and credit report immediately as I demand that you would fine them for their reckless behavior
Consumer complaint received 2022-08-16
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. (IL)

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, Transunion, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.
Consumer complaint received 2022-08-16
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. (FL)

I have sent several FTC Identity theft reports to TRANSUNION yet as of todays date, the adverse accounts on the report are still currently reporting onto my consumer credit file. Whenever I speak to any agents at TRANSUNION they tell me that their " Internal polices '' prevent them from blocking information due to identity theft, which is noncompliant with 15 U.S.C. 1681c-2 ( a ). I have sent TRANSUNION everything that the law requires yet these accounts are still reporting onto my consumer credit file in violation of the Fair Credit Reporting Act. I have attached the required information to this complaint as well. It is frustrating already having to deal with matters of identity theft and the consumer reporting agencies such as TRANSUNION are supposed to have procedures in place to ease the burden consumers face when dealing with identity theft. I have decided to use this CFPB complaint to contact and provide all of the information required by the subsection so that I have a formal record of my attempt to handle this matter directly with TRANSUNION prior to any further required action. The law is very clear about what is needed in order to apply the block of reporting in regards to matters of identity theft. This adverse information is harming me tremendously and preventing me from moving forward in life, I am unable to get a house to live due to these adverse accounts damaging my credit file. These matters have severely harmed my general reputation and because I have never authorized the reporting of these adverse accounts my individual rights to privacy have also been violated. Please ensure that TRANSUNION follows the law and Blocks the reporting of the information that I have identified as resulting from identity theft. For the record these accounts have already been blocked from reporting by XXXX ( proof attached ).
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : JPMCD card- Account- # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

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.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. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.
Consumer complaint received 2022-11-30
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)

Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : 2013 Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), May 22, 2009, 123 Stat. 1742 ; Pub. L. 11193, 2, Nov. 6, 2009, 123 Stat. 2998. )
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Having no other option, due to my complaint about my credit union to this organization leading to their retaliating against me using the XXXXXXXX XXXX thus preventing me from obtaining a new checking account anywhere but Chime which has a XXXX limit on mobile deposit ( the check the employer provided was for XXXX ), I had to cash a check from my new employer with Charles Schwab with whom I have some checking accounts I have not accessed in years. I cash the check with XXXX 's mobile deposit, it goes through and I open a new account with an attached VISA card as the funds were intended to purchase equipment necessary to do the job itself. Now I can not access the account at all, the login says that access has been suspended and upon calling XXXX I was told they couldn't tell why access had been suspended. 

I have also filed a FINRA complaint, assuming you'll simply tell me to do that regardless and being on the cusp of homelessness and needing to start employment promptly, I would prefer the matter to be solved as promptly as possible.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (FL)

This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a federally protected consumer and conducted a consumer credit transaction with Capital one Auto finance and XXXX XXXXXXXX XXXXXXXX XXXX XXXX. 15 USC 1605 states The finance charge is the sum of all charges and I was charged illegal additional fees including a down payment
Consumer complaint received 2022-10-26
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. (FL)

I have submitted multiple disputes to Experian, regarding the XXXX XXXX  account listed on my credit report contain inaccurate information. The last dispute was submitted on XX/XX/XXXX. I will attach a copy of the letter with this complaint, in that dispute I advised that my Experian report upon auditing the creditor is reporting : 1. A status of 180 days past due, while on my XXXX they are reporting a status of 120 days past due. How can I be 180 days and 120 days past due? Why are they vastly different? I also advised that 2. The same creditor XXXX XXXX is also again reporting on my Experian report a balance of {$23000.00} while on my XXXX report shown below, they are reporting a balance of {$31000.00}. Why are they vastly different? 
I provide screenshots from both credit reports in my dispute letter. Today on XX/XX/XXXX I received notification from Experian that the account will " remain as the the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Per the FCRA not every credit report has to contain every account however if the account is reporting to more than one bureau then all information must be the same. Experian has once again disregard the plain black and white information provided that shows in plain site that the creditor is reporting different information to different bureaus. This is a violation of my FCRA rights. I also included in both letters that vehicle solution sold the vehicle since XXXX of XXXX and if my last payment was in XXXX of XXXX. How can the account still reflect a 180 days past due with Experian and 120 past due with XXXX. I will attach all information.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (VA)

I called both the third party and XXXX to handle this issue in the most respectful way and I did not receive the same respect in return. The company is saying I owe XXXX XXXX for policy cancellation and return payment back in 2018. My policy was cancelled twice because of proof of garaging that was not sent in the first time. I wasnt sure at the time what that meant or what happen so after that I started the policy back up and paid again to get it back for it to get cancelled because of the same thing to later find out the they meant proof of address. So now they tell me it was because of a payment return and that they still insured me but as I told the rep on the phone I have no knowledge of a return payment or anything and I told them it was still no reason to put it on my credit. The information they have on file for me was incorrect so I never received an email I only received mail that said cancellation due to proof of garaging. They would not listen to me or work with me in anyway so I decided to take the next step.I also asked for supporting documentation of anything they said to me on the phone and they would not provide and I was given attitude.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted IDS some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? do you think I will not call upon the fire of God to wipe you all out? Read this carefully. I pledged a prayer that anyone who is partaking in the crime against me for no weapon formed against me shall prosper, as I ask for every second you delayed and worked hard to burden my with slander and negative remarks the fire of God lite your body on XXXX that every breath you take you remember the people you hurt. while you are in the hospital while you are coughing blood may every one who you slander and burden their energy and karma comes back at you full speed to take over your lives, finances children and grand childern. I put a spell on you for not cooperating and slandering me. and if you go ahead and start doing your job and start removing these negative remark from my file then I ask the fire of God brings blessing upon you. Yeah you can make your own destiny! but you can't stop me from cursing you everyday and testify to the highest power and bring you in the highest court of courts. You see the queen of XXXX died! no one survive this and you will face the creator! and I am a witness and i will never cease until you fix my recoreds.
Consumer complaint received 2022-09-13
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. (MS)

No proper investigation has been performed by credit reporting agency nor legal documentation have been sent to consumer for review involving prior complaint on accounts listed on consumers report which violates consumers rights under 25 USC 1681. 15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions. No legal documentation have been sent to consumer to confirm that consumer gave written instructions to publish such information. 15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years. Consumers rights have been violated under this code.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.