davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX XXXX  bankruptcy on my credit reports with all three major credit bureaus- XXXX, XXXX, and TransUnion. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (GA)

I sold my home and closed on XX/XX/XXXX. At the closing the attorney had us fill out a closing packet with my new address to Truist ( the bank that the mortgage was through ) so that they would have the address to send the remaining escrow amount check to. On XX/XX/XXXX, I received a call from XXXX  XXXX XXXX fraud department saying that someone was attempting to deposit said escrow check into their account but could not produce proper identification. I told them it was absolutely not me and they said they would not allow it to be deposited and told me to call Truist to have them place a stop payment on the check and send me a new one. I immediately called Truist and found out that they had sent the escrow check to the old house that was sold. They said they could tell the check had not been cashed yet and they placed a stop payment on the check and would issue a new check and confirmed the correct address. On XX/XX/XXXX I received a letter from Truist with a copy of the cashed check that they were supposed to place a stop payment on. Who ever stole the check forged my name and even with me calling and telling them to stop payment, it was allowed to be cashed any way. I have opened an investigation with the police in the county the check was sent to. I called Truist back on XX/XX/XXXX to ask why I received the copy of the check rather than the check for {$3000.00} that they were supposed to reissue me. They said that they could not reissue the check because it had already been cashed. I told them that the check was not sent to me and they were supposed to place the stop payment and I was told that I would get a new check. I filed a complaint with Truist that day and asked for a clearer copy of the check to give the investigator for their research purposes. I called once again to Truist and asked if they could reissue my escrow check because it was not my fault that they sent it to the wrong address and my check was stolen rather than the one provided in the closing packet the received. I have tried multiple times to resolve this with the bank but they are still telling me that they will not reissue my escrow check.
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

I get a bill statement for {$10000.00} from XXXX XXXX for a purchase on XXXX XXXX and I credit limit request that I did not make. Someone use my name and credit to make this purchase.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX without my knowledge or authorization. 

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website. 

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. 
Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

This collection agency Jefferson Capital LLC said I owed a XXXX  XXXX  and can not prove I was even a customer. They just attached a bill to my name without any proof. I asked them repeatedly to prove I was there and they could not. I want to report them for their tactics that are illegally and false. they also said my account was opened in XXXX when XXXX went under in XXXX. This is a huge fraud case. Buying old debt and reporting this as new debt is not legal. I closed my XXXX  account XXXX  in XXXX! Please help
Consumer complaint received 2024-02-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AP)

I have 2 American Express prepaid cards that I have tried to use at approximately 20 stores over the last week. When I call American Express, I am told that the cards are valid, have a balance, and that the issue is with the stores ; however, after many attempts to use the cards, including at websites listed by AmEx as ones that accept gift cards, I have come to the conclusion that the issue is with the Amex gift cards. It is incredibly frustrating and at this point has remember up many hours of my time.The company called me in the middle of the night and left a message twice saying they needed the card number, but never answered when I called back to give the number.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

To whom ever it may concern. My identity was compromised, my accounts were compromised and some one opened several accounts using my identity. I explained this to both affirm and XXXX. Instead of being treated like a victim Ive been treated like a crook. Ive taken the proper steps to alert all credit bureaus, Ive placed fraud alerts on my report and I have attempted to resolve this with the credit bureaus and the company please delete the following 3 affirm accounts off my credit report as it is a result from fraud
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank mailed me a letter on XX/XX/2023. In the letter, they indicated they have decided to close my accounts. That includes all checking, savings, and credit cards. I called the phone number listed in the letter. The representative told me they can not disclose the reason for closing my accounts. Additionally, my wife 's account, which had me listed as a joint account holder, was also closed. When she called the phone number listed on her letter, she received the same response, that they can not disclose the reason. Our accounts were officially closed on XX/XX/2023. I would like to find out the reason.
Consumer complaint received 2024-02-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

I received several emails and texts from this debt collector, Credit Business Services, but was not contacted in any way beforehand by my previous landlord. After consulting legal counsel, I called them to trying to get verification of this debt. They sent me a lease and bill with pictures attached, and most charges were for a cleaning fee. While we did leave the place a mess, it wasn't {$10000.00} worth. We couldn't afford to sue and were told we had as much chance of losing as we did winning, so no further action was taken. We had to leave quickly and couldn't afford to move and pay the last month 's rent, which was about {$1000.00}. We have not paid any of the balance because we don't want to give that place anymore of our money, considering how disgusting their apartments were and still likely are..
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

