davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I have Sony Visa card serviced through Comenity Bank. Sony Visa card program is ending, and auspiciously coinciding with the program ending, Comenity Bank locked my account by putting my credit card to Account Protection so I was not able to use the credit card. I called multiple times to to resolve the issue, and each time redirected to different departments. When I was finally able to talk to a person, I was asked about a few personal details and I was told that the issue is being resolved and give it 4 to 6 weeks. Then I received a request for additional documentation which I provided via email, following the instruction by the letter they sent me and by the person whom I talked. I sent the required documents, four times altogether to two different email addresses. Each time, I called to verify and I was told to wait 4 to 6 weeks, and then, each time ( taking about 2 months ) they gave me different excuse as to why they did not receive the required document. Finally, I received a letter stating that the Account Protection Team is closing my account due to security concerns without specifying what concerns they may have had. This is coinciding with Sony Visa Card program ending, so this may be a malicious act by Comenity Bank to bypass California Consumer Protection Act. The mail notifying that Comenity Bank closed my account due to Account Protection team having concern does not include any reason other than that they had concerns. This is a clear violation of the law.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (AZ)

On XX/XX/2024 I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXXXXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the following account listed below is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted immediately.
Consumer complaint received 2024-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

My HELOC is interest only monthly payment loan. Shellpoint has taken over my account on XX/XX/XXXX and since doing so my payment from XXXX and XXXX have not been applied correctly. 

XX/XX/XXXX Interest/Payment due {$650.00} paid XX/XX/XXXXXXXX XXXX XXXX {$41.00} was never applied to my principle XX/XX/XXXX Interest/Payment due {$690.00} paid XX/XX/XXXXXXXX XXXX XXXXXXXX {$150.00} was never applied to my principle XX/XX/XXXX Interest/Payment due {$690.00} they are making me pay interest on a balance that should be from my prior payments {$190.00} lower I called the bank on XX/XX/XXXX and they stated the change will be correct in 10 days. I have called weekly since and now being told they don't know when this will be corrected. They will not change the amount do in XXXX yet demanding I pay the interest that is not correct.
Consumer complaint received 2024-08-19
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. (FL)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off evely month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-08-19
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. (IL)

I am reaching out for your help regarding the incorrect account reflected on my credit report. The harm to my reputation has been immense, and I need your immediate action. Your failure in handling my credit report has left me in a dire situation, as the incorrect details have tarnished my reputation. This must be resolved so I can focus on my family 's well-being.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX - The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

I spoke with national credit systems today I think her name was XXXX XXXX XXXX XXXXXX/XX/year> she was very sweet and she even notated the account. We went over the account where somebody applied for a place it looks like both had the same names but wrong DOB AND SOCIAL SHE TOLD ME SHE DONT KNOW WHY THEY WOULD PUT THIS ON MY CREDIT REPORT IF THE SOCIALS DIDNT MATCH. so she told me to put a inquiry in with XXXX and they would send it to them to remove.
Consumer complaint received 2024-09-10
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: Exeter Finance, LLC. (GA)

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from EXETER FINANCE LLCXXXX XXXX XX/XX/2024 Inquiry from XXXX XXXX  on XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/2024 I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BARCLAYS BANK DELAWARE (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
BRCLYSBANKDE XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

opened Citibank online checking account on XX/XX/2024 Funded by XXXX Checking account {$1500.00} for opening Citibank account deposit. 
Closed account by Citibank on XX/XX/2024 Holding my opening account deposit almost two months without any notices.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (WI)

My mother XXXX XXXX, and I, XXXX XXXX, were convinced by XXXX XXXX XXXX XXXX XXXX ( phone # XXXX XXXX ) to check our credit to see about getting a loan to place solar panels on my parent 's residence at XXXX XXXX XXXX XXXX in XXXX of XXXX with Solar Mosaic. This process started on XX/XX/XXXX and the loan became active on XX/XX/XXXX but took until XX/XX/XXXX to realize this loan was on my mother 's and I 's credit report and not taken off like we were told it would be by XXXX XXXX. The installation company for this loan is called XXXX XXXX. There was a partial payment included in the contract my mother missed at {$17000.00} released to the installing company. The loan named me ( XXXX XXXX XXXX as a co-borrower when I was told I'd not be responsible for payments at all. I was also under the assumption my father would replace me as co-borrower before payments were even due. A problem came up with electrical issues in the house, and XXXX told us the XXXX would be canceled and not a problem for us. XXXX XXXX then states they can not close the lone until my mother pays for a XXXX XXXX system that they were supposed to pay {$3000.00} for in my mother 's name for use later with the panels. The system is XXXX and the company that provided it would cost XXXX at most. Mosaic has been told this however, they state if XXXX XXXX does not get in touch and agree to close this loan it is a true and accurate loan. XXXX has not completed the panels. My mother and I need help, someone got money for no work and a loan is open on my and my mother 's credit for no reason, as we've asked this to be removed and canceled multiple times. The contract is so confusing that we didn't realize the full payment my parents would be paying is $ XXXX + for solar panels that were meant to save them money on energy costs ( as described in their pitch they were told they'd even be able to sell extra energy back to WE XXXX 's ) My mother is XXXX and I'm on my way there myself after a couple of XXXX and a XXXX diagnosis. We don't know what to do, my credit is taking hits and I can't afford to have a XXXX + loan out in my name that should never have been my responsibility in the first place. I was told on several occasions that this would be transferred to my dad 's name once his credit was high enough again.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I recently opened a Checking account with Chime on XXXX. I simply wanted to use their Checking account, so to my surprise, I received a CREDIT CARD in the mail today, XXXX. 

