davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-22
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)

I have a place of residence in XXXX XXXX, FL. I also manage a business from this residence. In recent months before XXXX, i was in and out of the state due to my grandma being XXXX. Unfortunately she had passed in XXXX which i departed in the first week to my country leaving behind my Florida phone and accounts. I recently returned ( XX/XX/2024 ) and noticed my business phone along with my notepad of information was missing. I contacted the police and filed a report and reported a plethora of unauthorized charges on ALL my cards linked to my phone. The most used merchant was XXXX XXXX. I called chase made a claim and also submitted the police report. I explained it was possibly one of my workers and advised my icloud email was also compromised where most of my information was stored. i requested for new cards and new login information. After a few days i was told my claim was denied due to an issue that the first XXXX noted that was not valid. He did not report my phone was taken and not in my possession. I spoke to a supervisor " XXXX '' where she reopened my claim with all the correct information. Unfortunately it was denied again even after submitting the police report and everything else. I contacted chase again, where any further action was denied and advised i should look for legal representation. I feel completely defeated and alone. Even after i was promised by a rep named XXXX that i was not liable for unauthorized charges. which is not the case ....
Consumer complaint received 2024-05-22
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: CLGF Holdco 1, LLC (NY)

I continue to dispute this account on my credit report and it seems like there not doing due diligence to the consumer, they obviously take the fraudulent company word for everything. I closed this account on my own still being charged late fees, I have made three {$40.00} payments and payment for {$120.00}. The card limit is only XXXX XXXX dollars if the job was getting done correctly with the dispute they would see they forgave {$60.00} returned payment fee which obviously wasn't credited because they are still including it
Consumer complaint received 2024-05-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

I noticed a credit account was opened on XX/XX/2024 on my credit report. It was used on XX/XX/2024 for {$690.00}. I submitted an identity theft report and a dispute. I then called the company of the credit cards. They said they reported it as fraud and have commenced an investigation. My only option is to wait.
Consumer complaint received 2024-07-11
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. (TX)

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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 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 2024-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Im owed {$1000.00} I keep trying to call because I will be moving but they cant help me and this account is closed. I want to go into branch and receive money I stead of check. Letter code XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
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. (FL)

I XXXX XXXX the consumer has contacted the reporting agencies and creditor multiple times about this violation. XXXX XXXX XXXX XXXX has reported late payments an transaction on my consumer report without being authorized by me the consumer. As stated in 15 u.s.c 1681 ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As you see a late payment will be considered as a transaction.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (AZ)

three issues # 1 six months ago I charge on my credit card that look odd, cause it does not get charge ever month, ( I have a secured credit card account ), I put up my personal money not the banks.Went to my local branch ask bank employee a simply question what is this for what it means.He talked 30 minutes that related nothing I ask and had to leave because it made no sense. issue # 2 I keep tabs my accounts i one I use fast and easy, I am XXXX years old and get paid once a month.I have been lie, cheated and rubbed every bank there is.I been with US Bank for ten years great service last week three of my pass codes removed from my personal account, talk to branch manager XXXX XXXX XXXX #! XXXX she said I and I said no got stood up yell do not tell me my I do what to your account I want if you do not like go some where else.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (FL)

I make monthly payments of {$590.00} to Flagship Credit for my car payments and last month in XXXX I made XXXX payments ; one on XXXX and the other one which I did NOT authorize that came out on XX/XX/XXXX which one was supposed to have been credited back to me. After waiting over two weeks and not receiving the credit, I called them back on XX/XX/XXXX to see what the delay was and to find out they credited it to a closed account! So they supposedly fixed it and said the credit was issued on XX/XX/XXXX to my active account. I have checked with my bank multiple times and they even opened a claim with Flagship being that this credit was never issued. THREE weeks later I STILL have not received this credit and called them back yet AGAIN and all they could tell me is that the credit was issued and there was nothing more they could do. Meanwhile, now my account with them is showing I owe them my monthly payment and not paying this when I should've had this credit or the credit applied to my account with them.
Consumer complaint received 2024-01-19
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (DE)

