davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As stipulated in 15 USC 1681 section 602 ( a ) of the FCRA, it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. I am particularly attentive to the principles outlined in 15 USC 6801, which underscores my prerogative to safeguard the privacy of my personal information.

Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. In light of this, it is crucial for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as outlined in section 1681b.

After a thorough examination of my credit report, it has come to my at
tention that certain accounts may not be in compliance with these regulations. Specifically, I am requesting the removal of the following accounts : XXXX XXXX XXXX - Balance : {$13000.00} XXXX XXXX XXXX- Balance : {$3300.00} In accordance with my rights afforded by 12 CFR 1016.7, I am exercising my right to opt out of certain information sharing practices. Additionally, pursuant to 15 U.S Code 6802, as a financial institution, I kindly request the provision of the original contract with the original signature and creditor information associated with the aforementioned accounts. 

Thank you for your prompt consideration of this request.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

My checking account at chime banking was compromised and over {$1600.00} was stolen from me. I tried to dispute with chime twice but for denied instantly. I reopened the disputes as I cant afford to lose this funds but chime denied it once again. Im looking to recoup my loss and get my money back
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

as i said in my last XXXX fraud complaint on CFPB website... i am claiming XXXX fraud/Unauthorized checking acct transaction of {$1000.00} which occurred at a local citibank atm XXXX XXXX or XXXX location?? ) which occurred on XX/XX/2024 ( i was given a new Case Appeal ID to dispute i did not use my citibank debit card to withdraw {$1000.00} dollars out of my checking account ; i rarely draw more than {$500.00} dollars at a citi atm ... the new Case Appeal ID i got today XX/XX/2024 is : XXXX... ) ... still no citibank atm surveillance tapes request unanswered as of yet... 

Please give me some resolution to this XXXX fraud! 

XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX XXXX And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

Hello CFPB I am writing this message to let you know that on XXXX the XXXX XXXX  I was expecting to received a payment to my bank Account but I did not received any payment. The money was sent from Chase Bank ( USA ) to the account number I have with BBVA ( PERU ). I will attach the proof of transfer that was made to me from abroad so that you can help me. 

Looking forward to hearing from you soon, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (PA)

There is an XXXX account in collections for the amount of XXXX from XXXX. 


During this time I didnt reside at that location. I moved from the location in XXXX. 
I have disputed this account numerous of times. 
Asking that the company provide a sign contract with my signature. They failed to do so. But keep putting this information on my credit report every month.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NJ)

Ive reach out to this community affirm on several occasions requesting them to dilute this transaction against this merchant since the merchant cancelled my order and never refunded me. Its always a hassle on long period of time for this company to open a dispute and investigate what happen, they always push you around and the end they never respond or update. I have submitted all the proof showing the merchant canceled my order and never issue me my refund
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Waypoint Resource Group, LLC (SC)

I pulled my consumer credit report and notice that this debt collector is reporting inaccurate information on my report. Never have I ever done any business with Waypoint Resource Group or gave them permission to contact me concerning this alleged debt.
Consumer complaint received 2023-11-09
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (SC)

I am writing to address serious concerns regarding the accuracy of information on my credit reports, which I believe to violate my federally protected consumer rights under 15 USC 1681, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated to XXXX, TransUnion, and XXXX, requesting a reinvestigation into the following accounts : XXXX. Account name : XXXX XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX  XXXX. Account name : XXXXXXXX XXXX XXXX  XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX Regrettably, their responses assert that all information is complete and accurate. However, this assertion contradicts the discrepancies I have identified, specifically concerning the open date, date of last activity, and various other critical details. Per 15 USC 1681i ( 5 ), it is my understanding that these agencies are obligated to modify accounts that are inaccurately reported.

As outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given the disparities I have identified, it is evident that inaccurate information has been provided to these agencies.

I urge you to conduct a thorough review of my dispute and take prompt corrective action to rectify the inaccuracies in accordance with the FCRA. Failure to address this matter appropriately may compel me to pursue legal remedies available under the FCRA to safeguard my federally protected consumer rights to privacy and confidentiality.

