davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Technology Federal Credit Union (TX)

On XX/XX/2021. I the consumer. Under 15 usc 1602 ( i ), original creditor and natural person in fact, blood and flesh man of given name XXXX XXXX XXXX. Come before XXXX In good faith to the cfpb. Whom Is Allowed and appointed by congress Pursuant to 15 usc 1691 ( c ) - Administrative enforcement ( a ) ( 9 ) to address this issue.. I the consumer was denied extention of my credit. Based on the allegations of records found in my documentary material attached in this compliant. The alleged found is, a violation pursuant to 15 us 1691. Congress has not set out forth these decisions as LAWFUL reasons for non discrimination or refusal of my extension of credit under 15 usc 1691 ( b ) ( c ). Also, as this adverse action has not been deemed satisfactory under 15 usc 1691 ( d ) ( 5 ). As I have not exceeded 150 applications within a one year calender. Also, on the facts given, it is also a violation under 15 usc 1691 ( e ) ( 1 ) as stated company failed to furinsh me with the copy at no additional cost of any and all written appraisals and valuations developed in connection with my application but, in no case later than 3 days prior to my denial decision. Stated company is also in violation of failure to notify me during the application of my rights to recieve a copy of each appraisal under 15 udc 1691 ( e ) ( 5 ).
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX opened XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX bankruptcy, XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX & XXXX opened XX/XX/XXXX XXXX XX/XX/XXXX bankruptcy, XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX bankruptcy XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XX/XX/XXXX bankruptcy ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2018-12-09
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. (NC)

Please know that I was not late on this account. I wonder why XXXX, Experian and XXXX report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2021-06-03
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. (SC)

I have sent letters to Transunion, XXXX, and XXXX asking them to remove the account XXXX XXXX XXXX # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX  is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. Transunion, XXXX, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account Enhanced Recovery Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was a victim of fraud on XX/XX/2021. 
I just so happened to check my Bank of America account and found that XXXX $ were fraudulent taken from my account via various purchases. I reported this to my bank within hours of the transactions being made only to be met with questionable customer service. I was told that an investigation would ensue and that my account would be frozen until the dispute was investigated. I reported this issue so fast that the fund were still in the processing stage. They were still in processing when I was told that my account would be frozen while the dispute is being handled. Today I received a letter informing me that my claim had been denied due to the fact that my information was obtained via a phishing scam through XXXX. This is very unfortunate as that money is all that I had to my name being that I have just relocated to another state. I am completely dumbfounded as to how I was never contacted to verify thousands of dollars worth of transactions that greatly exceeded my daily limit. I am constantly contacted by fraud prevention services over the smallest amount of purchases but I was never contacted to verify obvious fraudulent purchases of over thousands of dollars.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PROSPERITY BANCSHARES, INC. (TX)

On Monday XX/XX/2021 I went inside Prosperity Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX inside of XXXX grocery store. I went into the branch because I attempted to use my debit card and it would not work. I was XXXX advised that my account was closed due to non activity and they charged fees to the balance that was left in my account and closed it. I had been using my card and had a balance of over {$200.00} remaining. They did not provide me with my money nor a notice that they were going to close it or even had closed it. I would like my money returned immediately and my account reopened.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.
Consumer complaint received 2021-07-04
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. (TX)

I called and informed Transunion that i did not recognize an inquiry on my credit report from XX/XX/2020 from XXXX dealership. Transunion informed me that I had to contact the dealership first to attempt to get it removed and investigate. I called the dealership about the unauthorized inquiry. The XXXX dealership stated that they did not run my credit and that they have to evidence of my credit ever being ran through them. I called back nd informed Transunion who then said it was nothing they could do. I wrote a letter as well explaining and requesting that Transunion remove the unauthorized inquiry and supplied information from the dealership that they did not pull my credit and Transunion sent me a letter back stating anyone can pull my credit without my approval or knowledge and that the inquiry would fall off in 2 years. I replied with another letter explaining to them that that was against the law and I have not heard anything back from Transunion regarding this matter.
Consumer complaint received 2021-07-04
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. (LA)

I've been disputing my credit file with XXXX, Experian and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. XXXX  comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. XXXX Last payment does not coincide with XXXX payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

This evening, I discovered unauthorized inquiries on my credit report, and I am deeply concerned about their sudden appearance. I check my report regularly, but this time, these discrepancies appeared without warning. Even after refreshing my browser, the issue persisted. I strongly request that the documents I've submitted be carefully examined to prevent this from happening again.
Consumer complaint received 2022-07-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

In accordance with the Fair Credit Act. XXXX XXXX XXXX XXXX XXXX account XXXX 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 stated a consumer reporting agency can not furnish a account without 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 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MI)

My car was totaled by XXXX XXXX of Michigan on or around XXXX. XXXX  adjuster XXXX XXXX  contacted Wells Fargo ( dealer services ) on XXXX around XXXX was given a payoff quote of {$6600.00} and this was valid for 10 days. I received a monthly statement from Wells Fargo dated XXXX with a pay off quote of {$6500.00} valid XXXX ( printed on the bill attached ). The agent was given a inaccurate quote for more than the balance due this is fraud. When logging into my Wells Fargo account after the agent was quoted the balance due with Late fees added was {$6200.00} ( document attached ). The company was contacted multiple times with no return answers. The payment history detail sent to me ( attached ) stated {$6200.00} " Pay-off with over payment '' nothing has been returned to me the company received a check from XXXX XXXX for {$6600.00}. This company is fraudulent there are so many violations and I need help i have all of the supporting documents need to pursue this issues. I have other issues that will be made in a separate complain for credit reporting.
Consumer complaint received 2023-09-12
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. (NJ)

