davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (CT)

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. '' XXXX, 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. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against SYNCHRONY BANK for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, XXXX XXXX XXXX XXXX in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy.

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : SYNCHRONY BANK disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, SYNCHRONY BANK misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : SYNCHRONY BANK failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold SYNCHRONY BANK and XXXX XXXX XXXX accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Take a look at the attached documents. I urge the bureau to start an investigation into these accounts, as I am never tardy, but they are erroneously reported as late.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NV)

Affirm and XXXX ; This letter is being sent to you in response to : XXXX. AResponse to alisting on my Credit Report DEBT VALIDATION XXXX. 
XXXX. Improper response and delay tactics under the FCRA. 
Lack of previous Debt Validation requested via CFPB Complaint # XXXX XXXX. XXXX. 
XXXX. 
XXXX. Verification that no validation has been received on multiple prior occasions via CFPB complaints that are on file with the agency. 
XXXX. Acomment was added to my credit file saying that adispute was resolved this is fraudulent and should have never been added this reporting must be removed immediately. 
Be advised this is not arefusal to pay, but anotice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT arequest for verification or proof of my mailing address, but arequest for VALIDATION made pursuant to the above-named Title and Section. Irespectfully request your offices provide me with competent evidence that Ihave any legal obligation to pay you.

At this time, Iwill also inform you that your offices have reported invalidated information the XXXXmajor credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, since negative marks are found on my credit reports by your company or the company that you represent, Iwill not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. The items you are reporting must be deleted immediately.

Under 15 USC 1692g the following must be provided immediately : XXXX. Adetailed list of the history of payments made by me on this account. 
XXXX. Chain of title of this debt stating that you have the ability to collect on this debt. 
XXXX. Asignature that Iput on acontract guaranteeing that Iwould pay this debt.

4. Asignature on any modification of acontract guaranteeing that Iwould pay this debt. XXXX. Astatement stating if an insurance claim has been filed on this debt. 
If your offices are able to provide the proper documentation as requested in the following Declaration, Iwill require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, Iwill consult with my legal
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' These inquiries are currently being reported on my credit report XXXX is reporting only XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( 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 reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e 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 as XXXX and Transunion are not reporting these inquiries but XXXX is reporting them and this is obviously inaccurate reporting and that is unlawful and damaging to me. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of these reporting services.
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, I sent my XXXX payment of {$6500.00} to the wrong recipient. It was intended to go to the recipient, XXXX XXXX, but instead was sent to XXXX XXXX XXXX, a contact not used in my account for nearly XXXX years. 

On XX/XX/year>, Upon learning of the wrong recipient receiving the funds, I filed a dispute with the bank, trying to have the funds reversed. During this time, I also reached out to the recipient who received them in error, and despite her recognizing they are not hers and they were sent in error, she refuses to give them back. 

For approximately 10 days, despite reaching out to my bank for information and updates, I did not receive any information and the issue was not resolved. 

On XX/XX/year>, I received an update from the bank stating, " We found that the transaction was sent according to the recipients email/phone number and instructions you provided. No adjustment will be made to your account at this time. '' The claim number provided by my bank is XXXX. 

Subsequently on XX/XX/year>, I followed up with a phone call to the bank ( the only option provided for questions regarding the issue ) and asked to escalate and or appeal the claim. I was told I could not.
Consumer complaint received 2024-01-16
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)

My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one.

I noticed that these accounts reporting on my credit file listed below have been reporting as charged off on my credit report bring my credit down. 
This account was discharged and I am not responsible for the debt.

The credit bureaus are repeatedly reporting on this debt and has marked it as charge off then marked it as paid charge off.

I am requesting that these account below be removed from my credit file. 
I never applied for a loan or signed for any loan I have not attended high school or college. 
I received a letter over XXXX  years ago stating that the loans have been canceled I am on social security. and I am not working I am XXXX. 
I keep getting denied for housing because of these accounts and the unfair reporting of these accounts. 

