davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/XXXX, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. Only if Experian chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXXXXXX 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. 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. 15 U.S.C. 1681a-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 2022-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (PA)

There was a violation of Contract Law resulting in contract fraud due to lack of providing full material disclosure as required by the TILA therefore there is a billing error that needs resolution. ( 12 CFR 1026.13 ) Pursuant to 9-210. REQUEST FOR ACCOUNTING was made on multiple occasions and never received or responded to.

Pursuant to 15 U.S. Code 1635 and further confirmed in 1026.23 Right of rescission, I expressed right to rescind on multiple occasions with no resolution or response. 
1st notice sent : XX/XX/2022 2nd notice sent : XXXX/XXXX/2022 3rd notice sent : XX/XX/2022 In these notices I expressed for all future communications to be via email or mail yet I continue to receive multiple phone calls and voicemails on a daily basis from OneMain Financial and have not received any resolution.
Consumer complaint received 2023-03-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (FL)

Hi, i was a victim of an XXXX DATA BREACH more then Once. XXXX has emailed me this and I will be sure to upload it. ON XX/XX/XXXX I got an email from netcredit stating I owed them over XXXX to start paying XX/XX/XXXX, on an XXXX loan taken out that day. The amount of those rates are theft on their own. I never took out the loan and was told i was a victim of identity theft but it was getting more frequent since XX/XX/XXXX. I forwarded the emails from XXXX. NETCREDIT started if I Send them a police report within 7 days this matter would be clear. I did just that within day 4 and on day 5 they already lied and reported to the credit bureaus dropping my credit score by over XXXX points. .I sent them the police report number well ahead of time now i am reporting to the FTC . 

NETCREDIT stated once they can verify the police report they would drop this whole thing. instead they added it to my credit report.
Consumer complaint received 2022-09-27
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$4700.00}
Consumer complaint received 2022-02-15
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. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-24
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 — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if Fifth Third and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to  receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points. Fifth Third reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA )  which states that if an institution reports a status that that status must be accurate. I called Fifth Third to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to Fifth Third and in all respects was trying to do the right thing to pay off the loan early. The fact that Fifth Third never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that Fifth Third doesn't treat any other customer in this same type of treatment.
Consumer complaint received 2020-10-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

The fraud is that this service does not work. I did what I was supposed to do : I set up an account, and a relative sent me {$2000.00}. These are badly needed funds, that I need for vital living expenses, and I am well over XXXX miles from this relative. Venmo took the money from my relative, but will not transfer it to either of my bank accounts or to any of the three debit cards that I used. They have no right to advertise that it they readily facilitate transfers when they are in fact hanging on to my money. I told them to return the money to my relative so that we can use a reliable service, and Venmo is refusing to do this. All they did was send an irrelevant auto reply email linking me with irrelevant articles. Then, a person from Venmo emailed me and said that the fastest way to unfreeze the account was to provide information that she thought the other email asked. However, the other email never asked for information, and in any event, they have no right to be hanging on to my money. I have never had a Venmo account, and so it can not be any problem with any prior account. Moreover, they only have very limited hours to talk to somebody. CFPB should heavily fine and shut down this rotten, scamming Venmo!!!
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (MO)