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


Account name : XXXX Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - 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 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 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

We notified on Friday, XX/XX/22, that there were questionable charges on our debit card. We informed Truist Bank that we suspected fraud using our company debit card. On Friday, XX/XX/22, I disputed with the bank regarding various transactions that took place over three months ( XXXX, XXXX, and XXXX ). When notified, we canceled that debit card and filed the complaint. On Monday, XX/XX/22, I called to follow up on the complaint and was informed that our complaint was denied. I filed a police report on Wednesday, XX/XX/22, then contacted merchants. One of the most significant merchants ( Cash 1 ) I reached out to did a review on their end and confirmed that it was fraudulent activity with my card. They provided me with something in writing, and I supplied that email to the bank, and they are still denying our claim. We have been scammed out of {$17000.00} plus, and we have done extensive leg work to prove that we did not authorize any of the transactions.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC (CA)

my name is XXXX XXXX. I am who I say I am and no third party is involved in this complaint. 

it has came to my attention that Genesis FS Card Services, who I entered into a consumer credit transaction with to obtain their XXXX XXXX XXXX, that is issued by XXXX XXXX  XXXX has been benefiting from unauthorized use of my credit card by charging me every month so that I receive no benefit as stated under 15 USC 1602 ( p ). I am also now fully aware that I am the consumer and original creditor to this transaction in which a finance charge was involved. A finance charge is defined as the sum of all charges in any credit transaction that can not be paid in a comparable cash transaction pursuant to 15 USC 1605, But Genesis FS Card Services has repeatedly taken cash transactions from me. It has also come to my attention that my credit card with this company has not been balancing out every month as it should since this is in fact an Open Ended Consumer Credit Plan pursuant to 15 USC 1637. I am aware that Genesis FS Card Services is not only civilly liable to me under 15 USC 1640 for damages, but also criminally liable for willfully and knowingly giving me false and inaccurate information and can be fined not more than {$5000.00} or imprisoned not more than one year, or both.

I will promptly begin litigation against this company if an equitable resolution can not be reached through CFPB
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MI)

I HAVE BEEN TRYING TO GET 3 SPECIFIC ACCOUNTS THAT WERE PAID AND SATISFIED TO REFLECT THAT ON MY CREDIT REPORT. THESE 3 ACCOUNTS STILL SHOW AS UNPAID CHARGE OFF 'S. THE 3 ACCOUNTS ARE AS FOLLOWS : COMENITY BANK / XXXX COMENITY BANK / XXXX COMENITYBANK / XXXX  XXXX XXXX  I HAVE SENT MULTIPLE DISPUTES TO XXXX, XXXX  AND XXXX  AND HAVE INCLUDED THE PAY OFF LETTERS FOR EACH OF THE PAID ACCOUNTS AND THEY WILL NOT UPDATE MY CREDIT REPORT TO SHOW THAT THESE ACCOUNTS HAVE BEEN SATISFIED. I EVEN CALLED COMENITY BANK DIRECTLY AND THEY TOLD ME THEY COULD NOT GIVE ME A PAID LETTER OR UPDATE MY CREDIT, AND THAT IT HAD TO BE DONE BY THE COLLECTION AGENCY. I HAVE DONE THIS TO NO AVAIL, PLEASE HELP.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I am a current victim of getting my account hacked on Robinhood. I have sent several emails, contacted them on XXXX, phone, and their help center service, and have not gotten a response. I was able to see unauthorized transactions appear on my XXXX device notifications but not sign into my account because it was compromised by the hacker/fraudulent person. Robinhood still has not contacted me to help me get into my account or see what unauthorized changes were made. 

I believe I have lost several XXXX of dollars but can not confirm until I am able to get Robinhood 's help to access the account.
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (GA)

According to reports received through credit karma and directly through XXXX and Equifax accounts that don't exist such as an account that was now reported as ToysRUsMC, Which I don't have and never have. None of my cards have changed names. 
I've copied all point reductions to show that they were suspicious in nature. The XXXX decrease occurred after paying down depts over fraud on a card was removed and paying down cards totalling over 2000 XXXX The increase that month was under XXXX $ as I purchased my sectional through XXXX. I'm still below 5 % and believe I'm being discriminated against. My score dropped XXXX when the fraud occurred and it was not replaced when it was removed ans should have been. XXXX is necessary for such instances. My loan is paid down every month all cards are constantly paid on time. I have attached the report showing discriminatory practices as far as my scores are concerned. I have XXXX XXXX XXXX cards neither were recently opened and it's stated it wasn't but an additional score hit as if I'm not reviewing it although the score is decreasing. Fraud also occurred on my XXXX XXXX XXXX and I didn't regain the points lost from the fraudulent Activity. Consumers should not be penalized for incorrect reporting or FRAUDULENT ACTIVITY.