davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (CA)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for and opened a new Spark Business Rewards Credit Card in the beginning of XX/XX/2019. Before I received it my wife received an offer for the SAME card with better promotional terms/bonuses AND and lower annual fee. Upon calling the company they informed me that nothing could be done without closing the account, reapplying for the new card with a new credit check and new inquiries on the credit report ( which was done one week prior ).

I understand the promotional terms change on cards from time to time and that is perfectly acceptable. But these more beneficial promotional terms are being unfairly sent to specific people. New promotions are not being offered to all of the public equally. Understandably, certain promotions are based on credit worthiness, but everyone should equally be given the chance to apply for a card with same promotional terms available.. The application process should be used to determine if one 's credit worthiness is sufficient to receive the particular card. Still, as of today ( XX/XX/19 ), these promotions are NOT being offered on the capital one website to the general public, but are being solicited to specific individuals ( regardless if they own a business or not ). I applied for my card on the website without any solicitation and was not offered these terms and I am still not being offered these terms. I understand the purpose of solicitations, however unequal treatment of who these terms are being offered too and not making them available to anyone applying for the card is unacceptable, not to mention discriminatory.
Consumer complaint received 2019-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Systems,Inc. (GA)

COMPANY DEBT CREDIT SYSTEMS RESPOND WITH FAKE APARTMENT LEASE AND PRIVATE CONSUMER INFORMATION DEBT CREDIT SYSTEMS LLC PURCHASED A LEASED ONLINE AND APPLIED ALL CONSUMER INFORMATION AND ADDED OUTSTANDING BALANCE. ALL FALSE INFORMATION REPORTED BACK TO CFPB UNDER THEIR WATCH.
Consumer complaint received 2024-03-13
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2023-03-10
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. (FL)

I checked my credit report and found that some of the data wereincorrect. 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

There are a lot of missing information to sustain this claim. Also the remarks are all OK and it does not show a single CO from any of the reporting bureaus. Delete this incorrect report.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc. (CA)

XX/XX/2019 - Money Lion Loan company reported falsely on my credit report that my account was delinquent. I have made numerous call and provided Money Lion with the correct account information and I know they have it as I have numerous banking transactions coming out of my account from them to pay back the XXXX credit builder loan my current balance is XXXX however I believe it may be less as the are constantly taking money from my account but I do not know what has been applied to the loan or what has gone towards membership fees. I have asked numerous times to pay the loan off but they just will not do it. I also have an investment account in which they are holding XXXX in which I have no access to whatsoever. I have called and spoke to numerous reps and Im very scared that my credit identity has been compromised. Please help as I have read numerous complaints about this company and their credit builder loans
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, my XXXX was stolen in XXXX, XXXX around XXXX PTC . The thieves were able to get my passcode to my phone. This granted them access to my Chase account as they were able to login using the phone passcode they had stolen ( bypassing the need to put in my chase username and password ). 
Upon noticing my phone was stolen, I immediately called Chase bank to shut down access to my account to prevent any money being stolen. This was at XXXX PT. 
The thieves were able to gain access to my account at XXXX themselves XXXX dollars at XXXX and XXXX dollars at XXXX ( but this payment did not process until XXXX PT ). Chase shut down mobile access to my account at approx. XXXX PT. On this recorded phone call, I asked whether any transactions had been made. They responded that a XXXX XXXX transaction had occurred. I immediately filed a fraud claim on this. Chase did not mention the XXXX dollar XXXX transaction. 
After calling various banks and then the police dept of XXXX, I then went to the police dept and filed an official police report. In the police report, they stated that my phone had been stolen and that XXXX dollars had been stolen from my chase account. The police even tried to search for the phone and find the people responsible but were unable to. At the time of filing the police report, I was unaware of the XXXX dollars transaction as I had no access to my own account and chase did not mention it. 
After returning from XXXX, I went to a Chase location in XXXX XXXX to fax the police report to claims department at Chase. At the Chase location, I was informed that there was a transaction for XXXX dollars that was processed at XXXX on XX/XX/XXXX ( hours after my account was supposed to have been closed ). I immediately filed a second fraud claim on this transaction as well as submitted the police report. 
A week later, I received mobile letters from Chase that they were denying both fraud claims. I called the claims department and they claimed that they did not find sufficient evidence of fraud. However, there is an abundance of evidence. Especially for the XXXX dollar claim, which I am unclear as to how it was even allowed to process when I had already called hours earlier to stop any transactions happening on that account. 

As for the abundance of evidence I have the following : - The police report stating in detail what occurred - The fact it was in a foreign country- XXXX payments that far exceeded amounts that I normally send - XXXX payments to foreign people whom I never had sent money to before - Phone call records showing that I called 15min after the first transaction ( with recording showing I didnt even know the transaction had taken place ) - The account supposedly being locked when the second transaction was allowed to process - Suspicious activity from my other financial institutions ( that luckily were not allowed to process )
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

XXXX you closed the report which is extensive and opened multiple times. You evidently did not read it and it still is unresolved after considerable time. The companies response can not be opened and I am still without credit. What can one think? Opinion -By ones works ( in this case none ) they are known. I merely post knowing you are a fraud agency. None of the complaints NOT ONE ever resolved. One must ask how ineffective can an entity or people be? Evidently there is no answer for that question because you demonstrate that time after time.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-14
Product: Checking or savings account — Savings account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I see multiple CO remarks from XXXX and XXXX and there is no XXXX payment history. I'm pretty sure this is inaccurate reporting and a violation.
Consumer complaint received 2022-10-11
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. (OH)

15 u.s. sc 1681 602 A, states I have the right to privacy.

