davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report for the third and final time. Despite my previous two attempts, you have failed to rectify these errors. This letter serves as my formal demand for the immediate removal of the disputed information, as mandated by law. 

Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ), Section 611 : Under the FCRA, I am entitled to dispute any inaccurate information on my credit report. The credit bureaus are legally required to investigate and correct or delete inaccurate information within 30 days. To date, you have not complied with these requirements. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : The creditor agencies involved have engaged in unlawful practices, including harassment, false representations, and other violations. These practices not only violate the FDCPA but also undermine the integrity of the credit reporting system.

14th Amendment, Section 4 of the U.S. Constitution : This amendment asserts that the validity of public debt authorized by law can not be questioned. Any actions that misrepresent or question the validity of debts on my credit report are unconstitutional and must be rectified immediately. 

Demand for Action : Given the legal framework outlined above, I demand the following actions : Immediate Investigation and Removal : You must immediately investigate and remove the inaccurate information from my credit report. This includes all entries that are not consistent with valid records. 

Cease and Desist Unauthorized Practices : The creditor agencies must cease any unauthorized or unlawful practices related to this debt, including but not limited to selling, collecting, or making false representations of the debt. 

Notice of Further Action : If the inaccurate information is not corrected and removed from my credit report within the next 15 days, I will : File a formal complaint with the Federal Trade Commission ( FTC ) regarding your non-compliance with FCRA and FDCPA requirements. 
Consider legal action, including arbitration, to enforce the deletion of this information and seek damages for the harm caused by your negligence and non-compliance. 
This letter serves as a formal notice of my intent to pursue all available legal remedies should this matter not be resolved promptly. I expect confirmation of receipt and detailed information on the actions you are taking to comply with this demand. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-04
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: BARCLAYS BANK DELAWARE (FL)

In accordance with the fair credit reporting act XXXX  Account # XXXX, As 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Subject : Dispute of Inaccurate Collection Account Reporting Different Dates of Last Activity Dear Sir/Madam, I am writing to dispute the accuracy of a collection account on my credit report that is being reported with conflicting dates of last activity. The collection account in question is with XXXX and is currently listed with XXXX major credit bureaus XXXX, Equifax, and XXXX. 

The inaccurate dates of last activity being reported are as follows : - XXXX - XXXX - Equifax : XX/XX/year> These conflicting dates are causing discrepancies on my credit report and are negatively impacting my credit score. I have attached copies of my credit reports from all three credit bureaus highlighting the discrepancies for your reference. 

I am requesting a thorough investigation into this matter to determine the correct date of last activity for the XXXX collection account Account number XXXX. If it is found that the dates being reported are indeed inaccurate, I kindly request that the information be corrected or deleted from my credit reports. 

I understand that under the Fair Credit Reporting Act, credit bureaus are required to investigate disputes within 30 days of receiving a request. I would appreciate it if you could expedite this investigation process and provide me with an update on the resolution as soon as possible. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-06
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. (MO)

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 informationisinaccurate.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have sent this company a cease and desist This company has refused to adhere to the federal guide lines ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency which it is listed the company is not listed is not legally binded and or insured to collect in the state of Florida. Please have this company cease all collection activities. This is my last attempt to complain outside of court.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Recently I've submitted a dispute letter to Equifax asking them to update and remove anything that's reporting inaccurate to my consumer report. They responded with a letter stating that they don't believe I sent in the dispute letter. I am aware of 15 U.S. Code 1681- Congressional findings and statement of purpose, and that Equifax is reporting inaccurate information. I am asking them investigate my dispute letter that's included with this complaint. These inaccuracies that are under multiple violations are negatively impacting my credit score limiting my ability to obtain any funding or relationships with any potential lenders. In accordance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), and that it states that you must remove anything that's inaccurate. Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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 informationisinaccurate.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (MI)

