davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX is XXXXiolating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.
Consumer complaint received 2022-08-28
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)

On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for XXXX XXXX On XX/XX/2022 I received a return receipt for TransUnion and on XX/XX/XXXX a return receipt for XXXX. XXXX, TransUnion and XXXX did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I initially reached out to Experian on XXXX regarding some unknown accounts that I had no knowledge of. I asked them to open an investigation and they responded on XXXX and XXXX saying that the accounts were verified. I wrote back to them on XXXX asking for them to show me proof of the erroneous information that they were claiming was my debt and were still reporting on my report. Experian again responded on XXXX and XXXX online saying that there has been no changes to the disputed accounts because the companies reporting the information has certified to them that the information is correct. I am appalled and frustrated that such a company who knows the law thinks that they can just send updates online saying that something is verified and ignore my request to show proof that these accounts belong to me. Here are the letters that I sent. I also had unauthorized inquiries on my report which they have yet to respond to my letter about which was sent on XX/XX/2022 asking them to look into unauthorized inquires I had on my report. This entire situation is very damaging to my overall wellbeing and I would like for it to end and just have these erroneous items removed from my report so I can move on with my life.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans union is violating1692c i have not given written permission to report XXXX XXXX, XXXX XXXX, XXXX  XXXX  or XXXX XXXX  accounts on my report. They are also inaccurate violating 15 usc 1681.
Consumer complaint received 2022-02-26
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-08-28
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: PENTAGON FEDERAL CREDIT UNION (AZ)

Dear XXXX You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXX XXXX XXXX XXXX : EMPLOYER : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Collections : XXXXXXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capitol One : Breach of Contract and Racial Discrimination. 

I submitted my identity documents on 11 separate occasions. I waited the 7-10 business days and heard nothing. 

I called and they first denied I sent them anything, then I recited the case numbers I had and they said that case is closed and I have to start over. 

Excuse me!? I uploaded front and back of my ID on XX/XX/XXXX. I called on XX/XX/XXXX ; well within the 7-10 business days! 

That's a breach of contract! 

But that case is " closed ''!? I also mailed copies, including yet another full color set on Wednesday, XX/XX/XXXX. I have sent several. 

Again, I was still well within the 7-10 businesses days for review. A review that has not happened and now I'm told will not happen since I called and effectively started the verification process over again by doing so! 

So, if I inquire about this again within the next few days, they will cancel on case and start the clock on another, and possibly give me XXXX answers within the 7-10 business days. Do you see the circular pattern of illegality occuring here? 

So while I was APPROVED of a {$10000.00} credit limit, they are refusing to release it claiming everything from " fraud '' to " we can't read your id '', then it was " your license is expired '', now it's " we didn't receive anything '' and " we have to start the verification process over again '' to me AND are refusing to allow me to see my credit score, and they are clearly using discriminatory business practices as part of the process. 

On another note : XXXX XXXX XXXX approved me for a loan USING THE VERY SAME ID PICS I SENT TO CAPITAL ONE! This process took only four days start to finish. I have even paid off my current Capital One credit cards with this loan I was approved for, using the aforementioned ID! 

I have sent my ID PICS as jpegs, fax, and in the mail. REPEATEDLY. 

Capitol One 's computer system will NOT allow me to send a CLEAR front pic ; the file would be too large. I told them this 6 times and in writing. And they still insist I use this method, even as they IGNORE the other methods, like mailing copies, that they suggest for me to do, and I have done. 

Again, Capitol One is engaged in flagrant XXXX discrimination and breach of contract.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate late payment. Delete this account Because Experian is reporting XX/XX/2020 as 30 days late, XXXX and XXXX are reporting as paid on time. This is a violation of XXXX XXXX standards as Experian claims to have already investigated the accuracy of this account. Delete for violation of section 623
Consumer complaint received 2022-03-30
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)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Consumer complaint received 2022-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MD)

Tenant sent payment via CHIME online application. By the time I set up CHIME account, the payment was marked expired but the funds were not returned to payer. After repeated contacts to CHIME customer service, CHIME has not returned the {$1200.00} payment to the payer or released it to payee :
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (FL)

I leased a XXXX XXXX in XX/XX/XXXX. At the end of the lease term, I secured an auto loan from BB & T to pay off the lease on XX/XX/XXXX and the lease was paid off ( XXXX XXXX ). However, the title from XXXX was sent to BB & T and was lost. 

I paid off the BB & T auto loan in XX/XX/XXXX. The BB & T lien was never recorded nor was the XXXX XXXX XXXX located. 

Over the past 27 months, I have struggled to get clear title and it finally was received last week. It cost me {$560.00} ( Ex A & B ). 

