davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : 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 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 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

On XX/XX/2023, I noticed there was a charge on my Chime checking account for {$15.00} titled " XXXX XXXX '', I also noticed a second charge that was pending for {$17.00}. It also later posted as a " XXXX XXXX ''. 

I called Chime Customer Support and spoke to two different people about this. They explained that a XXXX XXXX is when you withdraw money from an ATM but they don't remove the same amount of funds from your checking account. For example, you withdraw {$100.00}, however your account only reflects you took out {$80.00}. So, they come back and get the {$20.00} as a XXXX XXXX. At least, that's my understanding. 

My issue with this is I had not used an ATM for 4 months. The last time I used an ATM was back in XXXX on XX/XX/XXXX and another time on XX/XX/XXXX. For both of these times, I was charged the entire amount that was removed from my checking, {$80.00} + {$2.00} ATM fee ( {$82.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX, and XXXX XXXXXXXX {$2.00} ATM fee ( {$120.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX. 

I am needing Chime to explain to me why I am seeing a " XXXX XXXX  '' months after I've used an ATM for {$15.00} and {$17.00} using math and specific transactions. Because the math ain't mathin ' for me. Both people I spoke to could not do this. The manager I spoke to told me to send an email with screenshots to XXXX. I did this right after I got off the phone with him. It is now 8 days later and I've not heard one word from Chime about this. I've followed up three different times via email. 

I have already moved all my money to a different bank and set up my direct deposit to go to a different bank as well. But I am still going to need an extremely detailed explanation as to exactly why these two " XXXX XXXX '' are appearing on my account. I need statements to fully break down the math.
Consumer complaint received 2024-09-09
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. (OH)

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 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  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 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 2023-06-01
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: EQUIFAX, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXXXXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (CT)

I applied for an Ulta store credit card at the Ulta store in XXXX. My credit file received a hard inquiry on XX/XX/XXXX. I was told I'd receive a decision by mail within the next week ( 7-10 ) days. Two weeks had gone by and I still hadn't received any decision by mail or email or text. I decided to reapply by myself online incase my information had been typed in the system incorrectly by the cashier at the Ulta store. After I submitted my application online in early XXXX I received a letter from Comenity Bank that was sent on XX/XX/XXXX. Firstly, my name was spelled incorrectly in the letter which threw me off. It was spelled XXXX instead of XXXX. The letter said that I had put in a second application within a 30 day timeframe from the original application and it could not be processed. It had also read that I already received a decision from my first application which I had not. I tried to apply for a college student credit card through the XXXX website and after a review of my credit file with the hard inquiry from Comenity Bank they were unable to approve me even though I have no credit line opened with Comenity Bank. Its the hard inquiry on my file thats inhibiting me from opening a card thats meant for credit card beginners.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I financed some furniture through Synchrony bank/XXXXy in 2015 XXXX I paid off the debt right away and never used the card they sent. Now 8 years later I get sent a new card. I call to cancel the card and they tell me the account doesn't exist. After speaking to multiple managers the only information I have gathered is : Accounts are automatically closed after 3 years and out of the system after 7.

This new card has no expiration date, I was told that their cards don't expire. If Cards don't expire why was I issued a new one? 
There is now no record of the old account and they don't know where the new one came from. 
They can't send me anything confirming that I have no open accounts and owe no money. They also can not make outbound calls so I have to sit here the entire morning on hold. 

By their own terms they must have closed my account after 3 years, which means this new card was opened without my permission. 

They don't think this happened, but can't confirm it and can not say with certainty exactly what happened or where this card came from, but want me to just trust that everything is okay. 

XXXX XXXX ( XXXX XXXX XXXX ) they will only send me something stating that I owe no money and have no open accounts if they can open a complaint that would affect my credit report.
Consumer complaint received 2023-10-18
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. (TN)

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.

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 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 2024-09-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

Fairly new accounts with XXXX  to go and XXXX, paying on time, and after a few months they reduced available credit on both accounts, that again changed the usage percentage of line of credits in my credit burau, and this resulted in my XXXX XXXX dropping below the XXXX mark. I understand this is something that Synchrony Bank have done to thousands of account holders without notice to account holders
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I contacted EdFinancial, my student loan servicer, on XX/XX/XXXX. I asked them to apply a monthly payment ( made in addition to my minimum monthly payment ) against the principal balance of my loan. They refused to do so, and stated that payments must be made against the interest first. I pointed the service agent to the CFPB page linked below, which indicates that a borrower can instruct the servicer to apply the payment against the principal amount. They still refused to apply the payment to the principal amount of the loan and stated that per their policies it is not possible to do so. At this time, I have not been allowed to pay against the principal amount of my loan which I would like to do. 
https : //www.consumerfinance.govXXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, you % XXXX % XXXX % XXXX % XXXX.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (VA)

I received a letter from Wells Fargo claiming an auto loan application was opened under my name. They also requested my credit score from XXXX without my consent. I never opened an auto loan application with Wells Fargo. 

