davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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: Global Lending Services LLC (VA)

I have report this matter over and over again and I do not understand why both of these Company is just destroying my credit profile I fine this very stressful I have file XXXX XXXX in United State Bankruptcy Court In XXXX Virginia back in 2019 and it is a fresh Start for me XXXX XXXX is filed and they and they reporting 13 collection with a one defaulted Loan XXXX XXXX and Globel Lending Services Defaulted Loan reported to XXXX XXXX which they using false statement to destroy in anyway they can I have been dealing with the lies and it cost me to not to go on with my life I XXXX XXXX  report to XXXX balance paid off with 15 negative remarks and Globel Lending Balance Paid off so which is it I am asking for both company to be removed from all my credit Reports reporting this has to stop this behavior how can Consumer Financial Protection Bureau is not protecting me How do I file XXXX  XXXX and still be destroyed do you all know my base score is under XXXX and I have paid all my bills on time since I file in 2019 is this because I am a XXXX women doing right because I have report this a lot of time and nothing changes
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica (KY)

On Sunday XXXX XXXX XXXX I discovered a pending transaction in the amount of {$160.00} from my Direct Express Card which is managed by Comerica Bank I called to report the fraudulent transaction. 
Called and cancelled the card XX/XX/2023 and filed a dispute with Comericas dispute dept. I was told they would send physical questionnaire papers in the mail that needed to be sent back within 10 days. I called back a few days later and was told that I could submit an email instead of waiting on their paper questionaire, which I did with a photo of the explanation letter and screen shots with links to the perpetrators of the fraud. 
On XX/XX/2023 I received a letter saying it was resolved and the money was back on my card. However the card had been cancelled and I was issued a new card, so the money was never transferred to my new card account. They also closed the dispute saying no error occurred. 
On XX/XX/XXXX, I spoke with another dispute agent who said she would get it reopened and expedited and I should have the money on my new card within 3-5 daysit was not. Called back again and was told again it would be expedited and wait 3-5 days. I am still waiting. 
Comerica has only One number to contact them for anything, with hold times of up to and exceeding an hour. They do not offer call backs. This should be an easy fixthe merchant was not foreign, but is located in Utah. I have tried calling he dispute department back, but the call is dropped and I can not get through to them. Please help resolve this.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I wrote a check to our health insurance company for the month of XXXX in 2023 for the amount of {$1700.00} from my Chase checking account and put it in the mail. The money was taken from my account on XXXX XXXX, so I assumed it was the health insurance company. I then received a bill from them saying we owed for the month and I was confused. I then looked at the back of the check and saw a squiggly line in the endorsement, rather than the formally typed endorsement from the health insurance company. I immediately knew it had been stolen. I called Chase to report it and they told me I would receive the money back by the end of the day. This was on XX/XX/2023. I did not receive the money so I called again. This time they told I wouldn't get the money back. I was very upset so called a third time and this person told me I would have to fill out the Declaration of unauthorized endorsement or altered item form and send it to the health insurance company for them to sign their portion. I also filed a police report as well as a USPS claim. I did everything Chase has asked of me and still I have not received the money back. I have gone twice in person into the bank and talked with different managers. The bank should be protecting me rather than treating me like the criminal. My family needs that money back and I don't understand why Chase won't give it back.
Consumer complaint received 2024-01-22
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: AMERICAN EXPRESS COMPANY (UT)

I tried multiple times to use my AMEX gift card to purchase items on XXXX and XXXX. The card kept getting declined. I called the phone number on the back of the card and they informed me that the card is being declined because the merchants don't accept the gift card due to security reasons.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/2023 I noticed an unrecognized charge of {$210.00} from XXXX. I have never purchased from XXXX ever in my life I got in contact with XXXX and they told me it was aOn XX/XX/2023 I noticed an unrecognized charge of {$210.00} from XXXX. I have never purchased from XXXX ever in my life I got in contact with SeatGeek and they told me it was something that had to be handled by my bank Goldman Sachs Bank USA I reached out to a representative and told them about the purchase that was made and that I never authorized it. I provided them with all my information and everything else that was required from me. I also went in depth when explaining my situation explain to them that the account that was used to purchase the tickets were created minutes before that purchase was made, and not by me. I also explain to them that I believe my Apple account was compromised, which is where the Apple card That was used to purchase the goods was used from. While I was speaking to the representative, I also asked him to help with the breach on my Apple account since Goldman Sachs Apple Card is handled through XXXX on the XXXX after I submitted my claim even during the claim process, I was never asked to provide more information months later, my claim was denied and I was left with the bill of the purchase amount of the unauthorized claim.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood Financial has unexpectedly put my account under review without any explanation. Although I have provided them with all the necessary documentation they requested, they closed my account without any clear reason and simply referred to their terms and conditions. Despite multiple inquiries, Robinhood has not provided me with transparent information on how the remediation process works. Instead, they continue to send me generic messages assuming that I am trying to appeal the account closure, which is not the case. My only intention is to understand the remediation process and request the withdrawal of all my funds to my existing and linked bank account.
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: Experian Information Solutions Inc. (VA)

Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the XXXX data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the XXXX data breach, and I have taken steps to alert Experian about this situation. Unfortunately, my attempts to rectify the matter with Experian have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the XXXX data breach. Please follow up and facilitate the removal of these items from my credit reports with either Experian or XXXX, as they may be reporting accounts that were included in the XXXX credit report. 

I want to emphasize that my information was sold and bought illegally due to the XXXX data breach, as confirmed by XXXX themselves. I am attaching proof of XXXX 's acknowledgment of my victimization in this data breach. Despite this admission, XXXX has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the XXXX credit reports for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.
Consumer complaint received 2023-10-31
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
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. (VA)

Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the XXXX data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the XXXX data breach, and I have taken steps to alert XXXX about this situation. Unfortunately, my attempts to rectify the matter with XXXX have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the XXXX data breach. Please follow up and facilitate the removal of these items from my credit reports with either XXXX or TransUnion, as they may be reporting accounts that were included in the XXXX credit report. 

I want to emphasize that my information was sold and bought illegally due to the XXXX data breach, as confirmed by XXXX themselves. I am attaching proof of XXXX 's acknowledgment of my victimization in this data breach. Despite this admission, XXXX has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the XXXX credit reports for your reference : XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Control, LLC (FL)

I reached out to the company regarding the high interest rates and advised them i was unaware of the loan and if indeed it was mine i needed help with the payments ( because they insisted it was my debt ) they then sold it and charged it off. Please remove it from my report.
Consumer complaint received 2024-01-09
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-09
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: EQUIFAX, INC. (TX)

I notified the credit bureau ( equifax ) along with the XXXX companies ( XXXX XXXX XXXX dating XX/XX/XXXX, XXXX XXXX dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX dating XX/XX/XXXX ) that I am a victim of identity theft and that my credit profile has been compromised. I provided them with proof of FTC Identity theft report along with a notarized letter stating such, along with a copy of my driver license and social security card. They have yet to remove these Inquires from my credit report.
Consumer complaint received 2023-05-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (TX)

When I moved out of the complex there was never an amount owed. I never received a call, mail, or anything from the original debt collect nor the collection agency regarding this matter. The apartment complex never reported to my credit. The first time knowing about this debt was because I got a notification from XXXX XXXX  saying a collection had been placed on my account. I originally went to solve the matter with the apartment complex but they stated that they didnt have any paperwork to acknowledge the debt and that I should dispute it with the collection agency. The collection agency never reached out to me regarding this matter before attacking my credit report with false information. The collection agency is XXXX XXXX and when asked to send documentation nothing was never received to prove that this debt belonged to me and that I owed them or signed any paperwork with this company stating that I would pay them any funds. I also went through the credit bureau to dispute this matter to see if they would send them the paperwork to prove this matter nothing happened. I feel this account should be removed from my credit report it is making it hard for me to take care of my family and have a roof over our heads. XXXX XXXX there address is XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-09
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: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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)

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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

THIRD PARTY- XXXX XXXX XXXX XXXX EQUIFAX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : ACCT # XXXX I've uploaded documents showing evidence I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax XX/XX/2023 Confirmation # XXXX Equifax has not resolved my issues on my credit report. 

wrong address and various information. 

I also requested a full credit report from Equifax in which they did not send. 

I requested last year back in XXXX my XXXX free credit report with all the pages in which they did not send out to me. 

Equifax should be closed down for lies as they resolved my issues in which how did you resolve my issues with out sending a credit report nor fixing any information to the problems. 


send a complete credit report with all the pages to my credit file and stop playing games.