davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (CA)

XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers.

I called Commonwealth XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
Commonwealth and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website XXXX XXXX XXXX which is very strange because in my last complaint they had another website XXXX XXXX XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. THis is Fraud. 
I'm pretty sure Commonwealth does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2018 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Unauthorized Charge and Unsatisfactory Customer Support from PayPal Credit Card Issued by Synchrony Bank What Happened? 

On XXXX I noticed a charge of {$390.00} on my PayPal credit card, labeled as a " Payment Correction. '' Upon contacting customer support, I was subjected to a series of transfers between departments, disconnects, and misinformation that have left me deeply unsatisfied and concerned about the handling of my account. 

Dates, Amounts, and Actions : XXXX : Discovered the unauthorized charge of {$390.00} on XXXX, labeled as " Payment Correction. '' Multiple Dates : Contacted customer support regarding the claim multiple times, resulting in : - Being hung up on by different departments. 
- Misinformation regarding the nature of the charge, including being told it was related to a balance transfer or a previous payment dispute claim that had already been resolved on XXXX 
- Lack of access to past payments due to a system upgrade, causing further confusion. 

Based on a letter received by the company on XXXX XXXX XXXX XXXX Original payment dispute claim was made for the amount of XXXX XXXX : Claim denied and was charged for the dispute reversal at the same time, leading to confusion regarding the new " Payment Correction '' charge on XXXX  as this is a duplicate charge. 

My Words : I feel utterly betrayed and ignored by PayPal Credit Card and Synchrony Bank 's support team. I approached them in good faith, expecting clarification and assistance with a mysterious charge. Instead, I was subjected to a nightmare of transfers, misinformation, and abrupt hang-ups. The confusion between a 'balance transfer ' and 'payment correction, ' the inability to access previous payment records, and the consistent failure to provide clear answers has left me not only out of pocket but deeply frustrated and distressed. The charge, described as a 'payment correction, ' was tied to a previous payment dispute claim that was already resolved nearly a year ago. The lack of coordination and compassion displayed by their support team was a disheartening experience that seemed designed to wear me down rather than help me. I am seeking the CFPB 's intervention to not only correct this financial mistake but to ensure that no one else has to endure such an infuriating and disheartening experience.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My account was taking over from fraud for about two years now and I have been calling all of this time I sent in documents and police reports for the last two years and BofA is still telling me pending XXXX XXXX dollars they know the problem but just choose to give me the run around and each time I call Im being told something different!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear XXXX XXXX XXXX, I am writing regarding the credit inquiry that appears on my credit report in connection with my recent automobile financing application with your dealership on XX/XX/year>. It has come to my attention that your dealership is not registered to conduct business in the state of North Carolina. This is a serious issue, as the lack of proper registration means that your dealership is not authorized to offer or conduct financing transactions in this state. Under **North Carolina General Statutes ( NCGS ) Chapter 55**, businesses must be properly registered and in good standing to engage in transactions with North Carolina residents .

Despite this, a credit inquiry from your dealership remains on my credit report, indicating proof of an approved account. Also I received a correspondence from Capital One Auto Finance. That the application was approved I never received an offer, nor any response from your dealership. Except marketing emails. Despite trying several times to contact someone from your finance department. Furthermore, I was denied access to the credit applied for, with out explanation which raises concerns under the Consumer Financial Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). This inquiry, which suggests an open account, misrepresents my creditworthiness and fails to acknowledge my rights as a consumer.

Furthermore, your companys actions could potentially violate the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) by taking adverse action against me for exercising my rights under consumer protection law. This type of discrimination in any aspect of a credit transaction is unacceptable and, as such, requires immediate rectification.

Additionally, the Truth in Lending Act ( TILA ) ( 12 C.F.R. 226.4 ) mandates that all costs associated with financing, including any down payment, must be clearly disclosed and included in the total finance charges. By presenting the down payment as a separate transaction, your dealership has misled me regarding the actual costs of financing. This practice not only contravenes federal law but also results in financial harm to me as a consumer.

