davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-18
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. (AZ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (NY)

SUMMARY : I signed up for an Amazon card late last year which reflects charges I do n't recall making. I received XXXX email letting me know I was past due in XXXX and XXXX paper invoices ( XXXX and XXXX in XXXX of XXXX ), but neither of the notices listed the line items for the charges. I now have a collections agency after me and despite my multiple attempts to find out what the charges are for, I can not get an answer. 
BACKGROUND : In XXXX of XXXX, I received my first email from Amazon.com telling me my card is past due. I attempted to log into my account to understand what those charges are. I successfully logged into my Amazon.com account, but the Amazon Credit Card required a separate log which I do not have, nor did I ever have XXXX. I then attempted to log in through the " I forgot my user name '' and then " I forgot my password '' and could not get in. 
On XXXX XXXX, I called the Amazon Credit Card / Synchrony bank and managed to get my account number. While on the phone, I requested information on the charges. I had my address, SSN and any security information, but they told me they could not see what the charges were for. 
I then attempted to log into my account again, I entered my credit card number and it came back to me with, " card not registered ''. 
I received XXXX paper invoice in the mail while I was out of town a few weeks ago. Today, I received a second invoice and notice from a collection agency for my Amazon Credit Card. 
I called the collection agency, they transferred me around a few times and I finally made it to a manager. I spoke with " XXXX XXXX '' XXXX XXXX/XXXX/XXXX ) at XXXX XXXX about the collection notice. Explained I made several attempts to understand what the charges are for and I still do not have an answer. Therefore, it is difficult for me to send anyone any money unless I know the charges belong to me. She said she would " request for a letter '' to find out what those charges are for, but I had to pay her {$25.00} in order to remove the " delinquent '' status on my account. I explained I am not willing to pay any money until I know what the charges are. She told me to call customer service at Synchrony. 
I called Synchrony, entered my credit card number and last XXXX digits on my Social Security Number. I made it to a representative, explained the situation and they said they " have limited access and I would have to call customer service ''. When I got off the phone I realized the number the collector and Synchrony gave me were XXXX and the same. 
If I did make the charge and I can not recall, I am more than happy to pay for the items, but I find it difficult to pay for something I do n't even know if it belongs to me and it is impossible for me to find out. 
I can use your assistance in finding out what the purchases were for and if they do belong to me. 
Thank you. 
Kind regards, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (DE)

XX/XX/2015, an item appeared on all three of my credit reports from AFNI , inc for an ATT debt. I contacted them by phone XX/XX/XXXX regarding the debt. During that discussion, I explained to them that this was an error and that I was disputing. About few weeks later, I received a letter in the mail from AFNI informing me that my dispute have been investigated and based on their investigation this account has been closed and Afni , Inc will take no further collection action and request the credit reporting agencies to remove. 

After receiving there letter, I monitored my credit report for four months waiting for AFNi to direct the credit agency to remove entry. In XXXX 2015, I sent a certified letter to AFNI requesting removal and validations in which they refuse to respond. So I sent a second letter in XXXX 2015 again requesting validation in which response was received. I also disputed this items with all XXXX credit reporting agencies twice between XXXX 2015 and XXXX 2015 and both times the disputes came back verified. 

With AFNI continuing to report this incorrect information on my credit reports, they have violated on numerous occasions the Fair Debt Collections Practices Act and my rights. They are purposely ignoring all my request for resolution and continue to report erroneous information which is a violation. 

I have reatined all my correspondence with AFNI 's, including copies of the XXXX certified letters I sent and a copy of the letter they sent me dated for XXXX XXXX. 2015 which indicated they will direct the credit reporting agencies to remove the incorrect account information from my credit files. This has not occurred. 

I 'm hoping the CFPB can assist me with resolving this matter before my next course of action of a lawsuit. 