On XXXX XXXX, 2024 upon applying to Affirm I was denied. Assuming, it was due to not verifying my identity correctly due to the credit freeze on my report. I called XXXX to lift the freeze and XXXX XXXX, 2024 upon re-applying to Affirm to receive the same denial. I made the attempt to apply for a credit line after Affirm was extended use of my social security number for my credit line to then be denied. Upon, the Equal Credit Opportunity Act 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, OR because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. I have excised my right with good faith under the CCPA and was still denied based off of inaccurate reporting to my XXXX report and the accounts are reflected as open disputes. Therefore, Affirm has discriminated against me with extending my credit line due to inaccurate reporting and the reporting shows open disputes.
Consumer complaint received 2024-05-22
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: T.S. Holdings (CT)

IQ data international IN is reporting inaccurate information on my credit report. Ive reached out to them to ask for the purchase agreement to show full ownership of this account and didnt receive anything. I also never received any validation letter. They are reporting this information without my written consent and they are going against my effort to remove this account. The collection agency has engaged in False and misleading practices Violating FDCPA 807 and provided misleading forms violating FDCPA 812. There is also a {$1000.00} violation attached To this being reported on my credit. This will be my last time, giving the company an opportunity to cure the situation by having it removed off all my accounts. I have dealt with harassment for long enough and I am expecting a settlement offer within 10 days of this notice or further legal action will be initiated.
Consumer complaint received 2023-04-30
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX  Account XXXX XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account # XXXX Please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX XXXX Please remove it from my credit report. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 
Personal information is incorrect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Consumer complaint received 2023-03-23
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. (NC)

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 : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX Account # 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 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 2023-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (KS)

I have had my apple account for years and have added money to my account to purchase from apps on my phone NUMEROUS times over the years. All of the sudden for no reason ( as nothing has changed ) apple disabled my Apple ID and they said it was permanent and despite talking to 6 people over 5 days no one will tell me why. They said they dont have any info and the decision is final. They refuse to provide me with a way to contact the people who made the decision so I can find out why. MORE IMPORTANTLY I have XXXX on my apple account that I just added this past week and I have the transaction from my bank to prove it. This was a direct purchase to my anpple anccount from my bank, not a gift card. Apple is telling me too bad. That apparently because they disabled my id there is no way I can get MY MONEY back. Isnt that outright theft? Not to mention I will also lose almost XXXX XXXX songs that I have purchased over the many years I have had this account. Each song is from XXXX to XXXX each!!! When I XXXX  this, it looks like this is a common practice of apple which is clearly making them a ton of extra money in stolen funds.
Consumer complaint received 2023-04-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Siggi LLC (VA)

Omni Financial has already sold off the debt, they have not tried to contact me in any way shape or form and they continue to consistently on an almost monthly basis update and flag my account as a charge off debt, which refreshes the date of the account everytime. doing this they will keep this flag on my account forever and that is not legal.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (MD)

We have used the XXXX credit card acct for almost 20 years and we have recd no distributions nor any response from the company. We only have {$2500.00} in the account and have no way to access the acct nor been able to contact anyone from the company. We have been dealing with this issue for over a year.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (IL)

From XXXX XXXX I deposited XXXX to Robinhood. I purchased bitcoin for about XXXX and left the rest in the account. I waited a little bit to let the funds settle and I tried to send my crypto to my personal wallet and they denied the transaction and immediately restricted my account from depositing, buying, and withdrawing my money. The only thing I could do is sell my assets. A couple days later they told me to upload a bank statement and I did. Then I called and asked them for an update and they said my account restriction will be lifted. It was not lifted and I received an email saying they were going to close the account and return the funds if eligible in 15 days. This wasnt true either, I called back and they said they were not going to return the funds. I then sold my assets for a lost of about {$300.00} and now Im just trying to withdraw my funds. I keep receiving an email saying the same automated text that my funds will be returned if eligible in 15 days. I do not find this true at all because there are many people I talked to in this same situation who did not receive their money and had to take legal action.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/2023. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from Equifax, XXXX, and XXXX. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

Sincerely, XXXX XXXX