When I called Chime in panic, they said that by providing a Direct Deposit, I was automatically enrolled into their " Credit Builder '' credit card program. I NEVER consented to opening any credit card with Chime, secured or otherwise, and demanded that they not report their illegally opened card to any credit bureau. I am filing this complaint to : ( 1 ) make CFPB aware of Chime 's shady business practices regarding automatically opening CREDIT cards under their Checking account users ' names without their consent, and ( 2 ) Ensuring that these illegally opened credit cards are not reported to credit bureaus and negatively impacting my credit report.
Consumer complaint received 2024-09-10
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: The Aligned Company DBA Extra (CA)

This account on my consumer report from this buisness called XXXX was a prepaid card that was linked to my traditional bank account at XXXXXXXX XXXX  I disconnected it from my account after being alerted by XXXX XXXX that numerous withdrawals were being made by this card out if my account. When I contacted XXXX through online chat because that was the only way to reach them, they explained that it was to build up my overall credit by having higher spending limit to pull from. Again this was a prepaid card so they wanted me to prepay a XXXX deposit to be able to access spending points to earn merchandise they would allow you to choose from when you used their card. I immediately informed them that I was unlinking them from my bank account and to close this card and refund the {$200.00} they had already taken out of my account. They said to do that I would need to speak to another department and I would have to call instant message them the next day between XXXX. Which I never did I just put a restriction on them accessing any more funds from my XXXXXXXX XXXX account. Now I see on my consumer report that they have reported a late payment which very much hurts my overall score and is a derogatory mark on my public consumer file and I believe they did this with the intention to tarnish my public consumer standing with other consumer agencies. If you look at the documentation provided by the identity iq upload you will see that the last date of activity is recorded as XX/XX/XXXX but the 30 day late payment is XX/XX/XXXX and keep in mind this was a prepaid card there were no payments to made or any payments that could be counted as late. This is a malicious tactic to sabotage my consumer report standing.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I am writing to formally dispute the reporting practices of Credit Acceptance Corporation concerning an auto loan I obtained from them. I believe that Credit Acceptance Corporation has violated my rights under 15 U.S.C. 6802 and 15 U.S.C. 6801 by failing to properly inform me of my right to opt out of having this loan information reported to my consumer report. 

Under 15 U.S.C. 6801, financial institutions have a continuing obligation to respect a consumer 's privacy, and 15 U.S.C. 6802 grants consumers the right to opt out of having their information reported to credit bureaus. Credit Acceptance Corporation did not conspicuously inform me of this right to opt out before reporting the loan information to my consumer report. The lack of such notification constitutes a breach of their obligation under these statutes. 

I request that the CFPB investigate this matter and compel Credit Acceptance Corporation to provide evidence of their compliance with these privacy requirements. Specifically, I am seeking confirmation that they notified me of my right to opt out and that they provided this information in a clear and conspicuous manner. 

Additionally, I am serving this letter as both a formal complaint against Credit Acceptance Corporation and as a pre-arbitration notice. Should my consumer rights not be respected and this account is not removed from my credit report after being notified of these violations, I will proceed with arbitration to address these issues and seek appropriate remedies for the infringement of my rights. 

Please review this matter and provide guidance on the steps taken to resolve this dispute. I would appreciate a written response detailing the actions the CFPB will take to address my concerns. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
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: MoneyLion Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (WA)

Ive found some inaccurate and potentially fraudulent information on my credit report. Please remove this incorrect information as soon as possible. Im not sure how this happened or whos behind it, and I havent received any money, goods, or services related to it