XXXX US DEPT OF ED/XXXX  ending in XXXX XXXXUS DEPARTMENT OF EDU ending in XXXX XXXX US DEPARTMENT OF EDU ending in XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX Tel : XXXX XX/XX/2024 I request that you update my personal information on my credit report so its accurate. 

Please update the following : My primary mailing address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My primary phone number - ( XXXX ) XXXX My primary email - XXXX My current employer - XXXX XXXX XXXX Position - XXXX Thank you XXXX XXXX
Consumer complaint received 2024-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc. (CA)

My name is XXXX XXXX and my phone number is XXXX. I have ordered my Tesla XXXX XXXX  under this email and I had applied for loan financing. My order number is XXXX. My XXXX XXXX was conditional approved by XXXX XXXX and I had provide my XXXX and XXXX over 5 days ago. However, I have not yet to receive a final loan approval and I am scheduled to pick up my car on XXXX XXXXXX/XX/XXXX. I have reached out to your sales representatives over this week many times and this has not been the best experience. I was XXXX through the Tesla application for a loan and I was XXXX to pay {$750.00} in order to XXXX XXXX XXXX and to apply for financing through Tesla. Now that I have done everything been asked by Tesla and I have provided my XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX deposit & been XXXX to {$750.00} and I was informed that I am approved through their prequalifying system. It is been over a week and my credit been ran and my score went down due to Tesla running my credit and I have not been in communication with Tesla financing team once because they conduct all their business via Tesla application which I have followed all their steps. Tesla have discriminated against me due to my credit per the ECOA law.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (PA)

Fruad Accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX {$76000.00} XXXX. XXXX XXXX XXXX {$890.00}
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (GA)

On or around On XX/XX/XXXX I contacted CREDIT CONTROL through the CFPB protal and I notified them not to contact me anymore. Since then the have contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is a total of 6 times. I will now be seeking damages for violation of my consumer rights. I am making this complaint as notice.
Consumer complaint received 2024-01-16
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. (CT)

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. '' XXXX XXXX XXXX XXXX, 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. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-04-25
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: Affirm Holdings, Inc (FL)

Upon checking my credit report the following account # XXXX has repeatedly been updated as charged off, paid as agreed, and then back to a charged off status. This is an update in the payment history which to my understanding in which " if '' this account was charged off, it should not include an active payment history. This would falsely manipulate the statute of limitations under the XXXX provisions. This account was XXXX percent paid in full. I am demanding the deletion of this account. These are severe violations
Consumer complaint received 2024-05-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

i called chase bank and verified depositing a third party check as well as the company who wrote it they both said yes. so i deposited it a day before it was to clear they want a phone number to verify check was signed over so i gave it to them trhey said its not linked to person who signed it. now they froze my account and will close it, she even got a new number and it still doesnt work. this has put a hardship on me when i know the check is good and legit.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my consumer report for my XXXX XXXX XXXX XXXX mortgage account, you have a 30-day late payment reported for XX/XX/, after confirming with the lender there should be no late payment reported.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OR)

On XX/XX/2024 I was in XXXX with my sister and niece. I received a phone call from the US Bank fraud department for a suspected irregularity on my checking and savings accounts. This is a language used and I can't tell what this means. I was not involved in any form of fraud, and they elected to close my account for this reason whatever this is. 

In a written communication from account closures of US Bank dated XXXX, it states that if the account has a positive balance a Cashiers check will be mailed to you within 15 business days if all previously deposited items have been verified It is now 45 days later as of XXXX XXXX XXXX, as there are no deposits pending to verify. A total of XXXX was wired into my account from an attorney, and at present theirs a total of XXXX being illegally held. 

In this same letter from the US Bank it states if I have any questions, please contact the branch manager at XXXX. 

I went down to the branch where I opened the account, and spoke to the branch XXXX XXXX, and was told that corporate management does this all the time, and he was a punching bag for irate customers, and he could do nothing. 

This is costing me XXXX in income from short investments in securities. 

Would you please expedite my funds, Would you please compel my funds to be expedited, XXXX XXXX I do not have access to my funds. 
I do not have access to on line, the on line app, nor do I receive paper statements.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers :