davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection ) 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.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.
Consumer complaint received 2023-10-10
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. (PA)

In XXXX, I filed a CFPB Case : XXXX against XXXX XXXX in reference to an unauthorized inquiry. XXXX responded in a letter that the hard inquiry will be removed. The inquiry has yet to be removed. I've contacted XXXX XXXX over the phone and didn't get resolution.
Consumer complaint received 2022-12-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I went through a hardship due to XXXX. I lost my job and had no source of income. My last servicer said they would help me. My loan then transferred to SPS. They asked me if I was experiencing a COVID hardship and I was so they put me on a forbearance plan. After the forbearance they sent me a balloon payment that I can not afford. I was told to send in a full modification package and I did. They denied me a modification. Now, I don't know how I will catch up and I am scared of falling into foreclosure. I feel like SPS should not have given me the forbearance if I was going to be stuck with a big payment. I feel as though this was a way to get me behind in my mortgage.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

XX/XX/2020 I received an updated credit report from XXXX  where I noticed an account that was in collections for {$250.00}. The account was from IC System Inc for a medical service provided by XXXX XXXX. I disputed the account with XXXX  and they told me that IC System has verified my identity and that I would have to contact them to remove the debt. I contacted them, verified my name and date of birth and address. They did not have my address on file correctly and could not match me to an account. I had to give them the account number that was on the XXXX credit report. They let me know I would have to file a police report and send it via mail. I sent it and waited a week, checked back in and they said they didn't receive it and it was nothing they could do. I waited another week and they said they did not receive it and it was nothing they could do. I talked to a manager who shared with me more details about the account with XXXX XXXX and it was an insurance company I had never had/used and she advised me to contact them. After my plea for help with this issue she ultimately told me that it was nothing she could do and that there was no alternative way to send in the police report to guarantee they got it. I was told to just wait.
Consumer complaint received 2018-05-06
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: Bread Financial Holdings, Inc. (FL)

Company claims its reporting too the 3 credit bureaus, and bureaus no such reports has been made to them. In fact XX/XX/XXXX & XX/XX/XXXX there were no reports submitted at all.and the balance of the credit remains the in XX/XX/XXXX.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
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. (TX)

TRANSUNION is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting TRANSUNION to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. TRANSUNION has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number : XXXX. XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. TRANSUNION is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (LA)

I have sent mail to the credit bureaus to remove all negative accounts from my credit report. But, they are not removing them. Please remove all negative accounts from my credit report.
Consumer complaint received 2023-10-10
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. (NC)

SENT IN A LETTER VIA PRIORITY MAIL IN ATTEMPT TO REMOVE INQUIRIES THAT RESULT IN THE FORM OF IDENTITY THEFT. THE COMPANIES HAVE FAILED TO RESPOND OR ACKNOWLEDGE MY LETTER AND MY PHONE CALLS TO GET HELP REMOVING THESE INQUIRIES THAT ARE CAUSING ME DENIALS. THIS IS A VIOLATION OF MY RIGHTS PER FCRA. IF THESE ARE NOT REMOVED IN 30 DAYS I WILL PROCEED WITH ARBITRATION AND EXPECT TO BE COMPENSATED
Consumer complaint received 2021-02-17
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 — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

I called XXXX XXXX on XX/XX/2021 regarding a Bankruptcy file that was submitted from Lexis Nexis to XXXX, XXXX, XXXX. I have not received any correspondent regarding the Method of Verification regarding Bankruptcy that was reported to the agencies. I was given Consumer Number # XXXX, Case Number # XXXX was also informed by the United States Bankruptcy XXXX XXXX XXXX do not report this information to anyone.
Consumer complaint received 2023-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

HI my name is XXXX XXXX and i been disputing lvnv funding adn XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap
Consumer complaint received 2023-10-10
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. (TX)

The account in question pertains to a XXXX XXXX Account number XXXX ( XXXX XXXX XXXX  BY XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I opened a premium savings account with Chase Bank ( where I already had a checking account ) and the representative told me the linked debit card included up to 4 fee-free withdrawals from non-Chase ATMs. When I asked him to clarify that these transactions would be completely fee-free he said " yes, no fees, it 's just like you are withdrawing from a Chase ATM. We cover all the fees. '' This oversimplification led me to believe I was being reimbursed for all fees related to the ATM draws. For a year and a half, I used this feature and was charged by the processing bank 's ATM for every single transaction. I recently noticed these charges and called to ask why my non-Chase ATM transactions still have fees associated. Though I now realize that these are fees charged not by Chase but by the banks that own the other ATMs, the banker 's oversimplification has cost me money for 18 months. They said they had no way to reimburse me for these costs. I feel that one of the main features that led me to choose this card was n't a real feature at all, and I 'm out of money just because this banker was imprecise. 

