davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

I opened an account with chime XXXX in XXXX I received and activated my chime card i then transferred XXXX XXXX  in chime from my cash app but when I went to retrieve it I was told my account was closed and because it was closed they couldn't give information or refund my money I've been hung up on put on hold for hours over these XXXX years and I always ask this phone call is being monitored right? cause this was just plain out robbery now in XXXX  chime allows me to open back up the account but my XXXX dollars was stolen but the chime uses adjusted I was robbed i never received my money it's been XXXX years i would like to be added to the class action lawsuit going on
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK ()

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/year>, I woke up to see XXXX had misreported my loan details causing my credit score to decrease significantly and my reported debt to increase by almost XXXX dollars. They had over reported my borrowing and reported 2 more loan amounts that sent my original debt of XXXX to nearly XXXX. When I called, I sat waiting on hold for awhile until I finally got an unhelpful representative. They basically told me there was nothing they could do but file a complaint, to which I did. They said they couldn't fix the credit score but that maybe in XXXX to XXXX business days that " maybe it would be fixed. '' They, in conjunction with the XXXX XXXX XXXX folks, have yet to process or be helpful with the PSLF forms for millions of Americans. This whole student loan debauchery is exhausting, ruining people 's lives, and holding us all back financially. I want something to be done about this and to not be suffering at the hands of incompetent businesses who don't care if I live or die...
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

While trying to get a new auto insurance policy, I was told that I had an accident on my record. This lead to me getting a higher policy price. I inquired on LesixNexis. They gave me info on my report that has 5 records that are inaccurate and are not my information. They said the reached out to each insurance policy and that all the info is " accurate ''. There is no resolution.

here are the errors listed on my report.

1. auto accident on XX/XX/XXXX in my exhusband XXXX XXXX in an auto that he soley owns. This should be taken off. 

2.another auto accident on XX/XX/XXXX in the name of XXXX XXXX XXXX my ex husband with his truck he owns in his own name only. 

3. auto glass claim on XX/XX/XXXX in the name of XXXX XXXX for his XXXX XXXX he owns soley in his name. 

4. an auto claim on XX/XX/XXXX - I was not driving or took out a claim during the pandemic. This is also an error. 

5. auto glass claim on XX/XX/XXXX - I did not execute a glass claim or had it repaired using my insurance.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

Hi Equifax, I just get my credit report today and I saw 3 fraud inquiries that shall be delete from my credit report. I never authorized those inaccurate inquiries. 


XXXX XXXX, INQUIRY DATE : XX/XX/2024 XXXX XXXX XXXX, INQUIRY DATE : XX/XX/2024 XXXX XXXX XXXX, INQUIRY DATE : XX/XX/2024
Consumer complaint received 2024-08-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

I had a sales representative come from XXXX XXXX offering me solar panels, landscaping and a payout. The representative first told me that I would be waived three months of payment for the loan which was not true, the first payment was due the month after work began. The panels took months to be turned on only to not work from time to time. Part of the selling package was " you will not have an electric bill '', well turns out I am paying the same amount for my electric bill as before. The panels were not working and have produced little to if any power. After persistant calls to XXXXXXXX XXXX with no response, filed with the XXXX  and a complaint with the Texas State Attorney. I kept attempting to reach out to XXXX with no response. Finally called GoodLeap and they informed that the company was out of business. I informed them that I had defective workmanship both on the panels and the landscaping was not even 50 % done. Goodleap said they were not liable for anything done, all they cared about was installation and the equipment. Upon speaking with 24 other goodleap clients it comes to my attention that every single one of the solar companies they were working with have " gone out of business '', leaving solar panels that do not work or produce energy efficently without a resource to help remediate the situation. Goodleap instructed us that we would have to reach out to a new certified installer and the work they did would be out of our own pocket. I think this is issue should be investigated because it seems to me as Goodleap knows these companies are fraudlent companies but still provides financing for these companies knowing that they will still receive payments and can claim no liability with what happens afterwards. I have spoken to multiple people in two different states that got XXXXXXXX XXXX financed through GoodLeap and are facing the similar situaton of panels not producing so they are left with the loan payments AND an electric bill because of installation of faulty panels. Goodleap know 's exactly what they are doing as a company giving out financing to fly by night companies who come and go by the week but leave clients with huge loan payments that are liened to the house. I spoke to a couple in Nevada that were in their XXXX 's with a {$92000.00} loan that is putting them overwater in debt obligations where they may have to sell the house ( that is paid off ) because they can not afford both the electric bill and solar panel loan with their retirment income. Like I said previously I have spoken to 24 other people in similar situations so I can only imagine how widespread this issue is.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (NJ)

