davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (GA)

I, Person 1, called in today and requested the fax number to send the form in tht they requested. we are adding my credentials to my credit card. There is a person with the same name and DOB. We have been having trouble getting a credit card mailed to me adding Miss and my credentials of XXXX. The supervisor XXXX, insisted after giving her my information that I needed to log into my account. The problem is that I have never had and will never have an online account. I have told them every time if there is ever an online account on me it is fraud. They obviously still have me merged with XXXX XXXX, person XXXX XXXX from Florida. I gave her my complete social and the last XXXX digits of my credit card and she stated that they could not find my account. I gave her my information which includes both of my phone numbers, and one that I added XXXX The only email on my account belongs to the fraud department to ensure that no one tries to merge me with XXXX XXXX from Florida who lives at XXXX XXXX XXXX XXXX XXXX, Florida. XXXX from XXXX opened a couple of my accounts. Please make sure she is involved as she knows who I am. I am concerned now especially with taxes as they may have sent my information to XXXX XXXX in Florida in the past when I did not receive my mail from one of my accounts for more than a year and dont want tax liabilities due to the person misidentification. My account ends in XXXX and my social seems to be merged with hers. The supervisor from TX hung up on me after telling her that I was filing a complaint. I gave XXXX my entire social security number and she couldnt find my accounts. She also refused to provide specifically who they used for my account. I also have a savings or checking too. I opened my account in GA and XXXX credit card was opened in TN many years ago. I also believe that someone merged my po box and cell phone phone to her account. XXXX XXXX 's office is invlolved so if they need to reach out ot his office they can too and ask for XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX, I applied online for a Sams Master Business Card, providing only my business information, excluding any personal details beyond my name and the phone number associated with my business. I expressly prohibited the use of any personal information in the issuance of this business credit card, which had a limit of {$20000.00}. Despite this clear directive, the underwriter deceitfully accessed my personal credit information by circumventing the system and using my name and phone number. He acknowledged that my social security number was not provided and yet proceeded to run a personal credit check based solely on my name and phone number, in direct violation of my instructions. 

This unauthorized action resulted in adverse consequences : my application for the business credit card was denied, and my personal credit report was subjected to a hard inquiry, leading to a XXXX decline in my credit score. Furthermore, a customer service representative later confirmed that, as this was a business credit card application, only my EIN and DUNS number should have been used, not my personal information. 

The actions of your underwriter and customer service representative constitute a clear violation of my rights under applicable laws governing the use of personal credit information.
Consumer complaint received 2023-09-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

On XX/XX/XXXX  was the first and last time Hunter Warfield contacted me via email about a debt they claim I owe, I replied on that same day and told them I dont owe the debt nor know about it, when I told them that I never hear from them again. However, XXXX XXXX when I refresh my credit report, I see Hunter Warfield on my XXXX, XXXX and XXXX credit report under collections out of no where ; after 4 months of no communication. I contact them via email to provide me proofs that I gave them authorization to access my file because that is illegal for someone to authorize/ put inquiries on my file without permission they later then ignored my email. All in all I dont owe the debt
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

I, XXXX XXXX, DID NOT AUTHORIZE WYNDHAM TO CHARGE {$22000.00} to this account, and I have asked Barclay 's to charge it back to Wyndham as fraud. I have asked Barclays to show me my signature authorizing this transaction and they have failed to do so. Their failure to provide me with the information I have requested has prompted me to also contact the CFPB with my concerns.

I am the victim here, not Wyndham. It is quite evident that Barclays receives a lot of business from Wyndham, so of course they are loyal to their money. But are they loyal enough to continue to protect them, when they are committing a felony by the fraudulent use of a credit card.
Consumer complaint received 2024-07-31
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)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

LexisNexis stated in their response to my CFPB complaint that there was no such insurance claim in my name for hail damage insurance claim on XX/XX/year> but on page 63/160 of the report they sent me in response to the CFPB clearly shows the claim in my name. 

The seller of this house filed such a claim to repair the roof BEFORE we bought the house- but the claim is clearly associated with us now.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX  Acct # XXXX Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute and request correction of inaccurate information on my credit report. The account details in question are as follows : Creditor Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Current Status : Closed Under the provisions of the Fair Credit Reporting Act ( 15 USC 1681 ), I am asserting my rights regarding this matter. Specifically, I refer to the following sections : Section 602 ( 15 USC 1681a-2 ), which guarantees my right to privacy and control over the dissemination of my credit information. Section 1666b of 15 USCS, which states that a creditor may not treat a late payment on a credit card account under an open-end consumer credit plan as late for any purpose. Despite the closure of this account, it continues to be reported as late. This is inaccurate and misleading, as no late payments occurred after the account was closed. I request that XXXX XXXX XXXX  investigate this matter promptly and remove the inaccurate late payment information from my credit report. Please provide me with a written confirmation of the correction once it has been made. Enclosed with this letter are copies of relevant documents supporting my dispute, including proof of the account closure and any other pertinent information. Thank you for your attention to this matter. Please inform me of the steps being taken to resolve this issue within the timeframe prescribed by law.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I closed the account for the XXXX XXXX XXXX XXXX  builder on XX/XX/year> I have documentations. The balance was {$0.00} I have a statement provided from the company. They keep reporting the account open and with a {$1700.00} balance. I have disputed this with TransUnion 10 times have got additional information from XXXX company and it is states account is closed balance {$0.00} but then they report to TransUnion that it is open. I have sufficient documentation I need help to close this correctly and get off my report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the LexisNexis consumer reporting agency, block information appearing on my consumer credit report that is the result of aggrevated identity theft and fraud within 4 business days of you receiving this complaint. This account is a bankruptcy. The aforementioned account appearing within my consumer report maintained by LexisNexis is to be deleted and blocked immediately.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-03
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. (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 2024-09-23
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: JPMORGAN CHASE & CO. (NY)

