davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending XXXX and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in XXXX XXXX next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ROBINHOOD MARKETS INC. (FL)

I am filing this complaint against Robinhood Credit XXXX XXXX due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. 

Detailed Summary : 1. **Lack of Initial Privacy Notice : ** According to 15 U.S. Code 6803, Robinhood Credit XXXX XXXX is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with Robinhood CrediXXXX XXXX XXXX 

2. **Violation of Federal Privacy Laws : ** The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. 

3. **Improper Information Sharing : ** Due to the lack of the required privacy notice, I was not informed about Robinhood Credit XXXX XXXX XXXX policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section 6802 ( e ). As a result, Robinhood Credit XXXX XXXX has shared my personal information without providing me with adequate notice.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I submitted a dispute to the credit bureau on XX/XX/2023 regarding an alleged late payment in XX/XX/2023 on my auto loans with XXXX XXXX. The dispute was sent via certified mail along with the return receipt. I have included the receipt on the date it was mailed and the tracking information that indicates when it was received. The credit bureau failed to respond or reply and it has now been over 90 days. I have proof beyond even a reasonable doubt and certainly a preponderance of the evidence that the documents were sent and the credit bureau failed to timely reply. The XXXX XXXX loan numbers are listed below : XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase bank received a payment in a coordinated effort to steal XXXX dollars from me for services rendered. I specifically verified that all funds had been posted that day. A coordination of transactions was involved in multiple accounts. This allowed a former client to defraud me of XXXX in deposited payments for my service. Then claiming 4 days later that a " return " actually an illegal " reversal '' of charges was now debiting my account. The bank was clearly complicit in my losses including XXXX in business expenses associated with the criminal accomplice clients. They do not have the legal right to mislead and deceive their clients using defined terms unraveled to suit scammers.
Consumer complaint received 2023-09-22
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. (IL)

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 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I inadvertently double paid my balance for my Bank of America card ending in XXXX on XXXX and XXXX. Upon seeing the XXXX charge hit my bank account on XXXX, I immediately called Bank of America and requested that they refund the over-payment. They said it would take XXXX days to process. The credit on my card disappeared immediately after the call on XX/XX/year>, and my account since shows " ACH credit refund '' dated XX/XX/year>. I waited XXXX days, called on XX/XX/year> and they said that there must be an issue, and they would " reprocess '' the refund, and advised me to wait another XXXX  days. After XXXX  days ( XX/XX/XXXX ) I called back again and was told that XXXX days wasn't correct, that it would be XXXX business days. It is now XX/XX/year>, and has now been XXXX business days since that call and I still do not have a refund. 
I am now on hold with this company again. It has been XXXX weeks since they removed the credit balance from my credit card, and I still do not have a refund. I paid both payments via ACH, and asked that the refund be back to the same account from which I made the payments, and asked for the refund via ACH as I was told that would be the fastest way to receive my refund.
Consumer complaint received 2023-08-31
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)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

WEST LAKE FINANCIAL COMPANY MY WAS PAID OFF IN A SETTLEMENT NOT SEEIG THIS ON MY CREDIT REPORT, ALSO THEY HAVE REPORTED THE SAME CAR CHARGE OFF 10 TIMES ON MY XXXX  REPORT HOW CAN THE SAME CAR BEEN XXXXHARGW OFF 10 TIMES.
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I was a XXXX customer from XXXX XXXX XXXX  when I cancelled their service due to a drastic reduction in download speed, due to the busy tourist season in this area. The entire time I was a XXXX  customer, my monthly payment was auto-drafted by XXXX, from my XXXXXXXX XXXX Acct ( see attached ). After I cancelled in XX/XX/XXXX, XXXX sent me an empty, addressed return box for their equipment, which I gladly returned, and I called XXXX  on XX/XX/XXXX to verify that they had received the return of their equipment. On XX/XX/XXXX XXXX auto-drafted my account XXXX. I called XXXX and they confirmed that it was erroneous charge. XXXX reversed the charge. For the next 6 months, every month XXXX auto-charged my XXXX account XXXX, then XXXX then XXXX. With each autodraft, I called XXXX  to verify that I did not owe them, and I called XXXX to reverse the charge. Finally, in XX/XX/XXXX XXXX put a block against XXXX  so that they could not autodraft my account any more. At that point, XXXX turned the erroneous debt over to Eastern Account System, a debt collector and I began calling them and asking them to produce a detailed bill from WOW, describing what " services '' that they provided to me that I owe them XXXX. To date, neither company has complied with my request for a detailed statement of the " services '' that they claim I owe them. At one point in XXXX, XXXX  told me to contact another company, XXXX XXXX and when I spoke to them, they said that they had a note to send me a " refund check for the erroneous equipment charge, '' but they confirmed that I never cashed any check from them, and that they had voided the check. I called XXXX and Eastern Debt Collections and explained this to them and asked them to please look into this. As of XX/XX/XXXX, XXXX at Eastern Debt Collections refuses to ask their customer, XXXX, for a detailed statement of the services that they are billing me for and XXXX refuses to send a detailed statement and now refuses to discuss the account with me, even though I provided my name, address, acct number and last payment date. At this point my credit score has dropped from an XXXX to XXXX as a result of this single, monthly negative report from Eastern Acct Systems on behalf of XXXX. With this harm, I am no longer in the position to purchase a newly built house due to the higher interest rate that the low credit score offers. According to the credit report, they intend to continue reporting this negative every month till XXXX of XXXX. Note that there are no other negative creditors on my report. The CFPB should look into these XXXX companies for their disregard of the Fair Practices and Debt Collection Rules.
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. (IL)

To whom it may concern, Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
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. (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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$9.00} ; XXXX XXXX Balance : {$18.00}.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called my credit card Capital One and essentially set up a payment plan so my credit would not be affected or have any late dues, as I could not pay the $ XXXX  monthly minimum fee they started requesting out of no where. I agreed to pay {$400.00} a month for XXXX months auto pay and theyre still trying to charge more and even adding on late fees. This agreement was supposed to set my minimum temporarily but theyre still saying I need the full amount ( XXXX plus ) plus the agreed upon amount, when it was supposed to be in place of. Its hurting my credit terribly and anytime I have called no one can help me further. 
If I could pay XXXX monthly on the card I wouldve already so Im not sure why the payment plan is even set up.
Consumer complaint received 2023-04-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

It's just so disappointing to get rejection after rejection with trying to get my credit approved. It's even more disappointing that I've been ignored with my request to remove all the inaccurate information in my report. I am utterly down because of this and I haven't seen any more reason to keep moving forward because I get rejected no matter where I go.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NJ)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1983 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New Jersey XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

My school misconduct application was approved, but I was not refunded the amounts paid into those fraudulent loans. I would like a full refund of all money paid into the loans that were XXXX due to school misconduct. I was given a refund of all amounts paid into my federal loans from the same school via the XXXX vs. XXXX lawsuit and feel that the same actions should be taken by Navient as well. I have documentation of all amounts paid and can provide them should they try to say they do not have this information available. I have screenshots from their website before the loans were XXXX as well as bank statements showing all payments made to Navient on those private loans over the past 14 years.
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. (NJ)

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.