davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
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. (KY)

On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Consumer complaint received 2023-11-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/23, I made a purchase at Jareds in the amount of {$3600.00}. The store sales representative confirmed that the purchase would be applied a promotional rate of 0.0 % for 12 months. I agreed to this and made the purchase as this is something that I have done in the past without any issues. 

Since then, my payments were setup for automatic withdrawal from my checking account and there havent been any issues or communication other than emails confirming the payment due amount and date. There have been no emails informing me of statements or notifications of when the promotional rate was ending. 

Recently, I was getting ready to pay off the balance because I knew the XXXX deadline was approaching. As such, I logged into my online account and found that my balance was still {$3200.00}. This was a major red flag considering my payments were between {$110.00} and {$120.00} each month so I was expecting a balance closer to {$2500.00}. 

I immediately called the store to speak with my sales representative and she confirmed I should have received the promotional rate of 0.0 % for 12 months and asked that I called their credit card division of the company. I followed her request to which the credit card division said this was an error on behalf of the store and to consult with them. 

At this stage, no one is providing a resolution to the stores mistake and I have no one to turn to. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I have made multiple attempts to have LVNV Funding remove these collection accounts from my credit report - through LVNV representatives, XXXX XXXX XXXX, and the credit bureaus. However, the accounts remain. 

I have never had an account through XXXX  XXXX ( in fact, I thought it was the same as XXXX XXXX prior to researching ). XXXX XXXX confirms that the accounts no longer show a balance with them, however, the accounts show a balance with LVNV Funding despite my attempts to dispute the validity of the debt due to what I can only assume is identity theft. 

I do want to mention that there have been NO issues with the communication tactics of LVNV - in fact, they have always been pleasant and offered a variety of contact methods without being pushy or mean. However, there seems to be no recourse for me to dispute this debt other than via this avenue.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My Only name and address is what's listed on the complaint. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of my rights.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

I had done my taxes with a freelancer and noticed I was approved for the additional amount on my taxes on federal was done was told by the irs my state was also been garnished and I never done state so I have to look into that more but had my taxes done seen another freelancer got back to me once I have received the information on my taxes an was told by the 2nd freelancer I was actually owed more then the initial refund which was XXXX $ me noticing u didnt receive my state taxes I assumed he was right and followed in proceeding with him the 2nd freelancer that is and was told to send the money back to him so he can send it to the irs while doing my taxes so he had my login information as far as my account and routing numbers and I didnt give him any permission to take the full exact amount out of my account which he did idk how he was able to do such a thing but he did and come to find out I had been dealing with a pirate/scammer on the internet and seen the unauthorized transactions and failed attempts to cash app but one main successful transfer threw chime to chime to a XXXX XXXX which was a dummy chime account that I was told by a chimes supervisor and I need my money back immediately before I take even further action I gave compelling evidence and was denied on my money 7 times on a fraud disputes with chime while showing screenshot evidence from cash app alerting me saying scam alert and they still allowed him to impersonate me as if I was doing these transactions myself which wasnt me at all showing compelling proof I was denied a 7th time for XXXX $ and over looked on my disputes on money I never got to see or ever use for my own beneficial purposes and wanted to get a hold of you guys before I filed a police report against them an a lawsuit against them for an unauthorized transaction on my tax money refund which I have even had several of text messaging screenshots while they are also holding up my other disputes because I wouldnt leave this one alone two other ones thats which a XXXX clothing company for XXXX $ and one from the freelancer website I used to get services for my taxes for XXXX $ and some change which I have all the information in files as PDFs I can send over to you guys to apply some pressure and making sure I get my money issued back into my account for they are held accountable for this fraudulent act
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc. (AZ)

So I found a complaint for unauthorized charges on the XXXX I had a XXXX sweepstakes online gaming places they ripped me off I deposited a bunch of money with them and then where I bought the coins or whatever and then after I won money I tried to cash it out and they closed my account and kept all my money so therefore I did not receive services that I paid for so I filed a complaint with the branch app and I haven't heard anything to this point they generally are not very helpful and I need somebody to step in and make sure that I get my money back I've already lost over {$1000.00} to the sweepstakes casino and I want a bunch of money and I need my bank to come through for me
Consumer complaint received 2023-03-16
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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: CITIBANK, N.A. (TX)