Thank you for sending me a refund of the out-of-pocket cost in your check for {$560.00} promptly.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2022, the company reported a last payment balance in attempt to Re-Aged the account. This information has already been disputed & they failed to correct they information its been over 69 days which my report still showing wrong information. I would like them to remove/delete this negative impact off my credit report it is causing extreme damage to my reputation and well being.
Consumer complaint received 2022-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OK)

I am a 100 % XXXX vet. I went to my private primary care doctor ( INTEGRIS XXXX ) for a preventative lab test at XXXX XXXX of Oklahoma, using my private XXXX XXXX  insurance. The wrong billing code was used and resulted in me owing the full {$430.00} debt of the service. It has now been reported to a debt collection agency ( XX/XX/2021 ) that is ruining my credit and making it difficult to utilize my VA loan. 

As a XXXX vet with XXXX XXXX plus private health insurance, this service should have been covered and never reached my credit report. I have called and asked the debt collector ( Radius Global ) for a pay for deletion but they refused. 

I have contacted my private healthcare office, the lab, AND the collector and nobody can assist me. I feel wrongly treated and that this should not be legal. Nobody has been able to help me as the collector continues to report and ruin my credit. 

I can also attach proof of XXXX veteran status and private insurance.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/2022, I received a checking account statement from Wells Fargo for a checking account that I did not open. After speaking to several people and filing an identity theft report, they assured me the account was closed. However, it is still open, and I am still receiving statements from Wells Fargo.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

XX/XX/2022 On XX/XX/2022 my car was broken into at the XXXX XXXX XXXX in XXXX, Colorado. I immediately filed a police report with XXXX XXXX XXXX of the XXXX Police Department. My case number is XXXX. My purse and wallet were stolen. My Wells Fargo ATM card was among the stolen items and I contacted Wells Fargo the following day, XX/XX/2022, to inform them of this fact. There was a fraudulent debit card transaction on my account in the amount of {$1900.00} which posted on XX/XX/2022. 

I was informed that my fraud claim would be investigated. I expected that because the Electronic Fund Transfer Act ( EFTA ), I would be reimbursed for the full amount. 

I subsequently received an e-mail from Wells Fargo Claims Assistance Center on XX/XX/2022 telling me the inquiry was closed and a letter informing me of its decision was forthcoming. I immediately contacted Wells Fargo by phone wishing to know of its decision. I was informed by XXXX that my funds would not be replaced. I informed XXXX that under the EFTA, since I notified the bank within 24-hours of my stolen ATM card, my liability was limited to {$50.00}. I was informed by XXXX that a resolution specialist stated that the full amount would be credited to my account within 24-48 hours and possibly the same day. 

As of today, Wells Fargo has not credited my funds back into my account. 

I would like the CFPB to inquire into : Why my funds have not been credited into my account as required under the Electronic Funds Transfer Act ( EFTA ).

Why their fraud department is unaware of the EFTA.

What their policies and procedures are concerning lost or stolen ATM card and whether they are in compliance with those policies and procedures. 

Thank you in advance for your attention to this matter. 

XXXX : Email to XXXX XXXX on Wednesday, XX/XX/2022 Bank emails Bank statement XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

If this company is not on your list, they should be. They have numerous complainants. 

We are unable to send your complaint to the company for a response. 
We reviewed your complaint and werent able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I do not recognize the transactions charged in my checking account listed below : 1. XX/XX/2021 - {$1900.00} 2. XX/XX/2021 - {$1700.00} 3. XX/XX/2021 - {$860.00} 4. XX/XX/2021 - XXXX 5. XX/XX/2021 - {$4000.00} On XXXX XXXX XXXX  I called for the first time to inform the bank what had happened. They provided me with the reference case XXXX. 

A couple of days later I received the refund for the {$4000.00} transaction and not the rest. All of them were made on XXXX. 

I received a letter from Citibank saying the " We have completed our review of your dispute for the transactions above, ( ... ) and determined you are responsible for the charges in question. 

I called again and I was instructed to write a letter asking to reopen the case and provide evidence to support my dispute. I got an email from XXXX saying the transaction was not authorized and the account which was used was already blocked. I also attached my XXXX purchases history. 

After that, I keep calling to follow up and never received a definitive answer. The case numbers below are for the follow-up calls : XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the Fair Credit Reporting Act & Joe Biden XXXX Loan pause Extension TRANSUNION has violated my rights. 

reporting incorrect Accounts status as Accounts with Adverse Information I have a XXXX loan pause extension from president Joe Biden for Account XXXX XXXX XXXX XXXX XXXX Also, 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
Consumer complaint received 2021-12-01
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. (AR)

On XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. Im uploading a new FTC report also.