davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting 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. 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 2023-12-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (PA)

XXXX XXXX is XXXX XXXX XXXX. he receives social security from his deceased mother he is an XXXX. I checked his social security and XXXX dollars was missing. I checked the statements and it it so obvious it is fraud. there are sometimes up to 20 transactions a day for anywhere from XXXX cent to XXXX dollars. the purchases are from all over the country and all over the world. Direct express only returned XXXX. I am seeking an additional XXXX. if you google direct express you will see that they have had several lawsuits and 1000s of claims on losing funds. they are known to do this. they have a terrible reputation. This is government money that is going to an orphan is there a sadder statement? please help me to return those funds to this great XXXX  man.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On the morning of XX/XX/2023 I noticed that my bank cards and both my cell phones were stolen by someone that I know. I was able to get online just before noon to disable transactions on my cards and report my cards stolen. By the time I did that, the thief had made 3 atm withdrawals for {$200.00} ( XXXX ), {$1000.00} ( XXXX ), and {$500.00} ( XXXX ). They also loaded {$25.00} onto their XXXX XXXX at XXXX. All the transactions happened within about a thirty minute window that morning of the XXXX. I filed a police report and tried to dispute the charges that day. Chime said I had to wait for the transactions to move from a pending state to completed. I then disputed the transactions but at the time I didnt notice the initial {$200.00} atm withdrawal they did at XXXX. Chime came back and said there was no error several times. They knew my pin because they likely watched me punch it in at an atm before without me knowing. They even knew my cell phone pin likely the same way. 

Chime said they couldnt add the {$200.00} atm withdrawal to my existing dispute even though it happened during the same incident. So I opened up another dispute for just the {$200.00} Chime came back after my complaint to CFPB about them and credited my account with the {$1000.00}, {$500.00}, {$25.00} But now theyre denying the dispute of the {$200.00} withdrawal. This is absolutely unacceptable. Is someone actually working the disputes. It seems like a canned auto-response. Denial because theyve checked their systems and no errors were found. Seriously come on.
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (AZ)

the company called me to try to collect on a XXXX loan that someone applied for. I see there are some soft inquiries on my credit on XX/XX/2024 regarding this inquiry. It was not me. XXXX told me it was a $ XXXX personal loan someone took out using my info. They said they couldnt remove without a police report and want me to do the work to prove it wasn't me, when they should be proving it WAS me... however I have no need for a $ XXXX dollar personal loan. 

I need your help in getting this resolved before it damages my credit. Thank you,
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (PA)

Dear Sir/Madam : I have tried at least XXXX times to get my Equifax credit report and was unable to get it online or by XXXX mail XXXX I then used an online free credit reports site which got me the XXXX and XXXX XXXX XXXX immediately. They reported my credit as excellent. They could not get the Equifax credit report.. Just as I was unable to get it. I wanted the Equifax report since my XXXX XXXX credit card company mentioned that there was an outstanding car loan issue on their Equifax report. I have not had a car loan in XXXX years. I can not remember ever taking out a car loan. I paid cash for my current car in XXXX. I then again got back to Equifax directly and they again sent me ( by XXXX mail ) a 10 digit code to enter at their site. I did it multiple times and their site would not accept the code. I was instructed to call 'customer support '. They told me the site was down. They again sent me another code by XXXX mail.. That did not work either.. I called them again. They said they could not help me since I did not have a cell phone to receive a text message to verify it was me.. It is a dead end. I can not get a credit report from Equifax. Any help would be appreciated.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XX/XX/2024 - {$2200.00} The company has deleted this item from XXXX. 

XX/XX/2024 - {$1400.00}. The company has closed this item on XXXX. 

XX/XX/2024 - {$2200.00} is still reporting on Equifax and XXXX XX/XX/2024- {$1400.00} is still reporting on XXXX, Equifax and XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX is reporting a debt that is older than 7 years and inaccurate. 

