davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (FL)

XXXX XXXX : I deposit a {$250.00} check from XXXX XXXX XXXX into my personal checking account at Valley Bank XXXX XXXX *XXXX. XXXX : Valley withdraws {$250.00} from my account without explanation *A few days later : I go into the bank and discuss with manager. She contacts someone at corporate level who says the check was returned by insurer as a duplicate. 

*I call insurer and am told that they funded the check once, on XXXX XXXX. They returned a second attempt by Valley to collect again by returning it as a duplicate. I received proof of the payment ( attached ) about a week later. 

*XXXX. XXXX : I emailed bank manager with documentation of XXXX  payment to bank; came into discuss about a week later. No resolution. Called bank customer service, who referred me back to local branch. XXXX XXXX consolidate events and docs in email to local branch. No response since.
Consumer complaint received 2024-10-25
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. (NC)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-22
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2024-10-25
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. (GA)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-05
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: WELLS FARGO & COMPANY (HI)

There was an issue with report where wells fargo reviewed my account and recorded calls. I made payment on my account within the30 days and wells fargo reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when pmt was arranged on time. 

It looks like the issue was resolved with XXXX but XXXX and XXXX still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

Chime is fraud bank I never use this account since last year someone hack my account as my knowledge My activity this account not reported my email or phone. 
This bank allow them to all fraud transactions in and out someone use different email to transfer money buy or purchasing illegally item in this account they use my account different account and my wife account to transfer money via quick pay Last month i open to check why chime account activity come my bank thats alert me but chime not reported any fraud I ll be dispute all this transaction and chime deny but only send XXXX dollar Chime make fraud transaction without my knowledge all I need dispute or either file a law suit this bank all transactions history I have in my record and this month I file case
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (NY)

My employer uses XXXX XXXX XXXX as an HSA service provider. XXXX  offers two options for managing HSA assets, the money can be kept as a simple savings account ( held at UMB Bank ) or one can choose to invest the money in a HSA investment account ( serviced by XXXX  ). XXXX charges {$2.00} a month ( $ 30 year ) for the investment option, regardless of the balance in the account. I don't want to pay a recurring fee for having my HSA money invested, considering there are so many other firms that do not charge for this service. I found several options of brokerage accounts without fees, such as XXXX, so I opened the account at XXXX. 

Once I transferred the funds to XXXX I realized that UMB Bank charges {$25.00} for money transfers. I called to better understand the reason and they said this is a standard fee and I that I wasn't made aware before since it's on the account disclosures. I have never read such disclosures since this service provider was chosen by my employer, not me. 

The issue is that I and my employer continue to make contributions to the XXXX/UMB HSA account as this is how the HSA service is set up, so I would incur a {$25.00} fee each time I transfer money to XXXX. I asked Alight and UMB Bank for another option to get my money out and they said the only option is to do an " HSA rollover '', however this option is limited to once every 12 months by the IRS. Therefore, limiting my ability to transfer my money to a financial institution of my choosing without incurring a fee within that 12 month period. 

XXXX doesn't allow me to choose a different custodian for my assets but they also will not wave the fee to get my cash out, so I would always have to pay {$25.00} each time I want to move my money to XXXX. 

I find this fee excessive and restrictive. I have spoken with both UMB and XXXX and they said there is no solution, pay {$25.00} with each transfer or wait the 12 months to move my money. This is simply unacceptable. 

The alternative would be to keep the cash in the savings account that doesn't charge fees but this prevents me from investing the assets and forgoing growth in my HSA account.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctoring of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX BAL. {$16000.00}, XXXX XXXX BAL. {$16000.00}, XXXX XXXX XXXX BAL. {$630.00}, XXXX XXXX  {$510.00}, XXXX XXXX XXXX BAL. {$150.00}, XXXX XXXX XXXX BAL. {$750.00}, XXXX  Bal. {$720.00}
Consumer complaint received 2024-10-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

I tried opening a chekings account in my local bank, the local bank informed me of a collection I had which prevented me from openening any type of account, the company name which put a collecting on my credit report was " Jefferson Capital Systems ''. I contacted this company to find out a way to get rid of this collecting when they started to ask for personal information such as my SSN which I did not release to them.
Consumer complaint received 2024-09-08
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. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (VA)

I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

I did sign for a PLUS loan for my sons tuition. The PLUS loan was pushed by the schools representative. After I signed the original loan document, my son somehow got XXXX more loans under this same loan agreement ; in addition to XXXX other private loans which are being dealt with separately. After graduation, my son dealt with NAVIENT, XXXX XXXX, XXXX XXXX, or whatever name they go under at the time. NAVIENT allowed my son to do a loan consolidation, and XXXX loan rehabilitations, all without my consent or knowledge. 
Of course all of these added to the balance of the loan. Finally ; after NAVIENT lost track of where my son was living, they started contacting me about paying the loan. By now ; with all of the transactions that they made with my son, they had the balance to over $ XXXX-dollars. I contacted their offices several times attempting to get some explanation of the charges that they were billing me for. I have XXXX sons that have student loans and I had no idea of what loan this was or even who the loan belonged to. It took several months, and a statement from me calling this a fraudulent collection attempt, for them to supply me with a signed loan document so that I could identify what loan they were referencing. After I was supplied with the signed loan document, I continued to contact the NAVIENT offices to get further clarification on the additional charges, including the additional loans, loan consolidation, and loan rehabilitations, as I had not authorized any of these. I received very little cooperation from NAVIENT. The most that they would do is repeatedly send me typed documents with the charges listed. Finally ; after threats of wage garnishments, I had entered into an agreement to make monthly payments to NAVIENT to avoid the wage garnishment. But ; before the agreement reached whatever office for final approval, NAVIENT proceeded with a wage garnishment through their collection agency, GENERAL REVENUE CORPORATION. I admit to owing the original loan, and I continue to propose reasonable repayment offers ; But I receive zero cooperation from NAVIENT or GENERAL REVENUE CORPORATION. The only reply from NAVIENT is that they refuse to negotiate loan settlements. I feel that NAVIENT fraudulently negotiated additional loans, consolidations, and rehabilitations with my son without my consent, driving up the balance on the loan, and now they are refusing to accept any liability for their actions, and refusing to negotiate a reasonable repayment arrangement. I am attempting to come to a reasonable resolution on this matter before I retire from my job ; But NAVIENT and GENERAL REVENUE CORPORATION seems to be more interested in dragging out wage garnishments for years on end rather than negotiating reasonable repayment settlements. I feel that the Federal Government should step in to recover the Federal Student Aid funds.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is beingvreported as late. This is inaccurate and there is only one XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

Attachments
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXXXXXX  Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

Equifax : Highest reported balance : XXXX XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while Equifax indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

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