Your immediate attention to this matter is appreciated, and I anticipate a resolution within the legally mandated time frame.
Consumer complaint received 2023-12-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must remove these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (FL)

Since XX/XX/XXXX and through XX/XX/XXXX, XXXX was fraudulently charging my credit card with Aspire ( card ending XXXX ) for a total of {$260.00} for alleged meal plans I never authorized nor received. I contacted Aspire and while they credited the account after closing same, they reversed the credits on XX/XX/XXXX and expect me to pay for something not authorized and not received. Attached are documentation sent to Aspire.
Consumer complaint received 2021-10-14
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. (PR)

I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks. 
Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

My account was restriction on XX/XX/XXXX. Received a notice in email stating my balance is XXXX XX/XX/XXXX. Called social security to inform them my account is XXXX dollars. Social security stating there is no asset recovery and chase bank stating funds are mine. Return to chase bank where they stated I was going to get a check and notice that was sent out on XX/XX/XXXX. It now XX/XX/XXXX haven't received anything returned to chase now they are stating they don't know and never told me anything about check. Getting the run around still can not get social security turned on until I get letter from chase stating why account closed and where funds are going please help me this is stressing me out. I don't understand what's the problem why can't they just give me something in writing this is illegal thanks
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Money Stash, L.L.C. (MO)

On Monday XX/XX/year> I received a call from XXXXXXXX XXXX XXXX is what the lady said on the voicemail. The number that came up on caller ID is ( XXXX ) XXXX. I called the number back to see what this is about and a woman named XXXX is working on collecting a debt for a payday loan. I told her my lawyer 's name and not to call this number again. I have filed for XXXX XXXX bankruptcy and have been officially discharged as of Friday XX/XX/year>. Debtors are now barred from reaching out to me whatsoever. She said she will take me out of the system but I have also received a call from a XXXX number that according to robocall killer is another number they have.
Consumer complaint received 2023-09-25
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. (TX)

I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 

Specifically, I am disputing XXXX XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 

I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 

Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.
Consumer complaint received 2024-04-22
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX  XXXX : XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (CA)

In XX/XX/year>, I Sent XXXX Credit Bureaus a dispute that the company WILLIAMS AND FUDGE I with a balance of {$3100.00}. The credit bureaus is reporting false information and reporting accounts that do not belong to me. I sent the company a letter and a copy of my identification card. The letter requested that the item needed to be verified and removed. I also requested they send me the steps on how they confirmed that these accounts were mine. They failed to do so, with only a response that stated the account was verified but failed to provide proof of their investigation to claim so. 606 ( b ) - 15 U.S.C. 1681d states Disclosure on request of nature and scope of the investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is later. 623 ( 9 ) ( b ) ( 1 ) ( E ) ( ii ) - 15 U.S.C. 1681s-2 states, If an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly delete that item of information. I, the consumer, am requesting the immediate removal of this false reporting on my credit report.
Consumer complaint received 2023-09-02
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. (AZ)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was looking to buy a home, on XX/XX/2023. I went to annualcreditreport.com to look at my credit and discovered that my credit card was damaged badly! According to the 15 U.S.C 1681 law, there should not be any damages on my report which is defamation to my character.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NY)

I started a new lease with Ally financial and I get the welcome letter in the mail to set up my online account. When going to set up the account I get an error message. I call customer support and they say that this is a known issue that has been around for a week and they will fix it... eventually. Paying online through their website is the only secure way to pay without a fee. my current bank does not have bill pay and if I want to pay over the phone Ally wants to charge me {$4.00} for something that is clearly their fault. The other option is to send an in an automatic payment form by mail which is insecure. They refuse to give an ETA for when I will be able to access my account information.
Consumer complaint received 2023-04-28
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: World Acceptance Corporation (GA)

I was robbed when I was working for XXXX XXXX! My Wallet was stolen and car keys! Someone opened two accounts in my name with out my knowledge and Im having a hard time getting them removed and deleted! Im trying to buy a house and its stopping me from getting the home at this time!
Consumer complaint received 2023-09-25
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)

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 names/ Numbers XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

I didnt open these accounts!