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX ( Account # XXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

In late XXXX, an apartment complex began reporting a debt of {$4300.00} on my credit report without providing me notice and the required 30 days to respond. Upon being notified, I immediately contacted the apartment complex to dispute the amount, explaining that their numbers were incorrect. 

Four months later, in nearly XX/XX/XXXX, I received a response from the apartment complex, which included a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX. This delay effectively took almost five months for the apartment complex to respond, during which time the incorrect amount continued to be reported on my credit report. 

The documentation they provided included a simple proof of the lease and an incorrect ledger. Additionally, they attempted to charge me for false damages, which I have documented in my review of the apartment complex. 

Despite my timely communication and dispute of the amount, the apartment complex has not corrected the erroneous reporting on my credit report. Their prolonged response time and incorrect accounting have negatively impacted my credit score and financial standing. Again, they started reporting before even notifying us. According to the companies XXXX page they have a terrible history with incidents like this and should be shut down. I have also attached screenshots of some of their XXXX complaints, many similar to mine.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (MS)

On XX/XX/year> I received a text message with a declined charge so I logged in and checked my account there were XXXX charges for the following amount XXXX, XXXX, and XXXX. I called my bank and told them what happened and they shut my card off. They tried to do more charges when my card was cut off also I received XXXX emails saying the XXXX transactions were declined but my money was never put back in my account.
Consumer complaint received 2024-09-05
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. (FL)

I am aware that a charge-off is viewed as a certificate of indebtedness, making it taxable income and eligible for removal from records. With this understanding, and considering the appearance of this information across multiple credit bureau reports, I seek assistance in reviewing my situation again.

According to the Internal Revenue Service ( IRS ) Publication 4681, if a debt for which you are personally responsible is forgiven or discharged for less than the full amount owed, the remaining unpaid portion is considered canceled debt and must be included in your income. I am requesting an inquiry based on data from the XXXX major credit reporting agencies, which indicate a charged-off debt from XXXX XXXX XXXX XXXX reported on XX/XX/XXXX, totaling {$23000.00}. 
An authorized 1099-C form has already been submitted to the IRS, and I have copies available for verification. The amount listed on the form will be included in my income for the XXXX tax year. Therefore, the charged-off debt should be removed from the credit reports, as my credit history should not include income-related information. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my personal information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. XXXX XXXX XXXX qualifies as a financial institution under this statute.

Additionally, 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided consent for XXXX XXXX XXXX, Transunion, or XXXX to share this information, whether verbally, non-verbally, in writing, or otherwise. Any previous consent I may have given is now revoked.

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a third party without informing the consumer of their right to opt out. XXXX XXXX XXXX failed to inform me of my right to opt out. The account they are reporting without my permission constitutes an adverse item of information, which is prohibited under 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain procedures that prevent violations and limit the furnishing of reports to specific purposes.Experian, Transunion, and XXXX are failing to maintain reasonable procedures. Under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I hereby choose to opt out.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

Yall sent me an application for an Apple card and because of my heritage XXXX XXXX being poor and yall look at us is being less likely to be able to use a credit card so yall denied me. I am proud of my heritage and being XXXX XXXX but Goldman Sachs tends to overlook the XXXX XXXX.
Consumer complaint received 2024-09-05
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. (CA)

