davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports Section 15 USC 1681A Late Payments Are Illegal!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

These accounts are fraudulent and identity theft and need removal 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
Consumer complaint received 2023-03-22
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. (CA)

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

Account name : # XXXX 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 2023-11-11
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (AZ)

full beauty comenity aka bread financial.

I had already submitted a compliant they responded but yet they sent a message thru to my full beauty  account they were suspending my account due to the previous issue then they decreased my credit limit by XXXX wth. they aren't doing what they said they were doing this us crazy
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

To Whom It May Concern : XXXX XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX Account Number XXXX : XXXX RE : Jefferson Capital System I have sent numerous letters to the credit bureaus advising them I do not have a contract with Jefferson Capital System, and I have asked them repeatedly to produce a contract with this collection agency showing I owe this debt to them, but to date, they have not produced a contract. 

On XXXX, XX/XX/, I was contacted by an agent from Jefferson Capital System stating they are a debt collecting agency and I owe them for a contract I had with XXXX XXXX. 

I advised the caller I did not owe Jefferson Capital System anything as they had not produced the contract for services rendered. 

On XXXX, XX/XX/, I received an alert from my credit reporting subscription where Jefferson Capital System increased the amount of the collection. 

I believe this updated report was done with malicious intent causing my credit score to be lowered. 

I have filed a complaint with the XXXX XXXX XXXX to report their malicious and unethical practices. 

I am not liable for this debt with Jefferson Captial System as I do not have a contract with them as they have not provided me with the original contract as I requested.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

During periods of XX/XX/2019 - XX/XX/2019, Wells Fargo reported me late on mortgage payments. Upon several requests to change the address for mailing statements ( reasons below ), they refused to update it since it was a joint account. I am the responsible party to make payment but they would not work with me. 

Reasons : I was in process of divorce and NC laws require a couple to be separated for period of one year before divorce can be filed in the district court. I am attaching divorce decree to show the dates of separation and final divorce. 

Wells Fargo could have helped me with updating the address and send me statements so I would not be late on my payments. 

I am attaching my 3 Bureau Credit Report that shows delinquency reported on pages 180,181
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (NC)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a ; ate payments. They have not supplied this information and they must delete the alleged late payments on my credit report they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 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. Code 1681a - Definitions ; rules of constructions - Exclusions.- Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Care credit account opened in XX/XX/XXXX, I have made payments totaling just over {$2000.00} and I have only paid down my balance by just under {$400.00}. I was enrolled in a credit protection program that I did not authorize which was charging me {$52.00} per month. In XXXX of XXXX my available balance to use was just under {$500.00} and by the time I needed to use it, less than one month later my available balance to use was {$97.00}. ALL of the money I have paid towards this debt has been erased by fees and interest charges
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-03-22
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. (TN)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate 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
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I had a small issue with my bank and my car payments made to wellsfargo were refunded to me over a three month period. Wellsfargo reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. Wellsfargo then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.
Consumer complaint received 2023-10-23
Product: Prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO. (MO)

I Signed up for a XXXX XXXX through the XXXX XXXX for an offer that said if I was approved I would instantly get an XXXX gift card for {$150.00}. I did not get a gift card after signing up. 

Called Chase Bank on XX/XX/23 and spoke with card services to confirm my XXXX XXXX was approved. They said I was approved and that XXXX is responsible for giving me the gift card. 
Called Chase Bank on XX/XX/23 and talked to XXXX because XXXX said Chase is responsible for giving me the card. She said to talk to card services. I asked for her to stay on the line to explain the issue to the next person. She said okay, but when I was transferred she dropped from the call. 
Was told that XXXX was Responsible for giving me gift card. 

Called Chase Bank again on XX/XX/23 with an XXXX XXXX. Was told that my application was approved that day and could take 1-3 days to get my card. I asked why because the advertised time is instantly. She said she would transfer to an XXXX XXXX Chase expert. The hung up while the call was transferred leaving me and the XXXX XXXX alone on the call and didnt not call me back even though they had my call back number. 

Called Chase Bank again on XX/XX/23 and talked to manager XXXX and she said they would do an investigation on why I didnt get my gift card, but it would take 1 week. She did not say I would get a gift card, but they would look into why I didnt receive it.
Consumer complaint received 2023-10-23
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. (MA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-10-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company (CA)

I am widowed. My husband held the loan and we both held the deed. The contract for the FHA loan on our house says that as his widow, living in our home I can assume the loan without having to provide financial evidence that I can afford the payments ( which I can afford. ) My husband died from XXXX in XXXX, after putting the loan into a XXXX forbearance. When that forbearance ended in XXXX, I contacted Freedom to get the payments that had been in forbearance placed into a partial claim, as permitted by the XXXX forbearance program and to move the loan to my name. 

