davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (FL)

I have been reaching out to the credit bureaus for a while now asking for them to delete these inaccurate hard inquires and addresses on my credit profile, the bureaus keep telling me the inquires and addresses came back verified and I asked the bureaus to show me proof on how they came back verified and I have not yet gotten a response, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-01-07
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. (TX)

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after theyve already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-07
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. (AZ)

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. 
XXXXXXXX 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, 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and help with this matter.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (FL)

I recently applied to the Barclays XXXX XXXX as I am traveling more with XXXX. I received a letter in the mail stating a thank you for applying, but they need additional information to process the request. What is needed is Drivers License front and back, social security card front and back, and utility bill. I have never in my life needed to send my social security card and am not comfortable with this. I feel discriminated. I have never ever had to submit any of these in my life of using credit cards. My credit is immaculate... 

They then want me to submit these copies via mail. Why do I have to go out of my way to mail these and pay for these expenses? Very unethical. I can email or attach copies, but to me this is going too far. I want a resolution.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OH)

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, 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 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 2021-06-15
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. (TX)

I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX  Saturday, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-10
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. (NC)

XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXX i was advised if i supply my identity theft report, then the account would be removed from my credit report.
Consumer complaint received 2022-04-14
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: SYNCHRONY FINANCIAL (NC)

In XX/XX/XXXX, I have noticed an inquiry on my credit report that I didn't authorize. I contacted the company to aware them of the situation and they response with a letter and response stating that the inquiry will be removed no more than 60 days from all 3 credit bureaus. I've contacted the company in XXXX to check on the inquiry that's still reporting to my XXXX report as of now. Also, in XX/XX/XXXX I've contacted XXXX and they told me that they couldn't delete the inquiry because they don't see any documents from the company which I will enclose a copy in the attachments. This unauthorize inquiry has hurt my ability to apply for credit and it's been passing the XXXX period and no changes are being made to help solve my issue. 

The company violate my rights as a consumer, I didn't give this company permissible purpose to furnish my account with this inquiry and additionally I got a document from the company to have the inquiry delete. The company nor the credit bureaus or complying. 

I've submitted a complaint before and here is the complaint number ; CFPB Case XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NM)

This relates to an XXXX XXXX XXXX card. For years this card was administered by XXXX  XXXX XXXX, without problems. Their online access was pretty much error free. 

Recently the XXXX card administration was changed to Comenity Bank/Bread Financial . I signed up for an online account, created a password and have not been told the password I use each time is correct. However each time I've tried to access the account it denies access. 

The message says it doesn't recognize the computer I'm using and asks for a one-time access code, which I can obtain XXXX of XXXX ways : text and e-mail. But the boxes for those options say mobile phone unavailable/e-mail unavailable. 

Now this simply isn't true. Comenity/Bread has my e-mail and e-mails me constantly, so that shouldn't be an issue. ( They have a very limited list of mobile phone providers ( maybe XXXX ) and mine isn't among them -- so receiving a text is not possible for some obscure reason. ) I have called and talked to customer service repeatedly for a total of several hours, including a supervisor. All of them have told me ( in heavily accented XXXX ) that their records show my e-mail address and they can't understand what's going on. Further, they say they can't fix the problem, and there's no technical support available available to fix it. So good bye. 

In other words, buddy you're just out of luck.
Consumer complaint received 2022-04-05
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. (NY)

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 2015-03-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (TX)

I recently closed on a VA Re-finance through XXXX, the representative I dealt with XXXX XXXX and his supervisor XXXX XXXX both told me ( in e-mails and recorded conversations ) that if I refinanced through XXXX XXXX Mortgage that I would be allowed to skip my XXXX ( {$2300.00} ) and XXXX ( {$2300.00} ) payments to Shellpoint Mortgage my old lender ( Mortgage Company through New Penn Financial ). I asked if I could skip XXXX and XXXX payments as I had already paid Shellpoint the full amount for my XXXX payment ( {$2300.00} ) however XXXX said no it need to be XXXX and XXXX Payments that I could skip based on loan ( Re-Finance ) closing. Again I was ensured that I would get my XXXX full payment back by XXXX. Shellpoint had included part of my XXXX payment in final settlement and only reimbursed me for partial return of my XXXX payment made on XXXX XXXX XX/XX/2015 of only {$1200.00} was returned from XXXX payment and {$1300.00} left over from my Escrow account. I was shorted {$1000.00}. I have contacted both XXXX and Shellpoint requesting the balance of {$1000.00} ( might not be considered a lot of money but when you are a XXXX it is a lot of money ). All I seem to get is the run-a-round. And XXXX of the companies has committed fraud and definite deceptive trade practices. I want to file a formal complaint. XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (CA)

