davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2024-06-02
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

My husband deposited his payroll check thru ATM on XX/XX/2023. He said after the machine took his check the screen went blank & said error & gave him his card back. On that Monday the XXXX we checked online to see if money/check got deposited, it did not. So he called our local bank late afternoon before they closed. The manager took his name & # & said ATM person was not working that day but would be in tomorrow & would call him. 
She never called. I called again to local bank on Wednesday XXXX & got recording saying they could not answer their phone. I messaged the US bank thru XXXX & they said they got a hold of my local bank & they were short on help. After this my local bank finally called me saying that the ATM person " tried to reach out to my husband '' - he never got call or voicemail. The manager told me they could not deposit the check even though it was found in the ATM & the ATM messed up. The ATM is handled by a 3rd party. He said the check was in dispute & had to be investigated & he expected it to be deposited by weekend. I also called XXXX # two different times & was told same thing the check could take up to 10 days to be put in our account, the first call we got disconnected even though my phone still showed we was connected but all of a sudden no one was there, on the second call the woman hung up on me. I tried to call local bank AGAIN on Saturday XXXX before they closed & no one could answer their phone. As of XXXX check has NOT been put in our account. I messaged them again on XXXX & someone is suppose to call me on Tuesday XXXX so I can file a complaint with them.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-09-19
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. (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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently looked at my credit report and there seemed to have been some changes on a Capital One charge off account from XXXX. I have disputed this account in XXXX because of reports that is still showing charged off in XX/XX/XXXX when I paid the account in XX/XX/XXXX which is an error. I also took measures to email the CEO, XXXX XXXX on XXXX, and XX/XX/XXXX at an attempt to resolve this matter and was met with no response for all three attempts. As of XX/XX/XXXX XXXX showed me the account that was negatively impacting my score and suggested I reached out to the lender, which is Capital One. I called the Capital One customer service line XX/XX/XXXX. I spoke to an account representative to try and resolve the issue and to see what information specifically was being reported. I wanted to file a dispute about the information reporting to my credit and the representative made me aware that my dispute that I had submitted from a year ago, XX/XX/XXXX had was showing still in progress so they did not let me move forward submitting a current one. I asked to be transferred to their supervisor in hopes of getting answers why a disputed I submitted a year ago was still being investigated. The supervisor could not provide me with any helpful information and suggested that I reach back out to them on the dispute I submitted a year ago, I was not reassured that I was going to get any help with a contact back or when I should expect for the issue to be resolved. I feel like because this issue was not resolved properly with Capital One a year ago and is the reason why my credit report is being adversely affected. The dispute has been in the system for well over 30 days and I am feared that my personal information is at risk due to the lack of security and urgency for my issue.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Below is what i originally sent Chime Bank with Images of the fraudulent activity, I followed up with an email from XXXX showing that they indeed acknowledged unauthorized transactions had occurred. They sent me no copies or reasons why i would not be refunded my money. 

I had fraudulent charges on my XXXX account on XX/XX/XXXX and XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX when I first noticed it and they told me to change my password and theyd escalate it to investigative team. 

On XX/XX/XXXX I noticed another unauthorized charge and called again, this time they helped me remove my payment methods from their system, put my XXXX account on hold and said they would add it to on-going report. 

I received an alert that the ipad air ordered on XX/XX/XXXX had been delivered and called XXXX again, this lady was not aware of previous reports but promised to send me a follow up email, I asked for a case number and she couldnt provide. 

I took as many screenshots of the XXXX transactions I could, they are going to XXXX separate NY addresses. 

The charges are for XXXX and XXXX. I do not know anyone in New york and I have never sent anything there.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

Amex closed this accounts during XXXX XXXX and despite the legal harassment, I went ahead and did more than a settlement asking the legal team to delete these account from the reporting as they were a third party, this did not happen and for the next XXXX years whenever i dispute these account Amex in their history put it as a fresh charge off .I am attaching images of XXXX, XXXX and XXXX where the historic data clearly shows as a XXXX and XX/XX/2023 charge off, whenever i apply for a credit card or loan, this shows as recently delinquent account instead on XXXXThis is just not acceptable hence raising a serious complaint to CFPB
Consumer complaint received 2023-12-20
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: GOLDMAN SACHS BANK USA (WA)

This is regarding XXXX XXXX ( charged {$650.00} out of {$1300.00} on XX/XX/2023 ). 

