davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (IL)

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. I was never called or contacted to confirm permission for reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. There have been several requests. I am requesting {$1000.00} for each violation.
Consumer complaint received 2024-08-20
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: AMERICAN EXPRESS COMPANY (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXX/XX/2024 Dear Consumer Financial Protection Bureau, I am requesting assistance in obtaining my free credit report from Equifax under the Fair Credit Reporting Act ( FCRA ). Under this statute, I have the right to receive my free credit report every 12 months from each of the credit reporting agencies ( CRAs ). However, Equifax has still not provided me with my credit report. 

I downloaded the paper form to manually request my credit report by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  mail from XXXX 
I completed all required fields accurately and completely. 
I mailed off my first request with the appropriate first-class postage on XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I did not receive my credit report after waiting 15 days. 
I mailed off a second request on XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I still have not received my credit report from Equifax. 

I would appreciate your help in resolving this issue with Equifax. 

Thank you for your assistance.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems - XX/XX/year> - I recently spoke with this company regarding a collections debt that is on all three of my credit reports. The creditor is XXXX. Ive requested on multiple occasions from this collector a debt validation letter and theyve refused to provide me with what Ive requested. Each time Ive requested the debt validation letter, they share that they can only provide a receipt of the total amount ( last bill ) from the company. I shared with the collections team that I needed to review a contract of some sort to confirm that it was me that had the debt and each time, I am denied or not provided a follow up of my request. Their only attempt is to collect on the account. They advised that it should be me that should contact T-Mobile regarding what Ive requested .
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (MI)

I brought concert tickets from XXXX using Klarna- but the tickets were sold or my time ran out to get the tickets but I still paid Klarna XXXX. Upon realizing I didnt get a confirmation code from XXXX  I reached out to them and were told I would have to call/chat klarna to get my XXXX  XXXX  is saying the same thing. When I try to upload evidence to klarna that I didnt get the concert tickets their only option are to provide a confirmation code from XXXX  ( which I didnt get ) or a Tracking number ( the purchase was not a package ) so their options for evidence submission do not support my situation. When I try to communicate this to Klarna they say they can not see my claim information and to chat online for more help. When I chatted online I was told I quote : As weel this timeframe please contact the merchant to report this into our systems because at the moment that you placed the order we paid for the full amount them so it means that they are responsible for the order and for the refund they should refund us in order us to refund you because Klarna 's role is to provide a smooth and secure payment process. This includes offering various payment options such as XXXX XXXX XXXX XXXX, and financing options. 
Also let me inform you that we will be in touch with the merchant as well XXXX - end quote. Ive quite literally been getting the run around since XX/XX/year>24 its now XX/XX/year>24 and Ive gotten no where with either company
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Subject : Unauthorized Charges on Checking Account and Denial of Claim by Capital One To Whom It May Concern : I am writing to file a formal complaint against Capital One regarding unauthorized charges made to my checking account, which amounted to upwards of {$400.00}. I did not authorize these transactions. 

On XX/XX/year>, I received a fraud notification from Capital One alerting me to these unauthorized charges. I immediately reported the issue to Capital One and disputed the transactions within less than two business days of learning about them. 

Despite my prompt action and clear communication that these charges were not authorized, Capital One denied my claim. I believe this decision is unjust, as I have followed all proper procedures and reported the fraud as soon as it was brought to my attention. 

I am requesting the Consumer Financial Protection Bureau 's assistance in getting my funds returned and holding Capital One accountable for their responsibility to protect consumers against unauthorized transactions. 

I have attached relevant documentation, including my communication with Capital One and their response to my dispute. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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.
Consumer complaint received 2024-08-23
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: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX date of birth is XX/XX/XXXX & i frequently have to write reports to cfpb regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific thing & i am asking if it can be removed from my credit report. During the time of XXXX, i was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved i believe that there may have been a mix up in payment being marked as late. I have always been on time with payments & i seem to have a problem with Wells Fargo frequently for the past year now. I've been a loyal customer for almost 3 years & despite all the troubles i have had with Wells Fargo i still stayed a loyal customer. Last case i wrote, i was told wells fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, i am always on time with payment. i dont believe i ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, i am asking for the late payment to please be removed from my credit report. Thank you.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (MA)

