davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (NY)

As a Federal Protected Consumer, I am writing to XXXX AND BY EXTENSION TO XXXX AND TRANSUNION to remove all personal private information and inaccurate account information from my credit report EFFECTIVE IMMEDIATELY. 

ENFORCEMENT- PURSUANT TO XXXX XXXX XXXX - ( a ) IN GENERAL Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX U.S.C XXXX XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Criminal liability for willful violations. - XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby revoke all Authorization, I the creator/ consumer may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per XXXX XXXX XXXX. 
I also opt out pursuant to XXXX XXXX XXXX, XXXX XXXX XXXX ( b ) ( XXXX ), THE PRIVACY ACT OF XXXX and XXXX which clearly states f ) Continuing right to opt out. A consumer XXXX exercise the right to opt out at any time. 
Under XXXX - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) CHARGE OFF - Any charge-off is a XXXX of Indebtedness and therefore considered income and income can not be reported. See XXXX, XXXX XXXX XXXX - XXXX : XXXX. 
XXXX ) Pursuant to XXXX XXXX XXXX is the policy of the XXXX that XXXX 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 non-public information. 
ALL TRANSACTION HISTORY MUST BE DELTED FROM REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED. 
XXXX ) All Hard Inquiries must be removed as they are NOT open accounts and should be removed per XXXX XXXX XXXX, THE PRIVACY ACT OF XXXX & XXXX XXXX XXXX ( b ) - Permissible purposes. I also opt out of reporting all soft/ hard inquiries under XXXX and further exercise my right to deletion. 
XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024 my debit card was used to make an unauthorized purchase of XXXX at a XXXX store. I noticed on XX/XX/2024 I immediately contacted my bank to report the problem, my back told me the would investigate and temporarily refund me while the investigation was ongoing. I then checked the status of the claim days later and was told the claim was closed due to my personal pin being used at the time of purchase. Which was a complete false statement I then reached out to XXXX to figure out if the unauthorized purchase was made by pin to later find out it was a credit approved purchase. I then reached back out to my bank ( chase ) to reopen the claim but was denied.
Consumer complaint received 2024-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (PA)

It has been about XXXX months since I have sent wells fargo a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account
Consumer complaint received 2024-04-19
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
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 XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (GA)

When I continue to report this Consumer Protection Bureau says its a duplicate. It is NOT. Its been a month and PayPal Credit, after staying on them, did report the correct balance but they won't show it as being closed account. 

XXXX will not allow me to go online and dispute it as well. Please use this letter attached and show the account as closed PayPal credit and XXXX and other bureaus!!!!! 


XXXX Credit usage 35 % Balance {$2200.00} Balance updated XX/XX/XXXX Credit limit {$6400.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Highest balance {$7600.00} Monthly payment {$90.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, y
Consumer complaint received 2023-04-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
PORTFOLIO RC Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. 

Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. 

This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!
Consumer complaint received 2023-02-02
Product: Checking or savings account — Savings account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (NY)

I eas using XXXX for over XXXX XXXX years and in XX/XX/2021 the company was compromised. My information was stolen and sold on the internet. I told them to stop billing me and close the account. They didnt even do anything about said I owed them several months for service I didnt use. I also told Wells Fargo to stop paying XXXX because I wasnt using the service. Wells Fargo paid them and charged me fees for overdraft. Also my credit rating was about XXXX at least. Its now about XXXX. I never made any of the fraudulent charges and nobody did anything to help me.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (KY)

My 4 loans with Navient went out of forbearance. I had never had a forbearance only last a month and they didn't inform me it was over. However on my credit report it goes from current to a 90 late and 2 concurrent 120 day lates in XXXX XX/XX/XXXX. It goes from current to 120 days late in XXXX and XXXX In XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2024, I noticed that my credit report was full of inaccuracies. The personal information on all reports were inaccurate, they were full of wrong addresses, dates and accounts that were supposed to be closed were listed as open. I sent certified letters to all three bureaus on XXXX XXXX, and they were delivered by XXXX XXXX. I waited the 30 days to for them to reach out with a response to no avail. I called back after 50 days for the reporting agencies to act like they didn't receive my request for updates and deletion of incorrect information. They also wanted me to start a new dispute over the phone when they clearly disregarded the certified letters I sent. After I spoke with Transunion, they removed XXXX XXXX XXXX as it was reporting incorrect information. However, after a week the company reinserted the negative information on my account without verifying anything. Which to my knowledge is against the law, they didn't even respond to my request for the info I requested. It has now been over 105 days and the credit bureaus still haven't sent me any report of an investigation. These inaccuracies are harming my livelihood on a daily basis. I run a business and can't get credit, purchase a vehicle or qualify for loans or bank accounts due to this ongoing problem! I need your help Please!
Consumer complaint received 2024-01-12
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: OneMain Finance Corporation (TX)

