davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
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. (FL)

in accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. 


1.XXXX  # XXXX, has violated my rights. 
I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 

According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2024-06-23
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. (KY)

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 a number of items on the report that are inaccurate. 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 reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year>, {$90.00} was withdrawn from my SOFI checking account at an ATM at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. I was not in XXXX XXXX on or around this date and did not make this withdrawal. I live in XXXX XXXX and was there with my SOFI debit card on XX/XX/year>. I can corroborate this with a credit card statement showing a local XXXX XXXX XXXX purchase on XX/XX/year> as well as via my Maps Activity feature in the XXXX XXXX  app showing trips around XXXX XXXX on XX/XX/year>. 

I disputed the withdrawal on XX/XX/year>. On XX/XX/year>, I was given a provisional credit of {$90.00} while SOFI investigated the dispute. On XX/XX/year>, SOFI told me that my claim was denied and that they would be deducting the {$90.00} provisional credit from my account. On XX/XX/year>, they deducted the funds from my account.
Consumer complaint received 2024-07-11
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. (NJ)

Recently, I reviewed a copy of my credit report and noticed several inaccuracies in my account. These inaccuracies are negatively affecting my ability to obtain credit. 

I understand that you will investigate these items to ensure their accuracy. 

Please verify the following item for accuracy : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am writing to express my concern regarding the lack of visibility for specific fees associated with my account and banking services, particularly the fee for cashiers checks. 

I recently needed to request a cashiers check and was informed by the teller it was a {$10.00} fee or a {$2.00} money order fee. While I said Yes to the money order fee, I asked if this was on all accounts and was told on most accounts other than the higher-end banking accounts ; I am guessing these types of accounts don't have these fees because they have large sums of money. It seems odd that middle- and lower-income customers face fees while higher-income banking customers do not. 

Upon leaving, I did a simple XXXX search to locate this Cashier 's Check fee at Fifth Third, but I could not find any information via the XXXX site that would show me a list of banking service fees. It would be beneficial to have a comprehensive list of all banking service fees readily accessible. Transparency in these matters is crucial for effective financial planning, and I believe it would significantly enhance the customer experience.
Consumer complaint received 2024-09-25
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. (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. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Debt validation was requested and was never received. 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 an 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

RE : Complaint Regarding Unresolved Equifax Data Breach Settlement Claim Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the ongoing and unjustified delays in processing my claim for compensation related to the XXXX Equifax data breach. Despite following all necessary procedures, including providing updated personal information that verifies my eligibility, Equifax has failed to resolve my claim or provide any clear timeline for compensation. 

Summary of Events : 1 ) XXXX : I was a victim of the Equifax data breach. 

XXXX ) XX/XX/XXXX : I filed a claim for out-of-pocket losses and time spent as part of the class action settlement. 

XXXX ) Equifax 's Responses : Over the past year, I have received vague responses from Equifax stating that they can not locate my records and can not provide a timeline for reviewing my appeal. After providing my updated surname and the last six digits of my Social Security Numberinformation that should have confirmed my eligibilityEquifax continues to stall without explanation. 

Despite my compliance with every request for additional information, Equifax has delayed issuing the compensation I am entitled to under the settlement. Their inability or unwillingness to resolve my claim in a timely manner is not only causing financial hardship but also exacerbating the emotional distress I have suffered as a result of the original data breach.
Consumer complaint received 2024-07-11
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. (PA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

RE : Complaint Regarding Unresolved Equifax Data Breach Settlement Claim Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the ongoing and unjustified delays in processing my claim for compensation related to the XXXX Equifax data breach. Despite following all necessary procedures, including providing updated personal information that verifies my eligibility, Equifax has failed to resolve my claim or provide any clear timeline for compensation. 

Summary of Events : XXXX ) XXXX : I was a victim of the Equifax data breach. 

XXXX ) XX/XX/XXXX : I filed a claim for out-of-pocket losses and time spent as part of the class action settlement. 

XXXX ) Equifax 's Responses : Over the past year, I have received vague responses from Equifax stating that they can not locate my records and can not provide a timeline for reviewing my appeal. After providing my updated surname and the last XXXX digits of my Social Security Numberinformation that should have confirmed my eligibilityEquifax continues to stall without explanation. 

Despite my compliance with every request for additional information, Equifax has delayed issuing the compensation I am entitled to under the settlement. Their inability or unwillingness to resolve my claim in a timely manner is not only causing financial hardship but also exacerbating the emotional distress I have suffered as a result of the original data breach.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

This morning, XX/XX/XXXX, at XXXX I received a text from Experian about my XXXX XXXX digital checking account. I do not have a XXXX XXXX  Checking account, or any banking accounts with Experian. I do have an account with them to monitor my credit, and to freeze my account- which I had done recently on XX/XX/XXXX. 
I also then noticed that at XXXX I got an email from Experian that my account information was changed. I tried to login to my account and reset my password and phone and text verification were never sent to my phone. When I clicked " forgot username '' it shows a partial email address that does not match my email address, and does not look like one that was ever mine. Someone hijacked my Experian account somehow. I immediately emailed the customer support email address, which got no response, so I have tried calling every Experian number I could find and going through their automated phone trees. Their phone bots appear to have absolutely no way to get to a human being, the end of every tree ends with instructions on how to do something online, or by mail. My account is seemingly actively being stolen right now and I can not speak to someone at Experian to stop it.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TX)