In accordance with the fair credit reporting act the following accounts has violated my rights : SPRING OAKS CAPITAL LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number:XXXX  XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Debit cards that I no longer have, are being charged continously even though the cards are deactivated. I ordered a new card, there were charges on the card while it was in the mail before activated. Ordered another card with new numbers, same thing again charges to card before activation. I am XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I rely on every last penny to be able to eat and survive. I have had money stolen from me non stop for months. The bank can't tell me why or how to stop it. They just keep ordering me new cards and it's not solving the issue. I report a card as stolen, they still let it be charged non stop. I need help!!!!!
Consumer complaint received 2024-08-02
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: GOLDMAN SACHS BANK USA (CA)

I have had a long standing dispute with Goldman Sachs Bank and they absolutely lied in their response to the CFPB. they lied and said that I made the complaint after the warranty period and they refuse to return emails or calls. they have never provided me with the merchants response despite the fact that I have asked over and over again please help me resolve this Goldman Sachs in their response to you wrote a LIE and they have the evidence to prove that they wrote a lie they acknowledged my evidence and they wrote a lie in direct conflict with the evidence that they acknowledged
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (VA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 2681. 
XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX  account XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Account XXXX 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 it also states I have a right to privacy 15 USC 1681 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1681c. ( a ) ( 15 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information other then records of conviction of crimes which antedates the report by more then seven years 15 USC 1681s- ( A ) ( 1 ) a person shall not furnish any information relating to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-02
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)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against Chime Financial, Inc. regarding the unauthorized transactions made on my Chime credit/debit card and the subsequent handling of my dispute by Chime. 

On the early morning of XX/XX/year>, my phone and wallet, which included my ID and Chime credit/debit card, were stolen from my car. Following this theft, XXXX unauthorized charges totaling {$1100.00} were made using my card. I promptly filed a dispute with Chime and a police report with the XXXX Police Department. 

Chime representatives assured me on several occasions that my funds would be credited back to me. Despite these assurances, I never received a refund, and Chime closed the case. I reopened the case multiple times, and each time, Chime representatives reiterated that I would receive a refund. However, they continued to deny my XXXX disputes without providing a detailed explanation for the denials. 

Ironically, on XX/XX/year>, my car was broken into again in front of my house. Fortunately, nothing was stolen during this second incident. I filed another police report with the XXXX Police Department and submitted the document to Chime to demonstrate the pattern of vehicle break-ins in my neighborhood and my transparency regarding this matter. Once again, a Chime representative from their investigation department assured me that I would receive a credit refund of {$1100.00}. As expected, they closed the case again and denied all my disputes, even after receiving XXXX police reports and multiple case reopenings. 

At this point, I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter with Chime. Their handling of my case has been inconsistent and unfair. They have repeatedly assured me of a refund, only to close my case without explanation. I have all the necessary documents pertaining to this matter and am willing to provide them upon request. 

Thank you for your time and assistance in this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MS)

XXXX until XX/XX/year> Sofi bank has held my money of over XXXX now, I'm a homeless vet who can't access my VA XXXX check. due to a dispute in XXXX They will not talk to me or give me a time. i don't have a means of living with them holding my funds.va can't help i have no options for living this all i have in life and Sofi holding my funds with no end date.
Consumer complaint received 2023-09-20
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
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: Spring Oaks Capital, LLC (MO)

Dear SPRINGOAKCAP, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that SPRINGOAKCAP has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for SPRINGOAKCAP to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that SPRINGOAKCAP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that SPRINGOAKCAP will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (SC)

I was charged for XXXX XXXX XXXX twice. I called to stop the transactions, but because they were authorized, they could not have been stopped or refunded. They were in attempt to pay debt from a debt collection agency, but included fraudulent charges from a previous credit card bill. I am being refunded only a partial amount rather than the full amount. I paid these fraudulent charges with interest.
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I recieved a letter from a collection agency regarding a debt from XXXX ; I did not attend to this school or take any classes, I requested information only ; however, they charged like I attended to 2 classes, I live in XXXX  and I am studying now in XXXX XXXX for XXXX  years ; I did call them to resolve the problem to XXXXXXXX XXXX XXXX  times, I left a messages, and nothing, this is affecting my credit, I own nothing because I did not take any class I register, I am very familiar with this because I went to 3 schools already