They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (PA)

I received an advertisement for a no-fee, high-yield checking account and opened one. About 10 days later, I got a letter stating my credit score didn't meet their requirements. Not only was my application denied, but they also restricted and closed my brokerage account without explanation. They didn't clarify why a credit score is necessary for a checking account or stock trading. Credit scores are typically for lending, and I wasn't seeking a loan. It's perplexing that " excellent credit '' is now seemingly a prerequisite for investing. This requirement wasn't disclosed on their website or in any documents. It feels like a bait-and-switch scam to gather my personal information through their app. I'm disappointed with Charles Schwab 's approach, as it seems quite deceptive.
Consumer complaint received 2024-01-12
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NC)

I returned a hot tub that I bought from Amazon. I have a tracking number. I was never credited for the return. I have disputed the charge with synchrony bank 3 times. They said the item wasn't returned properly. It was bought on XX/XX/2023. I was charged {$3900.00}. It was picked up by truck on XX/XX/2023. The tracking number is : XXXX. Synchrony bank continues to bill me and will not credit my return.
Consumer complaint received 2023-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NV)

This company has reported a negative mark on my credit stating I opened an account during covid 2021, which is untrue. This mark is negative, and they failed to provide me with the paperwork showing I signed for this account. This account is not mine.
Consumer complaint received 2024-04-19
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. (NJ)

TransUnion is reporting a account that the company has already agreed to remove back in XXXX. This is a complete invasion and disregard for the consumer privacy under the Privacy Act of 1974 5 USC 552a. And is a disregard for the expressed CONTRACT already established by the Consumer and the person reporting the information ( a copy of the cfpb complaint place on credit collection service is attached. I shouldn't Have to complain to the CFPB for Transunion and its employees to do the job/ role they assumed. The Credit Collection Service Account being reporting by Transunion goes against The Fair Credit Reporting Act as well, and it seems TransUnion and its employees want to make up their own rules when it comes to a CONSUMER report, 15 USC 1692a ( 2 ) ( A ) ( i ) transaction history DOESNT belong on a CONSUMER report a copy of that will be attached as well since you seem to not understand it. As I'm sure you are aware of the 16 CFR 313.7 ( f ), I have a federally protected right to opt out of you reporting information at any time and it continuous, I'm expecting not more that 2 days for this to be off of my consumer reporting, DELETED!!! As it should have already been. One of the principles of EQUITY is : Equity recognizes what should have been done as already done!
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for the AMEX gold card application # XXXX They've admitted that they are violating the ECOA XXXX I have spoken to them over the phone but they said there's no way they can overturn the decision because it's automated ... that's a lie. According to the ECOA, everyone should be equally treated in terms of credit. They have also violated the following : 15 U.S.C. 1691c, 12 C.F.R. Part 1002 Regulation B, Title 15 U.S.C. 1602 ( p ), Title 15 U.S.C. 1644 ( f ), and Title 15 U.S.C. 1611.

I made an application in good faith however I didn't get anything in return made & credit was not issued. Therefore, American Express is out of compliance with 15 U.S.C. 1642, U.S.C. 1681m and 12 C.F.R. 1002 Furthermore, because the social security number ( credit card ) was used in an application process, thus generating a promissory note, of which the principal has not received any benefit thereof, this constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. The denial has caused injury and damages to myself, XXXX XXXX the consumer pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o. This denial constitutes discrimination.

26 CFR 301.7701-11 as security is defined within the meaning of this regulation in reference to the social security number as ... or warrant or right to subscribe to or purchase, any of the foregoing ; negotiable instrument ; or money. - ( Source : 26 CFR 301.6323 ( h ) -1 ).

I have also filed a FTC report due to identity theft on my credit report which is affecting things here. The credit bureaus are taking forever to get this situated...

I've also NEVER given lexis nexis consent to obtain my personal information nor to allow them to disclose my personal information to XXXX party companies
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (LA)

They told me to pay XXXX XXXX dollars a month. My XXXX years of age no longer allowed me to work. I explained to them that my hardship was due to my lack of being able to meet this obligation. Ill health no longer allowed me to be able to properly take care of my obligations. I could barely take care of myself anymore. I made timely payments never missing a payment and could no longer make those payments.i e plained as best as I could explain my situation.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent the letter on XX/XX/2023, letter the reason why I sent this letter XXXX said everything was complete and accurate on my credit report. Here is my certified tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The reason why I sent this letter is because XXXX said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within XXXX days according to the law. And I haven't received anything, and it's been over XXXX days. This is very frustrating, disappointing, and stressful!
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I am a former Truist customer and I recently moved. I would like to receive my XXXX as I believe my sign-up bonus may be counted as income on this document. I attempted to call to update my address. Truist will not supply it to me online and they refuse to update my address.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"