I received a text from credit bureau that some one is reporting a negative account some collection agency I have not open any account in XX/XX/23 with this company! I believe this is an account thats included in my bankruptcy that is trying to still collect which is called quick bate! They wont show pride of this debt I want this to be removed and deleted from my report and stop harassing me I have not open anything after my bankruptcy and not paid 1. Name and contact information 2. Proof of your authorization to collect this debt 3. Copy of agreements and contracts 4. Please stop harassing under code 15UDC 1666b 5. This account and any negative account was included in my bankruptcy
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was scam, someone hacked my XXXX and started making charges twice I change my account, been with bank for over XXXX yrs and never spent that much money. Bank was BB & T and now its Truist. Pls help to get my money back
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: StellarFinance, Inc. (FL)

Subject : Formal Complaint Against StellarFinance Inc. for Violating Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against StellarFinance Inc. for flagrant violations of my consumer rights. The company has been unlawfully reporting my transaction history, which contravenes pertinent consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), it is expressly illegal for financial institutions like StellarFinance Inc. to report transaction histories without explicit consent. Yet, despite this legal framework, the company persists in breaching my privacy rights.

Furthermore, I demand immediate action to rectify the inaccuracies in my account status. StellarFinance Inc. must update my account to reflect the accurate status of " paid as agreed '' in accordance with the terms of our agreement.

Additionally, I request an end to the unauthorized disclosure of my utilization, as this practice also violates consumer protection statutes. Disclosure of such information without consent is not only unethical but also illegal under the FCRA.

I urge the Consumer Financial Protection Bureau to investigate these grievances promptly and take appropriate enforcement actions against StellarFinance Inc. to ensure compliance with federal consumer protection laws.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (SC)

THIS IS NOT A DUPLICATE. On XX/XX/2024, Enterprise XXXX XXXX and their assignee received a written request for accounting ; request regarding list of collateral or statement of account in accordance with UCC section 9-210 delivered by certified mail return receipt. Pursuant to UCC section 9-210 ( b ) Enterprise XXXX XXXX and their assignee has breach their duty by failing to respond within 14 days of receiving said notice. Pursuant to UCC section 9-625 both Enterprise and their assignee failed to comply with my request which grants remedy due to me. From a maxim of equity perspective, the principle of equity aids the vigilant, not those who slumber on their rights and equity delights in equality I have just rights to fairness and justice.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-17
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (ID)

on XX/XX/year> I paid my Sephora Account for the value of {$630.00} and that will completely get my balance to {$0.00} I have proof that my balance was that. I called on XX/XX/year> to Sephora to ask them to close my account and asked them to send me an official letter to confirm that my account was closed. Now I have a statement that I owe {$8.00}. So they did not close my account and they are charging me interest on top of that. That was the entire point of closing the account.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Subject : Complaint Against LVNV FUNDING LLC for Violation of Consumer Rights and Incorrect Account Status Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. 

On [ Insert Date ], I noticed that LVNV FUNDING LLC has reported the aforementioned account on my credit report, indicating that it is not in accordance with my understanding of the terms of our agreement. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. 

I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that LVNV FUNDING LLC promptly rectify this misrepresentation and update the account status to " PAID AS AGREED, '' as it accurately reflects the terms of our agreement. 

Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of LVNV FUNDING LLC have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that LVNV FUNDING LLC complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold LVNV FUNDING LLC accountable for any violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC (GA)

These companies are in clear violation of my consumer rights, XXXX and federal laws and continue to deprive me of my right to freedom for reporting inaccurate information. I did not give any written or verbal consent for these companies to have access to my personal data they are selling publicly and privately. I demand for the CFPB to do it's job and hold these companies accountable. This is clear violation of the privacy act of 1974, deceptive practices and also constitutes as identity theft.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have received an email from TransUnion. I logged in to the site, which I did not remember when I opened, compared to XXXX with wonder what kind of dispute I made to TransUnion, since I had bunch of complaints to XXXX and XXXX. Therefore, I submit this suspicious email to your federal organization. I have checked this TranUnion has activated the fraud alert and extended alert. So far, online, they were activated. I hope there would be more service of security for the safety of identity, because of the numberless experiences of complaints and questions how these credit report companies consider the users ' securities.