davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-01
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. (TN)

Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I purchased 2 gift cards, that were {$100.00} each, on XXXX XXXX, XXXX from a local XXXX. I attempted to use both the gift cards, for a purchase amount {$150.00}, on XX/XX/XXXX at a local XXXX XXXX and they both failed to work. I immediately contacted the gift card merchant. On XX/XX/XXXX, XXXX responded to my inquiry with instructions to help resolve my claims. I followed the instructions and responded on XX/XX/XXXX and received an automatic response email stating that I would hear back within 3-5 business days. After not hearing anything back, I followed up again on XX/XX/XXXX and received another automatic response email. Finally, I contacted Capital One on XX/XX/XXXX to file a dispute on the 2 gift card purchases. 

Capital One has denied my dispute and has failed to provide any investigation report detailing why they denied the claim, as I requested. 

Upon request, I can provide all documentation for everything stated in this complaint.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB I hope this letter finds you well. I am writing to address a matter of great concern regarding the reporting of XXXX accounts on my credit report. Specifically, I am requesting the immediate removal of the following accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I have previously corresponded with TransUnion and XXXX XXXX these accounts and have diligently provided documentation from The Department of Education to support my request for the update of their status to " Paid as Agreed. '' Despite my efforts, the response from TransUnion has been dismissive, suggesting that both the accounts and my concerns are frivolous. 

In an attempt to address this matter comprehensively, I submitted a second dispute letter to TransUnion as well as XXXX, presenting a different approach and providing additional supporting documents. Unfortunately, I recently received a letter from TransUnion asserting that the accounts in question are accurate and verified. Furthermore, the letter stated that TransUnion will no longer reinvestigate these accounts. 

I am writing to express my deep dissatisfaction with the handling of this dispute and to reiterate my request for the immediate removal of the mentioned XXXX accounts from my credit report. It is disheartening to encounter such challenges in attempting to rectify the reporting discrepancies on my credit profile. 

I urge TransUnion to reconsider its stance and to conduct a thorough and impartial review of the information related to these accounts. The provided documentation from The Department of Education should be given due consideration, and the reporting on these accounts should accurately reflect their current status. 

The Fair Credit Reporting Act ( FCRA ) empowers consumers to dispute inaccurate information on their credit reports, and I trust that TransUnion and XXXX will honor this right by conducting a fair and unbiased reevaluation of the XXXX accounts in question. 

I kindly request that TransUnion and XXXX provide a timely and substantive response to this matter. Your cooperation in this regard is essential in ensuring the accuracy and fairness of my credit report. 

Please send written confirmation once the necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

ON XX/XX/XXXX, I put a thaw on my credit freeze on my credit report with Experian. I put the thaw from XX/XX/XXXX through XX/XX/XXXX. Experian 's website stated that the thaw is in place for that time period. I even had my banker check it with me as I was applying for a credit card with XXXX. XXXX tried 6 times to access my report but was unsuccessful. When they tried to pull my report, the system my report was frozen. I also checked the website twice & it stated that the thaw was in place. I called 3 XXXX XXXX phone numbers of Experian and you can not get anyone on the phone to address the problem. I also put a case in online about this problem and never heard back. This is the 2nd time this has happened to me as it also occurred in XX/XX/XXXX.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

A servicing company is trying to use a foreclosure mill law firm in Texas to foreclose upon my home when they ( the Servicing Company ) do not have any legal standing in my case. I have rescinded the loan under TILA and they are still proceeding with a foreclosure on a deed of trust that is now void. A notice of sale was recorded, and there is a pending sale on my house for XX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I don't recall having a contractual relationship with this collection company XXXX. SYSTEM, INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt collectors are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a letter from Bank of America on XXXX XXXX Credit Card number XXXX. I called XXXX  XXXX and they told me to call Bank of America. Bank of America said I owe {$9900.00}. They said I opened the XXXX XXXX card on XXXX XXXX, XXXX. They said a bunch of cash advances were sent totaling almost {$10000.00}. I called them saying I have never once used the card and cut it up immediately when I received. They refused to help me and just demanded money.
Consumer complaint received 2024-05-24
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ClearOne Advantage, LLC (PA)

I signed up with Clear One Advantage in XXXX for a debt settlement. A settlement agreement with the lender was reached and I have been paying bi-weekly to Clear One ever since including Clear One 's fees which were never expressly stated. I increased my bi-weekly drafts to finish the program and based on what my assigned specialist told me in XX/XX/XXXX, my last draft was submitted in XX/XX/XXXX. Prior to this, phone representatives could never give me an accurate payoff amount ( this includes the " specialist '' ) and it would go up and down based on the representative. At one point I was told the company was due to return {$12000.00} to me. 

On XX/XX/XXXX a draft was withdrawn. I had been expressly told that these would cease after XX/XX/XXXX. In sum, the company provides inaccurate information if not commits outright fraud. It is unclear when ( if ever ) I will get out of this and at what cost. Please provide assistance.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (MS)

I was trying to order me cash app card it kept declining and so I call customer support telling them I just signed up for cash app and I try to order me a cash app card and they said I cant and I ask why and they told me they cant give me answer but I feel like if I give yall my personal information to sign up especially for cash app card I should get a good reason why I cant get one
Consumer complaint received 2023-12-21
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. (TX)

N according with fair credit report act XXXX  Account ( XXXX XXXX XXXX # XXXX ) ( XXXX  XXXX  XXXX  Account # XXXX ) has violated my rights. 

15 U.S.C section 602 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-11-16
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)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-21
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: Advanced Resolution Services Inc. (CA)

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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account XXXX : XXXX Account XXXX : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 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 2024-01-08
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. (GA)

I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them. 

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX Inaccurate accounts numbers listed : XXXX : XXXX Last Activity XX/XX/2022 TransUnion : XXXX Last Activity XX/XX/2022 In accordance to the Fair Credit Reporting Act any information that is inaccurate must be removed immediately. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (UT)

Institution Information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

Institution Information US BANK XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-24
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: Kikoff Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear KIKOFF LENDING LLC, I am writing to address a grave violation concerning the unauthorized reporting of information to my credit report, as established by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside relevant XXXX XXXX Missouri identity theft fraud laws. 

It has come to my attention that KIKOFF LENDING LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX Missouri law emphasizes the necessity of consumer consent for credit reporting, in alignment with FCRA regulations. Identity theft fraud laws within XXXX XXXX Missouri also underscore the severity of unauthorized access and misuse of personal information, highlighting the significance of protecting consumers ' rights. 

I assert with unwavering certainty that I have not provided consent for KIKOFF LENDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with the utmost certainty, that KIKOFF LENDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws in XXXX XXXX Missouri XXXX 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under FCRA regulations and XXXX XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KIKOFF LENDING LLC will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Commencing on or about XX/XX/2023 through XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-03-10
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. (NV)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX