davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, Partial Acct # XXXX, XXXX  XXXX, Partial Acct # XXXX ..., Partial Acct # XXXX ..., XXXX XXXX, Partial Acct # 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.
Consumer complaint received 2022-06-05
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX  PARTIAL ACCT # XXXX DEPT OF EDUCATIONXXXX PARTIAL ACCT # XXXX XXXX XXXXXXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX SOCIAL SECURITY ADMIN ACCT # XXXX XXXX  PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MA)

On XX/XX/2019, I received a call from the XXXX Store in North Carolina regarding a suspicious online order done in my name with my credit card from Elan Financial Services. I live in Massachusetts but the products were being shipped to an address in Kentucky. I immediately contacted the credit card company and was told that someone had called earlier that day to change my mailing address to the Kentucky address used by the scammer. I didn't receive any calls or emails from Elan Financial regarding the address change even though my Alert on such notification was set to Active. Also, if Elan Financial Services had done their due diligence when verifying my personal information, they would have noticed that the caller would not have been able to verify the name on the credit card. My legal name was changed and I never did change the name on this credit card. The name the scammer used to order the products was my legal name. This institution takes customer personal information security lightly and did not do their due diligence when it comes to security.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention an issue I have encountered with Experian regarding inaccuracies in my credit report. Despite multiple attempts to rectify the situation, Experian has failed to remove outdated and inaccurate information and update my correct address on my credit reports. 

I have identified several discrepancies in my credit report, including outdated accounts and personal information that no longer reflect my current financial status. Despite submitting documentation and following the appropriate dispute procedures outlined by Experian, the inaccuracies persist. 

Furthermore, my correct address has not been updated on my credit reports, which has led to confusion and potential issues with creditors and lenders. I have provided Experian with the necessary documentation to verify my current address, but they have failed to make the necessary updates. 

These inaccuracies are having a detrimental impact on my financial standing and could potentially affect my ability to obtain credit or secure favorable terms on loans and mortgages. I have made numerous attempts to resolve these issues directly with Experian, but they have been unresponsive and unwilling to address the matter satisfactorily. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and assist me in resolving these inaccuracies with Experian. I believe that Experian is in violation of the Fair Credit Reporting Act by failing to ensure the accuracy of the information contained in my credit reports. 

I have enclosed copies of relevant documentation, including correspondence with Experian and proof of my correct address, for your review. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy and integrity of my credit reports. 

Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX
Consumer complaint received 2022-06-05
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: Credence Resource Management, LLC (IL)

There is a company that keeps being put on my report, I have stated several times that I am not aware of this company yet, it keeps getting placed on my report. I have contacted the company and the credit bureaus for this to be corrected with no resolution.
Consumer complaint received 2022-06-05
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX  PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX DEPT OF EDUCATION/XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX  PARTIAL ACCT # XXXX SOCIAL SECURITY ADMIN ACCT # XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (NC)

I am writing to file a formal complaint against Discover Bank regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], Discover Bank is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified Discover Bank about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ].

In addition, under FCRA Section 609 ( e ) [ 2 ], Discover Bank is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, Discover Bank has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with Discover Bank, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against Discover Bank and take appropriate action to ensure the removal of the fraudulent account from my credit report. Discover Bank 's failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with Discover Bank and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (UT)

To Whom Can Assist ; I have auto-enrolled in my credit card statement balance being paid in full. They continue to take credits from the month ahead until the payment is made. The problem is, they will still show those credits in the next statement, even if they are not available. 

Can you tell me if this is legal? I'm not able to keep track of what they are doing, and I've requested pay statement total in full. How do they get away with not doing exactly that? 

When I've reached out to the credit card company, they tell me this is what consumers prefer. Shouldn't those credits be moved if they do it this way, so that we can both track what is being done? 

You can see in my file the previous balance pulls the credits from the current month. And the current month credits are not taken in the month they are credited. 

