davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 XXXXXXXX As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-10-03
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. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX FXXXX 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  As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-10-03
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. (NE)

I am asking with humility to please remove the late payment on my credit report. Had it not been for XXXX, I would be in full satisfactory standing. I am asking for a goodwill request as I am suffering from this late payment. Please help by removing the late payment.
Consumer complaint received 2022-10-04
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. (CA)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (NY)

I leased a XXXX Mercedes Benz in XXXX. They presented me with the contract and we briefly went over it however they failed to inform me of the {$3000.00} XXXX fee. Going over the contract today XX/XX/XXXX I noticed the fee and googled it only to find nothing about a XXXX fee. I am not sure why Mercedes Benz would charge me that fee. That is predatory lending and scamming. They an unable to explain why I was charged an additional {$3000.00}. I feel its because I am XXXX and that was my first time leasing a car. I feel discriminated against and disappointed in Mercedes Benz.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 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 creditcard account under an open end consumer plan as late for any purpose.
Consumer complaint received 2022-10-04
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # 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 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.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit
Consumer complaint received 2022-10-04
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. (MO)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$9100.00}
Consumer complaint received 2022-10-03
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, US BKPT CT XXXX  XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP 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 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.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I woke up in XX/XX/XXXX to a text asking about charges and I replied no. I looked into my bank and I saw all the charges, 18 totaling {$830.00}. I immediately cancelled my card and called chime to dispute. Chime responded via email that the charges werent fraudulent. Ive sent the police report, photo of text messages, everything and they still say not fraudulent. I have done all I know to do to get help and am getting no where. I have recorded all conversations with chime representatives, and notified them of the recording. All 4 representatives stated the charges looked fraudulent because they were originated in another country than the one I reside in. Please help me!
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (FL)

I opened an account in TRANSFERWISE LTD ( https : //wise.com/ ) in the name of the company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX with the email XXXX. 

In XXXX XX/XX/XXXX, they contacted me, to tell me, they were going to close my account. 

The account had a balance of {$15000.00} usd, which I requested in XXXX XX/XX/XXXX, to be transferred to a bank account in the name of XXXX XXXX  XXXX of the XXXX XXXX XXXX  XXXX 

In XXXX XX/XX/XXXX, TRANSFERWISE LTD, told me, through their support service, that on my refund, transfer # XXXX, had been completed on XX/XX/XXXX. 

The transfer did not arrive, the receiving bank says they have not received that money. I have requested the transfer receipts, the fedwire or imad code on many occasions by email, but I have not received any response from TRANSFERWISE LTD.
Consumer complaint received 2022-10-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (MS)

I contacted XXXX  XXXX XXXX XXXX ( original creditor : Speedy Cash XXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc. (CT)

My partner XXXX XXXX XXXX XXXX and myself ( XXXX XXXX ) purchased a two-family home earlier this year and shortly after were contacted by XXXX  XXXX  offering us their services that were financed through Dividend Finance. While we felt the salesperson was pushy and pressured us to sign the contract, we still believe purchasing solar panels are a good decision for us. 

Dividend Finance 's contract with us noted that project funds would only be disbursed approximately 60 days after the solar panels were installed. However, Dividend Finance 's protocol in ensuring that panels are installed is problematic. Namely, Dividend Finance will fund projects without confirming with the borrower, but only the contractor. According to Dividend Finance, a project is considered " installed '' as long as the solar panels are on our property. That means, even if the solar panels installed are defective or installed incorrectly, Dividend Finance considers this a completed installation and funds the project. In our case, XXXX XXXX incorrectly installed the panels, such that there is no reasonable way to expect them to work as intended. However, XXXX XXXX told Dividend Finance that the project is complete and now the projected is funded. I have contacted Dividend Finance twice letting them know this issue, however they said as long as the panels are on the property, that is considered an installation. However, as a consumer, I believe it is not unreasonable to expect that an installation would constitute a " proper installation '' and not simply placing the panels onto my roof. 

A quick XXXX Search or search on the XXXX  will show that this issue is rampant with solar loans issued by Dividend Finance. 

