davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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. (GA)

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$86.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to dispute the information on my credit report related to the following accounts : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX Date Opened : XXXX XXXX XXXX The late reporting on these accounts is inaccurate as they have been deferred due to my continued enrollment in school. Furthermore, there appears to be a major error in reporting 90-120 days late without first posting 30 days late. I request that you verify all information for accuracy, including the completeness of name spelling and address of record. Additionally, I request the removal of late dates and an update to the negative status of these accounts. I must bring to your attention that XXXX has already removed the late dates and updated the negative status of these accounts from their records, acknowledging the error present.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NC)

Dear GS Bank USA, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part.

I extended my credit with GS Bank USA in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that GS Bank USA has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books.

It is unacceptable for GS Bank USA to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, GS Bank USA 's failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341.

I demand that GS Bank USA rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing.

Done in good faith.
Consumer complaint received 2024-02-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I have eight " Gift Card '' debit VISA cards that I purchase a few years ago. They were in a file cabinet drawer. I forgot they were there and found them yesterday. They were issued by U.S. Bank National Association. When I went to check the balance of them all but one were not accessible. The number and pin had be hacked and used by someone else. One was still accessible and had a {$100.00} balance which I promptly used to reload an XXXX card I have. I have had this problem before and it is a nightmare trying to get the money back. It's made worse due to the passing of time and credit card bills stored away from home with our tax returns. If it was an easy process I would due it. They make it very difficult and time consuming.
Consumer complaint received 2024-05-09
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hereby present the findings of my investigation. Upon careful scrutiny, I have observed that certain accounts have obtained verification. Nonetheless, I would like to raise a few inquiries with regards to the methodology employed in conducting this investigation. Were my neighbors, acquaintances, and relatives consulted during this process? If indeed such interactions occurred, kindly furnish me with the identity of the individual responsible for overseeing said investigation. Additionally, I must bring to your attention the observation I made whilst perusing the Fair Credit Reporting Act ( FCRA ). It has come to my attention that you have violated the stipulations outlined within the following sections : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, being a consumer and an individual endowed with a sound education, am cognizant of the complete gamut of rights bestowed upon me and safeguarded by the United States Congress within the purview of the Fair Credit Reporting Act ( FCRA ). In light of this knowledge, I assert that the enumerated list of accounts presented below has violated my constitutionally safeguarded consumer rights pertaining to privacy and confidentiality, as enshrined within 15 USC 1681. 


1. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Transunion and XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. TransUnion Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. TransUnion Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Bread Financial changed their banking software system as of XX/XX/24. They no longer accept bill payments from banks, personal checks or bank checks. They will only pull from your personal accounts to pay your loan. I previously was paying from my XXXX  XXXX bill pay without any issues. XXXX XXXX now is sending a printed bank check to pay the bill and Bread is not accepting or crediting me the payments towards my loan. My account is now in default, as they only pull payments from accounts. I never let anyone pull from my persoanl accounts, either I send a digital payment or check. I can't believe in this digital age a bank can change to a system which causes consumers hardships in paying their loans off. It doesn't sound right and I need assistance to get this straightened out
Consumer complaint received 2024-02-09
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: DISCOVER BANK (TX)

My wife and I planned to attend an event hosted by XXXX  XXXX and paid {$100.00} to attend the event on XX/XX/2024. The event was canceled ( or did not exist ) because we were turned around and denied entry when we showed up for the event. The merchant did not issue any refunds, and refused to acknowledge or assist with refunds. 

I disputed the charge with Discover because the merchant did not render the services we paid for, but Discover would not remove the fraudulent charges or assist me in getting a refund.
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Skopos Financial, LLC (NM)

Under Fair Credit Reporting Act 15 U.S.C 1681 this company which I applied for a loan did not furnish complete information ( reasons XXXX ) and instead stated the following " If you would like a statement of specific reasons why your application was denied, please contact our Customer Service Department ( shown below ) within 60 days of the date of this letter. " I believe under the FCRA a loan company has to furnish all the reasons the loan was denied and not just some and then force the consumer to request all the details.
Consumer complaint received 2024-02-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (OH)

Note : All collection activity described below is under my dead name, XXXX XXXX. My name was legally changed XX/XX/2021 to XXXX XXXX. 

The CBE group reached out to collect on a former college loan I held. The account went to collections because my college failed to contact me at my updated address and phone number. Upon receiving notification of the debt, I engaged with CBE and paid the full requested amount. My account on their website showed the status " Paid in Full. '' A month after I paid in full, the CBE group has attempted to collect an additional {$300.00} for " fees ''. 

