davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2024-09-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

XXXX Contacted cra - XXXX and Creditor for validation of debt sent // used USPS XXXX Ph number to Credit grantor on CRA reports are not valid USPS returns address on CRA reports as vacant locations Requested all 3 CRAS to remove due to not being a validated debt ( Refused ) XXXX XXXX attempt at correction - wrote to all 3 CRA 's and sent in exhibits to show the returned mailing to the Creditor by USPS , along with the inaccurate payment history showing on the report // USPS XXXX XXXX response from XXXX was furnished has validated debt which is a lie since he furnished does not exist at the phone number or address as shown on my CRA reports and as proof by the returned USPS mailing labels and package XXXX, I sent my Final notice to The CRAs and explained I would be contacting CFPB and filing for possible arbitration or court because the name listed on the debt is not mine, and it is being reported as per the compliance office of a third-party creditor who wrote an email on XXXX ( Genesiscred.com ). The name showing of the person liable for the debt is XXXX XXXX, the original creditor stated in the email received is XXXX XXXX XXXX, and the party who wrote the email was Genesis Credit. 

XXXX USPS XXXX with 13 exhibits to show all the errors in the reporting and violations in reporting. 

Please help me to rectify this matter that is causing me financial harm.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : 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 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

Unauthorized Inquiries that was not made by me. 
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 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 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 XXXX XXXXXXXX
Consumer complaint received 2023-11-28
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. (FL)

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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

RE Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NE)

Balance {$1600.00} I am writing to request validation of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the debt and requesting that you provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any agreement or contract I signed that shows I am legally obligated to pay this debt.

4. Verification that your company is legally authorized to collect this debt in my state. 
Please be advised that this is not a refusal to pay, but a request for validation and verification of the debt. Furthermore, I request that all future communication regarding this debt be made in writing. 
Until I receive this information, please cease any collection activities, including reporting this debt to any credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-11-28
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX XXXX XXXXXXXX : XXXX XXXX AND XXXX XXXX XXXXXXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

American Express National Bank FDIC Cert # XXXX Main Office Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I found a previous CFPB complaint ( ID : XXXX ) from the database, which was received by the CFPB on XX/XX/XXXX. This complaint mirrors my current situation almost exactly. I used it as a reference to create my own complaint, and I have attached the documents that I have already sent to American Express. 
American Express ( regarding account # XXXX ) refused my remittance coupon that was properly endorsed in accordance with 31 CFR 328.5 & 328.6. As of today, I am allegedly still accumulating late fees and interest. I contacted their customer service and also had a conversation with a chat agent, during which I discussed at length my understanding of certain financial matters that have been hidden from the general public. Specifically, this pertains to the concept of unlimited credit and the fact that banks are not permitted to loan their own assets ( 12 USC 1431, 12 U.S. Code 83, 12 U.S. Code 412 ), while the U.S. Treasury is obligated to make payments on public debt ( 31 USC 3123, 18 U.S. Code 8 ). 
Our debts have already been paid through our Cestui Que Vie trusts, Ens Legis, and/or Estate, and the banks have already received payment for those obligations. Yet, they continue to demand that we pay from our cash accounts, which amounts to " double-dipping. '' They label this as a " gift, '' but in reality, it keeps people financially burdened, living paycheck to paycheck, while enriching the banks. Large corporate banks are well aware of this system, although many of their employees are not. There is no longer a gold-backed dollar ; HJR 192 of 1933 eliminated the ability to fully pay debts, allowing only for their discharge. 
Because this act of accepting payment twice for the same bill was never disclosed, I believe that their contract is null and void under 15 USC 1692c ( c ). People are becoming increasingly aware of this fraudulent system. It is even documented on the IRS website under 21.1.7.9.17 Unacceptable Payments and 21.1.7.9.22 Bill of Exchange. The remittance transfer coupons are supposed to be sent to the following address : Department of the Treasury Office of Executive Secretary XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

I initiated a XXXX transfer of {$50.00} on XX/XX/year>, at XXXX XXXX  to XXXX XXXX, phone number XXXX, from my US Bank checking account ending in XXXX. The transaction was confirmed by the banks system, with a notification stating that the funds would typically be available in the recipients account within minutes. The confirmation code for this transaction is XXXX. 

Despite the confirmation, as of XX/XX/year>, at XXXX XXXX, the recipient reported that they had not received the funds, and there was no indication of the transaction in their bank account. Concerned, I contacted US Bank and spoke with a representative named XXXX. He confirmed that the transaction was sent but then stated that there would be an unexpected three-day hold on the funds. This information was surprising and unsettling as it was not communicated at the time of initiating the transaction, nor was there a satisfactory explanation provided for this hold. 

This situation has not only caused financial inconvenience but also distress due to the lack of clear communication and transparency regarding transaction delays that should ordinarily be instantaneous according to XXXX service features. 

I am seeking the intervention of the CFPB to : 1. Investigate the reasons behind the unexpected delay and the banks failure to communicate such crucial information effectively.

2. Ensure that US Bank adheres to its commitment as per the service agreement and processes such transactions timely.

3. Provide clarity on policies regarding transaction holds, ensuring that consumers are properly informed in advance of such significant deviations from expected service standards. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues and ensuring compliance with fair banking practices.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (MI)

National Commercial Services continues to request payment for a debt that is not owed. They had previously closed the account and sent it back to XXXX XXXX XXXX but have opened it again because XXXX falsely claims that we were willing to pay the XXXX deductible they are trying to collect for damage to one of their vehicles. I have never agreed to pay this deductible. When the account was closed by XXXX in XXXX of 2023 I was told by XXXX that the issue was resolved. 

We do not dispute the accident. At the time of the accident we notified the police and insurance info was exchanged. Multiple mistakes were made by XXXX in their attempt to pursue this claim. Including but not limited to- false identification of the drivers involved in the accident, a lengthy delay in reporting the claim, false statements by multiple representatives from XXXX that the issue was resolved.
Consumer complaint received 2023-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed complaint # XXXX on XX/XX/XXXX  after I noticed accounts on my report that didn't belong to me. The complaint was closed witha comment that states the complaint is still open. This companty is attemting to extort payments from me. This company is recieving money from the furnisher for this false account being on my report. This company is defaming my character. This company is not protecting my report from inaccuracies. This company has failed at its assumed role and is in breach of contract.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 1

5 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 2024-10-05
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX we contacted XXXX repair services to diagnose & repair refrigerator problem. We had to pre authorize payment prior to repairman visit in the event that it was not a warranty repair. The repairman came XX/XX/XXXX & replaced the compressor which should have been under warranty. We were never given an estimate prior to replacing the compressor nor were we given a statement of what was repaired or a charge for repair. To date we STILL have not received any type of statement & have no idea why we were charged {$480.00} by XXXX. XXXX added the charge to our credit card on XX/XX/XXXX, a week after the repair & we first discovered this charge after receiving our credit card statement on XX/XX/XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting 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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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 2023-11-28
Product: Credit reporting 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 a 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.