15 u.s. sc 1681 604 A, states a consumer reporting agency can not furnish a consumer report without written instructions from consumer. 

In accordance with the fair credit reporting act the accounts on my credit report have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-11
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 u Der 15 USC 1681. 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (GA)

Dear Mrs., Mr. : I am unable to withdraw funds from my Gemini account. I have created an account online on XX/XX/XXXX on the Gemini Trust Company , LLC. The website address is https : //www.gemini.com/. Gemini is a Cryptocurrencies trading platform. The total amount of US Dollars/cashXXXX I have on the Gemini platform is {$1600.00}. I have reached out to Gemini customer support at XXXX on the following dates/times : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I have reached out to the Gemini Trust Company 's support team using the following email addresses : XXXX and XXXX. The support team members I corresponded with were XXXX, XXXX, XXXX, XXXX, and XXXX. I have provided Gemini with a copy of my bankstatements to verify my account in multiple instances. Gemini claims that I can only withdraw funds via wire, which is extremely costly to me at the moment. 

Gemini has declined to withdraw funds using the debit card account that I have provided on the Gemini platform, which was successfully verified by Gemini They have refused to allow any other forms of identification verify to assert my ownership of the account. Please note that I now have limited use of my email account XXXX and I am locked out of my Gemini account. 

ALL THE COMMUNICATIONS I HAD WITH GEMINI HAPPENED BEFORE I WAS LOCKED OUT OF MY GEMINI ACCOUNT FOR REQUESTING MY MONEY AND LOST FULL USE OF MY XXXX ACCOUNT DUE TO A SEPERATE MATTER I REPORTED WITH THE SEC CONCERNING XXXX XXXX VIOLATIONS OF SEC REGULATIONS AND PCAOB STANDARDS. I AM UNABLE TO ACCESS MY ACCOUNT AT GEMINI AND GEMINI REFUSES TO PROVIDE ANY OTHER WAY TO IDENTIFY ME AND DISBURSE MY FUNDS IN THE AMOUNT OF {$1600.00}. 



Gemini has refused to provide an alternative solution to withdraw my money from their platform. I have filed a lawsuit in the states of Georgia and New York as well as with the Security Exchange Commission ( SEC ). Gemini 's website ( XXXX XXXX XXXX XXXX XXXX ) claims that the money I have in US Dollars is insured by the FDIC as long as the US Dollars are inside the United States. Below is an excerpt of their website. " U.S. dollar deposits in your XXXX Account held in one or more XXXX  Accounts at one or more Banks located in the United States are held with the intention that they be eligible for Federal Deposit Insurance Corporation ( FDIC ) pass-through deposit insurance, subject to the Standard Maximum Deposit Insurance Amount per FDIC regulations ( currently {$250000.00} per eligible Gemini Customer ) and other applicable limitations. Our policy is to comply, in good faith, with the regulations and other requirements of the FDIC for pass-through deposit insurance, including those contained in 12 C.F.R. 330. '' Sincerely, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Lean XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (OH)

I have tried to work with diversified when it comes to this debt from sprint. I have made multiple attempts to settle this debt. This debt collector does not want to work with me and threaten me that my credit score will go down to zero as they will continue to affect my credit score monthly until my credit score is zero. I have tried to work out the monetary means with this company payment options etc. this company doesnt care about the consumers and are going to drive me into chapter XXXX. I have tried numerous times in good faith to negotiate a settlement and they have no desire to engage me realistically with a settlement I can afford. I also feel that the service that was sold to me should not have been sold in this area as it did not work. I understand I owe for the device but to say we are going to zero out your credit score is absurd and I feel they they will not negotiate in good faith. I am feeling very frustrated as they wont take any settlement offer I have made,
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. *
Consumer complaint received 2024-04-05
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: Regional Management Corporation (TX)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding Regional Finance, account number XXXX and XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to Regional Finance. 

Upon information and belief, Regional Finance received notification of my credit bureau dispute. 

Regional Finance did not conduct an investigation, contact myself, contact third parties, or review underlying Account information with respect to the disputed information and the accuracy of the Regional Finance Account. 

Upon information and belief, Regional Finance failed to instruct the credit bureaus to remove the false information regarding the Regional Finance Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the Regional Finance Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did Regional Finance and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by Regional Finance rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the Regional Finance Accounts to third parties.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I've checked my consumer report and I see inaccurate personal information reporting to my credit report. This information is wrong, and I never went by none of these names ( XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, the correct name that is supposed to be reporting is ( XXXX XXXX XXXX XXXX the job XXXX  XXXX is inaccurate. I have never worked for that employer. Additionally, the following address that is reporting are inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. According to the FCRA everything has to be reported accurate on my consumer report. I have attached a copy of my personal information for it to be updated.
Consumer complaint received 2022-10-17
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. (AL)

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 XXXXXXXX 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.