davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I earned a kohl 's cash couban on a previous purchase. The Kohl 's cash coupons are stored on my account online for future use. I check my account this morning and I had a {$20.00} Kohl 's coupon that I earn from a previous purchase and later this evening the coupon. Was showing as redeemed. I immediately contacted their customer service number via chat online. And they said the coupon had been redeemed at a store in the state of Iowa and I live in the state of XXXX. The associates said there is nothing they can do to help me. Gave me XXXX incorrect phone numbers of XXXX other departments that have nothing to do with this XXXX. 
It appears that the company does not have sufficient security measures to prevent people from fraudulently use. Other customers earned coupons.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NV)

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 U.S. Code 6802. Nelnet : # Account : XXXX, has violated my rights. 15 U.S. Code 6802. states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In previous communication with Nelnet I was instructed that " Enclosed is a copy EDs privacy notice which states that, for everyday business purposes- such as to process your transactions, maintain your account ( s ), respond to court orders and legal investigations, or report to credit bureaus, we do share your information and YOU MAY NOT OPT-OUT OF THS SHARING. '' This is clearly a violation of 15 U.S. Code 6802. B, I was not given the option to direct my information not disclosed furthermore I was not given an clear explanation how to exercise my nondisclosure option. I have attached their response and highlighted the violation This negative reporting has caused tremendous hardhship on myself and business. The negative reporting has caused me to be discriminated against due to credit worthiness and had adverse effects quality of Life. I am demanding this account be removed from consumer report immediately. In the event this matter is not resolved I will be forced to escalate this process and file a complaint against Nelnet and their Trustee with the FTC.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

As of XXXX XXXX, XXXX  I have not been able to get the credit card companies to correct my address and phone number on my account. Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful non compliance. The address are where I do not live are : 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 XXXX  XXXX The phone number are : { XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX I don't know who these numbers belong to so I am asking them to delete them.
Consumer complaint received 2024-01-24
Product: Credit 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: DISCOVER BANK (MA)

On XX/XX/year> disputes were initiated for XXXX charges. On XX/XX/year> I requested that these XXXX disputes be closed and the money returned to the merchant. The merchant reports the funds have not yet been returned to his account and threatens legal action unless I send him a check for those amounts.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/year>, XXXX exact transactions of the same amount were transfered from my checking account to a bank in XXXX. I called wells fargo that day to report the claim, canceled my card and they still authorized the money transfers XXXX days later, even through the card was deactivated. I Contacted wells fargo a month later and they denied the claim. I did not authorize these transfers, my debit card information was stolen off a website we assume. Wells Fargo claims I authorized these but its very obvious that it was fraud to the account.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to officially bring to your attention an incident of identity theft that has recently come to my notice. Following a thorough examination of my credit report, I identified numerous unauthorized accounts and inquiries that were not initiated by me. I want to emphasize that I did not apply for these accounts, leaving me certain that I am a victim of identity theft. 

In response to this alarming situation, I have taken decisive steps to rectify the issue. I have filed a comprehensive police report outlining the details of the identity theft and promptly reported the incident to the Federal Trade Commission. I am reaching out to you as an essential part of my effort to address this matter urgently. 

I kindly request that you initiate a swift investigation into the fraudulent entries on my credit report. Once identified, please take immediate action to remove these unauthorized accounts. I seek your assurance that this correction will be promptly confirmed and communicated to me in writing. 

Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving this identity theft incident efficiently. 

Thank you for your prompt consideration.
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NerdWallet, Inc. (AL)

Around the 2nd week of XX/XX/2024, I inquired online about a loan with Fundera by NerdWallet. A representative by the name of XXXX XXXX responded. We spoke about possible options of funding for my particular needs. After several conversations and supplying confidential financial documents, I decided that Fundera was not the right company for me. I also communicated with Representative XXXX XXXX that his options were not acceptable ( XX/XX/2024 ). At this point, I ceased communication with Fundera. 

