davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

On todays date of XX/XX/2023 and got a notification from XXXX XXXX. Its a service that lets me know when accounts appear on my credit report. So today I got a notification that an account called LVNV Funding that I never contacted before or have any business with them put a negative remark on my credit report stating I was late for a payment. How could I be late when I dont even know who this business is nor have I ever dealt with them. This is a fraudulent account and needs to be removed asap. I need to be reimbursed for my credit reporting getting negative remarks from this account. This is hurting my well being knowing this account is there hurting me. I was trying to go get a vehicle today and now XXXX cant because of this account. Its on all three of my credit bureau accounts as a collection. Please help me get this removed because its a fraudulent account
Consumer complaint received 2024-01-11
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (CA)

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 2023-03-07
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: Frontline Asset Strategies, LLC (FL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 ( a ) ( 2 ) ( i ), 15 US Code 1666 b ( a ), 15 US Code 1681 e ( b ), The credit bureau are breaking the law and violating my rights.
Consumer complaint received 2024-01-11
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. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of XXXX XXXX.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

I am writing to update/correct my personal information on file all personal info is incorrect Please inform EQUIFAX to remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 


I WOULD also like all phone numbers deleted that are not associated with me anymore .The phone numbers being reported are incorrect. 



Please update my address toXXXX XXXX XXXX XXXX, XXXX XXXX Please update my phone number to : ( XXXX ) XXXX
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Requested General Purpose loan for {$45000.00} from XXXX XXXX XXXX in late XXXX. XXXX  transferred {$44000.00} to USAA on XXXX XXXX XXXX using ACH trace number XXXX ; however, loan proceeds went to the wrong account owned by another account holder at USAA due to a clerical error. Funds were sent to USAA account ending in XXXX ( unknown account owner ), rather than my account ending in XXXX ( owned by XXXX XXXX XXXX ), which matches the name on my XXXX  account where the transfer originated. 

I noticed the funds were sent to the wrong account o/a XXXX XX/XX/XXXX  and I called the XXXX, who completed a " stop payment and reissue. '' I followed-up with the XXXX  and USAA in several phone calls over the subsequent days, weeks, and months, and a summary of the outcome from those calls follows : Initially the XXXX  advised 7-14 days to process the stop payment and reissue. Shortly thereafter, it advised XXXX needed to conduct an investigation expected to take 60-90 days which began on XXXX. I followed-up with weekly phone calls to check on the status of the investigation, and the XXXX didn't have any updates through XXXX. I pressed for an actionable update after 90 days elapsed and XXXX advised on XXXX its investigation was complete and it would re-issue the funds within 5 business days. I called on XXXX to check on the transfer status and XXXX  advised it had not re-issued the funds and I needed to contact Dept. of Treasury for further action. 

I called Treasury on XXXX and spoke with Agent # XXXX who advised XXXX contacted them on XXXX and Treasury sent an inquiry to USAA, but had not received a response. I followed up with Treasury on XXXX and USAA still has not responded to Treasury 's inquiry regarding ACH Trace number XXXX. 

I have submitted three disputes with USAA regarding its failure to respond to Treasury inquiries ( USAA disputes on XXXX, XXXX, and XXXX ) without resolution. USAA refers back to the originating institution ( XXXX  ), but XXXX  has already forwarded the transaction reversal to Treasury and action remains unresolved with USAA. 

USAA is enabling a federal felony by not recovering funds erroneously deposited into account ending in XXXX so they may be re-issued to the proper account holder, XXXX XXXX, with account ending in XXXX.
Consumer complaint received 2024-04-19
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-04-19
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)

To whom this may concern I have been dealing with XXXX XXXX XXXX for XXXX of last XXXX  they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MIDFIRST BANK (TX)

Midfirst Bank has allowed my ex-husband to fraudulently report me as a person on his account. I have no access to this Midfirst bank account and I have NEVER EVER lived at XXXX XXXX in Oklahoma, ever. It is not my account! Even though I have disputed this address as NOT being my own, Midfirst Bank as well as XXXX  ignore the facts and continue to let this FRAUDULENT activity with my information continue.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

I hold a Costco Credit Card with Citi. My Costco membership expired and I do not want to continue as Costco member. Citi now told me, they will close my credit card soon. 

I don't want to lose the credit history on my credit report and also have a decline of the approved credit limit. I am afraid that will hurt my credit score. 

