davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

On XX/XX/year> I notified SUNRISE CREDIT SERVICES via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD.

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT.

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NV)

I am unaware of this debt, I did not have the opportunity to dispute this debt. I did not receive proper notification regarding this debt, If in fact you believe that i have anything relation to this debt please provide proof of verified documents with my signature. I'd like to have this removed from my consumer report, according to the FCRA this a violation of my rights. 


this is the company ; TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I rented an apartment when I moved to XXXX while my house was being built. I had a full security deposit and paid my rent timely. The apartment repeatedly flooded while I lived there because of a faulty refrigerator line and washing machine. The floors were ruined and the carpet and pad was damaged. They never fixed these things. I moved out at the end of the lease. I was in the apartment for approximately 6 months. I left the place clean and they kept my deposit without any written notification. I complained about the water damage which they never addressed. I have pictures of the flooding and damage. I have pictures of the house that I left in good condition. I was never sent any written notification from them that they were keeping my deposit. I was never contacted in writing by anyone that they were trying to collect a debt. I only noticed that there was a problem when I got a notification on my credit report. I moved in XX/XX/XXXX and moved out XX/XX/XXXX.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Bank XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX # 1486 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681S-2 ( A ) ( 5 ) Section STATES NO CONSUMER RE
PORTING 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 A CRIME WHICH ANTEDATES THE REPOT 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 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MD)

Email from Sequium Asset Solutions , LLC regarding my XXXX account, which I still have and is currently active, stating that I owed {$49.00}. XXXX XXXX account is not in collections and like I've stated, is current, active, and has never been in default. This claim is completely false and fraudulent.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

On XX/XX/year> my fiance sent {$400.00} from her chime account pay anyone feature to my XXXX XXXX  account. Well the money was never deposited into my cash app account but was deposited into a chime account in my name I never opened or was even aware existed until I was notified from chime that I received a {$400.00} deposit from my fiance and was now available in my account. I immediately contacted chime and explained what had happened with this money transfer. They immediately closed m y account and told me I should receive the {$400.00} balance from the closed account in the form of a check and it would be mailed to my address they had on file within 30 days! Well after over a XXXX emails and over XXXX hours on the phone being transferred from XXXX agent to the next, being placed on hold for hours, and even disconnected numerous times.i opened numerous tickets that they answered and informed me the check will be in the mail to only after months of not receiving it was then told my claim was denied without no explanation why I'm not receiving my money with being told I was not entitled to a refund on my {$400.00} that was deposited to me from my fiance! Well long story short I'm approximately XXXX month away from it being XXXX full year that I'm still without my money and no explanation why I'm not entitled to the money or why it couldn't be sent back to my finances account! I work hard for my money and refuse to let them just steal my money like ths!
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NV)

My Robinhood account got restricted because of unusual activity, I have a XXXX XXXX in my account, I havent been able to use my card, trade or make deposits. Its been over a month my account has been restricted, I already sent my bank statement and still it hasnt been resolved, Ive been unable to pay my bills, Ive lost points from credit cards because of late payments
Consumer complaint received 2019-11-12
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: WELLS FARGO & COMPANY (ID)

In XX/XX/2015, I had a vehicle I had traded into a dealership. The vehicle was paid off and the loan is reporting as a charge off on all my credit reports. I have disputed this information multiple times. Not only is this not accurate, the amount they are saying that was still owed when I traded the vehicle in, is inaccurate as well. Ive requested information from Wells Fargo multiple times asking them to show me proof that this was not paid off. They have never provided proof. Instead, continuing to report as a charge off on my credit which is causing a great deal of harm to my credit. I don't understand how these companies can report whatever they want to these credit bureaus without ever providing proof or validation. I want this inaccurate account removed from all 3 of my reports.
Consumer complaint received 2023-11-14
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. (NY)

I was trying to get a mortgage loan when I was told my credit score was low due to delinquent accounts. When I saw my credit report I noticed unauthorized credit card accounts that were opened around XXXX XXXX XXXX My information was breached with XXXX and another company last year.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

There is a bankruptcy reporting on my account that does not belong to me. Type : 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 Liability Amount : UNKNOWN Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-11-15
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. (MD)

Experian said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living.

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXXXXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file
Consumer complaint received 2024-04-15
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. (NY)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-11-14
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. (NC)

I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX and AG! 

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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX XXXX XXXX IS THE ACCOUNT I AM REFERENCING
Consumer complaint received 2023-11-14
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-11-14
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. (CO)

Agreed to cosign on a car loan for my sister through XXXX universal acceptance. We made a payment on XX/XX/2023 and another payment on XX/XX/2023, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/2023 to XX/XX/2023 is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, XXXX, Experian, and XXXX XXXX, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided XXXX, Experian and XXXX proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet Experian, XXXX and XXXX are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should Trump whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for Experian, XXXX and XXXX XXXX to remove the derogatory remark for my credit report but because Experian, XXXX and XXXX will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (MO)

I was given false and inaccurate information about my finance charge and was told I had to pay {$20000.00} on a consumer credit transaction, after approval pursuant 15 U.S.Code 1605 Determination of a finance charge being the sum of all charges when in connection with a Consumer Credit Transaction,
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX  XXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$770.00} XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-15
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. (OH)

I checked my credit report on Transunion, XXXX, and XXXX and found an inaccurate account XXXX XXXX XXXX on my credit profile. I requested for it to be removed due to inaccuracies. I also asked for an updated credit report and neither of those things took place so I am now asking again pointing out these very well inaccuracies with this Charge off account that is reporting on my credit profile that is now causing me not being able to purchase a house. I will attach a letter that will show the inaccuracies to this account.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (PA)

I applied for a Chase Sapphire Reserve card at the end of XXXX. I got a letter in the mail dated XX/XX/2023, stating that " Please call us to confirm your application ''. I read the letter on XX/XX/XXXX and called them on the number provided : " XXXX ''. There was an automated message saying " Is this regarding a credit card application or credit line increase? '' I pressed 1. Then it asked for my social security number, which I provided. The automated message said " your application is being reviewed. you will get a response in 7-10 days. this is the most recent update on your application. to repeat the message, press 1. '' Nowhere is this process did any representative talk to me. 

I have called this number at least 20 times for an update on my application. Today, XX/XX/XXXX, I asked to speak to a representative, and they told me that my credit application has expired because I never called, and I should apply again. I told them that they have already pulled a hard credit inquiry, and I am not going to apply again. They have to fix this, whether it is a problem with their application, their call center, or anything else.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

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  This information is totally bad for my credit. It is wrong information. It has to be deleted now. 

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