davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi (GA)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was but my previous dispute did not ask you for accuracy or validation. 
You you furnished to { XXXX, XXXX, and XXXX } as an alleged trans

action as Late. 15 U.S. Code 1666b - Timing of 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. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002. 
In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
XXXX XXXX XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308
Consumer complaint received 2024-08-08
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 (MD)

Barclays improperly handled my dispute request against XXXX XXXX XXXX for {$81.00}. They are refusing to remove the charge from my account for merchandise that was not wanted and never shipped.
Consumer complaint received 2023-04-13
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)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MS)

On or around Thursday, XX/XX/year>, I logged into my Credit Karma ( XXXX ) account. I noticed that there was old contact information on the account. This was information that I have changed before, but somehow the old information was added back to my account. I changed the email address and mailing address associated with the account. A few days later, I noticed that I received an email stating that my account had was frozen and that I needed to provide a copy of my drivers license ( front & back ) as well as a photo of me holding the license under my chin. I did this and still received no response from the company. Finally, after waiting a couple days, I attempted to reach out to CK to check the status of my documents. I was on hold for nearly XXXX hours. I even tried chatting with them, but no one ever answered the chat. Finally, I was able to get someone on the phone. I had to provide the same information ( my drivers license and a selfie ). I tried this twice and was told that they were not able to authenticate me ( for reasons that they could not disclose ). Meanwhile, my account is still frozen with no explanation. I can only guess that it is because I changed my email address and mailing address ( something that I have done before, but CK still keeps reverting back to my old information ). Also, I authenticated the email address when I changed it. So there was no reason to freeze my account. It would be logical to freeze the account if there were suspicious transactions on the account. But I only changed the contact information. I have provided all the necessary documents and they still are not helping me. I do not know what to do at this point. It seems as though my money has been taken ( which really is not that much ) for no apparent reason.
Consumer complaint received 2024-08-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MD)

In accordance with the fair credit reporting act, this creditor ( XXXX ) violated my rights on XX/XX/year> by leaking my data in a massive data breach potentially harming my PII in future use. Also, XXXX sold a debt that I was not aware of to collection company called, RADIUS GLOBAL SOLUTIONS in XXXX, to solicit {$4300.00} from me. Code 15 USC 1681 section 602 states I have the right to privacy, under code 15 USC 1681 SECTION 604 A section 2, a consumer reporting agency may not furnish an account without my written instructions. Under code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. Please remove this collection account from my all credit reports with my name attached to it. This is an unlawful practice of debt collectors and it should be prevented. Current is showing on my XXXX Credit report and it is hurting my chances of using future credit products. Thank you
Consumer complaint received 2023-03-12
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. (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. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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, 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 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I woke up to my small business and my personal account being empty. XXXX XXXX XXXX XXXXXXXX garnished the money in my accounts and on XX/XX/XXXX they also garnished my pay check. One account they took {$530.00} then my pay check {$1200.00} and business account {$1000.00}. I called the company and to see what is going on and they said I owed a Target Credit Card in the amount of amount {$6000.00} from XXXX and that i was sent to court in XXXX. I asked them how could this be and they said there is nothing I can do. I had a debut collector contact me about 2 months ago but did not want to understand that I had no knowledge of this and I had my identity stolen back in around that time period. He was frustrated and so was I so I hung up. He process to call me again a few time and finally left a message that he was moving forward with suing me and wished me luck. I has a couple of calls XXXX with whom I'm now assuming was debut collector because they did not want to give me any information when I asked what this is about. The person said well I got this case on my desk but if you don't want to provide your personal information that is your decision. I told them that they should have my information since they are the ones calling me so with so much scams going on I declined to give him any information. He did not want to provide the company name or reason for the call and we hung up. I have police reports and report to social security office as well as an other police report in XXXX XXXX Florida where the person that stole my identity was working at the time while using my papers and social security number. I had not heard about this Target Card prior to this. I try to work something out with this law firm but they refuse to work with me as far as payments go so that they can take the garnishment off.At this point I would like to know what my options are since this case is on going. Please let me know what how to proceed. Thank you for you time.
Consumer complaint received 2024-07-11
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. (SC)

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I have discovered several inaccuracies, such as false account listings, inconsistent billing, and accounts that do not belong to me. These discrepancies are having a significant impact on my financial security, and I urgently seek your assistance in resolving these issues.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

I am filing this complaint to dispute multiple inaccuracies on my credit report, which have unjustly impacted my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are incorrectly listed as being 30 days late. Additionally, there are discrepancies between the information reported by different credit bureaus that further highlight the inaccuracies. The accounts in question are as follows : 1. Apple Card/GS Bank USA ( Account # : XXXX ) ** - This account is showing different balances on XXXX ( {$720.00} ) compared to XXXX and XXXX ( {$230.00} ). Furthermore, the account number reported by XXXX differs from those reported by the other credit bureaus. Lastly, the " Date Last Active '' also varies across the bureaus, indicating a lack of consistency in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these inconsistencies exist, particularly in the account numbers, balances, and dates, is a clear violation of this requirement. 