I 'll mention that he also set up my debit card incorrectly when he first issued it, and I did n't have ATM access for days, so it seems that he might not have had proper training.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Creditor : XXXX  Loan Number : XXXX
Consumer complaint received 2023-02-18
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: CLGF Holdco 1, LLC (PA)

There was a new credit card alert on my XXXX XXXX  account, as I looked into this further, it is a credit card from a company called Destiny. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.
Consumer complaint received 2021-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IN)

I received a call from a gentleman who claimed to be with US Bank. That is where I have a home equity loan. He told me I was chosen for a re-structure loan because of covid. When I started to ask questions about the product he was suggesting, he got angry with me and started to yell at me - which sent alarm bells off in my head! I told him I couldn't write anything down because I was driving. Again He got angry and told me to call him back when I was prepared to write things down. I then called US Bank to verify his existence as an employee of their 'Mortgage Assistance Dept. ' They said there was no one there by that name or number. So I am reporting this as attempted scam. What has me extremely worried is he had my information. My work number, the amount of the loan, address, phone number and the last four digits of my SS number. He said his name was XXXX XXXX and his number is XXXX.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
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. (MD)

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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I've attempted several times requesting documents that proves this is my debt. XXXX XXXX XXXX XXXX XXXX XXXX These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under XXXX XXXX, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Sezzle Inc. (IN)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> I was charged {$12.00} each month for a subscription service from Sezzle. I didnt not agree nor sign up for this service. Moreover after contacting the company they sent me an email cancelling my subscription. I contacted my bank XXXX XXXX about placing a stop payment on all current and future debits from Sezzle. The order # XXXX in question is what started my inquiry into my account being debited without my consent, authorization, nor knowledge. XXXX from XXXX is the one sending me emails detailing my complaint. Ive removed my debit cards and placed a fraud alert on my account to prevent any other issues dealing with Sezzle. Please investigate this company to correct any fiduciary misconduct. Thank you.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-04-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I called American express on where to use the prepaid card. It kept getting declined at over 20 merchants. They did not help tell me which merchants would take it. Amex gift cards are a scam
Consumer complaint received 2023-10-10
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: ALLY FINANCIAL INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Subject : Complaint Against Chase Bank for Inadequate Investigation of Dispute Claim ID : XXXX Dear CFPB, I am writing to file a formal complaint against Chase Bank regarding their handling of my dispute claim ID : XXXX. I firmly believe that Chase did not conduct due diligence in this matter and has failed to comply with the Fair Credit Billing Act ( FCBA ). 

On XX/XX/year>, I submitted a dispute regarding a charge on my Chase account for services, not merchandise. Despite providing all necessary documentation, I received a letter from Chase on XX/XX/year>, stating : " Based on the information available, we found that the merchandise was provided, and you didn't return it or make arrangements for the merchant to pick it up. We can't confirm that you're due a credit because the merchandise was not returned to the merchant. '' This response is incorrect and reflects a gross mishandling of my dispute. I paid for services, not merchandise, and Chase 's investigation was clearly flawed. 

On XX/XX/year>, I spoke with XXXX, who identified herself as a manager from the Chase disputes team. XXXX admitted that Chase had made an error in the investigation. Despite this admission, Chase has not taken the necessary steps to rectify the situation or provide a detailed explanation of their investigation process. 

Additionally, I am deeply concerned that Chase 's investigation was concluded in less than 48 hours after receiving my dispute documentation. This timeframe does not constitute a thorough investigation, as required by the FCBA. It is evident that Chase did not take the time to properly review my claim and supporting evidence. 

As per the Fair Credit Billing Act ( 15 U.S. Code 1666 ), I have the right to request information regarding the investigation of my dispute. Specifically, I am entitled to : A detailed explanation of the steps Chase took to determine that the merchandise was provided. 
The evidence reviewed to conclude that I did not return the merchandise or make arrangements for the merchant to pick it up. 
Confirmation that the investigation complied with the FCBA requirements for a reasonable investigation. 
I demand that Chase provide this information promptly and admit to the error made in handling my dispute. Furthermore, I request the Consumer Financial Protection Bureau to conduct an independent investigation into Chase 's practices regarding dispute investigations. It is crucial that consumers are protected from such negligence and that financial institutions are held accountable for their actions. 

Thank you for your attention to this serious matter. I look forward to your prompt response and the initiation of an investigation by the CFPB. 

Sincerely,