As a result of these actions, I request that the inquiry be removed from my credit report, and that my security interest along with a copy of the application be returned immediately. If I do not receive a satisfactory response and see the removal of the inquiry within 10 days, I will pursue legal action under both the FCRA and applicable North Carolina state law. I am prepared to seek compensation for damages incurred as a result of this improper reporting and your lack of registration to operate in North Carolina.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

In being very careful not to duplicate a complaint, this complaint is about a Specific issue and Need. This complaint is against Wells Fargo Bank, relevant to not following through with what they say they will do. This is a formal request to Wells Fargo, as requests by phone are not complied nor followed through. I am formally requesting any account with Wells Fargo in my name to IMMEDIATELY BE CLOSED AND A CASHIER 'S CHECK SENT TO MY HOME ADDRESS IN WHICH THE ACCOUNT WAS OPENED IN -- -- ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX. 
XXXX GEORGIA XXXX I have only opened a Checking account and a Savings with Wells Fargo. Yet upon a recent answer to a CFPB complaint by Wells Fargo, there were ( 5 ) accounts listed. Question is : who opened these other accounts in my name?? There is nothing with Wells Fargo that surprises me. Who authorized these other accounts to be opened in my name?? Accounts were to be closed on XX/XX/2023 by XXXX with the XXXX XXXX. She confirmed account closure, with a Cashier 's Check being mailed to my home address. Apparently, she didn't follow through, and these accounts remain open with ONGOING FRAUDULENT ACTIVITY!!!
Consumer complaint received 2023-08-08
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. (NV)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (VA)

Received email on XX/XX/XXXX at XXXX XXXX  stating I opened a Chime account. I have not opened a Chime account and believe whomever is living in my old apartment used my information from old mail sent there. I reached out to Chime to cancel the account, but have not had a response, and now the card has shipped, been activated and transfered {$160.00}. 

Bank accounts shouldn't be transparent when opening a new account and need verification of identity, instead of people using any info they can get to get a {$100.00} for opening a new account and {$200.00} for recommending. 

Address listed : XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX ( a previous address of mine ) Name listed for transfer : XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am the Executor of the XXXX XXXX XXXX XXXX XXXX, and repaying any debt is not beneficial based on a careful consideration of various factors. Firstly, the etymology of the word " repayment, '' which implies paying again. It is not beneficial for the trust in repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Furthermore the reports associated with XXXX XXXX XXXX are inaccurate as the Trust is the original creditor. Which is PRIVATE TRUST PROPERTY. 
Now lets look at the word credit which means trust. Now lets look at the word report which means property. XXXX XXXX XXXX credit report is a trust report which is again PRIVATE TRUST PROPERTY ( XXXX XXXX ). Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment.

Furthermore, Equity regards the Trust as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, The Name, Address, and Credit Report, are private property of the living trust, You have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Due to Unauthorized use and profiting from the private property of the XXXX XXXX XXXX XXXX XXXX establishes a constructive trust, you are now appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate. Your responsibilities include the following actions : Correction of records : Reflect that all payments are current, with no late or missed payments, and maintain the consumer credit score of XXXX XXXX XXXX at XXXX in prefect standing. Remove closed accounts with specified entities. 
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 XXXX XXXX XXXX Removal of inquires : Remove any and all hard inquires including but not limited to : [ XXXX XXXX ]
Consumer complaint received 2023-08-08
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. (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.

The letters are stated with items and issues.

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 2023-08-08
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: Experian Information Solutions Inc. (FL)

Account XXXX BANK XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (MD)

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX XXXX XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Along with vehicle type, make or model and/or purpose not eligible for financing as my employment is an independent contractor for XXXX XXXX. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX  and committed for a XXXX XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!
Consumer complaint received 2023-08-09
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: CITIBANK, N.A. (IL)

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative. Please repair this account ASAP.