I took out a personal loan from Wells Fargo, first payments stated XXXX. XXXX is the amount. They wanted me to set this up on auto payments. I would go in every month and put another payment down on top of this minimum auto payment. Problems so far... It started to seem that my min payment was not being made. Every time I went in I made sure it was all set up for auto payment and that they were being made. The tellers EVERYTIME would tell me yes, they are all set up and working. Finally a teller suggested I make the second payment on top of the min payment " principal only '' payments, that would help me pay off loan faster. Started to do that. WF then said on XXXX XXXX ( when I started to do it this way ) they said after careful review, we can confirm the principal only payment option was removed from all channels??? THEN... a few months later, another teller was trying to help me, she pointed out that you can ONLY make overpayments the ONLY DAY THE AUTO PAYMENT GOES THROUGH! So In good faith, I started to put XXXX on top of the minimum payment of XXXX. In all I was giving WF XXXX a month... HERE IS THE A BIG PROBLEM... since I was putting down more than minimum, they were DIFFERING the auto payment to the next month. So not acknowledging the min payment. Then taking interest out of the extra payment amount!! OVERALL... by not acknowledging the min payment that added up to be and was XXXX NOT PUT TOWARDS MY LOAN per year!! By rights I should have this loan almost paid off by now!! I just noticed they get XXXX PER YEAR INTEREST FROM ME. Now I know that banks are in business to make money. But this??? I am in good faith trying to pay off my loan as fast as I can. That only seems logical?? So far, I have a case number with WFXXXX. Now I am sure with all their lawyers and being a huge company, they are all in the legal here... BUT the way they are going around and setting up all these road blocks trying to slow me down in paying off the loan is pretty despicable????? Hopefully by issuing a complaint others will see and be alerted to these shenanigans being pulled by WF. Thank you for taking time out on this matter.
Consumer complaint received 2021-06-29
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. (IL)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MI)

Two years ago, after purchasing my first home, I suspected the presence of mice in my new home. On XX/XX/XXXX, I hired XXXX for a mice inspection. XXXX offered a free inspection at no charge. They did the inspection and suggested a one-time treatment. They also verbally notified me that the fee for the treatment will be a one-time payment of {$100.00}. I offered cash for the service, and they refused to accept cash. Then I accepted to pay the one-time fee of {$100.00} with a credit card. XXXX crew handed me his XXXX  for the credit card payment and my signature. After applying the treatment, the crew left, and I have not heard from the company. After 3 months, on XX/XX/XXXX, I noticed recurring transactions on my credit card from XXXX. I noticed that XXXX charged me 3 times already, once every month. I called the XXXX customer service asking for an explanation, and they informed me that I have a contract with XXXX and will be charged $ 102 monthly for a year for treatment, with an option to terminate the contract by paying a {$500.00} termination fee. I informed them that XXXX never informed me about any contract, and I neither agreed to such a contract nor signed any such contract. In response, XXXX emailed me a copy of a contract ( Attached ). Upon reviewing the contract, I suspect when the XXXX crew told me to sign for the one-time credit card payment, that was the contract and not merely a signature for payment. I feel they tricked me into signing something I did not agree to. I discussed my suspicion with XXXX over a phone call and requested to terminate my contract without a termination fee as I was not made aware of a contract, and they refused. I called my bank and informed them about this fraudulent activity. My bank refunded me for the two additional months when I was charged wrongfully and placed a hold on future payments to XXXX. I called XXXX on multiple occasions to resolve this issue, and they refused help. In XX/XX/XXXX, XXXX sent this contract to a collection company. I take very good care of my debts and have an excellent credit score. I pay all my bills and mortgage on time every month. I'm seeking your advice and assistance on resolving this matter.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Hola, 
Mi nombre es Diana Michos amablemente ped al banco chase J.P. Morgan que se encargar de un fraude ocurrido en el mes de junio 06/10/2021 y nunca resolvi el problema al contrario dejaron que $1000.00 se desvaneciera de mi cuenta de ahorros por una equivocacin del banco pido de favor como nueva y soltera madre de familia, y ms en el estado que me encuentro no puedo hacer mucho tuve una cesrea de 30 puntos y con lgrimas en mis ojos pido a este departamento que me ayuden yo no tengo dinero para sustentar a mi bebe y el banco chase nunca quiso escuchar mis ruegos quiero que se investigue inmediatamente o si no estar muy pronto en la calle con un bebe de tres meses de nacido !!
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (MD)

I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my XXXX XXXX credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.