I opened my account on XX/XX/XXXX, when there was a promotion for {$250.00} for account type 1 and {$400.00} for account type 2. The terms stated that the bonus is based on the account type 120 days after opening. Instead BMO looked at my account type on day 90 when it was type 1 instead of at 120 days when it was type 2, and only gave me a {$250.00} bonus. At some point after I opened my account the terms changed to 90 days, but were 120 days when I opened the account. I tried to explain this to BMO, but they claimed that the terms always stated 90 days and never 120 days, and did not fix the bonus. A promised call back from a supervisor never materialized. The terms for the offer are here : https XX/XX/ Indeed it currently says 90 days, but it has changed back and forth between 90 and 120 days in the past, according to web.archive.org. They do not have a snapshot from XX/XX/XXXX or any time shortly before that, but if you go back further, between XX/XX/XXXX and XX/XX/XXXX you can see the terms changed from 90 to 120, and stayed that way until XX/XX/XXXX when they changed back to 90. So the bank 's claim that the terms never stated 120 days is not true. I know what I saw on XX/XX/XXXX but didn't take a snapshot myself because I didn't think it would be necessary.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc. (PA)

I have had an account with Veem for some time and today, I received a somewhat large ( to me ) payment from a client for a deposit on funds I need to access today to complete work for them. 

Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. 

The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. 

So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because Veem is withholding my money.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (PA)

On or about XX/XX/year> Coast Professional, Inc contacted me regarding an alleged debt. I have reason to believe I we do not owe this debt because the debtor is XXXX XXXX XXXX XXXX and we have no liability, association, or debt with XXXX XXXX XXXX XXXX. There is no such LLC registered at the address they sent the letter to. We owe no payments to Coast Professional , Inc or the Creditor. 

We notified you, Coast Professional , Inc by mail on XX/XX/XXXX of this and they ignored it. Coast Professional , Inc simply sent two new letters listing debts and the original LLC as the debtor. Coast Professional , Inc has NOT substantiated why anyone currently residing at the residence they are sending the collection notice to is liable for a debt they are collecting.

We were also notified by the prior owners that Coast Professional , Inc did the same thing to them ( the debtor is likely at least 2 owners ago ).
Consumer complaint received 2024-08-28
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (AZ)

The XXXX XXXX XXXX used misleading tactics and false information to convince students and prospective students to take student loans and attend the school. The school gave false job placement rates, false payment expectations and never followed through with promised school led employment assistance. The reality of what the industry was like that I was getting an education for was far different from what they painted it to be when soliciting me to take loans. The industry did not pay the way they described it and I immediately became bogged down in life with my student loan payments. It has irreparably affected my life in countless negative ways.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (IL)

Subject : Request for Deletion of Account Due to Falsely Reported Damages Dear Hunter Warfield, Inc, I am writing to formally request the deletion of an account that has been inaccurately reported on my credit report due to damages that I am not responsible for. The leasing office has unlawfully charged my account despite being aware of my status as a victim of XXXX XXXX 

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) **, victims of XXXX XXXXXXXX are protected from being held liable for damages caused by their abuser. This law explicitly prohibits landlords from charging tenants for damages that were a direct result of XXXX XXXXXXXX incidents. Additionally, the **Illinois Rental Housing Support Program Act** reinforces these protections, ensuring that victims can not be penalized for damages caused by their abuser. 

I have documentation that proves my status as a XXXX  XXXX victim, and it is clear that the charges reported by the leasing office are in violation of the aforementioned laws. This false reporting has negatively impacted my credit and my ability to secure housing in the future. 

I kindly request that you investigate this matter and remove the account from my credit report immediately, as it is not only inaccurate but also detrimental to my financial well-being. 

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

Sincerely,
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: American First Finance, Inc. (CA)

Got a late payment notice from American First Finance LLC XXXX XXXX XXXX XXXX Texas phone number is XXXX stating I oue them {$210.00}. I called the institution made a claim, told me to file a police report. Did that with XXXX XXXX case # XXXX. When talking to the representative from American First Finance they asked for a 10 digit account number but on the bill its a 9 digit number
Consumer complaint received 2024-07-29
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (IL)

I called credit collection management at XXXX. I gave my den my address and they couldnt find the account. I advise I dont have any medical bills owed. He told me to call all bureau and dispute if it not mine. This is not my bill please remove this account off my credit.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ) US DEPT OF ED XXXX XXXX account # XXXX {$4500.00} XXXX XX/XX/XXXX XXXX DEPT OF ED XXXX XXXX account # XXXX {$1600.00} opened XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$5800.00} XX/XX/XXXX UPDATE PAYMENT HISTORY TO CORRECT STATUS paid in full without any late payments 15 USC subsection 1666b TIMING OF PAYMENTS if you are unable to do that Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (NY)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Santander, 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 bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : XXXXSANTANDER ACCOUNT NUMBER= XXXX OPENED XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer XXXX credit report, which includes the aforementioned bogus account. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX  as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.