davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-29
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. (FL)

I've recently sent out three disputes about my XXXX XXXX car loan with XXXX, Transunion and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my Transunion and account the total of the balance has been set to {$0.00}.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX XXXX XXXX - IDENTITY THEFT ACCOUNT!!! 

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-31
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: CITIBANK, N.A. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-03-16
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: CARD Corporation (FL)

I tried to take money out the ATM on three separate occasions and each time the money did not dispute. It was over XXXX that did not come out the ATM. I assumed the transactions would fall off, however they didn't and I filed a dispute with Card.com. I called in today and I was told that no error occurred and that I'm going to have to take it as a lost. I'm refusing to do that. I've had fraud and many other things happen on these card.com cards and even though I've sent in plenty of evidence showing the fraud by sending police reports they still deny everything. At this point is sickening but this one I will not allow. This company does not project its card users against fraud or any other type of transaction.
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (CA)

Ive had an auto loan with BMW Financial Services since XX/XX/XXXX and was never 30 days late up until the time of XX/XX/XXXX when my vehicle was stolen. My vehicle was paid off completely by XXXX and GAP Insurance on XX/XX/XXXX and I began an agreement verbally with BMW customer service rep to pay {$100.00} per month directly to BMW until the remaining balance of {$2800.00} was paid off. During this verbal agreement I was never informed that if my balance was not paid off in full within 6 months my account will be placed in a collection recovery status, which will negatively impact my credit report as it recently has. Ive reached out to BMW and spoke with a female operator name XXXX who informed me that BMW doesnt have to tell their customers that important information, which is very unethical, unfair and should be illegal. 
My car payment was {$850.00} per month which I paid consistently for over two years and if I was made aware when I was offered the payment arrangements that they would put my account in collection recovery status I would have paid this off before my good standing account was damaged. Because of what BMW did with this account this I was denied a business loan opportunity!
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

PayPal XXXX XXXX CFPB Report Summary : PayPal has wrongfully billed me for a fraudulent {$650.00} transaction even after they resolved a PayPal dispute in my favor. During this process I filed a chargeback with XXXX and then cancelled it. They claim XXXX took the money from PayPal, but XXXX confirms I cancelled the chargeback and PayPal accepted the dispute in their favor. PayPal debited me after the date XXXX says PayPal accepted that PayPal had won the chargeback. At this point, I am out {$650.00} and have no recourse because XXXX says they sent the money back to PayPal but PayPal says XXXX sent the money to me. XXXX did everything they were supposed to, but PayPal is still erroneously charging me. 

Timeline : XXXX I purchased a very large tool chest on XXXX for {$650.00} including tax and shipping. 
XXXX A substantially different item is delivered by freight XXXX Item return started XXXX Seller promises refund XXXX Item picked up by freight delivery company XXXX No refund, opened PayPal dispute XXXX PayPal issues temporary refund of {$650.00}, but their automated system refuses to accept my info because it is not a XXXX or XXXX tracking number. Tried multiple times to communicate that the return was via local freight and there was no tracking number. Offered security camera evidence of XXXX XXXX workers in a XXXX XXXX truck picking up the merchandise, PayPal refused. 
XXXX PayPal closes the dispute in fraudulent seller 's favor, sets PayPal balance to - {$650.00} XXXX PayPal attaches {$650.00} charge to an unrelated purchase without warning XXXX Chargeback imitated at XXXX for {$650.00} XXXX PayPal reopens case XXXX I cancelled chargeback with XXXX, resolving it in favor of PayPal. No credit to my XXXX account required. 
XXXX PayPal researches my evidence and closes the case in my favor, refunding me {$650.00} XXXX PayPal sends a second notice telling me they closed the case in my favor and that they had already processed the refund. 
XXXX Without warning, PayPal charged me {$650.00}. Upon inquiry they claimed I had not closed the chargeback and they were collecting the funds XXXX had refunded me. 
XXXX PayPal and XXXX complete settlement of the dispute with PayPal confirming to XXXX that the dispute was resolved in PayPals favor.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MO)

APPLIED FOR AN OPEN ENDED CHARGE CARD WITH AMERICAN EXPRESS AND WAS DENIED AFTER PROVIDING REQUESTED NFORMATION ON APPLICATION/ASSET BACKED SECURITY. THE APPLICATION WAS DENIED DUE TO HIGH CREDIT LIMITS, XXXX SCORE AND INNCURACTE INFORMATION ON CONSUMER CREDIT REPORTNG.WHICH WAS POVIDED BY THRID PARTIES I BELEIVE THIS IS DISCRMINATION AND FEEL AS IF THESE ARE DECEPTIVE PRACTICES BEING USE. I PROVIDED YOU WITH AN ASSET BACKED SECURITY AND YOU DENIED MY APPLICATION. THE APPLICATION/ELIGIBLE RECEIVABLE IS/WILL BE TRADED ON THE SECONADRY MARKET.I DONT WANT TO REPORT THIS AS SECURITY FRAUD. PLEASE DONOT MAKE ME REPORT TO SEC FOR SECURITIES FRAUD ALONG SIDE WITH HAVING MY ACCOUNT AUDITED. SEE UPLOAD
Consumer complaint received 2024-01-01
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)

These creditors has violated my rights XXXX/Transuion XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Friday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Late Transactions Reporting on Consumer Report To Whom It May Concern, I am writing to address a matter of concern regarding the reporting of my transactions with your company on my consumer report. The specific account in question pertains to the interactions between the consumer, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( a ) ( 1 ), the term " consumer report '' does not encompass reports that exclusively contain information related to transactions. As such, my transaction history with your company, involving XXXX XXXX, should be excluded from my consumer report. 