Thanks XXXX XXXX
Consumer complaint received 2016-03-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (ND)

On XXXX/XXXX/2016 I sent {$300.00} plus a {$10.00} service fee through my savings account at XXXX Bank to Western Union via online. I was to receive an email with the tracking # but no email arrived. I did not have a tracking # and when my son went to pick up the money he was unable to get it. Online at both my bank and Western Union ( using my cell phone # at WU ) I was informed the money was transferred from my account and was at WU. I went online to WU and after 2 hours online and on the phone the rep told me they would resend the email with the tracking # within 24 hours. An email again did n't arrive and on XXXX/XXXX/2016 I called WU again. I was told they never resend an email but they could refund my money and I could resend the money again. After being on the phone for 30 minutes the rep said he had to transfer the call so I could get a tracking # for the refund. I spent another 1/2hr on the phone to finally be told WU can not refund the money and I would have to do that thru my bank. I finally resolved my issue by calling my bank. WU lied to me from the beginning about everything. If I had n't pursued thru my bank they would have kept my money. Their reps do not speak good XXXX and lie to the consumers.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2016-03-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (GA)

Wonder if cooling and winter can still collect on debts from XXXX debts that they not own or got to legally go back court for each debt judgement because the judge did not sign there company that judgement or debt or that they have rights to collect and if do collect unfairly should consumer be refunded to. Amount of payments as restitution
Consumer complaint received 2016-03-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I submitted an automatic payment through bill pay twice on accident. XXXX for XXXX/XXXX/16 amd XXXX/XXXX/16. I also sent the payment to a wrong loan number. I Called pennymac to get refund on XXXX/XXXX/16. They notified me they have received the XXXX/XXXX/16 payment but do not see my XXXX/XXXX/16 payment. I have called them multiple times to get this resolved. The bank confirms pennymac has the funds but pennymac will has not located it and refuses to help me.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NV)

Under 623-15 U.S.C. 1681s, Section 623 ( a ) ( 8 ) ( E ) ( iii ) that references FCRA 611 ( a ) ( 1 ), that allows only for a 30 day period to answer the dispute/complaint. 

This dispute/complaint was sent to you via the CFPB on XXXX XXXX, 2016 to which the CFPB assigned a case # XXXX. 

I expect an answer no later than XXXX XXXX, 2016.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a promotion on my credit card where Capital One reimburses XXXX XXXX subscription cost every month until XX/XX/XXXX. I called about not receiving this month 's reimbursement, and teh agent repeatedly said that had expired despite XX/XX/XXXX being before XXXX XXXX, XXXX. SHe said it was teh " information that [ she ] had '' and when I asked for the official terms, she sent them, and they confirmed an end date of XX/XX/XXXX. I repeatedly asked what she was reading and she kept repeating her phrase that it was the " information [ she ] had '' despite that not being true according to what she sent. She did not offer to clarify the situation any further. 

Thank you for loking into this. I really appreciate it. 

Terms of the dredit card below : " How do I earn elevated cash back on purchases through XXXX during the promotional period? 
You will earn XXXX  % cash back on eligible purchases made using the XXXX and XXXX Eats apps ( and dedicated website ) with this rewards card account. Purchases that post outside of the offer period, XXXX gift cards, and XXXX XXXX membership fees are not qualifying purchases and are not eligible for enhanced rewards ; however, these purchases will earn the base rewards earn rate previously disclosed under the terms and conditions of your rewards program. This offer is valid for consumer, non-commercial use only. Offer valid for eligible purchases made in the XXXX ( XXXX territories may be excluded ) between XXXXXXXX XXXX. XXXX, XX/XX/XXXX, through XXXX XXXX XXXX, XX/XX/XXXX. Additional terms and XXXX terms and conditions apply. ''
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (VA)

My loan was recently transferred from XXXX XXXX to XXXX. I was never notified about the transfer in writing, I only found out when I tried to log into my XXXX online account to make a payment on my loan. This gave me a message that the loan was transferred, and I would need to go to uheaa.org. I created an account on XXXX, but my loan does not show up. My loan due date is approaching, and the only advice I received from XXXX customer service was to wait a few days since they were still transferring accounts. This process has been completely unprofessional and disorganized, I have yet to receive anything in writing explaining the transfer, and only verbal confirmation that I will not be penalized since I have no way to pay my monthly bill until they complete the transfer.
Consumer complaint received 2024-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Consumer complaint received 2024-08-16
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. (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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the fraudulent credit account appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that the account be thoroughly investigated and removed from my credit report as it is a result of fraudulent activity. 

Explanation of Fraud : I have never opened an account with this creditor XXXX XXXX, and I believe that this account is the result of identity theft. I have attached supporting documentation, including a copy of my identity theft report and any other relevant documents, to assist in the investigation. 


Enclosed Documents : XXXX. Copy of Identity Theft Report XXXX. Identification to prove my Identity I appreciate your prompt attention to this matter and request that the investigation be conducted in accordance with the FCRA guidelines. Please inform me of any additional information or documentation needed to assist in the resolution of this dispute.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have 2 hard inquiries about XXXX  XXXXXXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses. 

