davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership According by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Accounts : 1.XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX  3.XXXX XXXX XXXXXXXX 4.XXXX XXXX 5.XXXX XXXXXXXX 6.XXXX XXXXXXXX 7.XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX 8.XXXX XXXX XXXX XXXX-Account:XXXX 9.XXXX XXXX XXXX XXXXAccount:XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX XXXX non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

Money was taken from my account amounting to XXXX on XX/XX/2023 When I noticed I filed a dispute with CHIME BANK ON XX/XX/2023 Which they denied my claim. They said to submit a police report I submitted one
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I opened a Business Advantage Checking account with a promotion for {$500.00}. The promotion stipulated that the account be opened by XX/XX/2022, be funded with {$20000.00} within 30 days, and {$20000.00} be maintained from day 31-90 after account opening. 

I opened the account XX/XX/2022 well before the deadline. I funded the account with {$20000.00} on XX/XX/2022, within the 30 day timeframe, and my balance was above {$20000.00} through XX/XX/2022 which would have been within the 31-90 day timeframe. 

I have tried to call in to resolve this issue and I was told that I would be contacted from customer service. I have not heard back with a resolution nor have I received the bonus as outlined in the terms. 

I have attached a screenshot of the terms of the offer from when I applied. 

I'm a long standing Bank of America customer with personal accounts, business accoutns as well as investment accounts with XXXX XXXX I would really appreciate Bank of America honoring this offer and paying the bonus as outlined in the offer.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery Associates LLC Violations of my rights as a furnisher. 
Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

First Acct # XXXX Date of last active XXXX has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. 

Second Acct # XXXX date of last active as XXXX has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Best Buy/Citibank wrongfully claims that I owe over {$8000.00} worth of fraudulent transactions which appeared on my account late last year, XX/XX/2023. I have been defending my innocence ever since then, but Best Buy/Citibank ( BB & Citi ) refuses to re-open my claim since I allegedly do not have any evidence to prove my innocence. 

However, the evidence that BB & Citi has sent to me, which is documentation from various merchants involved in the fraudulent transactions, explicitly name a " XXXX XXXX '' as the individual who made these purchases. " XXXX XXXX '' is NOT my name, nor is it an individual who I know or ever heard of. Furthermore, some of the transactions state that this person made the purchases from places like Florida and XXXX, and I most certainly do NOT live or have ever lived in any of these places. 

Before this arduous incident, my credit score was sitting at a XXXX, and now, because of BB & Citi 's incompetent investigation, it has sunk to about a XXXX. I did NOT make any of these fraudulent transactions that BB & Citi claims I am responsible for.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (GA)

I am writing to file a formal complaint against FEB/Destiny XXXX, XXXX the mishandling of my account, resulting in unjustified late fees, interest charges, and damage to my credit score.

The events in question took place in early XXXX. In XX/XX/XXXX, I made a payment of {$740.00} through the online portal of my FEB/Destiny account. The payment made wasn't reflected and as such the payment was made several times without being reflected on my account. I called the company for support with the error on the website to prevent these payments from being processed multiple times. Despite my attempts to rectify the situation, the company informed me that they would not cancel the transactions. Consequently, my account was automatically closed without any prior warning because of the payments being returned by my bank. Notably, the company failed to inform me properly of the closure. My online payment portal did not reflect the closure, leading me to continue making payments as usual. 

It wasn't until late XXXX or early XXXX that I discovered my account was closed when my card was declined. At which point, I made several large payments towards the closed balance, with the intention of clearing the debt. Despite these efforts, the company continued to report my payments as late to the credit bureaus and imposed additional late fees and interest charges. 

Below are the details of the payments made towards the closed account : XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$60.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$460.00} Despite not having access to the line of credit or its services, the company unjustly assessed late fees and interest charges, further compounding the financial burden. 

I attempted to address the issue by contacting the company to understand why my payments weren't reflected on my online portal. However, their response was inadequate and failed to resolve the matter. 

