davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

CFPB Complaint for Debt Collection Abuse Please note : I can not provide legal advice. This is a template to get you started. You may want to consult with an attorney to ensure your complaint is accurate and reflects your specific situation. 
I. Introduction I am writing to file a complaint against the XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXXXXXX XXXX  XXXX '' ) for violating the Fair Debt Collection Practices Act ( " FDCPA '' ). I am disputing all debt that XXXXXXXX XXXX XXXX XXXXXXXX claims I owe. 
XXXX. Details of the Alleged Violation Disputing the Debt : I have no knowledge of this debt and believe it is in error. 
Lack of Communication Preferences : I revoke all consent for XXXX XXXXXXXX XXXX XXXX to contact me by phone, email, text message, or any other means. 
Debt Validation : I request written validation of the debt, including the original creditor, amount of the debt, and a breakdown of charges. 
Purchase Agreement : If applicable, I request a copy of the purchase agreement between me and XXXX XXXX XXXX XXXX. If Licensing and Bonding : I request proof that XXXX XXXXXXXX XXXX XXXXXXXX is licensed and bonded, as required by 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ).

Fair Credit Reporting Act ( FCRA ) Violations : I believe XXXX XXXXXXXX XXXX XXXXXXXX has violated 15 USC 1681s-2 ( 7 ) ( a ) by failing to provide proper notification and opportunity to dispute the debt. 
HIPAA Violation : I have not consented to anyone sharing my medical information with XXXX XXXXXXXX XXXX XXXXXXXX. This is a potential violation of the Health Insurance Portability and Accountability Act ( HIPAA ) 1681a ( 4 ). 
XXXX XXXX : I never received the required five-day notice before collection activities began. 
XXXX. Request for Relief I request that XXXX XXXX XXXX XXXXXXXX : Cease all communication attempts. 
Validate the debt in writing. 
Provide a copy of the purchase agreement ( if applicable ). 
Furnish proof of licensing and bonding. 
Correct any inaccuracies with credit reporting agencies. 
Remove any reference to medical information from their records. 
IV. Response Time and Notice I expect a response from XXXX XXXXXXXX XXXX XXXXXXXX within 15 days of receiving this complaint. Please be aware that your silence will be considered an admission of guilt. 
V. Additional Information [ Attach any relevant documents here, such as copies of communications from XXXX XXXXXXXX XXXX XXXXXXXX ] Please note : I am unaware of this debt and have not had a fair opportunity to dispute it. I request a certified receipt with my signature for this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX Email : XXXX XXXX
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-28
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: JPMORGAN CHASE & CO. (PA)

JPMCB responded to a previous complaint submitted through here, and indicated they would send the credit reporting agencies a letter informing them to remove ALL tradelines associated to my name after a court decision. It has been 60 days and the credit agencies have stated that 1 ) they never received such a letter.

2 ) The confirmed the debt very recently 3 ) They denied a copy of the letter I provided as being real. 

A recorded conversation with a JPMCB employee in legal in XX/XX/year>, they informed me that JPMCB was overruling the court order and letter, and would continue debt collection ( illegally ). 

I demand that this debt profile be removed immediately by JPMCB contacting every and all credit reporting agencies directly.
Consumer complaint received 2020-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

My cash app account was closed with an account balance of {$1400.00} for an unstated terms of service violation. Due to this, I am unable to withdraw my money to my bank account from the app. I have emailed support and was told to simply cash out my account, which I am unable to do because my account is closed. Now whenever I email I am simply met with a canned response telling me my account is closed and that I need to cash out, but the cash out fails every time. In my opinion, this is robbery because theyre preventing me from accessing my own money
Consumer complaint received 2018-11-27
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: REGIONS FINANCIAL CORPORATION (FL)

XXXX  has been non-compliant with removing the unverified account REGIONS BK XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that REGIONS BK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.
Consumer complaint received 2023-12-12
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. (GA)

My name is XXXX XXXX XXXX XXXX and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRANSUNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRANSUNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CO)

Affirm sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. Affirm has continued to report a balance owed on XXXX. I have contacted Affirm many times and disputed with XXXX twice. I have currently provided further documentation to XXXX from their own website confirming the account balance should reflect XXXX due to the ownership of the debt.
Consumer complaint received 2020-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OR)

I have used cash app for over a year. I upgraded my phone, and lost all access to my old account. I have since created a new account, and followed their links to merge the accounts, at which it will not work. I have sent multiple emails with no response. There is no phone number to contact anybody. I have over {$1.00}, XXXX that I am unable to access.
Consumer complaint received 2023-12-02
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$31.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance XXXX {$5600.00} ; XXXX  XXXX Balance : {$110000.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$110.00}.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