I also have a police report which the bureaus keep requesting of me so with all I'm doing I'm requesting these things be removed.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX Dear Equifax I am writing to dispute the validity of a debt that your company is attempting to collect from me. This letter is a formal validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ). 

I am requesting that you provide me with the following information : XXXX. The original creditor 's name and address. 
XXXX. The amount of the alleged debt. 
XXXX. Verification of the debt, including any documents that prove I owe the debt. 
XXXX. A copy of the original contract or agreement that created the debt, if applicable. 
XXXX. The date the debt was incurred and when it was assigned to your company. 
XXXX. A complete payment history showing all payments made and any charges or fees added to the account. 

I am also requesting that you cease all collection activities until you have provided me with the requested information. Please note that failure to provide this information within 30 days will result in my assumption that the debt is not valid and must be removed from my credit report. 

I would also like to request that all future communication regarding this debt be done in writing and sent to the address listed above. I do not wish to receive any phone calls regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe. 

Sincerely XXXX XXXX XXXX XXXX All rights reserved XXXX
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had an account go to collections due to my husband being laid off work. I worked it out with Portfolio Recovery Assistance that if we paid our debt then the collection would be removed from our credit report. We paid our debt and this report is still marked on my credit report. It is still negatively affecting me after it was negotiated it would n't after the debt was paid.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I signed up for a Capital One card in XX/XX/XXXX. The interest on the card was unmanageable, and after making $ XXXX/month payments that did nothing to reduce what I owed, I stopped making payments in XX/XX/XXXX or XX/XX/XXXX. 

I realized this would negatively impact my credit, but I had no means to pay down the high interest on the card. In XX/XX/XXXX, while in college at XXXX, Capital One sued to collect all the unpayable interest. When I received the notice of legal action, I also received a credit card offer in the mail the same day from Capital One. I had no money for legal representation and Capital One won in my absence. 

That was in XX/XX/XXXX, and in the years since, I have received many credit card offers from Capital One, but I heard nothing in regards to the judgement against me. 

11 years later XX/XX/XXXX, I was sent a notice of wage garnishment. They are now attempting to collect over {$3000.00} from me. In the 3 weeks since receiving that notification, I have also received XXXX different Capital One credit card offers. 

I make $ XXXX/hr. I have no savings. I have student loans I ca n't afford to pay, and a car I ca n't afford to fix. I live in a XXXX room apartment. Despite all of this, Capital One is taking {$170.00} out of each check ; that 's {$350.00} a month. I can no longer afford to pay basic bills. 

Capital One gave out credit cards specifically to profit from the high interest, then waited to pursue legal action until the last possible moment, then waited 11 years to collect on that debt. If Capital One was so concerned with getting their money then why would they wait 5+ years to sue, then 11 more years to collect? If they 're so concerned with collecting their debt that they sue a poor college kid, then why have they consistently tried to sign me up for another Capital One card since suing me? 

I 'm asking that in light of Capital One 's predatory practices and continued disregard for the ability of the poor people they prey upon to pay back debt while still sending new credit card offers, that this debt be forgiven by the company and that all future credit card offers cease. 

Their actions have shown that, by continuing to offer more credit cards, they do n't need the money and they do not care about giving it away.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (IA)

My son went online to order a free credit report. the website offered a FICO score for {$1.00}, so I offered to pay for the FICO score, and input my credit card information. Unbeknownst to me Experian now had my credit card information and proceeded to enroll my son in a credit monitoring monthly service for $ XXXX/month. I did not select a box, or approve of this charge to my credit card. Experian is using FCRA and FACT ACT for their financial benefit. If you go online and search if others are having this same issue, under the Consumer Affairs website, you will find a lot of complaints about the same scam, but people do n't follow-up on it - they just pay for the fraudulent charge, and have it cancelled. I would like the CFPB to investigate these tactics, and ensure that the free credit report that the FACT ACT guarantees is not exploiting consumers. 
To manage this situation, for the XX/XX/XXXX charge, I disputed the charge with my credit company, which took several weeks and extended efforts on my part. The credit card company closed down my credit card, and issued a new account number because Experian now had my credit information. Before they could close out the account, Experian charged me for a XX/XX/XXXX {$21.00}, which I am now disputing with Experian once I get my old credit card account number from XXXX. I want Experian to provide me restitution for the time and efforts I have had to put into this situation - restituting consumers for time and effort my cause them to manage their business with integrity.