XXXX XXXX XXXX v. Wells Fargo On XX/XX/XXXX at XXXX, I called Wells Fargo Customer Service ( XXXX ) because my debit card was unauthorized cancelled even though I had sufficient funds in my checking account. Wells Fargo staff neither reinstalled my card nor presented any mitigation solution to address the issue. Also, I could not access a branch nor a ATM because does not have one in XXXX XXXX Missouri. The closest branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( around 26.92 miles ), and it is temporary closed as well as is its ATM is unavailable ( app.1 ). As a result, I could no buy food, gas, or other basic products ( Fig.1 ) Due to my desperate in having the basic needs fulfilled, I called Wells Fargo couple times, and each time I got different answers so sorry, there is nothing we can do. We apologize .that boiled down in nothing. I can rush a new card by  Monday XX/XX/XXXX ; however, between XX/XX/XXXX to XX/XX/XXXX, I have been exposed to starvation for lack of access to funds. 
On Saturday, XX/XX/XXXX at XXXX, I called again Wells Fargo , XXXX , the banker escalated to the Advocacy Dept. , XXXX , that escalated to somebody else. This individual said the solution is a ATM with access code for 30 minutes. However, according to her there is not ATM in XXXX XXXX and when I gave my Zip Code XXXX, she directed me to Mississippi. 
Wells Fargo in XXXX paid {$480.00} millions is a class action for wrongdoing. It is not a surprise that this financial institution is not complying with Expedite Funds Acts when comes to make the funds deposite accessible to the costumers.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX, I received a telephone call and voice mail from XXXX, a senior specialist of Comenity Bank. XXXX called both myself and my fiance regarding a debt held by another family member. The family member in question also received a similar call on this date. The telephone number that XXXX left to call her back on is XXXX, ext. XXXX. XXXX stated that it was urgent that this family member call her back by XXXX XXXX I have no idea how Comenity Bank has my telephone number and I am especially perplexed as to why they would have the telephone number of my fiance- who does not share my last name- as neither of us has accounts with them. Comenity Bank clearly believes that they have the right to call anyone and everyone who may know one of their debtors. Naturally, when I attempted to return XXXX 's call, I could not reach her, nor could anyone advise me of the urgent issue they were calling about because my telephone number is not associated with any account in their records. Neither myself or my fiance are employees of Comenity Bank and it is not our responsibility to collect their debts or harass their debtors. This practice of calling extended family members and co-workers is a clear attempt to harass and embarrass their debtors. I have been registered on the do not call list since XXXX. I would like to file a formal complaint against this company for their debt collection practices in violation of the Telephone Consumer Protection Act.
Consumer complaint received 2020-10-25
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. (TX)

XXXX XXXX IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I have told since XXXXXXXX XXXX My savings account At Citi Bank will be closed with-in 60 days there was an block so I was told over and over go to the branch so we can verify the account in order to with draw the money so since XX/XX/2022 until XXXX I have tried they have been telling me your account will be closed we will send you check so I gave up waited give them an chance to do that and recently called To CITI back Customer service found out nobody closed my savings account so is still open No body cant help the branch cant do anything nor the customer service when i call so i would like the account be closed and my money amount of {$280.00} plus interest because for waiting from XX/XX/2022 until now thank you
Consumer complaint received 2022-04-06
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 XXXX account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states i have the right to privacy.

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

15 U.S.C. 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 2022-02-15
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: Experian Information Solutions Inc. (CA)

Hi, my name is XXXX XXXX. On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Consumer complaint received 2020-10-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this
Consumer complaint received 2022-09-27
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. (VA)

After reviewing my credit report the following credit bureaus are violating my consumer rights. Please delete all accounts reporting negative data to my consumer file and consumer report, credit report in the next 4 days. 

15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 usc 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 
( d ) Clarification of willful noncompliance.
Consumer complaint received 2022-09-27
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. (VA)

Hello my name XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible!
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (VA)

I was approved for unemployment and given a number to call Way to Go card services to check on when my card was mailed out. Upon calling I was told that it was mailed on XXXX, and to give it a couple of days especially due to the holiday and I obliged.On XX/XX/XXXX, I called back and was told to give it another day or so. I called back on XX/XX/XXXX after the mail had run and was told to give it a few more days and again I obliged, XX/XX/XXXX, I called again because I still had not recieved a card they said it may come on tomorrow ( XX/XX/XXXX ) and it didnt. When I called back on Sunday XX/XX/XXXX to let them know it still hsd not come the person told me that they would order me a new card and I should {$20.00} fee, and I did not find out about a {$20.00} fee until after activating my card I found that the balance was less {$20.00} upon which time I called the company after checking my unemployment claim to find out how much was deposited. Per conversation on last night, XX/XX/XXXX, I was told that I would not get my money back and that was that because it was expedited, which I never requested.I requested someone else to speak to in rference to my concern and was given a supervisor, XXXX, who said that I wasnt getting my money and there was no one else that I could speak to and I refuse to believe that consumers can just be taken advantage of as such.XXXX would not give me a phone number, email address or his superior. 

I never agreed to anyone taking any money off of my card especially during these times and more importantly is that I never received an original card from the beginning and still have not seen that card that was suppose to have been sent out to me.I am definitely not pleased and feel that this is taking money just because they say so and they can. I want and need my $ XXXX.I wonder how many more people this has happened to?