davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under Trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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 These Inquiries were not authorized XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2024 I initiated a wire transfer from Ally Bank to another bank account which is also in my name. The money transfer form promised same day delivery. I placed my wire transfer request at XXXX XXXX, many hours before the XXXX XXXX  cut off time, and the wire transfer stayed in " review '' all day. I am transferring money out to purchase a vehicle and I may lose the vehicle if the wire transfer does not come very soon.
Consumer complaint received 2023-12-13
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. (GA)

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, 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 an 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 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

My student loans were transferred to Mohela in XXXX, after being serviced by XXXX XXXX and XXXX. In XX/XX/XXXX, I received notice from the Department of Education that my loans were to be forgiven due to borrowers defense via the XXXX XXXX XXXX lawsuit, and that I would receive a refund for all payments made to my 12 direct student loans. In XX/XX/XXXX, Mohela discharged my loans. After waiting for a refund I never received, I contacted Mohela who told me that XXXX XXXX would have to refund my payments ( all payments were made to them, but they are no longer in business ). I called Mohela in XX/XX/XXXX and requested my payment history from prior servicers. They told me it could take 30 days to receive. At the end of XX/XX/XXXX, I received a letter from Mohela indicating they canceled my request due to my loans being paid in full. I then submitted a complaint with Federal Student Aid in XX/XX/XXXX and they responded in XX/XX/XXXX, indicating that Mohela was submitting a prior servicer refund request and I should receive my {$590.00} refund in 90 days. I didn't receive that refund check until XX/XX/XXXX, but I am still owed much more than that for all of the payments I have made on these loans. Mohela had until XX/XX/XXXX to send my refund amount to the treasury department and has failed to do so. I still haven't received my payment history from the life of my loans and I don't believe Mohela has my payment history.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Lennar Financial Services, LLC (FL)

I am writing to file a formal complaint against Lennar Mortgage , LLC for their refusal to delete my personal information following my withdrawal of consent. I served as a co-signer on a mortgage application ( loan numbers XXXX and XXXX ), which was eventually denied after my request to withdraw consent l. 

Despite my request for the deletion of my personal information on XX/XX/year> in a written email to Loan Officer XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ) in copy, Lennar Mortgage, through XXXX XXXX, Production Manager, has refused, citing on XX/XX/year> : > " We have a legal obligation to retain any information related to the loan application/transaction to comply with our lending laws, which includes loans that have been dispositioned. We can not remove personal information provided. '' I believe this refusal violates the Gramm-Leach-Bliley Act ( GLBA ) and other relevant consumer privacy laws. The GLBA requires financial institutions to protect consumer privacy and honor requests for data removal.

I request the CFPB to investigate this matter and take the appropriate actions to ensure Lennar Mortgage complies with federal privacy regulations and removes my personal information from their records. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 2023-12-13
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. (FL)

In accordance with the Fair Credit Reporting act 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (TX)

These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! 
XXXX XXXXXXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX XXXX See attachments all arent consented
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (GA)

Sequium Asset Solutions is the scam company who calls at least 3-5 times a day requesting a debt to be paid. Well the debt to be paid is an account that I or anyone in my family has ever had. When I did speak to someone, they were very rude and used unprofessional language. They as for personal information and other types of account information to try and make you give money or pay for an unknown account that does not exist. SCAM! I have several friends who have said they are receiving calls from this same number, same company. SCAM.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (WA)

As per my records, I have not yet received the remaining balance from my closed account. I kindly request your assistance in investigating and resolving this matter promptly. 

Please provide me with information on the status of the transfer or any relevant details that can help me understand the delay. I appreciate your attention to this issue and look forward to a swift resolution. 

If there are any forms or procedures I need to follow to expedite the process, kindly advise. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I reviewed my XXXX credit report, XXXX, and XXXX I discovered multiple inaccuracies, including unrecognized collection accounts and incorrect personal information, such as misspelled names, phone numbers, and wrong addresses.. Suspecting identity theft, which I previously reported to the authorities in approxiemately around the year XXXX, when I had to file my taxes. There mortages that were take out on my name, deparment of education loans When I print out my credit report from the credit bureau the credit report aren't displaying accurate information. Collections are assigned to someone else name that isn't me. I have not received any documentation proving the legitimacy of these alleged debts, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide debt validation suggests that these debts are not valid, as supported by the doctrine of estoppel by silence in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. These inaccuracies have caused significant stress and have impacted my ability to secure credit. Despite disputing these items with XXXX, the issues remain unresolved. I am seeking the CFPBs assistance in having these fraudulent collection accounts removed from my credit report and in correcting the personal information errors to prevent further damage. I also request that XXXX and the collection agencies comply with all legal obligations to ensure that my rights are protected
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (TN)

