davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS (NJ)

The address below are fraudulent and do not belong on my lexis nexis CLUE report and needs to be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.So that being said the remove of these claims below should be in effect immediately Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX I request that you investigate and remove these 3 fraudulent inquiries from my client 's credit report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, permission to go into my LexisNexis report so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-12-21
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. (MD)

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 The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (CA)

On XX/XX/year>, I mailed a CLEARLY MARKED ( see attached ) check to Goodleap in XXXX Oregon from XXXX XXXX for a {$120.00} extra principle payment. 

Our account is current and on autopay from our bank. 

They cashed my check drawn on XXXX on XX/XX/year>, BUT NEVER POSTED IT. 

Since that time, I have emailed customer complaint address XXXX  times, called twice to find out why they didn't apply my payment to the account. I sent copies of the check and the bank information. They HAVE all of our information. 

Today is XX/XX/year>. I've attached a screen shot of my account. They can not tell me where my payment went. It has not been credited to my account.
Consumer complaint received 2023-06-17
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK (CT)

Myself and my husband have been trying to consolidate and refinance the student loans my daughter has with Discover ( I am the co-borrower ). The goal is to lower the interest rate and payments. 

Earlier this month, my daughter was approved to consolidate her loans- however the interest rate offered was at the max. We applied to be co-borrowers to lower the rate and were denied. " Income is insufficient & Delinquent credit obligations. '' We reviewed our credit reports and have XXXX accounts coded as adverse from more than 3 years ago. One payment missed. Accounts are either current or have been paid off. We have pages of " Satisfactory '' accounts- including all student loan accounts. 

Current debt includes student loans $ XXXX which we are trying to refinance. 

Our credit scores are great ( XXXX ) and income is $ XXXX. 

We complained to Discover about their unfair credit decision and they were unable to assist. They referred us to the credit agencies. There are no actual lenders- only the automate credit model they use. 

Discover 's underwriting criteria in their model is extremely unreasonable and unfair to graduates ( and their co-borrowers ) who are trying to manage finances. They are unwilling to work with consumers. 

It is extremely disheartening that very large financial institutions that make oodles of money can't have fair lending practices that help consumers.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX charged my XXXX debit card account for an obviously fraudulent amount. I reported it to them on XX/XX/XXXX. They could never explain what that was for and recommended to dispute with my debit card bank. I did just that. So my debit card XXXX XXXXXXXX originated the dispute and froze my debit card account. XXXX XXXX bank immidiately reported to all credit bureaus that I missed a payment and ruined my credit history because my score dropped by at least XXXX points. I called XXXXXXXX XXXX XXXX XXXX again on XX/XX/XXXX and requested to initiate now THEIR own internal dispute ( which is what they were supposed to do back on XX/XX/XXXX when I called first time ). They finally did - ref # XXXX. Though, today, XX/XX/XXXX I have learned that XXXX XXXXXXXX XXXX made a decision that this balance {$130.00} is valid and that I'm responsible for it. They failed to provide with any statements or any details on what this balance is about or any basis for their decision in response to my dispute and fraud investigation whatsoever!! Please don't let them to get away with this!!!
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: FISERV INC. (MA)

Subject : Dispute of Fraudulent Debt - Coordination Request with XXXXXXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to formally dispute a fraudulent debt collection attempt by XXXX XXXX XXXXXXXX, related to XXXX fraudulent checks made via my XXXX XXXX  which was hacked in XX/XX/2023. The specific fraudulent check ID numbers are as follows : XXXX. XXXX XXXX. XXXX XXXX. XXXX These charges were unauthorized and resulted from the hacking of my XXXX account. Despite reporting the incident to XXXX and having them acknowledge the fraudulent activity, these charges have been forwarded to XXXX for collection, resulting in ongoing harassment. 

I request that Telecheck coordinate with XXXX to rectify this situation and cease all collection attempts related to these fraudulent charges immediately. The continued attempts by XXXX to collect this debt are causing XXXX XXXX XXXX XXXX 

I appreciate your prompt attention to this matter and look forward to a swift resolution to stop the harassment from XXXX and clear these fraudulent charges from my record. 