I hope that CFPB can investigate this situation and make sure that other consumers do not get affected by this.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2021 I attempted to assist my Niece with obtaining an Apt in XXXX, NY. I was told I needed to submit {$100.00} to XXXX XXXX XXXX, Real Estate Manager, ( via XXXX XXXX in order to receive an application for the Apt . I proceeded to submit the money to XXXX XXXX via XXXX using the email address he provided to me. I never received the application nor my money back when I requested it. The next day ( XX/XX/2021 ) {$1500.00} had been taken out of my acct via XXXX by XXXX XXXX for the first Month rent. I contacted XXXX XXXX to report this and demand a return of the funds and was told to submit {$250.00} for a refund which I did on XX/XX/2021. On XX/XX/2021 {$1200.00} was taken out of my acct by XXXX XXXX for the remainder of the first Month rent. I realized there was no Real Estate Agency and apparently these were fraudulent transactions. I immediately contacted JP Morgan Chase Bank Fraud Dept to report the activity and to change my acct information in an attempt to try and get some or all of my money back. I was told by ( I did not get the name of the individual I spoke to ) because the transaction took place via XXXX there was nothing they could do to get back the money I lost.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hello as you can see by my previous reports, I am a victim of identity fraud. I have recently found out that there were new inquires on my report that pertain to Fraud, and other inquiries that are duplicates and inquiries I was told will not be a Hard inquiry but are and I have tried to resolve this issue with all 3 agencies and the creditors, and I am told by the creditors they don't have my information to remove so they can not help me and then i am told by the credit agency only the creditor can remove an inquiry which is not possible if they don't have me and were not authorized or duplicated. So, I would like these Credit agencies to take this more seriously when it comes to true fraud victims and disputes and not be giving the run around like I have been given. Seems like this is always an issue. Being I have Alerts, Fraud Protection, freezes, Locks, I pay for memberships on top of the memberships, and my reports come unlocked or unfrozen due to a quote-on-quote glitch in the system, I would expect it to be taken care of and listen to their customers if they actually read notes and reports. I have inquiries that do ot belong on my report I would like removed, whether fraud or duplicates i already spoke to the creditors and they can not help being they advised I was only ran 1x and the other couple were fraud.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My complaint is with Bank of America. I travelled in XXXX over the summer. One of my flights was cancelled and the airline in question owed me money for a hotel I had to stay in. They requested to send the money via international wire to my bank account. I opted to use my Bank of America account as it is one of the primary accounts I bank with. I provided them with the wire information which I found at https : //www.bankofamerica.com/deposits/wire-transfers-faqs/ along with my identifying details. The airline wired the money- it posted in my checking account on XX/XX/2022 in the amount of XXXX. A few days later, I noticed that a wire transfer fee of XXXX $ had also posted that day. I called the bank to investigate ( this was around Monday the XXXX of XXXX ). The associate told me she believed that the XXXX $ charge was due to a separate transaction on the XXXX ( which was in fact a recurring monthly XXXX to XXXX XXXX XXXX  that had never been charged a fee before ). I initially accepted this explanation, but then after hanging up, I looked back at past examples of that XXXX and saw no fees charged. 

I then checked the fee schedule published on Bank of America 's own site at XXXX : XXXX which they link to directly from the previously mentioned page and refer to as the " Online banking service agreement '' ( under the FAQ section " Can someone wire funds to my account at Bank of America ? ). A search for the word " inbound '' on that page has only 4 hits, none of which explicitly mentions a fee. A search for the word " international '' turns up 9 hits, none of which mention a fee. 

I then called them again on XXXX. I explained the situation to the associate and he offered to try to get a refund of the fee but this was denied. I told him I would be filing a complaint with the CFPB. 

Screen caps of all of this are attached to this complaint.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute regarding accounts on my credit report. I reached out to the credit card companies for validation of debt and they have refused to do so. 
Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. Now the accounts are being reported as charge off. 
I have been researching and looking up my consumer rights under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1692g,1681A1A and 1681s-2 have been violated. The accounts listed below do not follow FCRA. 

1.XXXX XXXX Account number XXXX Account type Credit card 2.Account name XXXX XXXX Account number XXXX Account type Credit card For the months of XXXX and XXXX the account is being reported 30 days late. How could this be when there is only 30 days between the month? 
3.Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
4.XXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
5.XXXX Account number XXXX Account type Charge Card This account reported 30 days late XX/XX/XXXX then XXXX was ND ( No data period ) then XXXX is 60 days late which is confusing to me was there a payment reported by the data furnisher if so how would you determine the accuracy? 
6. 
XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
7.XXXX XXXX Account number XXXX Account type Credit card Responsibility This account its reporting two 30 day late payments back to back during XXXX and XX/XX/XXXX then 60 days late back to back XXXX and XX/XX/XXXX then 90 days back to back for XXXX and XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for a XXXX XXXX chase credit card that offered XXXX miles with qualified purchases. I received an email stating that the application process could take 30 days and I would receive notice by mail. I never received any notice by mail since XX/XX/2022 and the XXXX mile offer has expired. When I called Chase they want me to apply under the current XXXX mile offer but I should get the original XXXX that was offered. my credit score is over XXXX. Thank you for your attention in this matter