davidheineman/consumer-finance-complaints-large huggingface dataset:
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 (CT)

I am writing to formally dispute a charge on my Barclays XXXX XXXX XXXX, that my credit card company has as a chargeback denial. Below are the details of the disputed charge : - Charge Amount : {$330.00} - Charge Date : XXXX XXXX, 2024 - XXXX : XXXX XXXX On XXXX XXXX, 2024, I purchased round-trip tickets for XXXX individuals using my Barclays XXXX  XXXX XXXX XXXX On the day of our return flight, XXXX XXXX, 2024, my son became severely ill and was unable to fly. Due to his condition, he needed immediate medical attention and could not travel to the airport. As he is a minor, an adult had to stay back with him. 

I contacted XXXX XXXX and requested that the return leg for XXXX individuals be changed to the following day. We were assured by XXXX XXXX that we would receive a refund of {$330.00} for the return leg of the journey for the XXXX individuals. New tickets for the following day XX/XX/2024 were purchased using a different credit card. 

After a week, I noticed that the refund had not been issued to my Barclays XXXX XXXX XXXX. I contacted XXXX XXXX, who confirmed that the refund had been processed on the same day and suggested that I check with my credit card company if the refund had not been received. 

Upon contacting Barclays, I was informed that there was no record of the refund and requested I contact XXXX XXXX to obtain a transaction ID. After providing Barclays with the transaction ID I initiated a dispute. However, after XXXX  days, Barclays informed me that XXXX XXXX stated the charge was legitimate and that my child had traveled on the original date, providing an itinerary as proof. 

I appealed this decision, clarifying that it was another child who traveled on the original date and provided the new flight information for the child in question, which was purchased with another credit card. As well as chat correspondence between myself and XXXX XXXX XXXX agent who confirmed the date, amount and confirmed the last XXXX of the XXXX the amount was refunded to as well as provided the transaction ID. Despite this, Barclays denied my appeal, stating that they could not issue a refund. 

Given the circumstances and the evidence provided, I believe the charge of {$330.00} should be refunded. I request that Barclays review this case once more, considering the documentation from XXXX XXXX confirming the refund and the new flight information proving the change in travel plans. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-26
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. (IL)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2024-09-03
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Recovery Services Inc. (LA)

The company has listed several different collection accounts on my report. I offered to pay different ones and requested after payment they removed it from my report. They said they would only treat it as one balance and will not remove anything until I have paid the balance on every account. I explained to them they have it listed as separate accounts so I would rather treat it as a separate account.
Consumer complaint received 2024-08-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXXXXXX XXXX XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected.

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX XXXXXXXX I appreciate your attention to this matter and look forward to a swift resolution.

Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

According to 15 USC 1681b The law states that You have to give them written consent to furnish your information and or obtain your information to be reported on your credit report. Well I have not given them any type of permission.
Consumer complaint received 2024-06-26
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. (NY)

TransUnion, XXXX and XXXX are all in gross violation of my rights as a federally protected consumer pursuant The Privacy Act of 1974 and FCRA. 
They continually report transactional history which is prohibited by 15 USC 1681a.

There are also several inaccuracies across all 3 bureaus which is in violation of 15 USC 1681. They have also failed to notify me of my opt out rights and are in violation of 15 USC 6802-6805 and 16 CFR 313.7.

They are violating my privacy by making public my personal information via affiliates, non-affiliates and third party vendors plus allowing promotional inquiries. They are in violation of 16 CFR 433.1, 433.2, 433.3 " Charge offs '' are considered " certificates of indebtedness '' by the IRS and " certificates of indebtedness '' are considered income pursuant to IRS publication 4681. Therefore, TransUnion, XXXX, and XXXX are reporting my income which is not permitted. 

TransUnion ( commission file # XXXX ) XXXX ( commission file # XXXX ) and XXXX ( commission file # XXXX ) each stated within their own filings with the SEC that they would uphold the laws of The Privacy Act of 1974 and FCRA ( in addition to many other consumer protection laws ) and they are not doing so.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In the 2nd to third quarter of XXXX I contacted the CFPB because XXXX XXXXXXXX XXXX  Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX bank to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Consumer complaint received 2024-06-26
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. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-08-08
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: Experian Information Solutions Inc. (KS)

I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize : 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 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 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

Hello : In XXXX I had my mail stolen from my mailbox. I followed the police instructions, went to my bank ( Chase ) and closed my accounts and opened new ones. 

During that process, I had multiple fraudulent transactions which I had to deny. I also dug into my past transactions by signing up for online banking. I found 3 questionable transactions that I brought up to Chase and the Police. Two were quickly explained a way - a funds transfer to a wrong account that was still owned by me and a fraudulent transaction that Chase had credited me for the next day without notifying me. However, one fraudulent check for {$4100.00} was clearly an issue.

I filled all the paperwork with Chase and the police. In XXXX, my request for refund was denied by Chase because I hadn't notified them within 60 days of the transaction. I petitioned this denial citing that I didn't have on-line banking at the time, had been out of town a fair but and wasn't notified of the previous fraudulent activity that Chase had resolved without notifying me. Today, XX/XX/XXXX, I was told by Chase representative that my petition had been denied and that they would not be reimbursing me for the fraudulent activity. 

The fraudulent check had my banking information on it but was otherwise not my check- it didn't look like my checks at all. And it leveraged an older check # that I had previously used. Neither of those things were caught by Chase. My paper statements didn't show the check or the name of the person it was written to. I didn't know how to go on line and see the check image. I have lots of checks for my business and I missed this. 

