davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accordance in with the Fair Credit Reporting Act below are accounts that have been violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report has misspelled names witch are innaccurate and different open dates witch are also innaccurate 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 consent or instructions to 15 u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 7 years.

15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relationg to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information.

Accounts have wrong reporting dates on consumer report Also i ask any inquires be removed that are past the last 30 days
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (DC)

I lost my ATM card around XX/XX/XXXX and requested a new card at my local Citibank branch. Citibank issued me a temporary card that can only be used by swiping for purchases and can't be used to get cash back. The temporary card was only good for XXXX days, XX/XX/XXXX to XX/XX/XXXX, allowing time for me to receive the new ATM card. Unfortunately, I never received the new permanent ATM card in the mail. I received a paycheck via direct deposit to my acct on XX/XX/XXXX. The next day I made a purchase at XXXX with my temporary card in the amount of {$54.00}. I used the ATM at a local XX/XX/XXXX store to check my balance and discovered all of my money gone from my acct. I immediately called my bank to make an inquiry about the missing funds in my acct. The bank informed me that several large purchases were made at XXXX XXXX times in the amount of {$460.00} with {$40.00} cashback in XXXXXXXX XXXX and {$360.00} with {$40.00} cashback in XXXXXXXX XXXX. The bank transferred my call to the Fraud Dept. While I was on the phone with the Fraud Dept, another unauthorized purchase of {$190.00} was being made at XXXX in XXXX XXXXXXXX XXXX. I informed the bank that I only made XXXX purchase at XXXX on XX/XX/XXXX in the amount {$54.00} and that the large purchases were fraudulent due to the fact that I hadn't received my newly requested ATM card. Someone must have received my new card from the mail XXXX XXXX delivered and changed the pin # to make those fraudulent purchases. I am a XXXX XXXX XXXX man and I have been with this bank for over XXXX years and I have never shopped at Target. I only get cash from the ATM. Again, I am stating, I have never been in possession of the card used to make the fraudulent purchases. I have lost a lot of money and now I'm behind and can't pay my bills due to this hardship. I really need my money.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have the same student loan listed twice on my credit report. The duplicate account may have been a result of a glitch during the transfer of account that took place. I need the duplicate account removed from my credit report so I can refinance my home. The accounts on the credit report are as follows : XXXX XXXX XXXX  {$360000.00} XXXX Department of Ed {$360000.00} These are the same loan but are listed twice.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 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. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. '' XXXX XXXX - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX XXXXnd Federal Trade Commission. ''
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

On XX/XX/year> and XX/XX/year> I reached out to SELF INC regarding an account they are reporting late on my credit report but I never was able to complete the full registration process on my end. I never picked a plan or set an amount to pay. I have tried reaching out to them and haven't gotten any calls back. This should not be reporting on my credit profile.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (MA)

I keep on escalating this issue to all credit bureaus, concerning these closed accounts that were tagged as negative and late payment, and I havent received any updates nor seen any changes from my credit report until now. These accounts were supposedly deleted. I have filed an Identity theft before and have sent them copy of it but I received NO resolution from their side.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Dear CFPB, I am writing to file a complaint against Mazda of XXXX XXXX, regarding an unauthorized credit inquiry and misrepresentation during a recent car purchase attempt. 

On XXXX, XXXX, XXXX I visited Mazda of XXXX, NJ, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to purchase a vehicle. After selecting a car, the next step was to finalize the financing process. During this process, I inquired whether the dealership would consider taking my used car as a trade-in. The sales representative agreed, and I informed them that I would return with the vehicle and the agreed-upon down payment in cash.

While I was at the bank to obtain the down payment, I received a call from the sales representative informing me that the car I had selected was already sold six days prior, and they had made an error. I immediately asked if my credit had been run, and the sales representative assured me that it had not. 

However, shortly after this conversation, I received a notification from my bank indicating that my credit had indeed been run without my authorization. I returned to the dealership to request a copy of my credit application. The document I received was only partially completed and did not include my signature, clearly demonstrating that my credit was checked without my final consent. 

I am deeply concerned about this breach of trust and unauthorized action, which has impacted my credit report. I request that the CFPB investigate this matter and ensure that the dealership is held accountable for their actions. 