In light of the legal provision mentioned above, I kindly request the immediate removal of this transaction from my consumer report, or alternatively, the removal of the item marked as late. It is essential that my consumer report accurately reflects my financial history in accordance with applicable laws. 



I understand that compliance with the FCRA is imperative, and I trust that you will address this matter with the required diligence and promptness. Your cooperation in resolving this discrepancy is greatly appreciated. 



Please provide a written response to confirm the actions taken to rectify this issue. If any additional information or documentation is needed, please do not hesitate to reach out to me at the address provided above. 



Thank you for your attention to this dispute. 



Sincerely, XXXX XXXX
Consumer complaint received 2021-12-16
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: Resurgent Capital Services L.P. (NJ)

On and for the record, I contacted LVNV FUNDING, LLC after noticing that LVNV FUNDING, LLC is listed as a derogatory mark on my Credit Report ( s ). I contacted LVNV FUNDING, LLC in XXXX regarding the alleged debts listed at {$2000.00} and {$2200.00}. LVNV FUNDING, LLC FAILED to produce the evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. My investigation is evidenced by Certified Mail Number XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (VA)

This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not authorize to use my information or to be given to a third party. My personal info had been breached and was fraudulently used to process transactions and open an account under my name without my consent. I did not agree to any membership, loan or credit card. I never gave authority to open such account. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

Hi, I set up a direct deposit with chase and was supposed to recieve my paycheck on Thursday. My employer says that they have already provided the funds but chase claims that they don't see any incoming transactions. It's Monday now and chase banking claim that they can't do anything. I still don't have my pay and no way to fund out where my money ism Chase has been nothing but unhelpful.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (FL)

This complaint is the third complaint filed against Plusfour , Inc. for illegal collection activity in the State of Florida. In the previous complaint XXXX, Plusfour submitted an illegally modified E-Oscar report from Transunion. In the report, Plusfour modified my current address to reflect a Nevada address in place of my Florida address. They illegally modified this document because Plusfour is restricted from conducting collection activity in the State of Florida by the Florida Attorney General and the Florida Office of Financial Regulation. I have attached a copy of the legal order from the State of Florida. I have also attached a copy of my current XXXX credit report dated XXXX reflecting my Florida address. Plusfour is fully aware that they are operating illegally in the State of Florida. I have filed a formal complaint with the Florida Attorney General and Florida XXXXffice of Financial Regulation requesting an investigation of XXXX and their illegal collection activity.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

In XXXX I lived at an apartment complex. 
As the lease was ending ; the landlord failed to provide me a notice 60 days from the time my lease was ending as stated in their lease contract. 
They harassed me about their failure to do so and was not able to provide me the notice. 
However, that was not the end of the harassment and discrimination. 
I moved out and placed the keys in the unmarked and hard to facilitate drobox before the next business day started in the am and the landlord added a key fee of XXXX or so bucks. I pleaded that they run the security cameras and they would see the keys were placed in the drop box- before they were in the office next business day. 
I later received a bill from my move -out that was invalid. After months and days and weeks going back and forth with XXXX about the figures ; it was found that XXXX was miscalculating by excess time that I was never in the apartment. 
once I provided the correct calculations - she refused to provide me the remaining balance of my deposit. 
It has been over XXXX XXXX years since the communications. 
However, the XXXX has decided to think it is appropriate to now place the balance that they actually owe me on my credit report XX/XX/XXXX.
Consumer complaint received 2020-03-16
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. (CA)

The mortgage company is XXXX, and their major company is XXXX XXXX  XXXX, XXXX. They have reported me to all three credit bureaus as being " 30 Days Past Due '' without merit. The dates in question are : XX/XX/XXXX, Transunion ; XX/XX/XXXX, XXXX  ; XX/XX/XXXX, XXXX. 
I filed a complaint with your office in XXXX, # XXXX to no avail. This company has initiated the same illegal conduct as I complained in XXXX. I have prepared a written statement listing all actions this company has conducted against me and I would like to submit it as proof. Your process does not permit me to upload this statement. Please provide me an avenue where I can upload this document or send me an email where I am able to submit it. 
Thank you for your assistance in this matter.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (PA)

Chase is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Chase failed to perform their obligation to respect and protect my privacy. Chase failed to provide me an adequate opt out notice and Ive NEVER granted Chase any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Chase actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Chase breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Chase to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Chase is required to comply with this opt out notice upon receipt and comply with the follow
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I was in a fraud case. The people sent me money and I was to get it back to them. They said this way they could trust me. So I tried to send back. I sent XXXX back per code at XXXX. And then a gift card from XXXX for {$500.00}. I stopped after that. I figured something was wrong. Called bank and let them know. Bank is making me pay XXXX. They said scene I did it willingly I have to pay it. I did not know I was caught in fraud.also worker at XXXX XXXX said IHad two days to pay money back. That they could turn over to collection. That theyd let all the banks know
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are showing a XXXX  XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (FL)

To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain credit.