davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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: LEXISNEXIS (FL)

Subject : Request for Removal of Bankruptcy from Credit Report Dear XXXX, I am writing to request the removal of a bankruptcy record from my credit report. After reviewing my credit report, I noticed that a bankruptcy filing is being reported, which is inaccurately reflecting my credit history. 

To facilitate the removal process, I have attached supporting documentation that verifies the bankruptcy listed is inaccurately reporting. You list XXXX. This means the bankruptcy was a XXXX XXXX XXXX but converted to XXXX XXXX Do you have supporting documentation for this? You list this on your website under my name and social. I will provide the proof for your records. 

I kindly request that you investigate this matter promptly and delete the inaccurate reporting of this bankruptcy record on my credit report. I understand that accurate reporting is crucial for maintaining a fair credit history, and I trust that you will handle this matter with the utmost professionalism and diligence. 

Please provide me with written confirmation once the bankruptcy record has been removed from my credit report. Additionally, I request that you notify any third-party entities that may have accessed my credit report during the time the bankruptcy was inaccurately reported. Note : Lexis Nexis has no record of this bankruptcy record, yet you state they certified this information as correct to you. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided below. 

Thank you for your assistance. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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)

I place a dispute on the derogatory remark of the collection company XXXX XXXX because the company lost their case in court due to fail to attend. Due to this situation this account should not be in my credit report. TransUnion failed to delete this from my report
Consumer complaint received 2024-04-05
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 consumer 's 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. XXXX XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 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. '' ( Furnisher of information to credit agencies ) 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. Any and all consent to XXXX, XXXX, transunion XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A 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. Also 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 2023-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Choice Recovery, Inc. (NE)

In XX/XX/2022 I requested a final statement from the billing department. I received a final statement. After having an issue with the amount billed I was contacted by a debt collection company. The best collector stated that I owed much more than final statement. Later the debt collector filed a lawsuit and claims to being owed the much higher amount. Over the last 6 months the collection company has done everything within their power to get a default or summary judgement. I am not disputing the original amount only the amount brought before court.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

At XXXX XXXX XXXX XXXX of XX/XX/XXXX the bank moved money from my savings account and then, within minutes, allowed someone to then move {$4900.00} from my checking account to be deposited in an unknown account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in Washington State. When I contacted my local branch of US Bank later that morning, they said the transfer had gone through and there was nothing they could do. I made a police report. I wrote a four page letter outlining the entire situation and requested a unredacted copy of the documents upon which they relied to deny. It took well over two months and three phone calls to get that information. I received it today and the typing was so small even a magnifying glass could not allow me to read it. They stated in their letter that I must have participated in this because I gave out my password and answers to a security question. Of course, that entire section was redacted and of no help to me. 
I do not know what further I can do as an individual and thus I am filing this complaint with your Bureau.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (OR)

I was issued a card by XXXX XXXX XXXX the same as I have been hundreds of times before. While trying to use the card online I accidentally entered the CVV code incorrectly 2 times. The third attempt I corrected my issue and entered the correct cvv code but the card was still declining. 

I contacted the support for this card at the phone number listed on their website. After speaking with an agent, XXXX, she advised me that when the cvv code is entered incorrectly 3 times the card is locked for 72 hours and there is no way for them to fix this issue. The only option is to wait 72 hours. 

Finding this answer unacceptable, as anyone could understand, I then asked to speak with a supervisor to confirm this policy. My main concern is that nowhere in any terms of service, FAQs or any other location was I made aware this would occur. This is information that should be provided to consumers considering the inconvenience and potential for abuse. 

I was then transferred to a supervisor, XXXX, who advised me this was not the policy and that the card was not locked. When I then went to attempt to use the card it declined again. The agent then advised me it was the merchant that was the issue and that the card did not work with this merchant. Since I use hundreds of these cards I knew that was not the case and advised him of this. He then advised me that the card was not locked, but the cvv code was locked and that was the cause of the issue. 

Since this is not how gift cards work I asked him to clarify and he advised me there was nothing they could do and I would have to wit 24 hours. Since this was now the fourth different reason I was given I asked for clarification and documentation on the actual reason and policy, but XXXX did not have an answer for me. 

This is an obvious situation of the card issuer attempting to save money and hurt consumers by hiring unqualified or poorly trained support agents which, with financial services products, should not be acceptable. This company needs to have a way to fix issues like this on their end. If any bank locked access to a customers money without any resolution other than waiting an indeterminate amount of time and did not publish any policy to alert consumers to the actual procedure, they would not be allowed to continue. 

I do not see why any prepaid mastercard issuer should be allowed any different set of rules. While I would hope this issue would be resolved prior to this complaint being addressed I would hope there is some regulation the CFPB can enforce to prohibit a company in this sector from these practices. I am writing not to fix my issue but to protect all future consumers from having this same problem.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NJ)

I received a Chime card in the mail with my name and address on the weekend of XX/XX/2023. I never requested to open a Chime account and never received any email or phone confirmation that I had opened one. 