I would like some help trying to get my money back. Thank You XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

I submitted a dispute for a debt with XXXX that was not mine. Experian removed that account from my report because of this dispute. Later, a debt buyer purchased that debt and recorded a collection account on my credit report. When I disputed this collection account, Experian validated the information from the debt buyer, and left the account on my record. Experian is reporting that this debt is and isn't valid at the same time.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

The following inquiries were not authorized by me and I request removal : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the removal of the collection : XXXX XXXX XXXX I am demanding the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX.
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: Experian Information Solutions Inc. (TX)

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the company website was down on the XXXX to make payment, called XXXX  they informed you will be fine if you make payment by XXXX by XXXX i have attached copy of my payment that was done before the time, called XXXX to make sure that my account was not reported late since they took the money out onthe XXXX i have attached payment conformation, i called them yesterday the account manager stated your payment was on time and you will not have no late payment reported, this am i see they reported in all the three bureaus late, they need to remove the late payment on my report or remove my account i dont want to do business with dishonest companies, i have a right to opt out of reporting if its unfair and unjust.
Consumer complaint received 2024-06-26
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. (TX)

Dear CFPB Representative, I am writing to file a complaint that Transunion has STILL failed to update my credit report to show NO LATE PAYS for the XXXX XXXX  credit card account, despite having received notice from the furnisher requesting that Transunion delete the 30 Day Late Pay ( from XX/XX/2019 ), and despite the fact that the other two credit bureaus ( XXXX and XXXX ) DID delete or change said tradeline for XX/XX/2019 to no longer reflect a 30 day late payment. 

According to the FCRA, THE BUREAU IS REQUIRED TO MAKE CHANGES PROVIDED BY THE FURNISHER AND CAN NOT KNOWINGLY PUBLISH INACCURATE AND DERROGATORY INFORMATION ABOUT A CONSUMER. 

I have provided BOTH MY XXXX AND MY XXXX REPORTS as attachments to show that Transunion is the only one that has not corrected this innacuracy. 

Moreover, I have also provided the written correspondence provided to me by the furnisher ( XXXX XXXX ) showing that XXXX XXXX contacted each of the three bureaus requesting a correction.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to you for the fifth time to dispute the inaccurate addresses that are currently listed on my credit report. Despite my previous communications dated [ insert dates of previous letters ], these erroneous addresses continue to appear on my credit profile, and no corrective action has been taken. These addresses do not belong to me and have never been associated with my personal or financial history. It is evident that there has been a significant oversight in the verification process conducted by your bureau. The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a blatant disregard for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the information they report. 

I have already provided ample documentation and evidence to support my claim that these addresses are incorrect. Your failure to address and rectify these inaccuracies is unacceptable and demonstrates a lack of diligence in fulfilling your legal obligations under the FCRA. It is imperative that you take immediate action to investigate these discrepancies and remove the erroneous addresses from my credit report. 

I demand that you conduct a thorough and proper investigation into this matter and provide me with a detailed explanation of the steps taken to verify and correct my credit information. It is your responsibility to ensure that all items on my credit report are accurate and verifiable. The continued inaction on your part suggests a serious lapse in your verification procedures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Scratch Services, Inc. (NY)

Notice to agent is a notice to principal, and notice to principal is a notice to agent. 

Dear Scratch, I received your response to my dispute, and I am compelled to address the misconceptions and violations of the Fair Credit Reporting Act ( FCRA ) contained therein. 

Firstly, 15 U.S.C. 1681s-2 holds all furnishers of information, including loan servicers like Scratch, accountable for complying with the FCRA. This section imposes a duty on furnishers to ensure the accuracy and completeness of information reported to consumer reporting agencies. However, only creditors have the authority to furnish information, as stated in 15 U.S.C. 1681a ( f ), which defines a creditor as " a person who regularly extends, or other than as a creditor, regularly arranges for the extension of, credit. '' By furnishing information related to my student loan, Scratch has violated the FCRA in several ways : - Reporting inaccurate information ( 15 U.S.C. 1681e ) - Failing to obtain my permissible purpose ( 15 U.S.C. 1681b ) - Failing to provide clear and conspicuous disclosures ( 15 U.S.C. 1666b ) These violations have caused me significant harm, including : - Lost time and effort in disputing the inaccuracies - Denial of credit opportunities - Damage to my reputation and credit score Pursuant to 15 U.S.C. 1681n and 1681o, I will hold Scratch liable for these violations, including : - Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ) - Actual damages for harm caused by the violations - Punitive damages for Scratch 's willful noncompliance - Legal fees and costs associated with arbitration Furthermore, I enforce my rights to OPT-OUT pursuant to 15 U.S.C. 6801 and 6802, which supersedes any agreement between me and Scratch. The FCRA precedes any contractual obligations. 15 U.S.C. 6802 ( a ) states : " A consumer may elect to have a financial institution not disclose nonpublic personal information about the consumer to a nonaffiliated third party. '' This means I have the right to opt out of having my information shared with third parties, including Scratch. This opt-out right is a statutory right granted by the FCRA, which takes precedence over any contractual agreement between me and Scratch. 
I request that Scratch takes immediate action to correct the inaccuracies and provides evidence of compliance with the FCRA. You can either update the account to, " Paid as Agreed '' or delete the account from my consumer report as I OPTED OUT ( Pursuant to 15 U.S.C 6802 ) Failure to do so will result in arbitration, and I will seek all available remedies. 

Sincerely