Thank you for your assistance.
Consumer complaint received 2023-12-29
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Confirmations number was provided for completing form for XXXX and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My address isnt updated to where I live, its telling me where I lived a few years ago but Ive moved a couple times already. Also, my bank accounts arent the same and my recent job hasnt been updated.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I transferred XXXX $ from cash app to my debit card ending in XXXX at XXXX a.m. yesterday morning along with XXXX other transfers to the same debit card XXXX minute after the first was initiated the receiving Bank my debit card company XXXX stated the {$500.00} transaction was rejected cash app is telling me that it wasn't neither one of them will contact each other so my money just vanished and no one will take responsibility on where my money is and give me my money back so now I'm out {$500.00} neither company will help me
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Toyota Credit De Puerto Rico Corp. (TX)

This debt collector used unfair, abusive, and misleading tactics, all of which are against the FDCPA. They provided this account, on which neither I nor we could reach agreement. Two parties sign a formal contract, and I was not a party to any of the signings. Additionally, they didn't adhere to the correct five-step validation process, which makes their actions unfair. I am entitled to {$1000.00} under the Fair Debt Collection Practices Act ( FDCPA ), and it is obvious that my rights were violated.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
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. (NY)

My payments are always made on time ; I am certain of this. However, I am uncertain as to why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (PA)

On XX/XX/2023 a message popped up on my screen to call a number XXXX ) to protect myself from suspicious fraud/identity theft They identified themselves as from XXXX as did the pop up. I called the number and they said to secure my accounts I had to do a money transfer and told me I would get the money back in 20 minutes after the transaction to verify the account was locked down. In order to transfer the money they asked me to share my screen to direct me how to set up the transfer through XXXX which I never used then or had an account or app with XXXX. There was a total of 3 transfers.They could see the balance and I only figured out they were trying to take all the money by the 3rd transfer. XXXX XXXX XXXX {$280.00} confirmation # XXXX, XXXX XXXX {$290.00} confirm # XXXX  XXXX XXXX {$290.00} confirmation # XXXX ; all sent to me through XXXX confirmation emails. I went to my bank M & T who later denied the claim because I keyed in the transfer even though they admitted they knew 100 % that I was scammed. I filed a police report and have also never heard anything from them either. I was told by the bank that they would escalate my case and it was also later denied for the same reason. Everyone acts like theres nothing they can do but they also knew the money was transferred into a XXXX  XXXX XXXX account that is known to be scamming as is the XXXX telephone number. I believe the recipe I clicked into was on the all recipes website. The scammers are still operating with the same number because my daughter called the number and said she received a pop up just like I did but told them she wasnt home. They then called her 37 times within 2 hours to try to get her to give her info or pick up the phone. She then blocked them. The bank told me to file a police report the day after the transfers and I have not heard anything from them either.Police report XXXX XXXX XXXX XXXX, case no. XXXX
Consumer complaint received 2024-07-30
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/year>, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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 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
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (OH)

I will have sufficient funds in my account and then I will have a bunch of transactions pending and then a week or two later I will be have negative funds. Its not fair when we know we have money and then boom its gone. It would take the money out of my account and still say pending charge like what.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

In XX/XX/XXXX, my car was Voluntray repossessed due to the car being a lemon after the engine had gone out and bridge crest failed to fix the problem. Before the incident, i had put towards the vehicle {$12000.00} over time making my car payments that were due monthly, none of my payments went towards the principal of the loan and no one can explain to me where the money was after speaking with numerous of people. In XX/XX/XXXX, i have talked to reps to get an outstanding balance resolved to do a settlement they offered {$4000.00} within in 30 days which is completely insane. I spoke with my lender whom stated that bridgecrest is still reporting the vehicle was repossessed as of XX/XX/XXXX. I spoke with XXXX, who stated that the account is charged off but that is not what is showing on my credit report, it currently showing repossession. They failed to resolved the issue and explain to me where {$12000.00} went to of my money
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

On XX/XX/2021 XXXX XXXX report shows incorrect information. Lists a bank account with Routing # XXXX acct # XXXX I have no know of this account. The address listed on XX/XX/2021 is incorrect, along with my email address listed, name and phone number. 
My chex system report shows on the same day XX/XX/2021 a hard inquiry from American web loan With the same incorrect information listed on my XXXX XXXX. I believe my identity has been compromised. I have been denied over and over again for bank accounts, credit cards, car loans, Im paying a higher premium for car insurance and finally getting a car loan thru a buy here pay here dealership my interest rate is 19 %
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: Experian Information Solutions Inc. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-30
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: Bread Financial Holdings, Inc. (TN)

In accordance with the fair credit Reporting act comenity bank/ Jared acct # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Consumer complaint received 2024-07-24
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: Informative Research (NJ)

I was unaware of the XXXX increase that was on my XXXX report. I had called and sent documentation to XXXX which XXXX failed to remove the XXXX XXXX, which I file an FTC report.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

My account was closed on XX/XX/XXXX for violating terms and agreements of my account. I was asked to verify my identity and verify where the funds came from to prevent fraud. I had done so multiple times and was just told they will not be refunding any money received from a life insurance policy and employment. They couldn't even disclose what exactly did I violate.
Consumer complaint received 2023-12-21
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 am a victim of identity theft. I've recently checked my credit report from Experian and XXXX and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXXXXXX XXXX fraudulent account was disputed and deleted in XXXX of 2023 ( please see the attached XXXX dispute results ). However, Experian and XXXX credit reporting agencies reinserted the fraudulent account after a month without notifying me.