Initially I was told that that wasnt a problem and that the assumption and partial claim could all be started then. I provided the documents they requested and waited for them to complete their process, which I was told would take weeks. 

When I received additional requests for the documents I had already provided, I provided them again and I was assured by Freedom that they were working on everything. 

Instead of getting the requested assumption and partial claim, I got a foreclosure notice. This happened when I was supposed to be giving them time to process everything. 

I am now over a year into fighting with Freedom to get the loan in my name and the partial claim established. During that time they have refused to allow me to make payments so the amount past due has grown. 

They have twice offered a partial claim only to rescind that offer. The first time they refused to process the notarized contract because it arrived too late. ( They had said theyd call and set up the notary and never did. I ultimately paid for it out of pocket and returned the packet. ) The second time they said Id get the packet for the partial claim they never sent it. They canceled the process without notifying me. 

They have listed my house auction, despite me trying to work with them and the numerous times they have failed to follow through on what they promised. I have had to resend documents numerous times because they didnt see them in their system, they asked for the wrong document, or they gave me an outdated form to complete. 

They ultimately told me that I had to file financial documents proving I can afford the loan ( despite the contract saying otherwise ) and are now refusing to facilitate the COVID related partial claim ( because my husband is XXXX XXXX XXXX - I was told that had he lived, the partial claim wouldnt be an issue. ) I was also told that since the loan is past due, I am not entitled to assume the loan under the terms of the contract. 

I provided the documentation they requested and they are now again saying I have failed to provide the requested documents ( because the SSA proof of payouts for my children doesnt explicitly say XXXX benefits. ) They again have my house actively scheduled for auction despite me actively trying to complete their ever changing loss mitigation process.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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 ( Original Creditor 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 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 2023-10-23
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)

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Section2. It also States consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello, After accessing my credit report from all 3 credit bureaus, I am upset to find several hard inquiries that I never inquired about nor gave my information to run these credit checks. The information for the inquiries is 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 XXXX XXXX XXXX Capital One Auto Finance 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Many of these inquiries were done on the same day or same time and it looks like someone was trying to take out a car loan or personal loan in my name. I did NOT give my permission to any of these companies to run my credit and these were done fraudulantely without my consent.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX, account # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To whom it may concern this is reference to an auto loan I applied for and was denied my right of credit. After getting denied I researched the Truth and Lending Act, I've learned of my rights and tis complaint is not make me out as being difficult or troublesome, and while im not disagreeing with you companies decision. 

My goal of this complaint is be treated fairly and not discriminated against while exercising my right credit in good faith. Reading over your adverse letter shows me that your company used my credit report to make your decision and that very unfortunate, because there is no law that says I have to abide by the credit score or those transactions needs to be reported on my behalf, because the CFPB states credit reporting is optional. 

So no matter what your company policies are it does not supersede Federal law. What was done to me is direct violation of federal law under the Truth and Lending Act and my rights under this ACT pursuant to 15 USC 1602 ( f ) tells me credit is my right how can you company deny me my right. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without my authority and I received no benefit. Your company discriminated against me by denying according to the Equal Credit opportunity ACT 15 USC 1691 ( a ) ( 3 ) makes XXXX clear that I can not be desciminated for exercising my rights. Now I would hate for this situation to escalate to something bigger. Please see attachment where CFPB publication back up my claim
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair Credit Billing Act ( FCBA ) in relation to a dispute that I filed with the company. Specifically, I submitted a dispute to Wells Fargo on XXXX/XXXX/22 regarding a charge on my credit card account. After an extended investigation period, the dispute was closed on XXXX/XXXX/22, and the charges were re-applied to my account without proper resolution of the dispute. 

I believe that Wells Fargo violated the FCBA by failing to properly investigate and resolve my dispute within the required timeframe of 90 days. Furthermore, by re-applying the charges to my account without proper resolution of the dispute, Wells Fargo has potentially violated my rights as a consumer. 

I have attempted to contact Wells Fargo to seek an explanation for their actions, but have not received a satisfactory response. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that Wells Fargo complies with all applicable consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX