davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (MI)

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 Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NY)

I submitted a claim back in XXXX of this year on a order from XXXX I never received. Right away I contacted the merchant in which I was promised a refund since the restaurant was closed. I received a confirmation email from XXXX. Fast forward to XXXX my claim was denied with no explanation as to when I had tangible evidence between email, phone calls, and waiting for the funds to reverse back into my account, I made a complaint with the XXXX XXXX XXXX  and someone contacted ( XXXX XXXX XXXX ) via email. For the past month I have sent numerous emails and calls trying to get in contact. Still no answer.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was issued a Goverment Bank of America debit card on XX/XX/2020. On XX/XX/2020, I started to call the bank 's customer service several times to make sure that card was on it's way and was assured that it was on its way and probably delayed. I never received it. After speaking to customers service on XX/XX/2020. I was told that the card was being used and there was only {$9.00} on the card. She immediately put hold on the card and issued me a new one. I was transferred to claims and was on hold for hours until the phone just hung up. It took a week for me to finally get through to claims. When I spoke to claims they put in a fraud claim and I received a letter that the bank stating it was fraud and will debit the money back into my account for the sum of {$19000.00} that was stolen. I continued to follow up with bank and was told by claims several times that the money is being processed and it takes some time and to keep checking. I was checking and calling getting the same answer saying my money will be deposited. Then I received a letter date XX/XX/2020 from bank that there is no error and I won't receive my money. No explaination or proof why. So I called several times to speak to speak to a supervisor and they will not help. I requested all the notes, transcripts and paperwork showing me how I am liable for this. Supervisor was even suppose to call me twice and no call. The workers are incompetent and could have caught and prevented this if they did their job or had better training and just looked at the account. The bank did not do any investigation or check cameras at bank for the perpetrator that used the card at its Atm 's. Please help?
Consumer complaint received 2023-02-16
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. (TX)

I have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I have been a victim of identity theft I have proof someone got a mortgage loan private student loans and I want the too be prosecuted before a judge my names and phone numbers found on my XXXX  account belong too I know people and I have lots of auto loans and XXXX entities I have never filed for please correct my credit the fraud person last four digits too XXXX is XXXX please take care of this matter I have lost so much
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NY)

I was in XXXX for over XXXX and having issues with ally bank accessing my account due to no cell phone service and also a dispute between the the XXXX XXXX XXXX and myself concerning a refund of my airline tickets due to the death of my XXXX old child in XXXX  due to XXXX  XXXX  from the hospital. Upon many different points of contact verbally with calling in and also via email and messaging on the app. Ally denied my refund and dispute with no reason basically saying I needed to handle the issue myself when prior they stated if no resolution could be met they would step in and mediate and resolve the situation in my favor even after all of the evidence was in my favor. XXXX shredded the evidence by saying they couldn't give me an accurate account of how much the refund of the tickets I was supposed to get and ally just kicked the bucket down the road and did nothing in effect siding with the XXXX aka the XXXX XXXX XXXX The points of contact via email and messaging were as follows. XX/XX/XXXX, 3 times, XX/XX/XXXX 8 times, XX/XX/XXXX, 1 time, XX/XX/XXXX 2 times, XX/XX/XXXX 1 time, XX/XX/XXXX 1 time, XX/XX/XXXX twice, XX/XX/XXXX 1, and XX/XX/XXXX I contacted them once. So ally just like with their prior cases of racism with minorities specifically XXXX Americans this is another case of that and to cover over there misdeeds they shut down and closed my accounts hoping that they could cover up there wrongdoing. They also shutdown a joint account in good standing without any reason or arbitration or following FDIC Rues and regulations.
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

I was contacted by Loan Depot about refinancing my current loan in XX/XX/XXXX. I spoke with them and decided to put in an application which included a {$20.00} fee for them to pull my credit report. The charge hit my VISA card on XX/XX/XXXX. I was told the process would take 2 months or less. 

In XXXX, I received another call from Loan Depot where they stated that I could receive a lower rate. I told XXXX ( the sales rep ) that I had a pending application from XXXX and he told me that it had been " cancelled '' because no loan takes two months to close. He offered me a lower rate and I agreed. He told me that since my loan was cancelled, I would have to pay another credit report fee to get the new rate. I disagreed, but permitted him to move forward so that I could get the better rate. A second charge of {$20.00} was placed upon my VISA on XX/XX/XXXX. 

XXXX called me later and admitted he made a mistake, but I would still be eligible for the lower rate on my original loan. I still have his message recorded. I later came into contact with XXXX XXXX, Production Manager, who said he would honor the lower rate and provide a refund of the second credit report fee charge. 

After not receiving the refund, I contacted Loan Depot 's Customer Service and left a message requesting a refund. I received an email response from XXXX XXXX Customer Care Representative, but have never received my promised refund.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you
Consumer complaint received 2023-07-14
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. (SC)

I sent the letter off on XX/XX/23. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

around XXXX, XXXX of last year I was scammed by a company that used coinbase as their main way of money transfer. I transferred around {$70000.00} to this online investment company named XXXX XXXX. I had advised coinbase of the situation, how it affected me financially and psychologically, but nothing has been done.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (PA)

I am in the process of trying to fix this with the company. I sent a letter to them on XX/XX/2021 and Im waiting for a response. After finding out my credit score went down dramatically and my information was shared on the dark web, I checked my report and found false claims of debt. One was with XXXX the cable company saying I owed them a debt of {$230.00}. I have never had an account with XXXX so I know this is false and it is not me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-16
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-14
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. 

Account Name : XXXX  XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX  Account Number XXXX Account Name : XXXX  XXXX  Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-16
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. (FL)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (FL)

The first known incident, occurs from an authorized account opened in XX/XX/XXXX in XXXX XXXX XXXX Nevada. Corporation name was XXXX XXXX. As of XX/XX/XXXX the debt was unpaid and thus issued to collections. The age of the victim at time of theft - was age XXXX. The victim whom of which personal information was used to process all of the following accounts, was born in the year XXXX. Clearly there was no authorization that was provided, NOR could they provide as a minor. 

The second known incident occurs XX/XX/XXXX, an online shopping account is made with company, XXXX. XXXX reports first purchase was made XX/XX/XXXX, resulting in a purchase amount of {$220.00}. As of XX/XX/XXXX XXXX then issues unpaid debt to collections. As of XX/XX/XXXX victim of identify theft, begins receiving calls regarding delinquent account. Victim believes to be scam and simply disconnects call. 

XX/XX/XXXX victim receives another collections call in reference to delinquent account with XXXX. 

XX/XX/XXXX XXXX then contacts XXXX to validate legitimacy of collection agency, and attempts to research any and all unauthorized financial transactions that have occurred. XXXX validates item purchased, date of account opening, and address associated. Call is is documented and recorded. 

XX/XX/XXXX Individual experiencing identity theft, then pulls credit report from XXXX and notices ANOTHER unknown delinquent account on report. Balance showing currently {$1100.00}. Collections agency company - Ad Astra Recovery Services. The date of issue to collections- XXXX. The company that of which the line of credit was issued, Rapid Cash CO. 

I am completely unaware of these transactions that of which are associated with my ssn and first and last name. I have contacted local sheriffs office and am going to be filing a policy report. I am under the impression that the individual using my information is my mother, and I have address, times, and dates that of which align with actions.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Finance Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report that is the result of identity theft. On XX/XX/2023, I submitted a dispute to all three major consumer credit reporting Agencies for the second time regarding this information. As of today 's date, I have not received a response from the credit reporting agency, even though they are required to investigate and respond to disputes within 30 days, as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ).

Furthermore, I believe that the credit reporting agency did not have written instructions from the creditor to report the information in the first place, and therefore the information is not only inaccurate but also should not have been reported. The credit reporting agency 's failure to properly investigate and correct or remove this inaccurate information is a violation of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which requires that the agency investigate and correct or remove inaccurate information within 30 days of receiving a dispute from a consumer.

In addition to the above violations, I believe that the credit reporting agency 's inaccurate reporting of my personal and financial information is also a violation of my right to privacy. The inaccurate information on my credit report has the potential to negatively impact my ability to obtain credit, housing, and employment, and could lead to further identity theft and fraud.

Furthermore, I believe that the credit reporting agency 's reporting of this fraudulent information is in and of itself an act of identity theft, as they are knowingly reporting false information about me to potential creditors, which can harm my creditworthiness and financial wellbeing.

Given that the credit reporting agency failed to respond to my initial dispute within 30 days, I am now filing a brief statement under Section 611 ( a ) ( 5 ) ( A ) that describes the nature of the dispute.

I am requesting that the credit reporting agency promptly investigate and correct or remove the inaccurate information from my credit report, as required by law. I am also requesting that the CFPB take appropriate action to ensure that the credit reporting agency complies with all provisions of the FCRA, including protecting my right to privacy and preventing the reporting of false information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX