davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Double D Finance dba Idaho Finance (ID)

Idaho finance is claiming there's a debt for a note loan on my credit report which is negatively impacting my credit score. The business closed its doors and is no longer available to speak to about this matter. If this was a shared debt between my now separated wife XXXX XXXX XXXX and myself and this institution then they need to be reporting against her credit also and attempting to get any and all payments organized with her.
Consumer complaint received 2023-09-16
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. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX I called and spoke to a credit card representative for my Ulta Beauty Credit Card with Comenity Bank. I paid off my balance and the rep said she could take {$15.00} off the late fee. Once we settled the balance I asked to close my card, first asking " I am all good? I don't owe anything? '' The rep responded " No, you're all good to go! I will close the account. '' A month later on XX/XX/XXXX I received a bill for {$15.00}. I called Comenity and spoke with a rep who said they can't settle a closed account and my only option was to pay. I asked to speak with someone else to make a dispute. My call was transferred to a different department, a Customer Advocate, who said that he could see that the {$15.00} should have been waived, as that is the standard amount of a late fee they take off, and it did appear to be an error on Comenity 's part. He said he would take all my information and his supervisor would call me to verify. I never received a call. 
On XX/XX/XXXX I received another bill this time with a late fee on top of the {$15.00}, totaling {$33.00}. I spoke to three different people when they called that morning to collect payment. XXXX, a customer advocate, answered her phone saying " I am going to disconnect now '' and said someone cold transferred me to her and she can't help me so she was going to end the call. I asked her to make note of my complaint. She did and filed a dispute on my behalf saying that she could see the previous complaint made with the note that it was closed a day later on XX/XX/XXXX. She told me it was unlikely that this issue would be resolved and I should pay the {$15.00}. I asked to be transferred to a supervisor or someone who handles disputes. She said she would not and when I asked " Ok, are you refusing to transfer me? '' She said " Can I put you on hold while I file the dispute and I will transfer you after? '' She then hung up on me. 
I called back and spoke to a different representative, XXXX, who said she understood my concerns. She spoke with a supervisor who said it is obvious that the {$15.00} left on my account was an error and they credited the account and I should not receive another bill. 
On XX/XX/XXXX when I called to check the balance of the account, the balance has now increased to {$36.00}.
Consumer complaint received 2023-09-16
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. (SC)

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 name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX experian XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, a fraudster successfully infiltrated our Wells Fargo bank account, creating a payee under my name, XXXX XXXX, albeit we later discerned the actual name was different ( XXXX XXXX, someone I don't know ). Following this, we were contacted to wire {$XXXX} to the said payee to prevent the wire from executing, under false pretenses. 

Notably, the call originated from the customer service number displayed on the reverse side of our debit card, which instilled trust in us regarding the authenticity of the caller. He was also able to state the last few transactions that we had done on the card. This is even though we had the card in our possession. Then he rattled off a few more recent transactions that he claimed were denied as fraudulent and we could not see them on our account. His ability to call from the CS number at Wells and confirm recent transactions built trust with us which he used to defraud us. 

The funds were consequently transferred to another Wells Fargo account. However, within XXXX minutes post-transfer, we realized the discrepancy upon identifying the actual name on the wire transfer. We immediately contacted Wells Fargo 's fraud departmenta call recorded for quality and service assurance. The representative assured us that the transaction would be halted, given the recipient bank was also Wells Fargo. 

We did receive a call from the fraud department to ascertain the unintended nature of the {$XXXX} wire transfer, affirming it was not meant for an acquaintance. We kept calling and reaching out. On XX/XX/XXXX, almost 2 months after the fraud, Wells Fargo said they were able to retrieve {$XXXX} from the account. I find this unacceptable. If the fraudster was another Wells Fargo accountholder, and they were able to access the account after XXXX months, they surely had the ability to access that account sooner and take action as shared the customer service personnel at Wells Fargo ( that call was recorded for quality assurance ). I would like to receive the remaining balance of my account and would also like to know if Well Fargo had conducted a proper KYC before granting that fraudster an account. In addition, have they taken any legal actions against the perpetrator of the fraud or is that person defrauding others as well? 

I hope you can help me achieve better results on this. 

Best, XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (CA)

I have never done any business nor had I heard of Debt Recovery Solutions. I do not owe them any debt. They reported my debt with XXXX that is over 7 years as a brand new account and brand new collection. 
I had an account with XXXX 7 years ago and I paid as agreed until I was effected by the government shutdown and did not receive a paycheck for 3 months. They continued compounding interest on the loan and by the time I was paid and could make a payment to them my loan had doubled the original amount of the loan. The company was unwilling to work anything out for me to catch up. They kept the loan account open for over 6 months stacking interest on the delinquency and then closed the account. They removed the collection from my credit several years ago and I have not heard anything from XXXX since. Then Debt Recovery Solutions started reporting the account as a brand new account collection.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm an authorized signer on XXXX Capital One credit cards. Both myself and the primary card holder have requested Capital One remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. Capital One has refused to assist, even though we were told by Capital One 's security team this is possible.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

REF : Property at XXXX XXXX XXXX XXXX, XXXX Florida XXXX. Appraised at {$720000.00} Subject : Urgent Matter Regarding Navy Federal Credit Union 's Failure to Disclose Home Purchase Loan Requirements and Harm Caused to a XXXX Veteran Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health and spirits. I am writing to bring to your attention a distressing matter involving Navy Federal Credit Union ( NFCU ) and the difficulties I have faced in securing a home purchase loan as a XXXX veteran. 