I believe this was connected to a fradulent phone call that I received the week prior on XX/XX/XXXX. My XXXX credit card was receiving fraudulent charges, so I spoke to representative who called me after I responded to a XXXX  Fraud text alert. I believe the first representative I spoke to, who claimed to be from XXXX, was actually a scammer who stole my information and did not help to remedy the problem. The fraudulent charges and closing of my XXXX  credit card were only taken care of when I spoke to a second XXXX  representative shortly after calling XXXX  again. 

I placed a fraud alert on my account and began credit monitoring the day after this experience, but believe it's possible that the Chime account was opened prior to that.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

A collections account showed up on my credit report from a company name transworld system inc. This was a result of a uncollected debt, in the amount of {$660.00}, from a company named XXXX XXXX  presumably out of Texas. I have never been or lived in Texas, yet a XXXX, TX address has been associated with my credit report. My social security number has been compromised as I was able to use this to verify my account. There were also inquiries from the following accounts. 
From Dates Ranging XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have done business with any of these companies. 

I have contacted and notified XXXX and XXXX about the issue along with the collection agency Transworld System Inc.
Consumer complaint received 2017-05-07
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 have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and s o I d ont owe  XXXX   XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a lot of inquiries on my credit report that were not authourized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

XXXX XXXX XXXX charged my account XXXX on XX/XX/22 at XXXXXXXX XXXX. I called them the next day and requested a refund because I hadn't received services for the charge. I was notified that it may take 7 to 10 business days. We'll on Friday XX/XX/22 I called XXXX XXXX XXXX again inquiring about my refund and that's when I was told that it had already been sent. I checked my statement again and could no longer find the charge. I called my bank which is Chime and I was told three different stories as to why I can't see the charge, but was told that I had been refunded on XX/XX/22 when in fact I have not. I sent them proof of receipt that I was charged from the merchant and still no response. All I want is my money back.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC (VA)

Hello, Thank you for considering my request for assistance. The Flagstar Bank took over our mortgage loan as a new servicer on XX/XX/2023, but never contacted us ( three family members on the joint loan account ). As a result, the payments have been delayed since XX/XX/2023. On Sunday, XX/XX/2023, after receiving alerts from credit reporting agencies that our scores had dropped from excellent to poor, we became aware of the new loan servicer, Flagstar, and the overdue payment. We immediately took action to connect with Flagstar and have paid the entire overdue sum. After speaking to six representatives, one of them realized and admitted that all communication attempts had failed, and the letters were returned to Flagstar because they did not have the apartment number included when mailing us. Flagstar representative also listed to us unknown phone numbers they used to try calling. We corrected all information for Flagstar, set up new auto payments, and asked that they remove the late payment mark from our credit reports. They declined this request. I hope that we can get you help with this matter. Our credit histories speak for us, and the burden of having this late payment stain on our credit report for many years to come turns our lives upside down. We feel that we have done everything in our power to rectify this issue, but Flagstar remains numb to our plea.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NY)

I signed up for a XXXX  rewards program in which the company XXXX and Wells Fargo would mail rent checks to my land lord. The land lord claims they did not receive the checks and Wells Fargo and XXXX could not determine if they weee cashed, but I was charged via a XXXX Credit Card from Wells Fargo. I only learned this when I received a delinquent account notice via email.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

I am writing to file a formal complaint regarding inaccessible funds with my Apple Credit Card account On XX/XX/23, I transferred {$9400.00} from my Apple Credit Card account. However, while this amount has been withdrawn from my account, it is not accessible to me. When I attempt to use my Apple Credit Card for purchases, the balance shows only {$4.00} available credit. 

I have attempted to resolve this issue through customer service requests [ explain attempts, dates, who you spoke with ]. Unfortunately, the problem has not been resolved and I remain unable to access the {$9400.00} I withdrew from my account.

This situation is unacceptable and has prevented me from being able to make essential purchases. I rely on access to the credit I have been granted by your institution.

Please advise me immediately regarding what steps you will take to restore my access to the withdrawn {$9400.00} funds, so I can make necessary payments. If this issue is not resolved within 5 business days, I will escalate my complaint to the Consumer Financial Protection Bureau and consider legal remedies.

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX ... XXXX ... ... ... ... ... ... ... ... ... ... .. account # XXXX, XXXX ... ... XXXX XXXX XXXX ... ... ... ... ... ... .. account # XXXX, XXXX XXXX XXXX ... ... ... XXXX XXXX ... ... ... ... ... ... ... .. account # XXXX, XXXX XXXX ... ... ... ... ... XXXX XXXX XXXX XXXX accoun t # XXXX, XXXX XXXX ... ... ... .account # XXXX, XXXX XXXX XXXX XXXX ... ... .... account # XXXX, XXXX XXXX XXXX ... .... account # XXXX, XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .account # XXXX, Department of ED/XXXX ... ... ... ... .account # XXXX, XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ..account # XXXX. 



15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

Letter to Discover Card Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX Il XXXX Subject : Account Reinstatement Inquiry for Discover Card Dear Discover Card Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my Discover Card account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. 
I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. 
I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. 
Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. 
Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. 
I went through a lengthy process of verifying my income providing bank statements etc. which was ultimately denied because I wrote the starting balance incorrectly, instead of clarifying this information my account was closed without notice and refusal to reopen. 
I have called in an attempt to resolve this matter and was denied by a XXXX or XXXX who submitted a complaint on my behalf as Manager was not taking phones calls. 
Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. 
Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.