I used a atm and didnt receive my cash I filed a dispute with my bank and my claim was denied even though I provided the necessary evidence to support my claims my bank refused to give me my money back even though a error definitely occurred they failed to reinverse me XXXX chime is a horrible bank
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

My name is XXXX  XXXX. I had contacted the website XXXX to buy one of their dogs. They have a legit website, testimonials, everything to look real. The cost of shipping was included with the dog. Total cost XXXX dollars (XXXX through XXXX and XXXX to the delivery driver). So my friend actually sent my money with her XXXX   app since my bank doesn't support it (Her name is XXXX  XXXX). She banks through Wells Fargo. The email for the recipient for XXXX  was XXXX (so his name is XXXX XXXX??). After I sent the money I typed in the web address of the dog adoption site and it showed up on XXXX.  The seller denied fraudulent claims. After a few text I've heard nothing. It was obviously a scam, and scammers love XXXX  apparently because there is no fraud protection. The number (which is never answered) is XXXX. So I don't know if there is anything that can be done. Also if my friend XXXX  needs to file anything?  She did contact Wells Fargo shortly after sending the money. Probably won't get anywhere with that.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I received a TD Retail Card for XXXX. I never actually received a card but got credit to buy a watch from XXXX. I could never get online, I mostly paid by phone, one time I did spend the incredible amount of time on hold and finally someone answered and i got online, reset my password and the following month it didn't work again. I thought i had paid it off, but apparently had a small balance i think like {$29.00} and the late fees added up to about {$150.00} or something very ridiculous. I called and paid it and the lady said another {$40.00} late fee was going to hit the next day, but she could waive one and would waive that one. She had to wait for it to hit the system the next day. Here we are a month later I get notified i have a {$40.00} balance, tried to get online -- nope -- tried to call last night. I have screen shots, I spent an hour and 45 minutes on hold. Kinda like i am right now while i type this. Customer service was only open until XXXX -- -that was the hour and 45 minutes, and I hung up at XXXXXXXX XXXX You can't get online, and you can't get anyone on the phone. They have now added another {$29.00} to the account.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (OK)

I am filing this complaint regarding an incorrect and unfair debt listed on my credit profile by NCB Management Services. I have no knowledge of this account, and it appears to have been inaccurately reported. The balance of {$2700.00} is unreasonably high and not something I have agreed to or can confirm. Despite disputing this with the creditor, they have not provided any valid documentation to substantiate the debt. This situation has negatively impacted my credit report, causing unnecessary stress and financial hardship. I kindly request a thorough investigation into this matter and the removal of this derogatory mark from my credit profile. I seek fair and accurate reporting as mandated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-09-25
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: 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.

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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Unfortunately in XXXX until XXXX of 2023 on XXXX, XXXX & XXXX I was 30, 60 and 90 days late. I took advantage of our relationship & failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was dealing with my mother death from XXXX which I had to move back to my home state while trying to balance being a single parent of a XXXX & XXXX year old, while taking night classes to fulfill one of my long standing career goals of gaining my college degree. Now that Ive found a prosperous balance in my life, I honestly can not associate with the person that let this payment obligation go unattended. I fully respect my obligations with Navy Federal Credit Union & have worked diligently to amend my relationship with you by regaining your trust. A brief look at my account will reveal I have successfully paid off my account since my unfortunate circumstances. 


Ive recently begun searching for a new financially rewarding career in business, & it has come to my attention that because of my late payments with Navy Federal Credit Union, Im being rejected careers in my field. As you may know, FICO scores are being used more & more in the selection of prospective job applicants. 


In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by removing the LATE PAYMENTS that are reporting with XXXX, XXXX, & XXXX. I sincerely hope that Navy Federal Credit Union believes in their customers & I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time & look forward to receiving a favorable decision from your department soon.
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC (TX)

I took out a title loan with Reprise Financial, on XX/XX/XXXX loan number # XXXX using my fully paid-off XXXX XXXX XXXX XXXX as collateral. My credit score is over XXXX, and I was constantly contacted by Reprise Financials representatives, who made the process seem straightforward and beneficial. However, once the loan was finalized, I was shocked to discover that the interest rate was set at an exorbitant XXXX %. 

At no point during these frequent contacts was I made fully aware of how high this interest rate would be, which makes me feel that I was deliberately misled and taken advantage of. My vehicle, which I had already paid off, was essentially used against me in this situation, trapping me in a loan with predatory terms that I never would have agreed to had the details been transparently disclosed. 

To make matters worse, I requested a copy of my contract on XX/XX/XXXX to verify the terms, but as of XX/XX/XXXX, I have not received it. The lack of transparency and failure to provide me with this critical document further reinforces my belief that I was unfairly exploited in this process. 

I am seeking an immediate reevaluation of the loan terms to reflect a fair interest rate and the prompt delivery of my loan contract.