The following week on XX/XX/2024, I received a email and call from XXXX XXXX at XXXX XXXX XXXX and another company stating that XXXX XXXX has passed along all my confidential information to other financial companies without my permission. One of the reasons that I ceased communication with XXXX is because his presentations seem more like a scam. I do not want him passing my information on to other contacts that may have the same type of questionable conduct. It appears that my instinct was correct with XXXX at Fundera and now I am concerned about who is holding my confidential information that was not authorized for XXXX to pass along.
Consumer complaint received 2024-01-26
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)

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/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (FL)

XXXX XXXX XXXX Account:XXXX NATIONAL CREDIT ADJUST Account : XXXX These companies registered their name with the CFPB multiple times under multiple names to avoid accountability and confuse consumers. Im tired of yall manipulating me. 
15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: The CMI Group, Inc. (TX)

Credit Management LP has bought this debt ( XXXX XXXX XXXX ) for the sum of {$310.00} from XXXX XXXX XXXX XXXX which was removed by XXXX XXXX I am a victim of identity theft and would like it removed as soon as possible, This item is constantly resold to different collection agencies. I have provided a police report to them, a written affidavit of identity theft, an FTC affidavit, a bank statement to verify address, social security number, and, driver 's license. and they will not remove it.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (LA)

I recently checked my credit reports XXXX, XXXX, and XXXX and noticed a collection account from Spring Oaks Capital # XXXX that's demaging my credit reputation. I have no knowledge of Agreements for these accounts It is illegal for them to continue to collect these debts. 
I'm not saying it's fraud or identify theft I'm not saying it's not fraud or identify theft. I have no information or knowledge about these debts soI would like themy to send these debts back to the original creditor. I don't even know if what they saying I owe is even correct. I don't know anything about these debts.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flexible Finance, Inc. (TX)

I noticed a balance of a little over {$500.00} report negatively on my credit report. I then researched the company & reached out to get validation of the debt. The company sent me a statement that showed that all balances were settled in XXXX & that I didn't owe a balance. I then wrote the company back & informed them that I would like my credit reporting updated with the correct information. showing that I didn't have a balance owed to them. The account is still showing on my report is an outstanding balance and I'm in the process of trying to get a home and this account is hindering the process. I would like this account deleted from my credit report.
Consumer complaint received 2024-01-25
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. (FL)

Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX and XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX XXXXo ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (NY)

In XXXX or XX/XX/2023, my company helped me to opened an XXXX XXXX account in Optumbank, and I also has {$1300.00} deposited into this account, but I can never login into this account, whatever the device I use, when I tried to login I always get the error message : " Our records indicate you don't have access to optumbank.com. If you think you are getting this message in error, please call XXXX, During business hours with any website or technical questions or issues. '' I called the customer service of Optumbank many times and they always say they will report my problem, but my problem is never solved and I never get called back, so I can never use the money in my XXXX account. I really need the money in this account to cover my health spending bill.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Date of Payment Processing Error : The late payments were reported incorrectly due to a processing delay by XXXX  XXXX that resulted in the payment being recorded late, even though the payment was initiated on time. 
Inconsistent Reporting Across Bureaus : The payment dates and statuses reported by TransUnion, XXXX, and XXXX are inconsistent, further indicating a discrepancy in the handling of my account information. 
Evidence provided : Bank statements showing payment initiation dates. 
Payment confirmations from XXXX  XXXX showing on-time payments. 
Correspondence with XXXX  XXXX acknowledging the payment processing delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (GA)

Subject : Notice of Equitable Interest in Trust Account Dear [ XXXX, Equifax, and XXXX ], and its agents and trustees, Greetings, I hope this letter finds you well. I am writing to you as the beneficiary of XXXX XXXX XXXX XXXX XXXX. I am asserting my equitable title and interest for the account of XXXX XXXX. It appears that you are in possession of my property ( XXXX XXXX credit ( trust ) report ( estate ) ), while you may possibly have legal title, I am aware that the equitable title and interest supersedes that. Being in possession of my property means that you are a trustee and we are in agreement to merge as one. I will attach the agreement between us, which has also been filed publicly to hold you to the trustee role. Thank you for continuously holding my property and being a part of the team. If you disagree with this, release and return my property ( the account ), back to the original trustee who was handling business in my best interest. As trustee I requested you stop reporting any adverse reporting to my trust report. XXXX is centered around fairness and equality. XXXX does not punish. Reporting adverse actions is punishment. XXXX regards the beneficiary as the true owner, and the credit report you are furnishing to credit reporting agencies is my trust report, part of my estate. Everything is trust. Everything is an agreement and if anything has my name on it thats a legal title of my estate. Since you are furnishing this information that makes you the trustee, I request that you uphold your duties and settle the obligations to this trust. Thank you for your attention to this matter. I anticipate your prompt and cooperative response. Sincerely, [ XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved