davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened with XXXX XXXX  in XX/XX/XXXX under the account number XXXX, a credit card account opened with XXXX  XXXX XXXX in XX/XX/XXXX with account number XXXX, a credit card account with XXXX XXXX in XXXX XXXX with account number XXXX. An account with XXXX in XXXX XXXX with account number XXXX credit card account with XXXX XXXX  XXXX XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer 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 # ( XXXX ) as proof from the US 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 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (TX)

I filed a dispute with XXXX over an item I received that wasn't working. Company agreed to give refund. I ask XXXX if I can refund the entire purchase amount since the only way I could get the computer to help with a non-working item was to file a dispute. XXXX agreed that it would be a legitimate claim. I asked the retailed for a prepaid return label. They sent me one. I mailed all the items from order back to company and sent XXXX the tracking information. After the retailer got the return package, XXXX denied claim. If I were a betting person, I would bet that XXXX is siding with XXXX government on this one and since I already paid off purchase, I have lost the cost of the goods and have no goods and it is a result of the company not sending a working printer in the first place.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

Tried to login to my Amazon  credit card account and didnt realize I was trying to login into a fake synchrony website that is completely identical to the Amazon one. I realized it was fake because it said I didnt have an account with them. Went back to the search page and they were side by side identical. Entered all my information to try to retrieve my account because I had forgotten my login and password. Even asked for my last 4 digits of my social
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Keeping up with timely payments has always been a priority for me on this account, ensuring that no payments are overdue. Nevertheless, I find it perplexing to discover reports of late payment remarks associated with my accounts. As stipulated in 15 USC 1666b - Billing Error, necessary corrections should be enacted.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have received numerous calls and letters from Portfolio Recovery Associates. This is even after I demanded a cease and desist. I also found out by my credit report that they obtained a copy of my report via an inquiry on XX/XX/2022. I did not authorize this inquiry.
Consumer complaint received 2021-03-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Experian has failed to investigate various fraudulent accounts. Experian has not made me aware of the status or completion of the dispute initiated. This has happened over the past 2 months with more then one request to investigate the following inaccurate, and/or fraudulent accounts.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (FL)

My account was frozen back in XXXX of XXXX. They froze my account with {$1600.00} and have refused since then to release my funds. I have over 70 tickets with venmo regarding this matter of which maybe only half have been answered. I have filed with the XXXX in which Paypal, who owns Venmo, responded and said my funds would not be released due to strict violations of their policies. I then emailed PayPal and got an email after 3 years of asking why and they stated I had committed fraud and suspicious activity on their app. I have read Venmos policies and it states funds can be held up to 180 days. Venmo has flat out told me I will not get my funds back and that they can hold my funds for however they want to. They cause damages and defamation of character accusing someone of something without explanation as to why, which they also states they do not have to do. Venmo bends their contract to the current situation which in turn means it really isnt a contract if it can change under sole discretion. Many, many people have had their accounts frozen and had their funds held for things as simple as sending birthday money and Venmo does not have to offer a reason why and then gets away with just keeping the money. 

**Sent complaint into Venmo on XX/XX/XXXX and the complaint was sent back on XX/XX/XXXX saying they are not the ones responsible for this complaint. **
Consumer complaint received 2024-05-28
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. (GA)

I've looked at my credit report again on XX/XX/year> and i still see some things that was incomplete and inaccurate. And according to the fair credit reporting act whenever a credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. These accounts XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX INT Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX are not complete or accurate. 

Also according to 15 usc 1681s-2 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 that the information is inaccurate.

By the way the companies listed and transunion credit bureau is in violation of the following : Violation of 15 U.S.C. 6802 ( b ) Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ( b ) ), financial institutions, including consumer reporting agencies, are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without providing the consumer with a clear and conspicuous notice that accurately reflects the institution 's privacy policies and practices.

Additionally, the consumer must be given a reasonable opportunity to opt-out of such disclosures before they occur. I have not received any such notice or opportunity to opt-out regarding the aforementioned accounts.

Violation of 18 U.S.C. 1028 ( c ) The unauthorized disclosure and potential misuse of my personal information may constitute a violation under 18 U.S.C. 1028 ( c ), which addresses fraud and related activity in connection with identification documents, authentication features, and information. Unauthorized disclosure of my personal information without proper notice and consent is a serious matter.

Violation of 15 U.S.C. 1601 Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1601 ), consumers are entitled to be informed about the terms and conditions under which their personal information will be shared.

This Act emphasizes the need for transparency and fairness in consumer credit reporting.

Last but not least by way of the Right to Deletion under Section 1798.105 ( CCPA/CPRA and VCDPA ) Under Section 1798.105 of the California Consumer Privacy Act ( CCPA ) and the California Privacy Rights Act ( CPRA ), as well as similar provisions in the Virginia Consumer Data Protection Act ( VCDPA ), I have the right to request the deletion of my personal information held by your company.

This right to deletion includes the removal of all records related to the aforementioned accounts from your databases and from the databases of any third parties with whom you have shared my information. in which transunion have IGNORED all of my requests for deletion.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 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 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have several CapOne cards, some of which for many years, all of which I maintain in good standing. Most are {$0.00} balance, and some are used infrequently. I did miss a payment on card ending in XXXX, but when I recognized that a day or few later, I promptly paid off the entire purchase balance due from the prior statement ( i..e, more than minimum payment required ). 

