davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (KY)

-In accordance with the fair reporting act " SELF/LEAD XXXX, has violated my rights. 

- 15 USC 1681 section 602 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 an 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 a purpose.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Dept of Education /XXXX Account # XXXX {$3500.00} {$4600.00} {$6500.00} {$3300.00} have violated my rights. 

15 U.S.C 1681 c-2. Congress states that the bureaus have 4 days to block and remove any information you identify as identity theft 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.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXXXX, 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. 
I want the CFPB to publish this description on consumerfinance.gov so that
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent {$2000.00} to my parent on XX/XX/XXXX through Money Gram, and the money keep on showing " On the way '' through the apps, after a few business days, I call their customer service XXXX and find out what the updates, I were told that the money is being held due to possibly fraud, which is understandable and appreciate the extra step they did. so I confirmed with the reps say the money transfer is not a fraud and it is for my parents, so he said he has cleared the hold and the fund should be available momentarily. 

On XXXX, the money is still showing " On the way '', I call the customer service again, and the reps said they cleared the hold but it was the other bank in XXXX not accepting the funds, and they are opening the investigation case and find out. 

On XXXX, I told my parent to check with their local bank, and their bank respond say they did not block any incoming fund and there is no notification on their end there is such transaction coming in from Money Gram On XXXX, I reach out to money gram through email again with the updates I received, Their respond is to ask me wait for 10 business day. 

On XX/XX/XXXX, they respond to me say they are requesting refund now through the XXXXXXXX XXXX, and it was them who rejected the fund. which is not true because the other bank already informed us, they did not receive any transaction through Money Gram Now, my parent and I have been waiting for 2 weeks now for this money to get transfer, and there is no update and little to no helps from money gram. They need this money by end of XXXX, It is for their living cost, and they are XXXX  people.
Consumer complaint received 2023-08-15
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. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-08-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Thank you for listening to me. 
I went to the bank with a a promo card to receive {$600.00} total. 
We discussed the card. XXXX if I deposit {$15000.00} in a new savings account. I had taken it from our primary bank. So I could qualify for it, then XXXX for a direct deposit. We had that transfered document ready. I went to the bank to check on my deposit. And I see they did not honor the other the XXXX deposit because the banker failed to open a savings. This is not my fault. I did what the card ask. XXXX and I brought them just that. The XXXX At the XXXX XXXX XXXX XXXX ohio told me " No ''. and refused to accept responsibility for their oversight. I did everything they requested
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (CA)

Dear Sir and Madam, I have sent two letters to XXXX on XX/XX/2023 and XX/XX/2023, and submitted two consumer compliance forms. I just received a letter from them on XX/XX/2023, requesting me to file a complaint with you. My request is simple : please do not have DISCOVER company send any further payment recovery bills, as the bill is not my purchase or consumption item from beginning to end, and I can not find the seller 's address. I hope you can handle this matter well, please don't be disturbed by DISCOVER company again. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-29
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)

CFPB Writeup : 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the close date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2023-08-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (FL)

I got this loan last XXXX for XXXX I had the payments done on auto payment well I lost my job and it has been a struggle to keep up with I also lost my housing I have explained this to title-max they have not helped at all if I dont have a certain amount they wont take anything toward the payment. I didn't really qualify for the loan they told me just to bring my title and they would make it work from there. From the beginning they never asked for any documentation. They repossessed it one time I paid XXXX to get it back. They repossessed it again the last week of XXXX and told me that if i didn't have XXXX I couldn't get it back. They told me I had 10 days to pay or it was going to auction I asked If i could pay the past due they declined once I asked for documentation they would not provide anything to me. I have called the local branch to update my number and address change they would not update so I have no idea what is happening because there is no means of communication. They told me If i got legal involved they have the top lawyers and I can just wish my car goodbye.
Consumer complaint received 2023-08-15
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (AZ)

I have been going in circles with Experian Credit Bureau when it comes to the negative in accurate information being reported. I have filed a identity theft report and sent a copy of it to Experian Credit Bureau per their request in an email i received. I also sent a copy of my id, social number, and a current bill. They keep asking for the same information that i have already sent them more then 3 times via certified mail that shows they received the documents. I am having to re-submit letters over and over and over again before anything is done and when they do open an investigation they are not investigating everything listed on the identity theft report. Which again causes me to have to re-submit letters again for the same things. They continue to report inaccurate addresses, different incorrect spellings and usage of my name, along with unauthorized inquires, and negative accounts.
Consumer complaint received 2023-08-15
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: Bridgecrest Acceptance Corporation (WI)

15 U.S. Code 1666b - Timing of payments U.S. Code Bridcrest is in violation of my federal rights by reporting late payments.

( 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 2023-08-15
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. (GA)

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.

has violated my rights. Or list of inquiries 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 2018-12-23
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. (GA)

XXXX XXXX XXXX {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-08-15
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. (FL)

XXXX XXXX XXXX has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX :15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it 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 an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-15
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. (GA)

XXXX has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have XXXX Remove this within 30 days or issue compensation. Based on 15 USC this should not be on my credit report.
Consumer complaint received 2023-08-15
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. (GA)

XXXX has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have XXXX Remove this within 30 days or issue compensation. Based on 15 USC this should not be on my credit report.
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (CA)

I just received a hit on my credit report for {$79.00}. But when I look at my credit report its for 2 different amounts. {$79.00} and {$80.00}. Its from a cbe group. They are with charter communications which I have never had. I have never received a bill from this company. Nothing in writing or no phone calls about this debt. They are stating Its from XXXX  but I have no knowledge of this debt or I would have investigated it.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB (SC)

I have been dealing with this for over a year and I paid {$69.00} for an XXXX order that only cost {$83.00}. I returned this car part back to XXXX, yet klarna never wanted to refund me, after numerous amounts of calls to them they still turn around and send me the credit bureau lying saying that I never paid these {$69.00} that they never would correct, they sent me to the credit bureau fraudulently, because it shows on my payments that I have paid, but they never would correct it just recently they charged me a {$7.00} late fee then they sent me to the credit bureau when they are the one who would not correct this and I sent the item back to XXXX... haven't allowed me to use klarna since XX/XX/XXXX... and still haven't contacted me after over 100 calls to klarna ... also back on XX/XX/XXXX a supervisor contacted my email stating I do not have to pay anything as you can see from the screenshot they still never corrected this and still sent me to the credit agency
Consumer complaint received 2023-06-22
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.