I appreciate your attention to this issue and look forward to your prompt response.
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

This is a total scam company. That is attempting to ruin credit scores. We refused to rent at the XXXX XXXX XXXX. We asked for a refund. We were given a refund then sent to collections. We need this problem fixed scam company who I never rented at. Please help!
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc. (TX)

I received notices that i owed on a loan i never established from Net Pay Advance. I informed them that i had never done business with the company. I asked for the signed loan agreement be mailed to me, which they have not provided. The company did send a fraud affidavit form requesting very personal/sensitive information. I was not comfortable providing this without having proof that someone had opened a loan on my name. I communicated through email, text and phone. Since then, they transferred the loan to XXXX XXXX XXXX XXXX XXXX I informed the agency that i have never opened an account with net pay advance. I did check my XXXX profile and could not find anything regarding net pay advance. The account # is XXXX. I need direction on how to resolve this and protect my personal information.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

On Saturday XX/XX/XXXX, I visit the ATM inside the XXXX at XXXX XXXX XXXX XXXX, I try to deposit two XXXX XXXXXXXX bills. The ATM did not deposit it into my account. I talked to a banker who submitted a request to have that corrected. Its been 4 business days and my funds are still not in my account. I called today, they said it could take 7-10 days. Thats not acceptable. It should not take that long to locate my funds. This is people money they are losing.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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.

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 2024-07-12
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year> I was notified that my XXXX XXXX credit card issued by Barclays bank was charged for {$13000.00} and {$1000.00}, I did not make these purchases. I received a text message asking me if I recognized these charges to which I replied no. A Barclays agent called me and said that both charges would not go through and I wouldn't be responsible for those charges. 

The full {$14000.00} still showed up on my statement balance. Since the incident, Barclays has closed my credit card account. When asked about the incident, they reaffirmed that even the account has been closed, I would not be responsible for the charge. 

Today, XX/XX/year>, I was notified that my XXXX checking account was charged for the full amount of {$14000.00} since the previous autopayment I set up with Barclays. After checking the online system with Barclays I saw the {$14000.00} even incurred an interest of {$340.00}.
Consumer complaint received 2024-07-18
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. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - JOB Incorrect Name : - XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

Hello, my name is XXXX XXXX. On XX/XX/XXXX I withdraw money out my account. My last valid transaction was {$400.00}. I then proceeds to get what I needed out the store I bought my items then I left my purse/wallet. I go back and find out that my wallet and purse was gone. I called Wells Fargo and spoke to a representative to lock my card and resend a new one. 3 days later I call to find out my card was never cancel And more charges Appear. Then I had to make another call because she didnt dispute all the transactions! The money was for my rent. Not these charges!!! Im missing half of my rent because someone stolen my card. I even had witness says they saw someone grab the bag! Claim number : XXXX I file a police report as well.
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MITSUBISHI HC CAPITAL (U.S.A.) INC. (TX)

I financed a commercial vehicle with a finance company that I feel has blatantly attempted to ruin my financial life. I applied for this vehicle loan with an XXXX credit score and still was told I had to put down a XXXX XXXX dollar down payment. I never received any documentation or a receipt assuring me that my down payment went towards the principal balance or the interest rate of the loan. Usually for every XXXX dollars you put towards a vehicle loan it usually decreases your monthly payment. In this case it did not, despite me putting down XXXX XXXX dollars. I was not given an option to choose the amount of months I wanted to possess my loan. They pretty much chose for me. I tried multiple times to log into my online portal to view my principal balance, interest rate, monthly payment, and payment history towards the loan, but I could not because the lender informed me that they dont offer that service. This was a red flag because out of every loan Ive ever gotten, Ive always been able to log into a portal and see what I am paying towards and overall get details on my loan. But could not. I asked this finance company to send me a letter explaining why they dont offer this service and they could not. Overall this company is leading me to believe that they are loan sharks and predatory lenders, and I need you guys help to hold these individuals accountable for trying to take advantage of the consumer.
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Earlier yesterday morning I requested XXXX $ from my husband off PayPal. They sent him out of a retaliation from the last complaint XXXX $ and the money is not there. They are making up a lie to freeze and steal XXXX XXXX I filed a dispute. We both have screenshots of them telling us that the other one of us both being spouses can cancel and now they refuse to are refusing to cancel and steal the XXXX $ that was supposed be a request of XXXX XXXX I removed the bank account from that website and they have a copy of the account they once had until they deceived me previously several times. I keep letting it go but they keep closing my accounts and stealing funds. Last issue I had they said it was the wrong phone and when I added the phone number they refused the phone number. I would like to open a lawsuit suit for retaliation, theft, criminal activitys, and making up transaction that dont exist. They dont care that I have the screen shots of the lies they told me. They will steal my XXXX $ and cause a major melt down in the bank account they have access to with out my permission. I want this reported as theft and criminal malicious intent to defraud. We will show evidence in court They just keep doing this on purpose. Last time it was XXXX XXXX Now theyre stealing XXXX XXXX My economic situation is not well. My husband is not well. I can no longer live in a vicarious world of pay pal fraud and deception. Please help me.