davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (NY)

In XX/XX/year> I ended up XXXX XXXX XXXX XXXX XXXX and was XXXX for at least 6 months. Attempts to contact XXXX XXXX at this time always ended with phone calls directing me to email their customer support team documentation such as my doctor 's letter to validate the financial hardship I was going through. The credit card company never saved the copy of the letter. Fast forward one year and I am able to submit the letter to their company through a reply from a credit bureau complaint I made regarding late payments during the period I am describing above. However, they say they will not investigate it further despite having enough evidence to prove they were wrong about the payment options. This company has made it incredibly hard to report hardship, to negotiate terms and even to increase credit limits.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

LexisNexis shows, according to their report, says that I am responsible for a civil judgement for default on a credit card that is not in my name, or did I ever apply for, or am legally responsible for. I have never been served or have I ever applied to the credit card in question. This is my wife 's sole responsibility, in which she applied using her own social security number. This judgement does not show up on any of my XXXX credit card reports, XXXX, XXXX or XXXX. I contacted them to have this removed and asked them XXXX  for a followup. I received no response from them.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WA)

I, have submitted multiple requests to opt out of information sharing with COMENITY BANK, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to COMENITY BANK : Submitted on XX/XX/2024, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/2024, following COMENITY BANK 's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. COMENITY BANK has failed to meet this obligation.

Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. COMENITY BANK does not have my written consent to share my information.

Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. COMENITY BANK did not inform me of this right.

Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of COMENITY BANK 's reporting services and sharing of my information.

Conclusion : COMENITY BANK 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation.

I am once again requesting COMENITY BANK to honor my rights and process my opt-out request as mandated by law.
Consumer complaint received 2024-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (MI)

I reported predatory lending against Xact. The original amount was {$2900.00} and is now over {$5000.00}, and the APR was 220.4 %. 

Also, now they are threatening legal action against me. There is no proof that I have any financial obligation to XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (NV)

My vehicle was repossessed by Bridgecrest. Despite numerous attempts to contact their company for information regarding the repossession process and the necessary steps to redeem my vehicle, i was not provided with adequate guidance or assistance before my vehicle was sold in an auction. Which is a violation of my consumer rights and legal obligations. After my vehicle was sold illegally, i received an inaccurate and incomplete deficiency report. Missing pertinent information. The lack of transparency and failure to adhere to regulatory requirements is unacceptable.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (OK)

I went to use my card. And it was declined. I checked the website which states Im below my limit and should have {$170.00} available to use. But then it said Im over my limit by {$18.00}. 
When I called, the CSR could not send me any information on my pending transactions, but could read them off to me. And said the website is down. There has been no notice that the website was not functioning. The CSR said the website would be working next week. 
Please check into this because the whole thing is sketchy.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX Complaint XXXX was submitted to Equifax. The items I disputed were violating my rights. I submitted all documents as proof. On XX/XX/XXXX Equifax responded that the items I disputed were either : not showing or deleted. 
Upon checking my equifax report on my portal at myequifax.com I discovered they lied and every item I disputed that they said they deleted or wasnt reporting is absolutely being reported. I have attached the documents to show Equifax has willfully violated my rights and lied to the CFPB AND ME and are reporting the information as of XX/XX/XXXX after saying they werent on XX/XX/XXXX. I need this fixed and I am seeking monetary compensation as this recently prevented me from being approved for credit. 