When I called Wells Fargo to investigate what was going on, they wanted all manner of personally identifiable information before they would proceed to answer my questions. I refused to give them my Social Security number, and they said they could not help me. The call ended there.
Consumer complaint received 2023-10-18
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. (TX)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-10-18
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. (NC)

I requested information be removed from my XXXX XXXX credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted XXXX XXXX, XXXX, and Experian 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX phone and XXXX XXXX again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXXXXXX XXXX XXXX Lender XXXX XXXX XXXX XXXX XXXX Secured Loan This does NOT Belong TO Me There are several other inquiries 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 This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( Experian )
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have XXXX Federal student loans through Navient both under consolidation since XXXX XXXX XXXX From XX/XX/XXXX through XXXX XXXX XXXX  there were only XXXX payments where the entire payment amount was applied to interest and {$0.00} to principal. In other words XXXX out of XXXX payments had some portion applied to principal. 

However, something that is out of place occurred between XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX all payments were applied to interest Only. 
That's a total of XXXX payments were no principal was applied. Perhaps there was something with the pandemic. But I never asked for forbearance. In fact, I didn't have any remaining forbearance on the loan. When I called for an explanation, the representative only spoke in generalities, but can not explain why such a long period of time passed were no principal was applied.
Consumer complaint received 2023-09-14
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. (NY)

This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (PR)

The debt collector FRONTLINE ASSET STRA last reported on XX/XX/2023, a NEGATIVE open balance of {$1100.00} from the original creditor XXXX  XXXX  ( Original Creditor ) states and wrongly reported that I opened in FLORIDA on the specific date of XXXX XXXX, this is a FRAUD, and this company has multiple intents on different dates to charge a Negative on my credit report and XXXX about to take this on LEGAL matters and sue them.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

On XX/XX/XXXX, I noticed charges to my checking account that neither my wife nor I authorized. I promptly called USAA and described the five charges that were not made by either of us. The merchant 's name for all 5 is " XXXX XXXX XXXX XXXX XXXX On XX/XX/, I was charged {$41.00} ; on XX/XX/, {$28.00} ; on XX/XX/, {$54.00} and {$1.00} ; and on XX/XX/XXXX, {$100.00}. 

The first letter confirming my dispute should have included the XX/XX/, charge of {$1.00}. Instead, USAA only included a XX/XX/XXXX  charge of {$41.00} ; a XX/XX/XXXX  charge of {$28.00} ; a XX/XX/XXXX  charge of {$54.00} ; and a XX/XX/XXXX charge of {$100.00}. Additionally, that a provisional credit would be applied to my account. 

I received a rejection letter that evening after calling USAA on Wednesday, XX/XX/XXXX, to notify them of their failure to include the XX/XX/2023, charge of {$1.00}. USAA 's rejection letter notes that they have " determined that the listed transactions are not fraudulent '' and " this concludes our investigation, and no further action will be taken. '' Additionally, the provisional credit applied to my account would be reversed. 

I immediately called USAA to invoke my right to " request information or documentation [ they ] relied on to make [ their ] decision, '' as stated in the rejection letter. The USAA customer service representative noted my request and told me I would have a response on whether the documentation would be released within the coming days. I questioned for clarification, to ensure I understood, that I was invoking my right to " request '' information, so did that mean I was not entitled to receive them? The USAA then gave me the impression that the request was a mere formality. 

I have never been to a XXXXXXXXXXXX XXXX XXXX XXXX XXXX  While I live in XXXX XXXX, neither my wife nor I were in XXXX XXXX during some of these transactions. Moreover, she and I were at work while some of these transactions occurred. 

I am disheartened that USAA fraud investigators contacted her nor me to question anything about these charges. Instead, we have lost {$230.00} and become fraud victims.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (MI)

This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

Avant Personal Loan : {$2300.00} dollars charge off
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

I can not find my XXXX child 's social security card and fear that it may have been in my purse when it was stolen in XX/XX/2016. Thus, I am following the recommended steps to get a credit report on my XXXX child under XXXX, which includes filing this complain with CFPB. I also filed a police report.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (UT)

Zions Bank Corporation is one of the worst banking companies that I have interacted with, and I had been a customer with XXXX XXXX and was scammed by them. Zions Bank is nothing but a scammer to their customers, trying to scam XXXX  of dollars from their customers. 

On XXXX  XX/XX/XXXX, I deposited a check for {$2900.00}, at the XXXX XXXX XXXX. When I deposited the check there were several items that were pending processing and had not been processed through. But I had a current balance of {$2100.00} in the account. XXXX  XX/XX/XXXX, I get notification that my account has been overdrawn and that I am being charged fees, and that XXXX of the items that was listed as pending processing has been returned, because of insufficient funds thus costing me more fees and penalties, because Zions Bank can't get their act together. XXXX  XX/XX/XXXX, I checked my account balances online and it shows that I still have a negative balance in my account yet it shows that all transactions have been processed, and the running balance of the account is {$2900.00}. 

It is apparent to me that Zions Bank has forgotten who has gotten then where they are today. I am to XXXX XXXX that I am filing a complaint not only with Zions Bank, but with FDIC, Consumer Financial Protection Bureau, and with XXXX XXXX XXXX XXXX for the way that my accounts and myself have been treated by Zions Bank. It is very obvious that Zions Bank Corporation, is just like XXXX XXXX and other big banks, in that they want to scam customers of their hard earned money.