I have a contract for services I purchased in XXXX of XXXX. Because the service wasn't needed until the following year, the company kept a credit on file for me to use in XXXX. Service remained unused and a credit for the fee was suppose to be refunded. Company stated they send refund via check twice, payment never received nor proof of payment. 
When bringing these facts to my bank, they said they can not help me because of the original date of the charge being to long ago.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with XXXX XXXX XXXX XXXX XXXX I have been making payments on my auto loan for the vehicle financed through XXXX XXXX XXXX XXXX. My current balance, according to my latest statement from XXXX XXXX XXXX XXXX dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, XXXX XXXX XXXX XXXX is engaging in practices that cause undue harm and stress to me as a consumer. 
I have contacted XXXX XXXX XXXX XXXX to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence. 
I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (MA)

In XX/XX/2023, I contacted Selene Finance about a loan modification. I send in all the paperwork that was requested, I called about 2-3 times per week for updates and was told it was in review. On the day after 30 days I was informed that there was missing paperwork and that I'd have to re apply, when I asked why I was never informed earlier about the missing paperwork, I was told that it was an oversight and I should just re apply. I re applied and was offered a modification payment {$900.00} more than my existing payment, I was told it was because of higher interest rates. If the modification had been done correctly the first time, I would've been given a much lower interest rate and payment. Selene Finance refuses to acknowledge their mistake, I have requested phone records proving that I called frequently and was never told about missing paperwork. I have yet to receive the phone records
Consumer complaint received 2024-09-23
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: ROBINHOOD MARKETS INC. (IL)

On XX/XX/year> I noticed a charge on my ( relatively new ) Robinhood credit card app for a purchase I did not make. The charge was labeled " XXXX XXXX XXXX '' and the amount was for {$1000.00}. 

I immediately reported the transaction as fraud and Robinhood followed up shortly after with instructions about a changed card number, and a temporary credit was issued. 

Days later, I received a parcel at my doorstep matching the fraudulent order. It was a package containing two expensive large switchblades. Strangely, the package was addressed to me using my contact information, making this appear like a legitimate online purchase - the only clue that this was not on my behalf was on the printed invoice in the box : a XXXX email address was given, not my actual email address. 

I suspect the following happened : 1. ) A criminal enterprise or individual got a hold of my card information somehow. I am unsure how this could have happened, as I only had the card for about a month at this point. 
2. ) The purchase of these weapons was made with my name and address, with the fraudster planning on stealing the package from my XXXX address ( hopefully ) before I brought it inside and noticed it. I assume that, even if the fraud had minimal odds of success, the scammer would have had information from perhaps dozens of cardholders in my city and was playing a " numbers game ''. 

On XX/XX/year>, I received an email from the Robinhood fraud department saying that my fraud claim was denied. Presumably this was due to the fact that the sale was made to my real address listed on the account. 

However, the facts are simple. I did not order two expensive switchblades, I do not know who did, but I had no contact with the store that sold and shipped these to me, and I know this was fraud. I live alone : there is nobody who had access to my household, my computers, or any other means by which my credit card 's unique online-only ( non-physical ) card number could have been stolen by a person known to me.
Consumer complaint received 2024-09-30
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: SANTANDER HOLDINGS USA, INC. (NV)

Chrysler Capital responded and said that they researched my claim and decided that they were correct in reporting me late. HOWEVER, I called to get the payoff prior to the 30 day late window expiring, and I signed documents including a POWER OF ATTORNEY at the dealership that put liability on the dealership, NOT ME! I was NEVER 30 days late with any of payments with Chrysler Capital. This late payment has drastically impacted my credit score that I have worked so hard to bring to where it was at. I asked the dealership several times about not wanting my payment to be late and I made note to Chrysler Capital when obtaining the payoff that I was in the process of trading the vehicle in. I tried to do everything possible to prevent this issue from happening. If nothing else, they should remove this late payment as a one time courtesy seeing as they account has been paid in full as I have NEVER been 30 days late and I have paid almost $ XXXX in interest over the last 23 months!
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> I received a harassing phone call from XXXX area code XXXX XXXX He stated he was going to take my home from me. He didn't care that I would be homeless. Nor did he care if my husband died. He was unbearable. I was scared of him. I've never been so scared. He stated he has my social security number my address and wanted my house and he will get it!. 
He gave me a phone number to XXXX XXXX XXXX I also received XXXX  XXXX from XXXX XXXX XXXX I also spoke with XXXX who also never sent anything in writing nor have they ever made contact with me personally by mail email, wells fargo, XXXX beforehand. XXXX basically made me feel forced to sign something illegally obtained. Or my home would be gone. She also made an illegal recording of me and said so afterwards. 
I feel like my life is in danger. Please help. 
I've spoke with XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-30
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: CLGF Holdco 1, LLC (TX)

I received an email on XX/XX/year> from Indigo about someone attempting to use my information to open a credit card, which was denied. This is now showing up on my credit report as an inquiry, which is fraud.