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage. 

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments or other claimed inaccuracies, I demand that these entries be updated immediately to reflect their true status, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

I received an email from Equifax about a balance change on my mortgage. Both my husband and I tried to log in to our equifax account, with no success. On XX/XX/year>, I called the number provided on the equifax site on my computer- XXXX. A man asked for my s.s. # and birth date. He said there was a problem with the equifax site and they would reach me through my email. I have never had an issue handled this way. I called again and was told that it would take 5-7 business days to resolve, but they also gave me a balance from my second mortgage. I DIDN'T UNDERSTAND WHY THEY COULD SEE THIS INFORMATION BUT I COULDN'T GET INTO MY ACCOUNT .I then called cfpb for help. I was given a different phone number for Equifax- XXXX. I reached someone who said there was nothing wrong with my account and helped me change my password. My husband was able to log in at that point with his current password. Why was there no indication of my previous two calls to equifax and why were both accounts unlocked when they were locked at another time?
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

On Thursday XX/XX/XXXX I arrived home after a trip and received a Cash App card in the mail. I had not requested a new card to be mailed in my name, i already have a cash app account, But the card that I received was in my name and it arrived to my address, but I never ordered it. I looked up the cash app tag name and the account was created 1 week ago, but I have never requested another account to be made. My cashapp card isnt supposed to expire until XXXX  so I don't know why I was receiving another Cash App Card. So someone is using my information to open accounts. I want to make sure that this person is not able to open anymore accounts suing my information, I want to know the person responsible for doing this and opening accounts in my name.
Consumer complaint received 2024-08-10
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: ENCORE CAPITAL GROUP INC. (CA)

Debt was originally acquired with XXXX XXXX XXXX  and then sold to a dept collector following my XXXX  XXXX Bankruptcy Order Of Discharge. 
DEBT BUYER MIDLAND CREDIT MANAGEMENT XXXX... for {$1200.00}
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

******NOT A DUPLICATE******** AMERICAN EXPRESS HAS RETAINED MY NEGOTIABLE INSTRUMENT ( SOCIAL SECURITY # ) American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. They have sent responses that appear to be automated and in no way have acknowledged my claim. I am a victim of American Express deceptive practices. By telling the SEC they are treating their investors one way, but the whole time clearly mistreating their investors. American Express clearly told the SEC in their Prospectus on page S-5 " We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system ' I Applied for American Express card XX/XX/XXXX. I was denied and their response states they can not continue our processing your application due to your freeze on your credit report. 
The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

I have never given my unwritten, written, nonverbal, and verbal consent for any of my information to be disclosed to anyone or third-party. per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, Lexus Nexus, XXXX. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information
Consumer complaint received 2024-08-10
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: GOLDMAN SACHS BANK USA (CA)

My card was charged {$1300.00} in XXXX. I opened the dispute twice, and was rejected twice. I called/ texted the customer service at least 5 times in the span of 4 months asking the agent to request the evidence that the bank has gathered which led to the rejection of the dispute. 
However, the bank has never responded/ reached out for any of my evidence. And it has been months without them resolving the issue.
Consumer complaint received 2024-08-10
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: WELLS FARGO & COMPANY (NC)

XXXX XXXX XXXXXXXX This account has been paid off and I received a paid off letter and now they are reporting this info on my report with is defamation of my character and causing me stress.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I originally tried to open a USAA account when I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX of 2022. At the time I couldn't get to a XXXX XXXX XXXX  to transfer my funds to my USAA account so I halted the process. Recently, when trying to make the official switch I have been informed my USAA account has been closed and USAA would not like to bank with me. I want to bank with USAA and have a great XXXX XXXX and am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would simply like to get this issue resolved.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (OH)

I reached out on XX/XX/XXXX regarding some transactions that werent mine and my account is fully verified as my employer direct deposits to this account. I received my Deposit on XX/XX/XXXX and Robinhood closed my account and I have no access to pay! I have kids and bills and Im fine with them closing the account because they dont want to pay for the items I disputed but I was told Id only get my money back from my employer if eligible and that it would be 15 days! I can log in my money is there I just want to transfer it and be done. I will seek legal action if not!
Consumer complaint received 2023-03-13
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.