This situation has caused significant financial distress and has adversely affected my credit score, which has far-reaching consequences. I believe that FEB/Destiny has violated fair lending practices and has failed to adhere to proper consumer protection regulations. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the damages caused by FEB/Destiny 's actions. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-22
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Credit acceptance closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under Credit acceptance when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC (CA)

I purchased a vehicle from a dealership the dealership sold me a car without having the title to the car. The Lending provider, which is GLS Global Lending Service, threatened me with a buyback due to not receiving the title for the car. The legal dept recommended that I retain an attorney because if they didn't receive the title soon, they would take back possession of the vehicle and cancel the loan. I spoke with them and the dealership, along with DMV, to rectify this issue. I even had to take the car back to the dealership in the middle of XXXX due to the temp tags and registration being expired on the car. The Lender still threatened with buyback practices but continued to expect me to pay for the car loan even though I no longer had the car in my possession. I just received my car back today and got the necessary registration completed on the car. However, I don't feel that I should be charged for the months that I didn't have the car, and I feel that the lender should have ceased all payment requirements on this vehicle until I received it again and until they received the title. It is not my fault the dealership sold me a car without a title, and it isn't my fault that the bank didn't do their diligence before paying for this vehicle.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I have contacted Welfargo about a charge made on my account they decided to close the claim and thats not fair and I need to escalate the claim they dont want to i can loose all those money and the bank told me me the transaction was authorized by me over XXXX $
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

I reached out to US Bank to dispute four transactions on my bank account XXXX. There were two external transfer withdrawals on XX/XX/XXXX  for the amounts of {$2600.00} and {$2400.00} and another two external transfer withdrawals on XX/XX/XXXX  for the same amount. 

Four external transfer withdrawals totaling {$10000.00}. I did not request or authorize these transfers. 

I filed a claim over the phone with US Bank and my claim was denied because they determined that I requested them. 

That is an incorrect determination and I am requesting that the errors on my account be corrected. 

The four claim numbers that were denied are as follows... 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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: Nelnet, Inc. (SC)

Many student loans amount on my credit that I am not aware of. I called to try to clear it off. And did a dispute. The account numbers are not the same. And by law if it don't match it have to be removed. Not to mention the ssn it's wrong also.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

Hello, While performing my personal credit check a collection account appeared on my credit report. The account appears on all three bureau reports however there seems to be conflicting information about the collection agency. 

While the account appears active on both the XXXX and XXXX reports, the account is reporting as closed on the XXXX report. 

The address is listed on the reports is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on both my XXXX and XXXX reports but the address for the XXXX report is listed as XXXX XXXX XXXX XXXX XXXX, MN XXXX. This address appears on the following webpage ( https : //www.myjcap.com/ ) when I performed a google search. 

It is also notable that the name appears differently on the XXXX report. Both the XXXX and XXXX reports indicate the name is JEFFERSON CAPITAL SYSTEM. 
The XXXX report list the name as JEFFERSON CAPITAL SYSTEMS with an " s '' at the end. 

As these inconsistencies are grounds for removal from my personal credit reports I am writing to state that I am/was unaware of this debt. I did not receive the opportunity to dispute this information. If in fact I was provided proper notification, please provide me a copy of the certified receipt with my acceptance signature displayed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-21
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. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2017-03-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DE)

On XX/XX/2017, my mother died.She had a saving account with PNC bank, in XXXX, Delaware, in her name only.Instead of setting up an estate account.PNC bank gave my sister a cahiers check and closed the account, even though the Register 's Oder list XXXX co-adminstrators, PNC allow one co-administrator to handle the transaction on the estate of my mother.I need copy of the cashier 's check.My sister made severval unauthorized transactions on my mother 's saving account after her death at XXXX in XXXX, Delaware.PNC should follow Federal and State banking laws.
Consumer complaint received 2022-11-27
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. (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. 

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 has violated my rights and i want them removed IMMEDIATELY 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 XXXX 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 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXXXXXX, 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 1681.c ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer reporting containing any of the following items of information. Any other adverse item of information, others than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (FL)

To Whom it may concern ; My name is XXXX XXXX XXXX here to file a complaint against XXXX XXXX ( XXXX XXXX ) for lack of help on behalf of a veteran, which whom reached out to these entities who held my mortgage. On XX/XX/XXXX of XXXX  I purchased a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for my family and I. The purchase was made from a XXXX XXXX XXXX XXXX XXXX. The XXXX showed an absolutely beautiful home. So we sold our home in XXXX packed our things got on the road and moved to XXXX. Once we got here much to our surprise when we open the door it was nothing like we thought the house was a total disaster holes in the walls. Bodily fluids on the walls water seeping through the floor throughout the whole bottom floor. Trash was left in the house. Things were broken. We couldnt stay in these conditions. I had to max out my credit cards for a hotel for us to stay in while trying to clean up as much as we could in the house to make it livable. We couldnt afford the mortgage we ask the mortgage company for help multiple times and they said no. We asked the realtor for help they left us high and dry. It messed up my credit so badly that I had to file for a XXXX XXXX XXXX. And thats where Im at today can you please help my family and I with this issue please and thank you so very much.
Consumer complaint received 2020-12-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.