davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2017-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about XXXX XXXX of the same date.
Coin base notified me of price drops for digital currency 's such as BitCoin.
The price was very volatile and I ended up being charged between $ 180- {$300.00} over each price. That I originally paid for. When the price of bitcoin went up I tried to sell one was high and discovered that I had paid more than originally intended and was unable to sell any of my current holdings.
Consumer complaint received 2019-04-24
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. (GA)

Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account numbers ****XXXX. ( Please see page 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (FL)

XXXX XXXX XXXX has wrongfully put my account to collections. Invoiced dated XX/XX/XXXX {$23.00} was paid in full XX/XX/XXXX conf # XXXX. A second identical bill was sent out dated XX/XX/XXXX at which upon receipt I called XXXX customer service to verify the bill. She concluded that my payment had been made but that THEY had never posted the payment. Transaction summary ID XXXX Batch XXXX. She said no further action was needed on my end. Now I come to find out on XX/XX/XXXX my account has been sent to collections and I was not aware of the XX/XX/XXXX dispute deadline since I only received notification via mail. This must be addressed immediately and my perfect credit be rectified. I have all the documents available to upload to prove process of payment. It includes account # s and personal info so per your statement above I will not include those documents in this message until contacted for further action.
Consumer complaint received 2022-05-30
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: Alabama Housing Finance Authority (MO)

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 sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (CA)

In accordance with Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-23
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. (MD)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Date of Inquiry : XXXXClaim Number : XXXXCard ending in : XXXXClaim related to Account1 ending in : XXXX Fax number : XXXX Im writing to dispute the chase of {$500.00} from XX/XX/2022. I lost my wallet and all major credit card including CHASE business debit were compromised. Since they dont have 24 hr service I notified CHASE BANK the very next day XX/XX/2022 ( I notified within two business days of discovering the loss or theft ) which means the bank or credit union cant hold me responsible for more than the amount of any unauthorized transactions or {$50.00} After faxing compelling documentation proving without reasonable doubt, I was a victim of credit card fraud, where multiple unauthorized transactions were made on all 3 credit card including Chase. 

I was never at fault, I never failed to to protect the details of my card, PIN or password in a way that allowed the transaction. I never gave permission or authorize any family member to withdrawal from my chase account, in fact were we all at the movies, when the incident happened. Said proof was sent to Chase. however, Chase bank simply denied my appeal, even though, I never acted fraudulently or because I deliberately failed to protect the details of my card, PIN. 

All my credit card companies, except for CHAse, have been able to credit back my account, after concluding without a doubt that I was never at fault. 

I believe they had no careful consideration, no reasonable investigation, instead Chase blindly denied my appeal claiming the following We found that the transaction ( s ) was processed according to the information you provided or was authorized If a reasonable instigation was conducted by Chase. They would have found, the fraudulent transaction doesnt match my purchasing pattern, such as types and amounts of purchases, with the consumers previous purchases. purchases/ withdrawals were not made relative to the my address and typical shopping venues Therefore, Id like to request a proper reasonable instigation, on said dispute said transaction, Im terribly dissatisfied with Chase handling my case. 

Briefly, Id like for Chase to please correct the error on my account promptly. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-09
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (NY)

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

XXXX # XXXX 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. 

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 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank (MS)

I, XXXX XXXX is filing this complaint in response to Synovus Bank issue of XXXX XXXX XXXX. Synovus Bank has violated multiple laws under the Fair Credit Reporting Act. Synovus Bank is being abusive, deceptive, and unfair to consumers. 
Synovus Bank stated, The Privacy Notice, which is included with the Cardholder Agreement, provides detail about what Synovus Financial Corp. does with personal information. Synovus Bank also stated a customer may not Opt-Out of this portion of the Cardholder Agreement or the Privacy Notice. 
Congress says its REQUIRED that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Synovus Bank has violated my rights to privacy under XXXX XXXX. 
Synovus Bank did not disclose this information to me that is required by federal law. 
Synovus Bank knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
Synovus Bank knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-05-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXr XXXX / XXXX XXXX Follow up the Shellpoint Mortgage Servicing LLC 's reply dated XX/XX/2022. 

Attached, please find the final paid-off wire statement from XXXX XXXXk {$120000.00} ( attached 1 ). 

Attached, please find the bank statement payment proof that the {$3000.00} fund was sent on XXXX XXXXXXXX XXXX ( attached 2 ) and posted to Shellpoint Mortgage Servicing LLC XXXX XXXX Account on XXXXXXXX XXXX XXXX. ( attached 3 ) - XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120000.00} ( attached-1 ) XXXX XXXX  XXXX {$3000.00} ( attached -2 & 3 ) Total deposited and wired {$130000.00} as at XX/XX/2022 ( exectly paidoff amount requested from ShellPoint dated on XX/XX/2022 ( attached -4 ) for the payoff date XX/XX/2022. 

According to Shellpoint Mortgage 's instruction/ payoff letter dated XX/XX/2022 ( attached -4 ), I have been settled and fully paid on XX/XX/2022 by XXXX payment before date of XX/XX/2022. Please apply these payments/funds to pay the loan in full.
Consumer complaint received 2022-05-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ADA Brown LLC dba Star of Texas Financial Solutions (TX)

I received a loan from star of Texas in XXXX since then I been having financial issues and struggling to pay it back my phone was disconnected etc I received a email from Star of Texas today and this is what it said by XX/XX/2022 we will file fraud charges with XXXX XXXX XXXX. Because I havent made a payment also the card they have on file is invalid because I got a new one due to the other one being compromised and totally forgot to update it. I have been threatened and intimidated by star of Texas of charges of fraud because I have not made any loan payments which is totally crazy that they would go to stuff low depth to get a loan payment from me.
Consumer complaint received 2022-05-30
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. (VA)

Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Consumer complaint received 2024-03-09
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-03-09
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$310.00}
Consumer complaint received 2022-10-26
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)

XXXXXXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is now revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.