davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (TX)

This is my NUMEROUS 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 : 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
Consumer complaint received 2024-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Moved out on XX/XX/XXXX, I received back my security deposit check of {$2100.00} and deposited to my savings account. 
Check was sent to my old address, so I went in person to pick it up, XXXX. I deposit the check and 2 days later, property management cancels the check and funds are returned back to them, they received my new forwarding address and assumed I did not get the check. They send me a new check, XX/XX/XXXX and I ask them if it was okay to deposit this check, they said yes and my bank account was locked due to potential fraud. Chase bank could not verify the maker of the check, XXXX XXXX, they needed to contact a verified number, but they could not tell me that information. I submitted forms, I tried calling the issuing bank, property management and none of those numbers Chase accepted. My bank account was then closed since they could not verify, XX/XX/XXXX. Chase is withholding the security deposit funds, the check had already been cleared. I kept calling to see when it would be returned if we could not verify and they said 6 months to a year, they could not give me anymore information for security purposes and that I would have to contact property management. I kept trying with property management but they said they submitted a request for a return and Chase says they did not get a request. I ask for updates and I do not get a follow up.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

I am making a CFPB complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX XXXX reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of XXXX XXXX XXXX, XXXX XXXX. 

I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805. 

I am also making a complaint against Flagship Credit Acceptance and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXX to the CEO of the company regarding the issue.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove these false and illegal accounts found on my credit report that do not belong to me. i need this serious error corrected and these accounts removed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-26
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: CL Holdings LLC (NY)

I have repeatedly raised concerns with XXXX regarding inaccuracies persisting in my credit report, despite numerous notifications you ( XXXX ) continue to report this inaccurate information. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 

The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life with my family. I have explicitly communicated to ( XXXX, XXXX, or XXXX ) that I do not consent to the inclusion of this flawed personal information in my consumer report and they need to be deleted because of inconsistent information. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2. I insist that you ( XXXX ) take immediate and decisive action to block and delete the specified personal information from being reported on my consumer profile within four days of receiving this notice. I anticipate your prompt response and resolution of this matter, recognizing the gravity of the situation. 

You are required to do what I am asking and block and delete the mentioned accounts in my attached letter from being reported to my consumer report within 4 days from the date of the receipt of this notice. This request is not being made in error and I will be contacting both of the other bureaus ( XXXX XXXX XXXX ) that are also in violation of reporting this account inaccurately.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (SC)

THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS 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
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (CO)

XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and Apple Card were used to make many unauthorized transactions ( approx {$6000.00} ). I notified Apple/Goldman Sachs within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

Apple/Goldman Sachs disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted Apple/Goldman Sachs to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, Apple/Goldman Sachs actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of Apple/Goldman Sachs rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with XXXX and XXXX ( the reporting agencies at this time ). They both opened investigations and apparently Apple/Goldman Sachs continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance Apple/Goldman Sachs alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OR)

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form XXXX signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

XX/XX/scrub>XXXX XXXX XXXX RE : Discover Platinum # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Currently I am enrolled in active benefit with Discover Payment Protection Program. 
This benefit puts on hold monthly interest charges, premiums for such program, and minimum due payments, until benefit is no longer active. Benefirs were activated since last fall. 
A periodic renewal form Discover requires for me to sign, date, & return. A continuing form extends benefits,. When signed form remits back, benefits resume where they left off, to retroactively continue. 
BUT since early XXXX, Discover delayed to send form, while they charged my acct next XXXX billing periods : ( XXXX, XXXX, & XXXX ) DESPITE showing I remained enrolled and my benefits stayed active. 
Since early XXXX, six requests been made for form, to two secure addresses. Received not until XXXX. Faxed return by XXXX, the due date. 

Also Discover insists first class US mail ( without tracking ) be used to send form despite my offer to pay for a more secure delivery method. AS IF Discover determined, form is SUCH an important form, they would not allow a MORE secure delivry method! 

Discover deprived me of benefits I am enrolled in. I want a credit adjustment for 3 cycles of charges which are covered by my benefit. 

I request CFPB review, and direct Discover to place credit adjustment equal to charges that are protected while my benefits were to be continued and active. ( Continuing defines to pickup where it left off ) Lastly, I need to OPT OUT where company sends updates of card info automatically to vendors nust because theres recurring charge, or vendors otherwise established, returning responsibility to report updates/ changes in card info back to me. Vendors misbehave. 
I am entilted to share, or recind my card info or converted card # s to prevent misuse/ fraud by certain vendors. To OPT OUT of creditors sending updates of new card info to vendors. While this maybe more convenient now and then it unfortunately allows old / obsolete # s to still be used to authorize new charges, despite new numbers been reissued. 

Discover has refused to cooperate. They wont help me protect myself, and they dont recognize my rights. Please help to resolve this. 
Thank you. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Sent from my XXXX Sent from my XXXX
Consumer complaint received 2023-11-02
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. (IL)

XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

To whom is May concern. 