I have included from the XX/XX/XXXX complaint ( XXXX ) the original letter, ftc affidavit XXXX well as current credit report showing equifax lied XXXX these accounts not reporting as proof of willfull non compliance. This has been inconvenient for me and affecting my livelihood negatively. WHEN I CALLED BY PHONE ON XX/XX/XXXX NOW THEY CANT FIND MY CREDIT REPORT ALL OF A SUDDEN IN AN ATTEMPT TO STOP ME FROM ADDRESSING THIS WITH THEM THE LETTER SHOWS THE CONNS BALANCE OF {$5500.00} THE ACCOUNT NUMBER WASNT LISTED .THE ACCOUNT NUMBER IS XXXX XXXX WITH THE BALANCE OF {$5500.00} AS SHOWN ON THE XX/XX/XXXX EQUIFAX CREDIT REPORT. ALL THE INQURIES ARE THERE THAT THEY SAID XXXX OR WERE DELETED., THIS SHOULD BE ILLEGAL TO TELL CFPB A LIE WHILE BLATANTLY REPORTING .I WILL FILE WITH THE ATTORNEY GENERAL ALSO.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SOFI TECHNOLOGIES, INC. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXXSOFI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOFI_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo checking account was violated by someone trying to scam me, something I've been very vulnerable to since I began an online search for small business grants and loans. Funds I desperately need as I am starting my own business. Unfortunately on XX/XX/XXXX I received a notification from a reputable company stating that I was eligible for a loan. However it was not who they presented themselves to but I didn't realize I was being scammed until after sending my bank credentials electronically. The reason I sent this sensitive info was for bank verification purposes only and I didn't realize the scammers would be able to the information because it appeared hidden as I filled it out. But there was Two checks deposited into my account without me being made aware as I told the scammers to cancel and immediately changed the sign in info when I knew they were fakes. At XXXX that evening Wells Fargo called told me of the checks, that they couldn't be validated, my account was in danger to be closed, and I should contact loss prevention. I spent several hours between the time they closed that night and the many times on Saturday I tried calling. This account is where my XXXX direct deposit is made. I was expecting to have it land in the account either Mon the XXXX or Tues the XXXX But because of the hold on the account Wells Fargo would only make it available on XX/XX/XXXX. However I was told by Loss Prevention to go into the branch with ID and withdraw all thats there and banker would finalize the account. I was not told I couldn't see anyone but the banker, not one of the tellers otherwise I would have made an appointment to do so. My neighborhood branch only employees 1 banker for a very busy, industrial area bank. I spent XXXX hours waiting just to be told by the banker she could only give my situation a few minutes that she spent on hold trying to connect with the same loss prevention department that kept me holding the line for hours. How cavalier the attitude of the people who are holding my money hostage. Not only did I not get my money on the XXXX of XXXX, but the XXXX left me without. I'm told after holding XXXX minutes that will have to wait until Monday the XXXX to get paid. To buy food, to pay bills some that were do to be paid earlier in the week. One in particular that I have now to pay a late fee for. How unprofessional and self serving can one bank be. There was no loss to Wells Fargo. Not one cent as they returned these fake chec. I the customer and victim am getting the worst of this stick and the loss prevention person could have released this money so that I could have cashed out at the ATM. In her words this has to be done by a human to prevent the harm to Wells Fargo. What about the customer? It's my money and this is costing me
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I have been with USAA for XXXX  years. On XX/XX/XXXX at XXXX XXXX XXXX  i received an email saying my debit/atm card was removed from my mobile device. Another email blocking my access to online accounts. No phone call or advance warning of any kind. I called a banking specialist and was told in accordance with their policy, they no longer wanted my business due to fraud. No explanation of what fraud. I have had restrictions on my account for wire transfers because the company thought i was being scammed. I was told my account was under review. I have no problem ending my banking relationship with USAA. They put me in a bind, without proper notice, in conducting transaction for bill paying and living expenses. They indicated my account would remain open for 60 days then closed by them. A letter is enroute to me from them but i have not received it. I can make deposits but thats it.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (OH)

My personal information, including SSN, was exposed in XXXX or more of the massive corporate data leaks that occurred within the past year. An account and credit card were opened with Chime using this information - Specifically, my SSN, phone number, home address, and email address were used. At no point was any multi-factor authentication used to ensure that the person opening the account was actually me, and I was forced to go through the process of closing the accounts and determining what info of mine had been stolen.
Consumer complaint received 2024-07-07
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-07
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: EQUIFAX, INC. (CA)

I was a victim of Identify Theft back in XXXX. I found out when I received bills from XXXX, XXXX XXXX XXXX, and XXXX. I filed a police report immediately. I also found out fraudster opened a fake credit account with XXXX, Equifax, and XXXX. My information was leaked through credit bureau data hack. Phone companies made it hard to reach human representative to report and close fraudulent account, even though account was easily made without proper check. Credit bureaus also make it difficult to reach a human representative. I had to fight and spent lots of time and energy. Eventually, I was able to get back my credit bureau accounts. No companies provided compensation for wasting my time and putting me under stress and hardship. XXXX sent fraudulent account to debt collectors and XXXX allows debt collectors to instantly add collection account to my credit report, even with victim statement. All 3 credit bureaus even have police report on file but still allow collection claim for fraudulent XXXX account. While I need to wait 30 days for an investigation. This fraudulent XXXX account keeps getting passed to new debt collectors and I always need dispute and waste my time. After account is removed, XXXX doesn't restore my credit score to before collection account was on my report. Leaving me to suffer and rebuild my credit score.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.