I called today for a refund of the {$25.00} late fee, which CapOne policy provides for if there has not been a fee refund in a certain time period, typically one year. The supervisor I spoke with told me there has not been a late fee on this account for a long time, so she was perplexed as to why " the system '' would not allow the refund. 
This is yet another of many recent examples of CapOne removing the capability of customer service representatives to do the right thing for their customers.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I opened a loan with XXXX in XXXX of XXXX. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was granted a deferment for those 3 months. Everything was fine, but recently late payments have been showing for those months on my XXXX Credit Report, I contacted XXXX  Personal Loans and they resolved the issue before. Now, it has come back up, so I contacted XXXX  Personal Loans and they informed me that they have sent serval updates to fix these errors, but XXXX has yet to make the corrections on their end. So, I filed a dispute with XXXX and they launched an " investigation '' but the results came back as XXXX as XXXX. XXXX informed me that they did not verify the errors as correct. 
XXXX is sending updated credit reports to XXXX that reflect no late payments but, XXXX is not using the updated report information from XXXX. Instead, XXXX is not updating my report with the correct information they have received from XXXX. 
Also, since the most recent dispute, the incorrect information is now being reported to my Transunion report when it was not before. 

This has been an ongoing issue since XXXX of XXXX, it's has been interfering with my ability to purchase a home and obtain other financing ; I have had to put off the purchase for several months now ; negatively impacting my quality of life. Again, it should be noted that this issue has been ongoing for 5 months, with no resolution. 

If the matter is not resolved immediately, my only other option would be to take legal action.
Consumer complaint received 2024-07-20
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

My son attended XXXX XXXX XXXX XXXX for several years as a XXXX XXXX. He had several services rendered under my insurance ( MEDICAID ), they referred him twice for XXXX  and we were told it wouldn't be covered by the insurance that I have. After the second consultation which was because the prior one expired due to length in time since my decline, his father and the company setup payment arrangements. 

I believe the insurance used was XXXX or whatever system he signed up for, I do not know the details since I declined and did not have any part in the service agreement. I spoke with the both managers at the practice over the last two years on both sides regarding the issue. I advised them of the concern and was told that due to account setup they couldn't list both parties. In speaking with the manager of XXXX XXXX it was verified that medicaid was listed for his office XXXX exams and visits. In speaking with XXXX manager I continuously was given the run around and redirected to billing and asked for court documents which were provided several times. The facility sent the debt to collection in my name and still to this day I have yet to see a service agreement with terms, conditions or my signature. I spoke to the debt collector yesterday whom was not advised nor aware of the matter and stated that they would need to pull back the debt or we would need to go through court.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (NY)

I have identified items on my consumer report that is a result of identity theft. The information reporting is not accurate and is an improper use of my information. Please delete and block all negative information reporting. These inquiries and/or late payments aren't accurate, was not a transaction authorized by me. These are the following : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX The CRA have old addresses on my file that leaves me vulnerable to more possible identity theft. My current mailing address XXXX XXXX XXXX XXXX New York.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (GA)

I have been diagnosed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, a significant medical event occurred. Adhering to my XXXX  instructions, I stopped taking the medication XXXX, resulting in a XXXX  XXXX XXXX. Since then, I have been experiencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX - such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In response, I have been admitted to a XXXX XXXX XXXX XXXX since XX/XX/XXXX. So far, the cost of the medical treatment is currently at {$5600.00} with {$7000.00} pending insurance. 

The treatment costs has increased my expenses which caused me to create a personal financial statement of our monthly household income and our monthly household expenses/debt. Currently, our monthly household expenses/debt {$8800.00} is greater than our monthly household income {$8600.00}. Hence, my husband and I are in insolvency, and we have been notifying all of our creditors of our financial hardship while requesting for financial assistance. 

All of our creditors ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ) but Affirm  have graciously offered us financial assistance. With these esteemed creditors, we have been paying a lower monthly minimum payment at a reduced APR, even with a grace period ranging from one to two months for an extended due date of our first payment on their payment assistance program.

However, Affirm did not offer any financial assistance, and I am in disbelief and disappointed in the business practice of Affirm for their lack of financial hardship policy for customers struggling through events of either that their income has decreased, their expenses have increased, or both. 

Therefore, we come your agency CFPB to help advocate for us in our need for financial assistance from Affirm to retain our home and maintain our households cost of living.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (IL)

On XXXX I deposited a cashier check from my XXXX account into my TD  account. I was not made aware of a hold being placed at the time of deposit as it was a certified check governed under reg cc. 

On XXXX I logged into my online banking and noticed that the check was put on an extended 6  day hold. 

I called into customer service and they said that this was a regular check and they had the right to hold the check for 6 business days. When I informed them that this was a certified check from XXXX and per reg cc on the XXXX XXXX  website item # 7 clearly states they can not legally hold a cashier check for more than 2 business days. Some verbiage around cashiers checks stated that under XXXX  must be made available on the next business day. The rep put me on hold came back said the supervisor put a request in to release but it may or may not happen and the hold would have to stay on for 6 business days. 

I again referenced the XXXX website and provided the specific article number the rep told me I was wrong and that is not TDs policy. I asked to speak to a a supervisor who said the same thing and that TD policy supersedes that. When I stated ive worked as a branch manager for over a decade for a bank and that every bank teaches there associates about the basic rules and regs primarily XXXX XXXX the supervisor XXXX indicated that she was not going to get into legal stuff with me.