This dispute is for XXXX of the XXXX charges associated with the same online Apple order # XXXX ; the other charge, the first charge out of the XXXX, is the transaction in dispute in apple card Dispute XXXX ( charged {$740.00} out of {$1300.00}, on XX/XX/2023 ). 
Thus, this {$650.00} is the other half of the {$1300.00} amount charged by Apple associated with the online Apple order # XXXX ( see page XXXX of this letter screenshot of the apple order showing {$650.00} credit was given at the time, which apple is now charging ). The {$650.00} credit was given as part of a trade in program but the credit was applied to XXXX XXXX order # XXXX. But as I stated in Dispute XXXX ( disputing the first half, {$740.00} of the XXXX ) I RETURNED THE APPLE XXXX FROM THE ORDER so there should be no reversal or charge related to the trade in credit which is the reason apple charged me {$650.00}. I returned the XXXX XXXX XXXX XXXX XXXX in the XXXX order so ALL of the {$1300.00} should be refunded to me, including the {$650.00} from this dispute ( XXXX ) and the {$740.00} from the Dispute XXXX XXXX 
Please see page XXXX of this letter where I attach the XXXX prepaid return label that apple gave me. 
Please see page XXXX of this letter where XXXX tracking shows it was received by Apple. 
Please see page XXXX of this letter where the Apple representatives confirm over text the warehouse has received the merchandise return and also see page XXXX where I filed the police report they told me to because apparently their warehouse lost my return because XXXX says it was received by Apple. 
SEE PAGE XXXX where the apple representative tells me the {$740.00} + the {$650.00} instant credit will ALSO be refunded. 
I am owed the {$650.00} in this dispute XXXX and the {$740.00} in dispute XXXX, because BOTH are charges related to the same Apple order WHICH I RETURNED TO XXXX on XX/XX/2023 WELL WITHIN THEIR RETURN WINDOW. 

I am filing this complaint against Goldmans Sachs because Apple should NOT have been able to charge me even more money for the same order I put in dispute, and I told goldmans to put both of these transactions in XXXX dispute but clearly goldman is not taking my word for truth because I am XXXX and have XXXX last name, discrimination against me will not stand, the XXXX tracking shows apple received my return XXXX tracking says Signed for by : A.PPLE and it is Apples own prepaid return label that directed this delivery of the return. If their warehouse lost it, it is not my problem or fault. My money is still owed to me under the XXXX for my proper return. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (CA)

I want to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. The following company, along with the credit reporting agencies, is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non-repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 USC 1681c-2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one auto finance reported to credit bureaus that my total loan balance increased by {$52.00} This affects my score it dropped i disputed this NOW theyve reported that my balance had gone up by {$120.00}!! Ive never missed a payment always pay more than required agent keeps saying interest accrues daily i KNOW that! Been paying several years this has NEVER happened balance should steadily GO DOWN not up! Agent says youre all paid up nothing due till XX/XX/XXXX BUT we got your payment but didnt post it until blah blah so somehow the extra $ i paid just vanished agent talks in circles doesnt really say anything and DOESNT explain WHY they keep increasing my loan balance! What is happening to the extra money i always send? Why is this all of a sudden happening?? If they keep adding to the balance even though i dont miss payments and always pay more HOW will i ever pay it off?? Also ive requested paper billing several times and have not gotten it Agent told me XX/XX/XXXX  she would email me the information and did not The online statement doesnt show how much interest each month only total paid to date doesnt break down principal/interest I want paper billing and i want them to STOP reporting my balance increasing every month!! They reported balance DOWN by {$120.00} then changed it NEXT day to UP {$120.00} WHAT is going on with this company??
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/23, I attended a time share presentation at world mark in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in exchange for free gifts. During the presentation I was harassed and pressured to complete an application to get a pre approval so that they can present me with package options. This was the only way they would give me the gifts despite that It was never disclosed when I agreed to attend the presentation. 
I asked the associate that it looks like Im applying for a credit card and he said no its not. Well to my surprise after the presentation I ended up with an inquiry and XXXX Credit cards! This is fraud! I called the resort afterwards and asked, if I attend a presentation do I have to apply for a credit card and there response was no absolutely not! Which is a lie! One way or another theyre either having customers leave the presentation with a worthless time share package or credit card without your knowledge! At no point did they say I applied and was accepted for credit cards! 

The inquiry showed up on my credit report as BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Below are the two credit cards that showed up on my credit report : BARCLAYS BANK DELAWARE Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account type : Flexible spending Account Credit limit : {$15000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX Account type : charge account Credit limit : {$9200.00} Credit card was contacted about the cards opened without my knowledge and they gave me the run around and didnt address the issue.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (TX)

I have been submitting multiple dispute letters to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have be corrected : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$610.00}.