Under section 807 of the Fair Debt Collection Practices Act, it is unlawful for a debt collector to falsely represent the amount of any debt. The CBE group has clearly falsely represented the amount of my debt, as they are asking for more money after the original agreement was paid in full. The CBE agent I spoke to earlier today tried to scare me into paying unverified debt by warning me that I will be charged interest for an agreement I already completed. I will file a FDCPA violation and continue to work with the Ohio Attorney General to report this false representation of debt.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

On XX/XX/2024 I received a notification from the credit monitoring from my bank that I had a new tradeline on my credit report. I checked my XXXX credit report and saw that Jefferson Capital System had added a tradeline that was the result of Identity theft that I had removed around XXXX of last year. I disputed this with the CFPB via complaint numbers XXXX ; XXXX ; XXXX. I reached out to Jefferson Capital Systems by phone today and explained to them that the tradeline that they are reporting is the result of Identity Theft and that they should remove it. They explained their company dispute process takes about 30 days and that I have to send my dispute in writing with evidence and I told them that that does not work for me because I am about to buy a car and the derogatory tradeline torpedoed my consumer report. The agent transferred me to an internal department where I spoke to a lady that told me the same thing. This does not work for me. I am reaching out to the CFPB for assistance. I have provided evidence, the XXXX XXXX XXXX XXXX mentions that when an agency is informed that non public private personal information is being reported and the consumer does not consent to this and wants certain tradelines removed the Company has up to 5 days to remove the tradeline. I need this tradeline removed in this time line.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (FL)

RE : Regional Acceptance Account Number : XXXX As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am opting out of all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have given you per 15 USC 6802. I request that you cease all reporting activities and disclosure of my information without my explicit consent. 

Additionally, I am requesting validation of the debt you are reporting on my credit file. Under the FCRA, I have the right to request validation of any debt that is being reported. Furthermore, I have the right to request verification of this debt with a wet signature. 

Please provide me with the necessary information and documentation to validate the debt, including a copy of the original contract or agreement bearing my signature. Failure to provide this information within the time frame required by law will result in the removal of the disputed item from my credit report.
Consumer complaint received 2024-07-09
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. (MI)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-05-09
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)

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. 

has violated my rights. Or a 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 2024-05-09
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 am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX Wrong addresses reporting
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2021-11-10
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: EQUIFAX, INC. (IL)

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 

I XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Went to Chase Bank to deposit XXXX USD from my parents since she knew I wanted to save up for shoes whilst also still having remaining money in my checking, and on the street there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me quickly if I banked with chase, and ushered me inside of the building where the ATMS were. There, he told me that his account was overdrafted and he desperately needed money, and handed me roughly XXXX USD, which I was still confused about since he was talking so fast. I didn't want to do anything quickly because he was significantly larger than I was, and I didn't know if he was going to harm me since he was beginning to be more impatient and started pacing around since there was a line at the singular ATM working at the time. When we were up in line, he told me to put my debit card in and the PIN and he grabbed a check from his pocket, and at this point, he hasn't told me how much he actually needed until I saw XXXX pop up, in which point I was starting to actually panic, and to my surprise, the check went through on the ATM, and he tried to initially withdraw XXXX USD from the ATM after depositing his check, to which I asked him why, and he said it was a mistake. He then told me to pull up my phone email since the ATM declined the transaction, and when I did, he reached down and confirmed that the transaction was legit, and I got freaked out from that. After that, he withdrew his XXXX from the ATM and quickly took the money and sprinted out, after that, I just deposited my money, including the extra XXXX dollars he had given me prior. A day later, the check bounced when I expected the ATM fraud detection to catch it when it went through at the atm.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/XXXX, someone fraudulently accessed my XXXX XXXX account, initiated a transferred to XXXX in the amount of XXXX XXXX XXXX, and money was picked up in XXXX, all this in a 6 minutes, the money was taken out of my checking account linked to the XXXX XXXX account XXXX XXXX XXXX stated they couldn't do anything other then reported because the transaction was completed, and once the money was picked up there was nothing they could do, and said that I needed to go thru my bank for refund, my bank stated that after the investigation was concluded the charges were valid and did not refunded the money. I was never provided any information of the investigation and I was never contacted by my Bank institution for questions or documentation about the investigation, I did follow up with my Bank ( Chase Bank ) and requested the investigation to be reopen and provided all the emails from XXXX XXXX about the transaction, but they closed they case stating that no other investigation was needed.