davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To my surprise, I found false accounts on my credit report this morning, and I have no clue why this is happening. Ive always checked my report regularly, but this time, there were errors I didnt expect. I refreshed the page thinking it might be a simple glitch, but the wrong accounts stayed there. Im now pleading for a thorough check of my documents so this issue never troubles me again.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (VA)

XXXX ( a Wells Fargo Credit Card / Financial product ) runs a fraudulent " rent payment '' program via its mobile application platform. For now two months in a row, I used their platform to issue a rent payment to my landlord. The rent in question is {$6500.00}. 

- On XX/XX/2023, I initiated the {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via ACH, on XX/XX/2023, from my XXXX bank account, the amount in full. 

- On XX/XX/2023, XXXX charged my XXXX credit card, without my consent and authorization, and fraudulently, for {$6500.00}. I noticed the charge a few days thereafter, reached out to customer service and they agreed to remove the charge. Had I not noticed the charge, XXXX would have enriched itself fraudulently by double charging me for rent. 

- The additional, fraudulent charge of {$6500.00} on my credit card statement caused a precipitous decline in my credit score, for overusage of credit lines ( the document attached shows my credit score being reduced by over XXXX points, and my credit usage at 333 % due to this charge ). Since this charge is fraudulent, and not my responsibility, I demand that XXXX rectify the disastrous effects this has placed to my credit score, my ability to secure credit, and the work it will require to rebuild my credit to satisfactory levels. 

- On XX/XX/2023, I initiated a the same {$6500.00} rent payment on the XXXX XXXX. XXXX withdrew via XXXX, on XX/XX/2023, from my XXXX XXXX account, the amount in full. 

- Unbelievably, on XX/XX/2023, XXXX charged my XXXX credit card again, without my consent and authorization, and fraudulently, for {$6500.00}. I am in the process of getting this charged removed. 


It is clear, based on two months of evidence, that XXXX operates a fraudulent " rent payment '' scheme and the CFPB should intervene, stop the program, and ensure that every person who used it has not been double charged. The CFPB should demand full accountability, and damages to every renter affected.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp. (CA)

In XXXX, ASPEN Financial Direct issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. 

I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on IDENTITYTHEFT.gov and was able to get it removed. 

Then they sold the fraudulent loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (OH)

I have multiple Accounts opened by my XXXX  husband and didn't find out until after he XXXX on XX/XX/year>. He was my payee. I thought I could trust him. My lawyer and XXXX of my long time friends which is the XXXX helping fill this out now helped me. I can barely read nor do I even know how to fill out an application. I'm am not mentally capable. I have a learning XXXX and struggle to read simple things. My husband XXXX  and left me with a lot of bills and debt. I am trying to figure out how to figure out how to fix the rest of his damages. I have XXXX store card I believe she told me and the others are credit cards I already had to pay off the XXXX XXXX that he did from the bank that I have to use for my bills with the XXXX.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I set up a payment arrangement with FTB ( franchise tax board ), to make payments towards my CA state income taxes, starting in XX/XX/2022. I received a threatening letter that my arrangement had been terminated and full amount was due immediately. I called they said BofA rejected the payment request and I defaulted. I knew that was a mistake so, I called BofA and I was told there was no record of the attempt. I called FTB and they said well, it was and I gave them another checking acct to take it out of.. they assured me that it would start again XXXX XXXX unbeknownst to me he was taking it out of BofA again, which shouldnt have been a problem, until I received another payment arrangement termination. I called BofA again, this time ( after I was told no record of attempt, but after further review ) there had been a stop payment/ hold on XXXX XXXX. Which was a huge surprise to me. Meanwhile, FTB has said I can no longer use BofA and there has been XXXX ( XXXX ) {$34.00} processing fees attached to the amount already owed to FTB. I asked BofA how did that happen, they couldnt explain if it was a fraud issue ( which I do not recall claiming fraud ) or I requested a hold ( which I KNOW I didnt do. ) now FTB says I need a letter from BofA explaining the hold had been removed and in order to have the fees waived I need them to also state i didnt request the block or it was a bank error, which Bof A wont do. I cant on my own get anywhere with this problem.
Consumer complaint received 2024-09-22
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: Experian Information Solutions Inc. (NC)

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : XXXX : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX I disputed this information with XXXX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MI)

I financed a XXXX XXXX XXXX through US Auto Sales around XXXX of XXXX. Within the first 30 days of me having the vehicle I ran into many problems with the vehicle. I was responsible for paying more than {$3000.00} in repairs for the vehicle and I am still making repairs. I was told that the warranty on the vehicle no longer stands because the company has gone out of business. I am left with a dysfunctional car and still responsible for paying on it. I am an XXXX XXXXXXXX XXXX XXXXr so my transportation is needed for my day to day activities and duties and this has caused so many problems with my work and personal life.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

We enrolled in JPMORGAN Chase Fraud Protection Security system, a while ago. Recently wrote a check to one of our company vendors, and Chase did not follow the instructions loaded in their Security system, the check we wrote was cashed by another person other than the intended merchant, we are out {$4500.00} and no clue when it will be returned.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I DIDN'T OPEN THIS ACCOUNT LISTED IN THIS REPORT, I NEVER GAVE ANYONE PERMISSION TO OPEN A ) XXXX XXXX XXXX ) CREDIT CARD IN NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I WAS NO LONGER LIVING THERE WHEN THIS ACCOUNT WAS OPENED. I MOVED OUT FROM THAT ADDRESS ON XX/XX/XXXX. 

