davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to tell you that I had not heard about any specific action taken by you to re-verify the items I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-10-15
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. (NV)

On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.
Consumer complaint received 2018-10-15
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. (CA)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

There exists a policy among credit reporting agencies such as TransunionXXXX and even XXXX XXXX of reporting " hard inquiries '' in a negative manner. In 2015 I purchased a new car, my score was XXXX, so it was good. I wanted the best financing offer possible so I allowed the car dealership to " shop '' my loan to XXXX different places and accepted the best offer. However although those inquiries were all on the same date, same transaction I received XXXX hard inquiries which dropped my overall credit score XXXX XXXX XXXX points. Now, I know from talking to a CFPB rep that the credit agencies " say '' those inquiries do n't affect your score, that 's not true. Consumers should be allowed to choose the best financing they can get, without being punished on their credit reports. I disputed the inquiries with reporting agencies, but the disputes were denied because they actually happened, those inquiries did take place. So I was punished for trying to shop the market. I have printed reports showing those inquiries as being numbered, printed by name and date and listed as a " credit factor '' on my actual credit reports, so the reporting companies either did n't want to understand the question when CFPB asked the question, or they lied when they told CFPB that inquiries do n't affect your own credit report. I do n't believe that XXXX intended the public to be " pushed '' in only XXXX direction when trying to obtain credit and punished for trying to shop their own credit information.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

During XXXX and XXXX, I had XXXX send auto debits for monthly payments direct to Capital One, to assure timelines of pmt. In XX/XX/XXXX, Capital One sold my " debt '' to a collections agency ( XXXX ), who said that no payments had ever been ade, despite my proof on checking account statements showing monthly deductions sent to Cap One. I hired an attorney, who spoke with Capital one and XXXX, and to make this issue go away and not effect my credit adversely any longer, agreed to pay the {$350.00} balance in full, again. My atony wrote a letter to XXXX and Cap One, with all parties agreeing to my paying the balance in full, Cap One not reporting this account as a charge off, and that NO late payments would ever be reported on my credit report stating such, as Cap One had been paid on time monthly. This was to insure that everything was fully satisfied for all parties involved, and XXXX said they 'd send a release/receipt back to attny within 24 hours. On XX/XX/XXXX, Cap One added a note to my credit report stating that I was late the entire year of XXXX, filling each grid on my credit report with either a 30, 60, or 90 day late notation. ( this math is actually impossible if you look at it ). They also notated a charge off, a collections transfer, and that the account was closed by credit grantor, making it look as if I had n't paid per the legal agreement set up to report the account as closed, never late and paid in full. This goes directly against the fair debt reporting act, and is why consumers can NEVER see to get ahead of anything. This account was opened in XXXX, and paid in full and closed in XXXX. It 's ironic that the late payment notations and charge off/collection notes have just appeared on my XXXX report, as it 's almost to the 7 year statute of limitations for reporting debt in VA. 5 years after fully satisfying the credit card debt, multiple times actually- as Capital One would never admit to receiving the auto payments from my checking account, although XXXX shows they left my checking account monthly, went to Capital one properly notated with my act info, and never came back, I paid them consistently, on time, AND paid a full balance AGAIN to a collector that Capital One sold my debt to, despite the fact they were being paid on time.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete. 



The following companies don't have permission or authorization to request my credit report : Inquiry details XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Name Account Number Amount Number Status XXXX XXXX XXXX XXXX {$520.00} Paid, Closed/Never late. 
XXXX XXXX XXXX {$240.00} Open/Never late. 
XXXX XXXX XXXX Secured Loan. Paid in settlement. {$300.00} written off. 
XXXX XXXX XXXX {$300.00} Paid, Closed/Never late. 
XXXX XXXX {$4900.00} Closed/Never late. 
XXXX XXXX Closed/Never late. {$0.00}
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is preventing from access my annual credit report online, as well as preventing access to my state security freeze option by preventing me from " registering '' to their site. As Transunion has now added site specific registration for all facets of their system, without the ability to register, I have been blocked from all Transunion online access.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing a complaint against XXXX XXXX regarding the inaccurate reporting of a late payment on my account ( Account Number : XXXX ). According to my records, all payments have been made on time, and I did not receive any notification of a late payment. XXXX XXXX reported a late payment on my account without prior notification and without valid proof of any delinquency. I requested verification of the alleged late payment, including dates and associated records, under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). However, the company has not provided verifiable proof or demonstrated that reporting this information does not violate my right to privacy.

This incorrect reporting is negatively affecting my credit profile, making it difficult for me to secure a new vehicle for my family, and causing undue stress and financial strain.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2024-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (AZ)

I had a account with Navy Fed, My Checking and Savings account had just turned 6 months old, I also had just opened a brand-new business account with Navy Fed , Through my personal checking account I had been receiving XXXX Payments from a person who banks with BOA, she was using her business account with her personal profile. My XXXX were anywhere from XXXX to XXXX and she would send them to me weekly for a project that I was helping her with. On XX/XX/year> her bank had her create a business profile for her XXXX because her personal profile was over the monthly limit this was the same account that she had sent me the XXXX every week for like three months. when she sent my zelle of XXXX My Bank Navy fed blocked the payment, And due to a known system issue on that day where XXXX was flagging transactions as fraud and delaying transactions with several financial institutions. My payment was not allowed. to Navy Fed. she then sent my XXXX to another bank of mine XXXXXXXX XXXX same amount XXXX with no issue. the following monday morning I got an email from XXXX who deactivated my account due to fraud and Navy fedwho closed not only my personal account but also my business account due to fraud I have a statement from XXXX stating no fraud occurred and
Consumer complaint received 2018-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NC)

I recently short sold my primary residence in a short sale on XX/XX/2018. The first mortgage was a full payoff, the second, with PNC Bank was a short sale and they settled for {$77000.00} per their attached short sale approval letter. The letter clearly states that the debt of {$34000.00} was to be forgiven. Now after almost 3 months, they have still not recorded the satisfaction and have taken the past due out of my checking account without my permission.
Consumer complaint received 2024-10-25
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: Conn's, Inc. (TX)

Company or Organization : CONN 'S Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5300.00} I WOULD LIKE PROOF OF HOW THIS DEBT WAS VERIFIED BY XXXX XXXX WHEN CLEARLY NONE OF THE OTHER CREDIT REPORTING AGENCIES CAME TO THAT CONCLUSION. THIS IS INACCURATE AND SHOULD BE REMOVED IMMEDIATELY
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

On XXXX XXXX Affirm advertised a {$400.00} line of credit, I applied for the loan they took {$200.00} from my bank account and offered {$200.00} payment, using bait and switch tactics.I called and complained they then reduced my credit line and took my $ XXXXThen said I had been denied for the loan after saying I was approved and offered credit.I had to wait XXXX to XXXX business days to get my money back. This is bait and switch at it's highest level.This is not the first time this has happened, and is happening to multiple people.They are using deceptive language to bait customers to give them there money and then hold onto it.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (FL)

I am writing to notify you of an urgent situation related to the financing granted for the XX/XX/XXXX performed on XX/XX/year>, at XXXX XXXX XXXX. During the process, I was approved for two loans : one for {$8000.00} and another for {$3900.00}. However, only a total of {$9400.00} was used for the XXXX, while {$2500.00} was deducted, which was placed as a debt to Affirm. 
Consequently, {$8000.00} from the first loan and {$1400.00} from the second loan were used. This situation has resulted in an incorrect application of the financing, which has affected my financial capacity. It is important to highlight that the initial financing was agreed upon for 24 months, but it was ultimately set for 12 months, which has worsened the situation. I request that the necessary adjustments be made to the loan terms, both in the repayment period and the amounts, and that the amounts reflected in contracts XXXXXX/XX/1151, and invoicesXX/XX/3528, which justify the {$9400.00} used, be recognized.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and nelnet account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.