I tried to withdraw {$19.00} from my withdrawable cash amount in Robinhood. Unfortunately, when I try to add a debit/credit card it gives me an error saying try again tomorrow. Unfortunately, this has been a problem for a year now and they won't let me withdraw the cash. So then I reached out to Robinhood support and they responded with saying " Unfortunately we don't know why this feature is happening on your account but we can't help. '' They then told me I could do a bank transfer. The problem with that is that dont do transfers with XXXX . So now I'm stuck with no option to get my XXXX out of my withdrawal amount. They won't give me any help or remove the lock on linking my debit with my account.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (IL)

I am a victim of human XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX XXXX, four Social Security number is XXXX, XXXX : XX/XX/XXXX Please delete the following accounts. Xactus LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I went to use my paypal account which I had over 16 years but PayPal freeze my account with no access to my balance of {$360.00}. I have submitted all the requested information including my bank statement & identification. This was fine before in XX/XX/XXXX. In light of the recent data breaches, Im very concerned with PayPal keeping requesting these information. It appears that PayPal is not properly maintaining records thus inconveniencing their customers. Today, XX/XX/XXXX, I spoke with an account a male named XXXX ID # XXXX who at XXXX said didnt see documents but then questioned me about my name. I requested a supervisor he said that one was not available, he would send an email requesting XXXX. I called back & spoke with a female named XXXX who refused to give her ID # but would request a supervisor. I wanted to file a complaint with Paypal but XXXX gave me this # XXXX but XXXX ignored my request.
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The information provided by the three major credit bureaus contains discrepancies that are misleading and damaging to my credit profile. Below are the details of the inconsistencies : High Credit : XXXX : {$32000.00} XXXX : {$32000.00} Equifax : {$0.00} Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Charge-Off Status : Reported as a charge-off by all three bureaus. 
Late Payment Status : XXXX : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 1 Time.

Equifax : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 21 Times. 
XXXX : No late payment status reported. 

These discrepancies violate my rights under federal law and must be corrected immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain the maximum possible accuracy of the information they report. The conflicting data on high credit, last active dates, and late payment status across the three credit bureaus clearly violates this provision. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information report accurate data, which has not been done in this case.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of late payments and charge-off status, especially with such significant discrepancies, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistencies may also violate 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect a debt.

Metro 2 Compliance Issues : The Metro 2 format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The discrepancies in high credit, last active dates, and payment statuses across the bureaus indicate non-compliance with Metro 2 guidelines, further warranting the removal of this account. 

Request for Immediate Action : In light of these violations and non-compliance issues, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

Ill call Chase when I realize that my account was overdraft and they told me someone from XXXX XXXX that made fake XXXX XXXX deposited XXXX cents to see if my account was active and then ended up taking over {$7000.00} out of my account which made it overdraft and negative they use my credit cards that was connected to the account my Chase account and then they closed out my account without fixing the issue
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax, XXXX, and XXXX is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This account has been removed already before and I wasn't notified by the company or anyone from that creditor that it will be back on my credit report and They SHOULD'VE NOTIFIED ME as it is a violation of the Fair Credit Reporting Act of 1681N!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (NC)

XXXXAVANT account # XXXX XXXX, Date opened : XX/XX/2023 XX/XX/2023, XX/XX/2023, Balance owed : {$510.00}, {$500.00}, {$500.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe that according to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Yesterday, on XX/XX/XXXX, I noticed a significant drop in my credit score and conducted an investigation to identify the reason behind it. Eventually, I discovered a derogatory mark on my credit report that was caused by a credit card ( HSBC Bank USA ) that I had not used in three years. Since it was past business hours, I called the bank the next day to inquire about the issue. A representative informed me that the bank had undergone a recent buyout, and I had an outstanding balance on the card. However, I clarified that I had not used the card in three years and disputed the fraudulent charges that were made in XXXX. The representative advised me to contact the dispute team the next day and updated my mailing address, which was outdated. 

The following day, I spoke to the dispute team and reported the fraudulent charges. The representative questioned me about disputing it to the credit bureau, stating that they had sent statements to the address. However, I explained that they had an outdated address and that I would have disputed it immediately if I had known about the balance. Eventually, the representative took the claim and informed me that it would take 60-90 days to review. 

Further investigation revealed that HSBC had sent an email on XX/XX/XXXX, before the fraudulent transactions, informing me that my credit card would be closed on XX/XX/XXXX due to a sale to another service provider. On XX/XX/XXXX, I received another email stating that the date had been pushed to XX/XX/XXXX, which was around the time of the fraudulent transactions. I was not notified of the charges or provided with any statements. 

In addition, I have an ongoing dispute with XXXX regarding the derogatory remark ( which is not on my XXXX and XXXX credit reports ). I have also filed fraud alerts with all three credit bureaus and submitted a complaint to the Federal Trade Commission.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, Experian, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.