( XXXX XXXX XXXX ) ( ACCOUNT # XXXX ) ( OPENED DATE : XX/XX/XXXX ) ( FRUDULENT AMOUNT CHARGED : {$270.00} )
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I lost my card on XX/XX/2023, as well as my XXXX. It never has a lock on it as my FaceID was not working correctly. I noticed I lost my phone right away the night before, went back to where I lost it, it wasn't found. I was wearing gym shorts with shallow pockets and the card, but didn't realize my card was missing as it was also in my pocket along with my phone. 

I noticed big amounts were taken out from my card from a company in a matter of an hour or two that morning called XXXX in the amounts of {$140.00} and {$730.00}. 

I contacted Chase ( my primary bank ) and they promised a resolution over the phone within 10 business days, and got sent a new card out immediately. This was XXXX XXXX XXXX, it is now nearly a month later. They temporary credited the amount- but it is still in a dispute process which I believe they have yet to attend to. 

I contacted chase a second time because the dispute was doubled on the {$730.00} charge to {$1400.00} - but they credited back {$730.00} instead which was helpful along with the {$140.00} dollars.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently disputed unauthorized credit inquiries made by unrecognized creditors on my XXXX credit report. XXXX returned a result of that dispute, without any research whatsoever. The results were that the inquiries remained. Please see attached report. 

I was unable to exercise my right to make a dispute of the inquiries at all, with Transunion and XXXX, by phone nor online.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-08-21
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: CBC Companies, Inc. (CA)

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 U.S.C 1681. Has Violated my rights. XXXX. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. XXXX5 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

After transfer of the loan, the payment schedule got confusing and my car was repo, I paid on XX/XX/XXXX the fees to get my car back. They said it would be released in 48 hours it is now XX/XX/XXXX and I have not got my car back. When I call Westlake financial they said they have sent the email to XXXX XXXX, when I call XXXX XXXX they say they havent released the paperwork yet. I have asked to speak with a supervisor at Westlake for the past 2 days and getting no where
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (AR)

I already filed one complaint you let them duck out of. They never returned my money from closed checking. There never was a credit card involved because they never finished getting checking set up. But they reported me in collections for a credit card on my credit report, which is a crime in itself. They offer up every excuse/roadblock known to man yet you've already busted them as they continue to jerk me and my credit report around. Meanwhile I just got awardes 100 % XXXX at Va for sarin gas exposure/ptsd. I'd like to thank you and chime for continuing to be part of the reason I can't get a home. Next holiday you'll all be faking a thank you to me
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My son was in a XXXX XXXX in XXXX the bill was submitted to insurance but a creditor put it on my consumer report and took me to court. I showed in court with the proof of payment and the judge dismissed the case on XX/XX/XXXX. 

I have submitted proof to the credit bureaus and to the collection company who keeps telling me the attorney never updated anything after court and they won't remove this from my consumer reports. 

I have all the court papers plus the paperwork from the XXXX XXXX XXXX showing where they paid this claim. It should have never been placed on my consumer reports.
Consumer complaint received 2019-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

In the last 10 years I had to file Chapter XXXX which caused the Student Loan to be in deferment for 5 years until the process finished. I did not understand that interest fees would still accrue. The loan amount was ( originally ) about {$40000.00}. Now, for the last year all monthly payments only go to interest rate fees. The Navient Student loan amount is now over {$80000.00} with no workable process or way for me to pay back the loan.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently attained a copy of my credit report and seen fraudulent account XXXX XXXX XXXX {$1300.00} opening XX/XX/year> account # XXXX my credit report that is affecting my ability to obtain credit.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (AL)

I am writing to formally express my concern regarding the disputed accounts that continue to appear inaccurately on my credit report. On multiple occasions, I have raised these issues and requested thorough investigations into these inaccuracies. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are having a severe negative impact on my credit file, which has caused significant hardships in my ability to maintain financial stability. The continued presence of these inaccuracies is unjustly hindering my financial well-being and disrupting my daily life. 

I am therefore requesting a full and immediate investigation into each of the disputed accounts listed in my credit report. It is critical that all necessary steps be taken to correct and update my credit report without further delay. I trust that with your assistance, I will be able to restore the accuracy and integrity of my credit file. 

Please treat this matter with the utmost urgency. I would greatly appreciate your prompt attention to this issue and your cooperation in resolving it as soon as possible. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.