Thanks, XXXX
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

i disputed a account on my Experian credit report in reference to child support on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX each time i disputed the item i asked for method of verification and each time i was told Experian does not verify the accounts. i was told Experian assumes the furnisher of the debt is truthful and honest. they are not following the law and the rules set in the FCRA they refuse to verify a fraudulent and inaccurate account on my credit report which is prohibiting me from obtaining credit. Child support is not a credit account or installment account. Experian obtained this information via 3rd party and will not verify the validity of this account please help me.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MA)

After trying to transfer XXXX  to a XXXX XXXX XXXX I was notified that there was a security hold on my account. I reached out to Gemini to resolve. I was provided ticket # XXXX. I have provided all requested information and no resolution has been provided. I am reading that many customers are having similar issues.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.
Consumer complaint received 2022-06-05
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXX XXXX XXXX ( no account number available )
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

I was given fraudulent wire transfer information for purchase of property. The transfer went through and was accepted immediately, even though the bank ( Chase ) did not have matching information on the account. It did not match the name or company I was transferring the funds too. An investigator handling my case forced Chase bank to give him the account information. Then Chase closed the account due to fraud and refuses to refund my money or take any responsibility. My bank has sent a request for return numerous times. Another investigator filed the person who owned the bank to be no such person, non-existent. The amount stolen was {$14000.00}. The bank not only allowed the money to be transferred into an account that did not match any of the information I sent in my transfer form, except for the account number. They also allowed a fake person to create a account, and take out the funds without taking any responsibility for their negligence. 

I've attached the document sent from my bank to Chase for the wire transfer. The name on the fake account was XXXX XXXX XXXX supposedly born in XXXX. This information was given to the police investigator directly from Chase bank. As you can see my transfer request has no such name or even close to it. I requested it to go to a company via the agents name.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-09-29
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)

I have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

There was an attempted fraud on my wife 's debit card in XX/XX/2024. USAA maintains they sent a Fraud Notice to my wife ( never received ), then killed the card and locked all our accounts. We found the cards locked when my wife went to use one the next day. When I called USAA they told me my wife was NOT notified because 'her profile wasn't on the card '. We did not ever receive a good explanation of why there was no notice and why all our accounts were locked. Complaints were then filed with the XXXX  and CFPB. CFPB file XXXX. 

My wife received an email from USAA dated XXXX XXXX stating the investigation was concluded and 'there was no fraud ', consequently the charge against our account was reinstated. No explanation of how it was determined that the charge was not fraudulent was provided. USAA banking representative was not able to explain the situation, and there is no outward-facing access to the fraud department. 

My position is that this determination of 'no fraud ' was done in retaliation for our earlier complaint to the CFPB.
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (TX)

Company gives me the runaround whenever I ask them why I cant deposit funds or send {$500.00} to a friend XXXX, I know how inconvenient it is to have a transaction be canceled unexpectedly. Keeping your Cash App secure is our main priority. We review payment data to help keep Cash App safe. If anything appears out of the ordinary, the payment is canceled. 

Moving forward, we recommend using these best practices when sending a payment : * Only link a personal debit or credit card in your name * Make sure to send or receive payments from people you know or reputable businesses
Consumer complaint received 2022-09-29
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

My gas credit card account ending in XXXX with XXXX through Synchrony Bank was closed without my knowledge. 
I just got off the phone and was made aware that my account was closed due to XXXX returned payments within XXXX months that are on automated pay with my bank. 
When I asked the representative if anyone tried to contact me via phone about this, I was told yes, that they had called XXXX times. When I asked if anyone left a voicemail so that I could call them back, she said no. That they don't leave voicemail. 
My question was to them, How is anyone supposed to know who is calling, and what you're calling about if you don't leave a voicemail? 
We, as consumers, keep being told not to answer calls from phone numbers we don't recognize. So I didn't. But I do return all my voicemail. Also, I asked about where in my statement does it show that a payment was returned? And it doesn't. 
The actual verbiage states : ADJUSTMENT-PAYMENTS not RETURNED PAYMENTS. 
Then I asked how, would anyone that did not work for Synchrony Bank know that this is a return payment? She said, she didn't know but that's how they're statements are worded. The representative also stated that she was sorry, but my account was closed. That I could re apply if I chose to. Unfortunately, they dinged my credit by closing my account.