davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Both files are fraudulent and dont belong to me. Both accounts are reporting different balances even while company tried to say they verified debt. Company has stated they won run disputes because theyve ran them accurately. XXXX will show that was a lie as well as their attempts to collect incorrect amounts with information they stole from my person file
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX and XXXXXXXX XXXX XXXXl have already deleted and removed from My credit reports as the accounts do not belong to me. Transunion has refused to remove them even when provided with accurate information along with multiple other accounts theyve been asked to correct. Attached are XXXX  results for the files thats Transunion fefuses to look at
Consumer complaint received 2024-08-22
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. (AL)

Did not do an investigation at all. My social security number was breached. All the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.

Consumer Reporting Agencies said they get their bankruptcy from the court. I have proof stating the courts doesn't provide this information so this is fraudulent information.
Consumer complaint received 2024-07-03
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: Experian Information Solutions Inc. (CA)

I completed a complaint with the CFPB on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and that turned out to be disingenuous and Experian basically lied and gave me and the CFPB the runaround when their system says they were reinvestigating my complaint to the exact collection and information I am complaining about but yet, they provided an explanation stating they don't know which collection I am talking about and is unable to complete my request because it wasn't specific. I find it illegal and a disregard for accuracy on their platform. 

Dear Experian, I am writing to express my frustration and concern regarding your response to my CFPB complaint filed on XX/XX/XXXX. Despite providing all necessary information, you have claimed that my dispute is " not specific '' enough to process, which I find to be both inaccurate and dismissive. 

Firstly, I have only one collection account on my file, making it abundantly clear which account I am disputing. This is confirmed by the documentation and updates in your system, which reflect the reinvestigation due to my CFPB complaint. It is disingenuous to suggest that you are unaware of the collection account in question. 

The specific account details are 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  I have repeatedly asserted that this account does not belong to me and have provided substantial evidence to support my claim. The collection company has failed to provide proof of validation, and your continued reporting of this inaccurate information is both unlawful and unethical. 

Your request for further identification and documentation is redundant given the details I have already supplied. I expect you to honor your legal obligation under the Fair Credit Reporting Act to properly investigate and resolve this dispute. This includes contacting the furnisher of the information and verifying its accuracy, not merely deflecting my requests. 

I demand immediate action to remove this erroneous collection from my credit report. Failure to do so will leave me with no choice but to pursue further legal action to protect my rights. 

I have included both the other complaint with the company 's response along with a printed page of evidence that shows how their system and knowledge of the account contradicts their entire statement and how this was a fraudulent and fabricated response in trying to dismiss the consumer and not be in violation of the law and attacks or fines by the CFPB.
Consumer complaint received 2024-08-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (SC)

On XX/XX/year>, I went shopping with my mother and fiancee at Macy 's. The Macy 's is located at : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX My mother purchased an item and was asked by the cashier if she would like to open a " store card. '' My fiancee and I asked four times if it was a credit card. The cashier assured us it was not a credit card and it was only a store card. This seemed inaccurate because my mother was asked for her social security number and driver 's license which is typically only required for a credit card. 

The card reader displayed if we would like to make a purchase with a " Macy 's Express Credit Card '' or a " Store Credit Card. '' At this point, I recognized that the " store card '' was actually a " credit card. '' After the visit, I reached out to Macy 's cooperate website and inquired if the cashier was trained poorly or if she was being deceptive. ~24 hours later and I still have not been contacted by Macy 's XXXX 

I checked my mother 's credit on XXXX to verify the account was not opened. To the best of my knowledge, Macy 's did not create the account. Unfortunately, Macy 's did inquire from XXXX. Inquiries can have a negative impact on credit scores. 

I believe Macy 's actions constitute fraud and are illegal.
Consumer complaint received 2023-11-21
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: AMERICAN EXPRESS COMPANY (TX)

I am writing to file a formal complaint against American Express and XXXX XXXX for their inadequate response and handling of a fraudulent charge on my credit card. This complaint pertains to an unauthorized transaction of {$1600.00} on my account, which occurred as a result of a security breach on XX/XX/2023. 

Details of the Complaint : Unauthorized Transaction : On XX/XX/, my XXXX  account was compromised, leading to an unauthorized purchase using entirely false billing information ( XXXX XXXX XXXX, XXXX, NY XXXX XXXX ), which has never been associated with my account. Immediately after the charge the account name and email was changed and I no longer had access to my account. 

Immediate Action Taken : I reported the incident to XXXX at XXXX XXXX  on the same day, expecting prompt action. Despite my efforts, XXXX acknowledged the fraudulent nature of the transaction only on XX/XX/XXXX and advised me to resolve the issue with American Express. 

Response from American Express : Despite providing American Express with evidence of the fraudulent transaction and the discrepancy in billing information, the charge was rebilled to my account. The billing address used for the fraudulent transaction was completely unrelated to any address historically associated with my account, raising serious concerns about the effectiveness of American Expresss fraud detection and prevention mechanisms. 

Current Status : Both XXXX  and American Express have failed to provide a satisfactory resolution, leaving me with an unjust charge and a serious breach of my personal and financial security. 

Requested Action : I am seeking the CFPBs assistance in investigating this matter and ensuring that : American Express reverses the fraudulent charge of {$1600.00} and improves their fraud detection systems. 
XXXX is held accountable for their delayed and inadequate response to the security breach and fraudulent transaction on their platform. 
Both entities improve their customer service response to fraud and unauthorized transactions. 
This situation represents a significant failure in consumer protection and fraud management, and I trust that the CFPB will take appropriate action to address these concerns. 

Personal Impact : This incident has caused significant distress and inconvenience, challenging my trust in both American Expresss and XXXX ability to protect consumer interests and financial security. 

Thank you for your attention to this serious matter. I look forward to a prompt and just resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/year> I sent a XXXX XXXX  using the XXXX XXXX XXXX to XXXX XXXX in the amount of {$150.00}. It was found that this was a scam where XXXX did not deliver what was promised ( flooring ). 

XXXX has not responded to any texts or calls and has stolen {$150.00}. 

The issue with Chase is that they are offering no protection on any transaction through their mobile app stating all transactions that are done via XXXX  are the same as giving someone cash. 

I fully reject this statement. There is a level of trust through Chase with their customers using their app thinking they are protected when they indeed not. The Chase XXXX  also shows if the recipient is signed up with XXXX  which also implies the user is trusted. Overall, this is extremely misleading for chase mobile customers. 

Chase and XXXX are knowingly allowing criminals to use their apps with no regards for their customers. This needs to end and they need to held accountable. 

I also know that JPMorgan Chase is threatening to sue the CFPB https : XXXX Keep fighting for the people and not the titans of industry. They are NOT doing the right thing!
Consumer complaint received 2024-08-05
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CO)

This bank is the devil, there is a lot of fraud and shady practices going on in this bank, this bank hand my address wrong on file, listed as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX, they have compromised my personal information and now after there was fraudulent transactions on my account, they dont want to take responsibility for their mistakes. 
They have also had me send XXXX police reports to have my claim denied again, They also took money from me on XX/XX/XXXX and i found my checking account withdrawn by XXXX randomly, this was witnessed by the branch on XXXX, XXXXXXXX XXXXo. 
The branch XXXX himself said that the organization did me wrong, for the second time. 

Ive been humiliated for this company and im forced to file numerous police reports and to lose a lot of time, they are not even looking at the information im providing them, they are taking XXXX day after i file a claim re-opening, XXXX tired and drained out, this a bank that has a lot of fraud and shady practices going on, they should be held accountable for what they are doing, the representatives on the phone seem to give me different answere and there is something fishy going on each time i call on the phone, they always seem to contradict themselves. 

I have told them to leave my address as it is on file because they had it wrong until i had proof that it was right, when i went to the bank they had changed it, thank god i already had the proof on a check. 

They have treated me with immense cruelty, and have left me starving XX/XX/XXXX, they have let me starving for XXXXXXXX XXXX while making XXXX dollars available balance available and then taking it out the next day for a perfectly liable check. 


This bank has treated me like trash and have dangled between discrimination and treating me worse than they could treat a criminal. 

Attached is my address writing wrongfully on a check. And the police reports that i filed and they were denied about Keybank
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

My monthly payment has been separated into multiple payments. It also does not match the payment plan I selected and that was approved. I can not get ahold of anyone by phone and I submitted an email contact form. There was multiple messages by phone and on the website trying to dissuade me from contacting them, because there is too many people trying to contact them. If they do not have adequate customer service and systems to collect payment fairly and reasonably, how can I be forced to pay them?
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-27
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-07
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. (NJ)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
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. (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.

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 inructions 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. 

These are the inquiries which should be off from report.
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. (VA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-06
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. (CA)

XXXX XXXX account Account has been reaged several times- evidence attached. 
Account is inaccurate and incomplete Also a charge off receiving an XXXX XXXXXXXX write off Also, in collections And account was also paid by the XXXX XXXX in the finance charge This is corporate FRAUD.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

I am filing this complaint to formally dispute the reporting of my bankruptcy details by LexisNexis and to raise a serious concern regarding the unlawful sharing of my personal information with unauthorized third parties. Despite having a security freeze on my credit report, LexisNexis disseminated and possibly sold my personal data without my authorization, violating multiple privacy laws. 

Details of the Disputed Entry : Bankruptcy Filing Number : XXXX Court Name : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Filing Date : XX/XX/year> Source : Record Source XXXX, XXXX XXXX XXXX Basis of Dispute : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the most accurate and complete data representation in my credit report. The FCRA mandates strict guidelines for furnishing and managing consumer information, ensuring that consumer reporting agencies and data furnishers uphold the integrity and privacy of consumer data. 

Violation of GLBA : The Graham-Leach-Bliley Act requires financial institutions and their affiliates to notify consumers about their information-sharing practices and to comply with the consumers right to opt-out if they do not wish their information shared with third parties. It also imposes a duty to protect information against unauthorized access or use. 

Unauthorized Sharing and Selling of Personal Information : I have not granted LexisNexis, or any entity, consent to share or sell my personal information stemming from my bankruptcy record. This unauthorized dissemination constitutes a violation of my privacy rights. 

Statement from the XXXX XXXX XXXX Tennessee Bankruptcy Court : The XXXX XXXX of Tennessee has clarified that bankruptcy courts do not provide information directly to credit reporting agencies. Information on bankruptcy cases is sourced from public records by the agencies or their data providers. Once a case is filed, it becomes a part of the courts permanent public records.