We applied for military SCRA benefits through American Express secure messaging on XX/XX/XXXX. We have filled out the proper documents they need to prove we qualify. our home record is a KP state Ohio. We were told it would be 7 to 10 days that we would hear back. On the 10tXXXX day, they sent us a letter requesting more information which is not legally necessary. Our HOR legally allows us to have scra benefits applied to all accounts according to the law laid out Ohio XXXX. XXXX XXXX. XXXX ( D ) ( XXXX XXXX ). 
We also find that they are discriminating certain members over others. We personally know multiple service members who have applied and have gotten approved without sending in any information. We also know members who have been approved without being from a KP state. We legally are from OHIO and we have proof that we already sent in. We also pay Ohio taxes. We shouldnt have to spend more time waiting for this approval and trying to prove our service to this great nation. If this is not approved in a timely manner we will continue to file complaints and seek more action. This is causing distress to our financial situation and as a member serving the United States airforce I would hope businesses would do better for military members. Approving SCRA isnt optional for credit card companies its required by law if the service member is eligible and we are eligible. We have been approved by 8 other Credit card companies very easily it would look very bad on American Express if they were the only ones who didnt approve us. I would also like to add their department to call and get help for their SCRA benefits is HORRIBLE! Most reps dont speak english and no one knows anything about scra! Everytime I have called its over an hour explaining things and then not resolving anything. Every other Credit card company I have delt with has amazing costumer service for the service members requesting scra benefits and the process is so easy and they know what they are talking about. Some companies have approved and adjusted interest all in the same day!
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation (MA)

I reached out to Alberts as soon as I saw the charge. They informed me it was a for a genius subscription that I had cancelled on XX/XX/2024. I have gone around in circles with them because they did not cancel the subscription as I asked to do and instead took out money from my account for an investment account and then charged me the fee. This was done via text so they have the history of my conversation. I asked their representatives to make sure there wasnt any other susbscription or that no other monies would be taken from my account and they informed me that I was all set. 

Today, they wont even acknowledge that the transaction was unauthorized or that their representative gave me incorrect info. I spent an hour trying to resolve this and they keep going around in circles. They escalated the issue twice and I still did not receive the requested refund. Instead I had to write back and ask for a status. What I got was that they would close the account but it would take up to 14 days to resolve it. This company is using unfair and deceptive tactics. They lure you in and its an advance and then con you into setting up all these accounts. The worst part is that even after you cancel the services, they go ahead set up the investment account so they could charge you the XXXX for the investment subscription.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (MN)

On XX/XX/XXXX at XXXXXXXX XXXX I tried to withdraw {$1800.00} from my Robinhood spending account into my XXXX XXXX wallet because my mortgage was due. There was an unexpected error. That mightve been my fault for changing the names on the billing address They just restricted my account. Never tried to contact me to resolve the issue. I had to contact them on the XXXX of XXXX when they told me to take a selfie and upload my ID which I did for them to tell me wait till the XXXX They still never tried to reach out to me. I had to contact them again on the XXXX when they asked for my bank account statements, which I provided, they told me to wait till the XXXX again but I noticed the date changed from the XXXX to XXXX which is a weekend and I wouldnt be able to contact them on the weekends. I called on the XXXX to let them know how dire my situation was after I got off the phone with them they changed the date again to the XXXX sent me an email that my account was closed for no reason and Ill have to wait even longer to access my own money for my mortgage.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2023 I received a letter from the IRS that we owed back taxes. As I knew they were paid I went online to my Chase account to retrieve check information and found that over the year 6 of our checks had been washed and deposited to random people but not the tax departments. In addition there was a fraudulent cash withdrawal from a teller at a branch for {$41000.00}. I immediately called the Chase fraud phone line and their response was how is that possible. I had the same question. I went into my branch and sat with my rep for hours while we spoke to the fraud department and reported everything. In addition, I filed a police report. After not getting any response from Chase, I inquired what was happening and they said that being this all happened more than 60 days earlier, they will not take responsibility. Theres no reason I would have looked at those checks had the IRS not contacted me so of course I didnt notice it earlier. But the total that was stolen is over {$200000.00}. The police subpoenaed Chase for a video of the cash withdrawal but have not heard back yet. I have contacted the police department multiple times but they said we have to wait.

Chase gave me the info where the washed checks were deposited and which branch the cash withdrawal came from. It happens to be a branch Ive never been in.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

The school will not provide any transactional history to any third party companies due to the family and educational privacy act of 1974. The debt was forgiven and whatever was forgiven was to come back to me in the form of a check. Company has 14 days to remove inaccurate information and provide remedy and compensation for violations.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (MA)

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted CDIA Metro 2 COMPLIANCE regulations. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b- Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.