XXXX XXXX  XXXX over 7 years DEPT OF EDUCATIONXXXX XX/XX/year> missed payment is inaccurate!
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have recently reviewed my credit reports from XXXX, Equifax, and XXXX and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

on or about XXXX i filed a complaint ( included in the complaint was a copy of my new york state drivers license with current address, bank statements, XXXX, and etcc ) with equifax information services LLC concerning incorrect or/and fraudulent personal information on this writers personal credit profile. on or about XXXX equifax responded requesting the same identifying information that was already submitted on XXXX so one XXXX this writer filed a complaint with the CFPB for deliberately refusing to address this writers complaint. after several days equifax responded to the CFPB complaint repeating the same lie/excuse they need more time. on or about XXXX equifax sent a letter to this writer repeating the same lie/ excuse/. ( see attached letters from equifax ) This company is KNOWINGLY, DELIBERATELY and WILLFULLY attempting to sabotage this writers credit and financial future. In addition, once again, equifax is in violation of 15 usc 1681 and the previously settled class action lawsuit ( XXXX ) In addition, the same request to remove incorrect addresses was submitted to transuion and experian. XXXX timely removed the incorrect / fraudulent addresses. ( see attached )
Consumer complaint received 2024-03-30
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: Zions Debt Holdings (NV)

XXXX XXXX continues violate the FCRA of 15 USC 1681n Willful Non compliance and 15 usc 16810 Willful Negligence. I have repeatedly aske them to remove inaccurate information from my report and they continue to not re investigate the inaccurate and incomplete information being furnished on my report. By The Credit reporting agencies own standards they fail to comply with the XXXX XXXX guidelines. I have again attached my proof of the continued non compliance of the XXXX XXXX.
Consumer complaint received 2023-12-16
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: SYNCHRONY FINANCIAL (FL)

Lowe 's of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX http//wwwlowes.com. I bought on line ( XX/XX/XXXX  ) a storage shed. The person assigned to pick the shed up was XXXX XXXX, who pay it again and did not keep of the receipt of the transaction .On XX/XX/23 we went to the store in order to get a duplicate of the receipt, like in other stores ( XXXX XXXX ). The employee who assisted us were XXXX and XXXX who give us a document that says WAS SOLD TO XXXX XXXX, but not the copy of the receipt. I put a claim on the Synchrony Bank/ Lowe 's Advantage Card XXXX XX/XX/23 I spoke with XXXX . Later I saw that Lowes charged me the amount of {$460.00} again plus interest. I call them and XXXX told me that the case was solved against me ( XX/XX/XXXX  ) and they would let me know in writing. Since the letter has not arrived I am turning to you to help me resolve the case. I present this petition in XXXX to Consumer Protection Division and XXXX XXXX and she sent me to your agency. Thank you.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (OK)

To Whom It May Concern, I hereby submit this correspondence to dispute the accuracy of the collection account reported by Aldous and Associates on my credit report, and to demand a cease and desist regarding the same. The account details are as follows : * Reported Date XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} * Overview : Needs Attention. You have 100 % left to pay on this collection. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open * Type : Derogatory * Responsibility : Individual * Remarks : Account information disputed by consumer, meets FCRA requirements I assert that the reporting of this collection account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Inaccurate Reporting : The reported balance and account status do not accurately reflect the true state of the account, contravening FCRA 623 ( a ) ( 1 ) ( A ).

* Failure to Investigate Dispute : Aldous and Associates has neglected to conduct a reasonable investigation into my dispute, as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

* Failure to Report Accurate Information : Aldous and Associates has inaccurately reported information regarding the original creditor, in violation of FCRA 623 ( a ) ( 1 ) ( C ). 
Furthermore, pursuant to the statute of limitations for creditors to report a collection account in the state of Oklahoma, which typically spans 5 years, any collection account exceeding this timeframe is deemed time-barred and should not be reported on my credit report. Thus, the reporting of this account constitutes an additional infringement of my FCRA rights. 
Moreover, I hold XXXX accountable for allowing this account to persist on my credit report beyond the statute of limitations, thereby further breaching the FCRA. 
Should this dispute not result in the deletion of the aforementioned collection account, I will be compelled to escalate this matter to the Attorney General of the state for the violation of my FCRA rights. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and ensure that Aldous and Associates and XXXX rectify the inaccuracies and expunge the collection account from my credit report. Additionally, I request written confirmation of the investigation 's conclusion and the subsequent corrections made to my credit report. 
Please consider this as a formal dispute and demand for a cease and desist regarding the inaccurate reporting of this collection account. 
Thank you for your attention to this matter.
Consumer complaint received 2024-04-24
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-24
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. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IN)