So I asked, whether I can switch to another credit card product of Citi. The agent told me to apply for a new credit card. This doesn't really help me, as I would have to go thru a new credit check, would still lose my old account and the connected history and credit limit. It sounds like, Citi wants to maximise the number of accounts it has, just like XXXX XXXX used to do. 

I also would like to get reimbursed the bonus I have accumulated so far this year on the credit card. This is money I earned and Citi does not want to pay that out.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

I opened the account with TJX Rewards Mastercard in about late XXXX, XXXX. Used the card twice. Never carried it around with me nor gave anyone access. By the second statement, card showed about a {$200.00}. balance because of a hotel charge in XXXX, XXXX, a place I've never been. I reported this as fraud. I kept getting statements showing the balance. I used the card only once more for about {$120.00}. and paid this in late XXXX, XXXX. Talked with customer service reps numerous times about statement showing the correct balance, which had been paid off. They charged me late charges and interest. As of XXXX XXXX, XXXX, I asked to speak to a supervisor and asked that the card be permanently closed. I did not receive verification of this and continue to get statements, still showing a credit balance, which has not been paid to me as of XX/XX/XXXX.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 



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 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

I had a personal trainer agreement with XXXX, which I choose to end under the terms of the contract. I completed the online ONLY cancellation form, talked/texted with the fitness manager shortly after submitting the form, who agreed to cancel. I paid the requited half of the total amount due via monthly payments. XXXX tried to make me pay the entire amount after meeting my obligation.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NC)

According to the Fair Credit Reporting Act XXXX XXXX XXXX Sec XXXX - " 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 '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. GOLDMAN SACHS BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. GOLDMAN SACHS BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, GOLDMAN SACHS BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. GOLDMAN SACHS BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years.

This account is an adverse item they are reporting again without my permission which is against the law.

15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures.

Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2018-10-10
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. (FL)

On XX/XX/XXXX i reached out to XXXX XXXX XXXX XXXX via XXXX XXXX. Our emails looks legit on their part, being that they explained to me somebody was staying in the home and to look online. ... we proceeded the conversation via text message ( unfortunately i blocked and deleted their number/messages when i figured Chase Bank had my back after explaining my story several times, before and after they withdrew the {$75.00} non refundable dollars! ) so why would Chase not stop the pending transacation? - I was looking to see the inside of the home for rent, physically not online. I had expressed this several times. When we text, i was told they had multiple properties like the one of my interest in that area, so i was instructed to fill out the online application, so that they can have my information to view the property. Like I told Chase, ive done this with another company and they didnt allow the charge to go through and i happily saw their property. Now after i filled this app out, they proceeded to tell me again to go online and i could now pass by to see the outside of the home, bc they have a person renting weekly, Really!? I expressed to the housing company my concerns in the pending transaction and how it looks shady ( they assured me it wont go through! ), i called chase to inform them about it. They told me to wait a few days, then call back if the transaction went through. It did, so i called chase to report a claim, so they have notes before and after the transaction cleared! On XX/XX/XXXX ( my birthday ), the {$75.00} was refunded to me, then XX/XX/XXXX hits and the money is taken back out of my account. I called Chase to see why and i could barely hear the man explain to me why, he then proceeded to tell me to contact the merchant? I definitely had done that already ( duh ), and theyre the scammers!! Like Im leaving this bank! In XX/XX/2018 i reached a settlement in taking my name off the house i owned with my Father, I had a traumatic experience that forced me to move out and remove my name. That money was 100 % legit and i was 100 % broken when i cashed it, its not like I didnt tell them where it came from! Without notice on a XXXX Friday! My account was locked, they closed my card ( i had to get a total new one! ) i was so hurt bc i hated that i had the money honestly and now i have XXXX accusing me of fraud. Spent a whole week borrowing money that i had, and was even more humiliated after already being a victim to liers. This was the XXXX XXXX XXXX in XXXX XXXX. My XX/XX/2018 experience with Chase and my money XXXX, so Im forced to let this money dry up And take my monies elsewhere. Thank you for hearing me out. People need to be aware of chase, especially when you have money constantly flowing in and out of your account ( s ). I NEVER had these issues banking, EVER! Im running a small business and I dont trust Chase Anything anymore. Im out.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR XXXX
Consumer complaint received 2024-09-08
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. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.