IM A VICTIM OF IDENTITY THEFT AND I HAVE NO HISTORY WITH THESE BANKS. DIRECT COMMUNICATION WITH THESE BANKS CONFIRMS NO RECORD OF MY ASSOCIATION. INFORMATION SUGGESTING OTHERWISE IS INACCURATE AND IS TIED TO FRAUDULENT ACTIVITY. IM ACTIVELY RESOLVING THIS ISSUE, REPORTED TO AUTHORITIES. KINDLY ASSIST IN RECTIFYING ANY ERROREOUS BANK RELATED RECORD.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I received a debt collection notice from XXXX XXXX XXXX, on XX/XX/XXXX. 

I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) I received a call from XXXX XXXX from XXXX & XXXX on XX/XX/XXXX at XXXX. I have the saved voicemail. This account was in dispute and they still were attempting to collect on this debt. 

I received an envelope from XXXX XXXX XXXX on XXXX XXXX, XXXX. The contents had nothing I requested.
Consumer complaint received 2023-12-12
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. (TN)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-12
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. (GA)

Accounts Involved : *Department of ED and any of the following 3rd parties : XXXX XXXX XXXX XXXX XXXX Assistance These accounts are reporting information protected by the Privacy Act of 1974, which prohibits : A ) sharing of information to 3rd parties without consent from me, the consumer, to the 3rd party directly. 
B ) sharing of transaction history without consent. 

These accounts are reporting information protected by the Family Educational Rights & Privacy, which prohibits : A ) student information shared with 3rd party companies ( loan, payment history, transaction history, attendance dates ) ; NOT falling into any of the categories listed by FERPA allowing such information to be shared ; NOT falling into any of the categories listed by FERPA outlining what entities ARE allowed to receive such information. 

In addition to the aforementioned Privacy Act of 1974 violation, this act also prohibits government agencies from taking actions with consumer information, which are not outlined in agency forms presented to me the consumer.

These accounts are reporting information protected by 15 U.S. Code 6802, which prohibits nonpublic personal information to be shared to nonaffiliated 3rd parties ( including, but not limited to credit reporting agencies ) without consent of me, the consumer. 

There are also items reporting closed that are still negatively reporting on my credit.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WI)

Dear CFPB, I am writing to file a complaint against American Express regarding a serious issue where my accounts were mistakenly linked with another customer 's account, resulting in my financial assets being redeemed by someone else and denial of new account applications. Despite multiple attempts to resolve this, American Express has failed to correct the error.

The key details are as follows : ( 1 ) I have only had two Amex credit card accounts active since XXXX, which I will refer to as Account A and Account B. These are the only two Amex accounts associated with my SSN that have ever appeared on my credit report since XXXX. 

( 2 ) In XXXX, I discovered that over XXXX of my AmEx Membership Rewards points ( worth over {$1000.00} ) had been redeemed through an account I did not recognize ( let 's call it Account C ).

( 3 ) AmEx initially claimed Account C was linked to my profile, admitted their mistake in linking it incorrectly, unlinked it, and returned my redeemed points. I thought the issue was resolved. 

( 4 ) In XX/XX/XXXX, when I applied for the AmEx XXXX card, my application was rejected due to AmEx 's record showing a returned payment in the past 30 days associated with Account C.

( 5 ) Despite providing evidence that I only have legitimate Accounts A and B in my name and SSN with no missed payments, Amex has refused to permanently correct their records. I have received a letter from their fraud department rejecting my claim under the mistaken belief that I am liable for Account C simply because it was ( incorrectly ) linked to my profile previously. 

This error by Amex has put my financial standing at risk through no fault of my own and continues to impact my ability to access their products and services. I have made numerous attempts to resolve this internally, but Amex is unwilling to fully rectify the situation. 

As evidence, I can provide my credit reports showing only Accounts A and B belonging to me, the rejection letter citing returned payment, point activities ( as proof that my rewards were redeemed through Account C ), and Amex 's letter rejecting my claim.

I am hoping the CFPB can intervene and compel Amex to permanently decouple Account C from my profile to prevent any further negative impacts. This linking error is unacceptable and Amex 's lack of action to fully resolve it is concerning.

Thank you for your attention to this matter. Please let me know if you require any additional details or documentation. 

Sincerely, XXXX XXXX