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. XXXX5 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads 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. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I filed a dispute with capital one for XXXX XXXX. I was given a provisional credit. They cancelled my card and sent me a new one. I thought my XXXX XXXX  was secure so I linked the new card to it. It was not secure and the scammer transferred money over from my linked debit card. XXXX XXXX denied the second dispute. Today they found me in favor of my first disputes but the second dispute is denied still. How can they approve XXXX of the disputes in my favor but deny XXXX of the disputes when they were the same exact thing related to the same exact issue.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We opened a XXXX saving account with Capital One with a promote code XXXX. If we deposit {$20000.00} with in 15 days we will receive {$300.00} dollars bonus. 
After opened the account we deposited {$1000.00} and contact Capital One 360 Saving to confirm the bonus of {$300.00} before we deposit {$20.00}, 000, and Capital One 360 Saving denied the bonus. So we decided to close the account. 
On XX/XX/2023, we withdrew by making a transfer of {$1000.00} from our Capital One 360 Saving to our XXXX XXXX XXXXXXXX account ( the account is already in Capital One 360 Saving record ) in order to close the Capital One 360 Saving account. But the Capital One refused for us to withdraw and transfer our money back to our XXXX XXXX XXXXXXXX account. 
On XX/XX/2023, we contact Capital One 360 Saving to request the withdraw/ transfer, Capital One 360 Saving still refuse to pay us.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (OK)

accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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.

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 2023-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NC)

I believe the account is invalid. PARAGON REVENUE GROUP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. PARAGON REV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (GA)

On XX/XX/2023 I received a email stating I had a new account with Chime. I had not signed up for an account. I assumed someone had mistakenly typed my email. On XX/XX/XXXX I received another email from Chime stating I should be on the lookout for a Debit card being sent to my old address. At that point I knew someone had to have fraudulently opened a checking account in my name if they had my previous address and my email. I contacted Chime and told them it was fraudulent and they shut down the account. They advised I file a claim here. I then checked my credit report and found no credit pulls by Chime, so that was very odd that a bank account could be open in my name without showing on my credit report. I also did not immediately see anything erroneous, but there could be a delay in reporting. If a perpetrator is found, I would like to press charges. 
I have also filed a report with the Federal Trade Commission.
Consumer complaint received 2023-11-25
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: Experian Information Solutions Inc. (IL)

I understand consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit but nothing in my report is benefiting me or my credit standing, if anything it is harming my reputation, defamation of character, and capacity. Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Experian is reporting an account without having done an initial investigation. 
An account with the name " XXXX XXXX XXXX '' is reporting on my consumer report. This account is inaccurate. This organization never had my permission to report on my consumer report. Who did they investigate? This is damaging my report and reputation as a consumer. 15 USC 1681a ( 2 ) ( A ) ( i ). I am requesting this account be removed immediately!
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NJ)

My mortgage was transferred during Covid to Shellpoint mortgage service from XXXX during Covid. I was initially placed on forbearance, and when the forbearance was over, Shellpoint put me on scheduled payments. I paid every payment either early or on time. The first payment was due in XXXX. Once I was given the amount, I paid it early in XXXX. Shellpoint reported it 60, 90, and 120 days late, although it was never late, paid early, or on time ( see attached documentation ). I sent documentation to XXXX verifying this, but they have not removed it. I have never been late. I was under COVID-19 protection once over ; I immediately resumed payments. I have been dealing with them for over two years.
Consumer complaint received 2023-11-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I was given the American Express e-gift card on XX/XX/23 in the amount of {$35.00}. I have confirmed the card is active and the balance is available, yet when I have tried to use this gift card following every rule as outlined by American Express, the card is declined. I have always processed purchases for under the {$35.00} amount and it is declined each time. I have tried purchases from XXXX, XXXX, XXXX and XXXX. Each time, the retailer will hold a small amount ( {$0.00} ) and eventually, the hold is dropped because the purchase was declined. I have also attempted purchases using the card via XXXX XXXX without success. American Express has effectively left me with no method to access or use this gift card.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

After my last complaint in CFPB, HSBC replied to me that my account access was restored on XX/XX/XXXX after the review was completed, but I logged on and my account still was suspended, I want to know what's the reason for that