davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Hello CFPB, Short Story of what happened ; Early Sunday XX/XX/23 morning around XXXX I was walking in XXXXXXXX XXXX XXXX the XXXX XXXXXXXX XXXX XXXX when XXXX men robbed me. They walked me to an ATM where they made me withdraw money ( I have already contated XXXX and they have refunded the {$600.00} withdrawn ). Then they took my phone and started forcing me to login to all my banking/transfer platforms. They opened XXXX and sent XXXX transfers the first for {$60.00} then {$600.00} ( I have already contacted XXXX and they refunded the {$660.00} ). Lastly they made me log into my USAA App and XXXXXXXX XXXX  {$800.00} to someone. I contacted USAA around XXXX on Sun XX/XX/23 and notified them that I was disputing the {$660.00} on XXXX ( I hadn't received my money back yet ) and also the {$800.00} XXXX transaction . They opened a dispute but I knew that I needed to let them know in writing that I was requesting the refund in accordance with Regulation E 1005.6 Liability of consumer for unauthorized transfers. 

USAA reached back out by phone on XX/XX/23 and let me know that they have determined this to be an authorized transfer because they could see that Face ID was used to login to the app. I then wrote them another letter and uploaded it to them on XX/XX/23 explaining that According to Regulation E 1005.6 - If my Face was used to sign-in then my device was stolen, Regulation E 1005.6 states that my liability will not exceed the lesser of {$50.00} or the amount of unauthorized transfers. I called them today XX/XX/23 and they said they are not reviewing the XXXX letter that I sent on XX/XX/23 because the dispute was denied. 

I believe that USAA needs to return my {$800.00} in accordance with Regulation E 1005.6 Liability of consumer for unauthorized transfers. I have uploaded both my letters to USAA as well as their response and uploaded a screenshot of their document upload tool to show the dates that I uploaded the documents.
Consumer complaint received 2022-09-20
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: Open Dealer Exchange, LLC (IL)

On XX/XX/2022 I decided to look over my credit report using XXXX XXXX. However I noticed on XX/XX/2022 this inquiry by 700CRXXXX XXXX XXXX XXXX XXXX ) was on my XXXX XXXX report. I did not give them permission to run my credit. They did call me several times trying to get me to come into the show room, but I wasn't worried because I didn't give them my social security number. However they still managed to run my credit. I did not give them permission to do this and I never gave 700CR/XXXX XXXX XXXX XXXX XXXX XXXX my social security number, so whatever they did to get it ; that shouldnt be allowed. With that being said this inquiry should be removed from my report because I never gave 700CRXXXX XXXX XXXX XXXX XXXX ) my social security number to run my report. This is not acceptable.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity.

I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will file a complaint right away!
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (DC)

XX/XX/XXXX I purchase tires for my XXXXXXXX XXXX at XXXX XXXX at XXXX XXXX Maryland the manager said the tires would be there that afternoon I didn't get a call or the next day so I decided to go there that Saturday morning. The manager said my tires arrived. I needed those tires because I was going out of town for XXXX XXXX. I told him to credit my synchrony card and he said no I had to call the district manager which I did never got answer nothing but a recording. I called corporate several times and they wouldn't credit my card so I talked to synchrony and the same problem. So I told XXXX the manager to credit my synchrony card which he agreed and I used my XXXX  my synchrony card is still showing a balance of XXXX. I called synchrony and explain what I did and to fax the two receipts which they received and still no credit on my card. The reason for switching my credit card is because I found out that synchrony has numerous of fraud suits against them.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-27
Product: Credit card or prepaid 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: U.S. BANCORP (AL)

I reported unauthorized charges on a credit card with US Bank and the case number given to me was XXXX and the fraud claim was filed on XX/XX/2019 I was told that the investigation would be over around the the end of XXXX and my fraud investigator 's name is XXXX XXXX, who was very helpful in the process. 

But as of now, it is XX/XX/XXXX and the negative payment history is still showing up on my credit report. I have made several calls over the last few weeks with no response whatsoever. 

I would like these charges as well as the negative payments removed from my account and credit profile.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (FL)

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

AFNI has reported a collection account to my consumer credit file in the amount of {$430.00}. I do not owe this alleged debt. If AFNI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that AFNI is attempting to collect. AFNI has no legal right to attempt to collect a debt. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA and the FCDPA.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 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.

According to 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 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

1. Paid up account were not deleted on my credit report 2. Account with missing payment which was made new aggreement of payment not uptodate 3. Please delete and update them as soon as possible
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

I applied for the " Chase Payment Solutions '' which is an app that would allow my business to take credit card payments using Chase 's Bank network. 

I knew of them because this service is offered at www.chase.com so, as an existing Chase credit card client, I decided to apply for this service back in the Fall of 2023. I did it with the intention of receiving {$1000.00} introductory bonus. This bonus was earned after completing a minimum of 6 transactions within the first 90 days or {$2000.00} in received net payments. Well, I fulfilled both just to make sure I got the money. 

As you can expect, the terms say that it could take up to 6 weeks after meeting the requirements to receive the introductory bonus, and now it's been over 3 months and I am still waiting for it. 

I emailed them and the person who replied to my concern is XXXX XXXX. He is the Vice President, Business Development Manager | Payments | Chase | T : XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX, TX XXXX | XXXX I attached his information. We exchanged emails back and forth for about 2 months where he said he was going to look into it, and that it was going to take time. But after I asked him to provide the information of someone who can help me, given he's not resolved my issue, he stopped responding to my email. 

Keep in mind that within our communication, he acknowledge I fulfilled the requirements and he was going to investigate why I had not received my bonus. I have all these emails and I am willing and able to share these information with you. 

Lastly, I dialed his telephone number and I have been unable to even leave a message. And sadly, to my surprise, this is a known issue as many other Chase clients have had the same problem. 

I look forward to hearing from you. 

Thank you.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (SC)

Since XXXX of XXXX  Citibank closed my account for no reason and still refuses to tell me the reason. They held my remaining funds and I have still yet to receive them. Everytime I speak to someone over the phone they are clueless and tell me they will send request to see whats going on. It has been XXXX  MONTHS. One person told me I will need to go into a branch to fix this I drove XXXX XXXX to New York to go into a main branch guess what they told me? We cant do anything for closed accounts in person you need to call the customer service line. Another person said theres no money and that any checks I deposited havent been cashed. I spoke to the company that issued the check and put them on a XXXX way with Citi and they informed Citibank that the check has been cashed by them. Now they say we will mail you a check but its been half a year and they havent done a single thing. How do you know I dont need the money badly to pay my bills or credit cards?? Which I do. This is ridiculous and no one should have to go through all of this for THEIR money.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this letter on my own behalf. 
I've received a copy of my credit report and found the following items to be in error : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit 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. I understand that under 15 USC section 1681i ( a ) must complete the re-investigation within 30 days and provide me a copy of the original creditor 's documentation file, to verify this information is mine. Furthermore, FCRA section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) states that the original consumer contract must have my signature. If no proof otherwise, section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized inquiry has been placed on my credit report from XXXX XXXX on XX/XX/2023. I have not authorize such inquire and I am requesting it be removed from my credit report.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 2018-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Got a pre recorded message from Transworld Systems Inc on the XX/XX/XXXX. This is not the first time they have called. I called number back and was told i do not have a file with them. I have asked them numerous times to put me on their do not call list to no avail
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked as a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accuracy : XXXX, ACCOUNT NUMBER : XXXX.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Name : XXXX XXXX Equifax Account Name XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Name XXXX XXXXXXXX : Account Number XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have a 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 my 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.
Consumer complaint received 2023-09-08
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. (NJ)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
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. (MD)

This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (PA)

This is a XXXX ACCOUNT.. THEY LOCK MY ACCOUNT THST I USE FOR MEDICAL .. Money is taken from pay check. Communication XXXX., there over {$2000.00} in the account they lock up make it hard to pay for medical bills and XXXX  bills
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights. under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.