Summary : I received an email from XXXX that my SSN is on the Dark Web. Next I signed on to all three credit bureaus to verify that they are locked. Only Equifax was a problem. The issue is horrible customer service by foreign agents in noisy call centers. It is clear that they don't care about consumers. 
Detail : After multiple unsuccessful attempts to reset the account password online and getting the same " Try again later '' message I called Equifax at XXXX. After entering the required info I waited half an hour for an agent named XXXX. I could hear other agents almost as loudly as XXXX due to the crowded call center and she had a very thick, strong foreign accent ( I've lived in California for 40 years and I am used to accents ). She read from a script, asking the same questions several times. She accused me of yelling at her which was untrue I was using a speakerphone. After that I'd had enough. From my experience, Equifax skimps on it's website with a useless password recovery tool, leaving a phone call as the only option for help. Equifax then skimps on their call center it's noisy and their agents sound harried and stressed out. I am attaching an email from the agent that did not resolve the problem. Password resets should not be an issue in 2024 and I did not have an issue when I reset my CFPB password before writing this complaint! KEEP UP THE GOOD WORK!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATION/XXXX XXXX XXXXXXXX Account name XXXX UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes 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 2024-08-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX : Complaint Against Transworld Systems XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Transworld systems for multiple violations of my consumer rights under federal regulations and statutes. The specific violations are as follows : 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) : ** The collection agency failed to provide me with clear and conspicuous information regarding my right to dispute the debt and obtain verification of the debt. This omission hinders my ability to fully understand and exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. **Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : ** The collection agency did not include necessary details in their initial communication with me. Specifically, they failed to provide the name and address of the original creditor, which is crucial information for me to verify the legitimacy of the debt. 

XXXX. **Violation of 12 CFR 1006.34 ( d ) : ** The collection agency did not provide me with a clear, conspicuous, and accurate validation notice. This notice is supposed to inform me of my rights to dispute the debt and to request the name and address of the original creditor. The omission of these details is a direct violation of my consumer rights. 

XXXX. **Violation of 15 USC 1681-5 2 ( 7 ) ( A ) : ** The collection agency has reported inaccurate information on my credit report, negatively impacting my credit scorXXXX. They failed to conduct a reasonable investigation to ensure the accuracy of the information they reported. This failure is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to consumer reporting agencies be accurate and complete. 
XXXX revoking all rights of Transworld Systems communicating with me through Text/Email/phone. 
I respectfully request that the CFPB investigate these violations and take appropriate action against Transworld Systems Additionally, I seek the following resolutions : - Immediate cessation of all collection activities until the validity of the debt is properly verified. 
- Removal of any inaccurate information reported by the collection agency from my credit report. 
- XXXX that future communications from the collection agency will comply with all relevant consumer protection laws. 

XXXX also requesting debt validation as well as the purchase agreement between XXXX and XXXX XXXX, XXXX also requesting that they furnish proof they are licensed and bonded. 
I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Unfortunately after reviewing my credit report on Equifax, and XXXX XXXX, I noticed many inaccurate personal account information on my credit report mainly inaccurate addresses and previous inaccurate employment items such as follows : 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. Previous employment : customer service representative 9XXXX XXXX XXXX XXXX XXXX I have attached a copy of my lease agreement to show my current address as I have been there longer than two years thank you
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

For many years now I have been asking credit bureaus and collection agencies to provide proof that these fraud accounts belong to me and asking both credit bureaus and collection to remove these fraud accounts from my credit reports and nothing has been done. I submitted a police report several times in the best still nothing has been done to assist me. I have gotten letters from credit bureaus indicating my personal information from XXXX, XXXX, XXXX XXXX XXXX, XXXX and other companies stating my information, data, and identity was exposed in data breaches and is on the dark web. This is not fair not right that I keep asking both credit bureaus and collection to delete, remove these fraud account to clear fraud accounts and nothing is being done. This has been ongoing since 2014, and I have put XXXX alerts on my files and still my identity is being used and continuously exposed.