davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westlake Services, LLC (NC)

I receive calls as early as XXXX XXXX  and as late as XXXX XXXX  at night time from Westlake financial from the auto loan debt owed to them. It is so bad that I have to keep my phone on do not disturb to be able to sleep without being disturbed.
Consumer complaint received 2023-09-01
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. (TN)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-26
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)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-12-26
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. (NC)

I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what XXXX XXXX XXXX is nor have I ever had an account with this company
Consumer complaint received 2024-05-16
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: JPMORGAN CHASE & CO. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-26
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-26
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. (MD)

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX DE XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX DE XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXXXXXX XXXXY XXXX XXXX XXXX DE XXXX The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED Date : XX/XX/XXXXXXXX XXXX XXXX  I Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, 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. 





Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (FL)

PNC Bank and transfer agents have failed to extend credit to consumer by way of credit application. It is responded Of a concern addressed about an " unidentified security ''. However, the consumer has expressly shown and given details in regards to the credit application ( the security ) And The securities fraud that is taking place. 

I do not wish to be discriminated against by age. I am the majority of sound and able to handle my XXXX and to professionally transact for my XXXX. It is confirmed by XXXX XXXX in the previous response to the CFPB that I claimed rights to credit. Also in the response It states I was Simply not satisfied with the results when this is not the fact of the matter. You can not discriminate against my age ( I am the age of majority ). An application is defined as an extension of credit. I have given PNC Bank principal information relating to my trust and estates account ( XXXX ). I only requested PNC Bank to reconsider the terms in regards of their decision on a consumer extending credit to themselves, I have asked that since it was denied to have my application retracted. To deny my rights to my securities and credit is securities fraud. This is not negotiable. This is not a Personalized response this is In Law. I have done my diligence and contacting regulatory agents within the Security and exchange commission and submitted complaints in regards to this matter. It's not about meeting my expectations. It's about Being in compliance What state and local laws in regards to the consumer, credit privacy act, the equal credit opportunity act, the security and exchange commission provisions in regards to securities and the ceasing of discriminatory and misleading practices..
Consumer complaint received 2023-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I got behind with payments on a loan with Tower Loan back in XX/XX/XXXX. In XXXX the company hired a law firm which petitioned the court to grant a judgement against me for the amount due on the loan and attorney fees for the firm who petitioned the court on their behalf. I reached out to the company when I received the court summons on XX/XX/XXXX. I was told to contact their lawyer. A week later a worker called me and asked me to pay what I can on the account. I was told they were not going to sue me. On XXXX XXXX I made a payment of XXXX. On my receipt given {$2500.00} is listed in the balance area. On XXXX XXXX I made another payment of {$500.00}. I was given a receipt, but no balance was given on the receipt. I explained that on the previous month when I made a payment that the person gave me a receipt and a balance was noted. The worker said they don't do that if their lawyer is handling the account. I told her that the person who took my payment previously was the other worker who was in the office currently with her. She said that was the branch manager. She said they aren't supposed to put a balance on my receipt. I keep getting told to contact their attorney. If the petitioned never went before a judge and they chose to let pay what I can why am I not getting a current balance on the actual loan. The interest on the loan is extremely high at 35.56 %. I have actually paid the amount borrowed and more than that. This company is operating under fraudulent terms. How is a company receiving money for payments on a loan but doesn't provide a balance? This company is also constantly calling after I've repeatedly told them that I can't receive calls while at work. The company calls from numerous numbers. The workers are very rude. I was given a check of {$420.00} in XXXX. I didn't fall behind on payments until about XX/XX/XXXX. How is it the law firm is petitioning for over {$3000.00}?
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at JPMCB on XX/XX/XXXX, XXXXunder the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. (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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/23 Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Inquiry Deletion Request Pursuant to 15 USC 1681, Section 602 ( a ), 15 USC 1681n ( b ), and 15 USC 6802 ( a ) ( b ) ( 1 ) Dear Cfpb I am writing to request the immediate removal of unauthorized inquiries from my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, Section 602 ( a ), 15 USC 1681n ( b ), and 15 USC 6802 ( a ) ( b ) ( 1 ). I am aware that, in accordance with these provisions, I am entitled to receive {$1000.00} in damages for each unauthorized inquiry made on my consumer report. 