I have returned my item from Best Buy and was still charged. I have struggled to pay an item that was returned. Ive reached out and they did not assist me properly XXXX XXXX Online order XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I filed a dispute through Wells Fargo, they closed the case. I escalated the case and an executive reviewed the information and closed the case again. 

I wasnt going to escalate this a third time, but I have just received the documents that I requested nearly a month ago and despite several recordings of me stating that the problem wasnt that I never received the product, it was that they were withholding a refund for a product that was no longer functional.

The teller who originally helped me input the wrong chargeback code and no one properly addressed this. The proof that the merchant provided is not sufficient. I feel like everyone involved has been failing to advocate for me by choosing lazy solutions, and Im suffering for it by losing my money to a merchant who did not have to provide a working service to me.
Consumer complaint received 2024-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (PA)

Since XXXX | have been being contacted my XXXX  XXXX XXXX about a balance owed to them for a XXXX  visit. I told them multiple times I had insurance at the time & was never given any type of contact information for me to send over my insurance information. I go to check my credit report & see that my account was now sold to American Collections even after telling the original company each time that I have health insurance which would/should have covered the stay. Ive tried contacting American Collections multiple times via phone with no luck. This account should in no way be on my credit report when I was never given the proper process to resolve this issue.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
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: SANTANDER HOLDINGS USA, INC. (NJ)

Credit Dispute Letter to Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX Santander Consumer USA Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account Dispute XXXX Dear Santander Consumer USA, q This letter is to formally dispute the credit reporting activity on my account # XXXX I am writing to inform you that my account was included in a recent class-action lawsuit settlement regarding Santander 's lending practices in New Jersey . As part of the settlement agreement, Santander is obligated to delete all references to this account from all consumer reporting agencies.

Legal Basis for Dispute Class Action Lawsuit Settlement : Please be advised that this account is subject to a class action lawsuit settlement that requires Santander to delete this account from all credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1681e ( b ) Compliance : I request a copy of the 1099-C form reflecting the charge-off of this account, as required by the FDCPA.

o 15 U.S.C. 1682g ( b ) Validation of Debt : Since this account is included in the class action settlement, I request validation of this debt according to the FDCPA. Please provide detailed information regarding the debt, including the creditor, original amount, and charge-off date.

New Jersey Statute of Limitations : Furthermore, I believe that any attempt to collect on this debt falls outside the New Jersey statute of limitations for debt collection. Please confirm that you will cease all collection efforts on this account.

Request for Action I request that Santander immediately take the following actions : Confirm deletion of this account from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Provide a copy of the 1099-C form reflecting the charge-off of this account.

Validate the debt according to the FDCPA.

Cease all collection efforts on this account.

I have attached a copy of the class action lawsuit settlement agreement for your reference.

I look forward to your prompt resolution of this matter. Please contact my Attorney XXXX XXXX at XXXX XXXX XXXX, to discuss this further. 

Sincerely, XXXX XXXX Important Note : Here is the settlement agreement. I am apart of this settlement. Please contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You should call Santander to inquire whether your defaulted loan ( was in default as of XX/XX/XXXX, car repossessed and sold but a balance remains on the loan ) qualifies for a deficiency balance waiver.
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MS)

My name is XXXX XXXX, I opened a square Account for my business to process payment but all of a sudden they do not allow me to withdraw my {$50.00} of sales which I made. 

I would like the government to reach out to square on my behalf to allow them to withdraw my funds or to let them tell me when I'll get access to money The email address associated with my square account is XXXX XXXX