davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IN)

I cashed my tax refund check with my chime account and after they approved it they locked my account and I have sent in documents showing it was a refund check and they still won't allow me access to my money. This has caused major problems due to me not having my money to feed my kids, pay my mortgage and run my business. I hav emailed them on XX/XX/XXXX, and XX/XX/XXXX and sent in documents again today and I call every day and they just say they will escalate the issue and I never hear anything back. 
The bank is Chime.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct 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 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 an 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally dispute inaccurate information that is being reported by your company in my consumer file. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information and have the right to be notified when such information is being furnished or used.

**Details of the Dispute : ** - **Account Number/Reference : ** XXXX XXXX XXXX XXXX XXXX  Upon reviewing my consumer report, I found that the above-mentioned information is incorrect. The details provided are either outdated, incorrect, or completely irrelevant to my financial history. Furthermore, I was not given any prior notice or opportunity to dispute this information before it was furnished or used, which constitutes a violation of the FCRA.

**Violations of the FCRA : ** 1. **Failure to Provide Notice of Furnishing Negative Information : ** According to 15 U.S.C. 1681s-2 ( a ) ( 7 ), a furnisher of information must notify the consumer of any negative information that is being reported to a consumer reporting agency within 30 days. I did not receive any such notification regarding the information in dispute.

2. **Failure to Conduct a Reasonable Reinvestigation : ** Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute from a consumer, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that no such reasonable reinvestigation was conducted concerning my dispute.

3. **Reporting Inaccurate Information : ** The FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), mandates that furnishers of information must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The information being reported in my file is demonstrably inaccurate.

4. **Failure to Disclose Information : ** According to 15 U.S.C. 1681g ( a ), I have the right to be informed of all information being reported about me. The failure to provide complete and accurate disclosure of the information constitutes a violation of this section.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-05-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I have been in contact with Aurora/Nationstar/Mr. Cooper for many years. Knowing what I know now I never would have had anything to do with an adjustable rate mortgage. I do not know how you can have one mortgage that describes both types of mortgages anyway, fixed and adjustable rate. I reached out to a company that helps people in my situation. They say I qualify for their help but Mr. Cooper refuses to accept them helping me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/year>. I had made a transaction with XXXX using a credit card. Instead they put it through my bank account. They started the problem. I called them and they advised me to contact the merchant and request them to refund the transaction to avoid an issue with the payment to the bank. I did this and the transaction was refunded by the merchant to XXXX and showed refunded XX/XX/XXXX. I heard nothing more after until today. Suddenly my bank account was hit for the funds even though it was makes refunded. I then called my bank to stop payment and they said they couldn't but filed a dispute. However, they tell me it will take up to XXXX business days to resolve. In the meantime they will not allow me a conditional credit and will therefore bounce my payments made for tonight and ongoing. They do not care about the effects on my credit because of this. My brother was able to XXXX XXXX  but this is inexcusable!
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2024-01-24
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I have sent certified letter multiple times to XXXX  who contunues to ignore them and remove fraudulent and unauthorized inquiries from my credit report. and I do NOT have an open acct with XXXX XXXX please remove
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (NC)

Subject : Notice of Adverse Action Due to Furnished Records Without Consent I am writing to formally address a serious concern regarding the recent furnishing of my records by Checkr without my explicit consent. This action has had a direct and significant impact on my professional life, resulting in the loss of a valuable employment opportunity due to unsubstantiated allegations contained within those records. 

On XX/XX/year>, I was informed by XXXX that they received records from Checkr, which they relied upon to make an adverse employment decision against me. I was neither informed of the existence of such records nor did I provide any authorization for their release to any third party, including XXXX. The allegations contained within these records were both unexpected and unverified, and as a result, I was denied the position. 

This action by Checkr not only violated my rights but also caused significant harm to my reputation and career prospects. The lack of consent and notification deprived me of the opportunity to address or refute the allegations, resulting in undue prejudice against me. 

In light of this situation, I request the following actions from Checkr : Immediate Rectification : Provide a detailed explanation of the records furnished, including the source of the allegations and the rationale behind the unauthorized release of my information. 

Formal Apology : Issue a written apology acknowledging the error and the impact it has had on my employment prospects. 

Cease and Desist : Immediately cease the release of any further information about me without my explicit written consent. 

Reparations : Offer appropriate compensation for the financial and professional damage caused by this action. 

Preventive Measures : Implement measures to ensure such unauthorized disclosure does not occur in the future, and provide a summary of these measures.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As of XX/XX/2023 bank of America has denied my claim for the money that was stolen out of my account while I was in the hospital. I've sent them documents proving my claim as well as provided them with a police report They denied my claim with no legit reason ad to why my claims were denied. I was not given provisional credit either and not given a reason as to why not. Please help me I am going to loose my place to live and more
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not have anything showing on my credit report as me having an unpaid debt. But I keep getting calls from what looks like to be a company called Portfolio Recovery. They use different numbers and call me multiple times a day, everyday. Theyll leave a message once in a while, saying that they are calling for debt collection. I should not have anything in collections.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on mu report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with LVNV FUNDING LLC. I do not have a contract with LVNV FUNDING LLC. They did not provide me with the original contract as requested.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, 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 number : XXXX has violated my rights. Or 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 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ATLANTIC UNION BANKSHARES CORPORATION (SC)

Lienholder : Atlantic Union Bank, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX This vehicle is no longer owned by me and I would like to stop the monthly loan payment of {$560.00} effective XXXXXX/XX/XXXX2024. ( loan ending in XXXX and balance of {$18000.00} ) I was XXXX in XXXX, XXXX in XX/XX/XXXX and my vehicle became the property of XXXX XXXX on XX/XX/XXXX. This transaction occurred as described in a registered letter sent to me and to the bank in XX/XX/XXXX. The towing company was allowed to sell the vehicle per XXXX XXXX XXXX to recover impounding charges. I have never missed a loan payment and have paid in excess of {$12000.00} since the vehicle was taken from me and sold by the towing company. I no longer receive statements showing my loan balance from the bank. They called to inquire about reposessing the vehicle in XX/XX/XXXX and were lied to by the towing company saying the vehicle was wrecked and in bad condition. I have a copy of the sheriff 's report stating the vehicle was in good condition when it was impounded and have shared this with the bank. Since i was XXXX i could not pick up my vehicle and the towing company would not let my family pick it up either. I am on a XXXX XXXX XXXX XXXX and make only {$1700.00} income.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

I requested verification of debt from LVNV Funding LLC, however ; they did not provide it. They said the XXXX XXXX was XXXX XXXX. However ; they did not provide a signed signature of mine from XXXX XXXX showing the amount of this debt. I have made payments for this XXXX XXXX card over {$5000.00} and they have provided me with no receipt. No record of payments made to the credit, no records of missed payments. They are a scam and XXXX XXXX and XXXX refuses to remove this credit from my credit report and has provided no details as to why.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

CBE group continues to call me XXXX times a day XXXX days a week. They never leave a voicemail and I have spoke to them multiple times asking them to send me information about the debt and to stop calling me over the phone. I told them I will not confirm any of my personal information over the phone as I dont know who they are or what the calls are about and for them to send me a validation letter about the debt and I will be happy to contact them to speak about it if it is valid. They refuse to send me anything and continue to call me. They are not following the laws and if needed I will be getting an attorney.
Consumer complaint received 2023-08-17
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: AMERICAN EXPRESS COMPANY (WI)

I am writing to lodge a formal complaint against American Express Company for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. American Express 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on American Express 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, American Express 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.