Upon reviewing my consumer report, I have identified the following unauthorized inquiries that have been made without my consent : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX. Experian- XXXX These inquiries were conducted without my authorization and do not meet the permissible purpose requirements established by the FCRA XXXX As such, they are in violation of my rights as a consumer. I demand that you remove these unauthorized inquiries from my consumer report immediately. 

Furthermore, I request a thorough investigation into the matter to determine how these unauthorized inquiries were made and why they were allowed to appear on my consumer report. It is imperative that you take appropriate measures to prevent such violations from occurring in the future. 

I am fully aware of my rights under the FCRA and the remedies available to me as a consumer. Pursuant to 15 USC 1681n ( b ) and 15 USC 6802 ( a ) ( b ) ( 1 ), I am entitled to {$1000.00} in damages for each unauthorized inquiry made on my consumer report. I expect prompt compensation for the violations committed. 

Please provide written confirmation once the unauthorized inquiries have been removed from my consumer report. Additionally, I request that you inform me of any further actions taken in relation to this matter. 

I trust that you will handle this request with the urgency and attention it deserves. Failure to comply with the FCRA and address these violations may result in legal action to enforce my rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/24 there was multiple transactions made that I did not authorize. Those transactions were a total of {$510.00}. I had called the claims and they had given me credit but sent me a letter saying they denied my credit and will take it away on XX/XX/24. They said the reason was the payment was made on XXXX XXXX. But I never made those payments, never authorized them, and never showed up on my transactions on my wallet app!!! Even the location of the transactions were no where near me, they took place in XXXX!!! I have lost {$510.00} and Chase bank is doing nothing to get my money back. This is not right!
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I believe i was victim of " EFT theft '' of my CitiBank checking acct and/or CitiBank ATM ( ... EFT theft due to " card shimmer/card skimming '' device/s attached to CB ATM ... IMO! )!!

I was " unaware '' that my my SSA benefits check for {$910.00} that arrives on the XXXX of most months was DDed to my checking account ... and after that my CB checking account had " {$1000.00} '' dollars withdrawn on the same day : XX/XX/year> but no timeline!! 

I have CB chat screen captures, other docs to support my claims and was given a Case Number ID from Citibank fraud division...

I am seeking financial relief via Regulation E laws ( short of Citibank giving me a provisional credit ; problem with that is my checking is now blocked so no refunds nor provisional credits will be added to my CB Checking acct!!! ) due to this EFT e Theft!!

Please advise how i may be compensated for this EFT theft of {$1000.00} dollars via Consumer Financial Protection Bureau ( CFPB ) online services??

XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2023 Transunion, XXXX, XXXX Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction. 

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. Sincerely, XXXX XXXX
Consumer complaint received 2023-12-26
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)

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 name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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.
Consumer complaint received 2024-05-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased two Vanilla ( branded ) Visa Gift Cards from XXXX on XX/XX/year> at XXXX as XXXX XXXX XXXX XXXX. I added {$200.00} to one card, and {$300.00} to the other card. The CVS is located at XXXX XXXX XXXX, XXXX, California XXXX. I learned today from the gift recipient, that on XX/XX/year>, the card with the {$200.00} value had an unauthorized charge for {$37.00} at " XXXX # XXXX '' at XXXX. After learning this, I checked the value of the gift card for {$300.00}, which the recipient has not used themself. The card with the {$300.00} value, had two unauthorized charges on XX/XX/year> for " XXXX XXXX XXXX XXXX XXXX # XXXX '' ; XXXX at XXXX for {$49.00}, and a second at XXXX for {$240.00}. 

The gift recipient of the {$200.00} card submitted a fraud dispute to Vanilla Gift Cards, and I have now submitted a fraud dispute to Vanilla for the second gift card. Neither of the cards showed any sign of tampering when I picked them off the display at XXXX, but someone has clearly had access to the card information prior to my purchase, and quickly fraudulently stole the value from both cards.