As a veteran with a XXXX % XXXX, I have always been proud to have served my country and equally grateful for the benefits that have been provided to support my well-being. Having recently decided to purchase a home, I believed that obtaining a home purchase loan from Navy Federal Credit Union, an institution widely recognized for its commitment to veterans, would be the most suitable option. 

My experience with Navy Federal Credit Union began with enthusiasm, but unfortunately, it took a frustrating turn due to their failure to disclose all the necessary requirements for the home purchase loan in a timely fashion. During the loan application process, I was not fully informed of specific documentation and other critical that were required for funding approval. As a result, the loan process was unnecessarily delayed, causing severe harm and distress. 

The undue delay in funding my home purchase had several significant adverse consequences : 1. Emotional Distress : The constant uncertainty and XXXX  caused by the delayed loan approval severely impacted my emotional well-being, exacerbating the challenges faced due to my XXXX. 

2. Financial Strain : The delay in funding disrupted the entire home buying process and led to additional costs, including extension fees for the closing period and increased interest rates, which further strained my financial resources. 

3. Lost Opportunities : Due to the delay, I missed out on other potential home purchase opportunities and experienced further financial and emotional distress trying to identify new suitable properties. 

4. Impact on Family : My family 's living situation was adversely affected due to the prolonged uncertainty, leading to increased stress and instability. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. 
Email : XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

My credit report shows I owe XXXX {$230.00}. I have never had a XXXX account in my name. Please provide me with a service agreement for XXXX services signed by me. If a service agreement signed by me can not be produced, please remove this collection from my credit report.
Consumer complaint received 2024-09-10
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: Consumer Portfolio Services, Inc. (GA)

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from Consumer Portfolio Service on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX - XXXX XXXX no support from Bank of America credit card. 

My return was not possibly although the company, the owner and sales rep said they would take it back. The problems, the items do not match the contract. When calling they say they will arrange pick up. Then they would update the policy on their site. See below : I paid to have each item assembled and the trash taken away. {$2600.00} in assembly alone. Their assemblers ran into my garage door causing an additional {$1800.00} in damage. I can not return a marble dining table at my expense that they assembled. There is no way to determine the product is incorrect without assembly. There is now way to determine a table is matte not gloss without assembly. There is no way to see the product is poly urethane not leather without assembly. The owners are complete fraud. They even added pictures of my custom made product to their site and had multiple ratings of XXXX out of XXXX when I hadnt even received the XXXX of a kind product. XXXX would not return calls and make promises they never followed up on. I spent XXXX on polyurethane not leather, received incorrect product and bank of America, my bank for 22 years offered no support for the fraud.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/year> Notice of Intent to Sue for Unauthorized Sharing of Nonpublic Information Dear, Destiny Card I am writing to formally notify you of my intention to pursue legal action against you for the unauthorized sharing of nonpublic information that belongs to me. It has come to my attention that you have disclosed sensitive information without my consent, which is a violation of our agreement and could have significant repercussions. 

The specific information in question includes [ describe the nonpublic information ], which was shared with XXXX XXXX XXXX XXXX. This disclosure has not only breached our trust but has also caused potential harm to my personal and professional interests. 

I request that you cease any further dissemination of my nonpublic information immediately and provide a written/email acknowledgment of this request Failure to comply may compel me to take further legal action to protect my rights and seek damages for any harm caused. 

Please consider this letter as a serious matter. I hope we can resolve this issue amicably. However, I am prepared to take all necessary legal steps to protect my interests. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-15
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. (IN)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (RI)

On XX/XX/year>, I purchased a couch from XXXX XXXX on XXXX XXXX for {$300.00}. She asked me through XXXX XXXX to use PayPal Friends and Family which I did. The transaction went through. When I returned to the conversation on XXXX XXXX, the conversation had disappeared and so did the listing for the couch. I realized gthat i had been scammed and immediately went to PayPal to dispute the transaction. I was refused as it said that since I used " friends and family, '' I was not covered under buyer protection. I tried to send a message to the seller, and I could not ... it said that I could not contact the seller. So, I called PayPal in a panic. They said that since I used " friends and family, " I could not cancel the transaction or ask for a refund, that the money was transferred and I had to pay it. I asked what i should do since I suspected fraud. they said to contact my bank since the transaction ahd not, yet, gone through. I did that and my bank said that all they could do was to close my account and to open a new one. I did that. The next day, i got an email and a few phone calls from PayPal saying that I owed the {$300.00} and that I had to release these fund to them from my bank. I refused and, now, I see that my account on PayPal is deliquent for the {$300.00} and that I can't send or receive funds though PayPal.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

I took out a small personal loan at our local bank to last XXXX. We paid the loan off on XX/XX/XXXX  & I have a letter from the bank stating as such. Equifax changed their reporting to reflect as such, only to change it back 2 days later. I filed a dispute on the matter with Equifax. When the issue wasnt resolved, I called them. I was told the bank was reporting a current balance as of XX/XX/. I filed another dispute & called the bank. The bank has acknowledged the loan has been paid in full & the account closed. On their system they show the correct info being reported to Equifax. I spoke to the individual at the bank who handles the reporting to the bureaus on XX/XX/XXXX  & she informed me she would resend the updated info to Equifax. This morning XX/XX/XXXX  I get info from Equifax regarding the disputethey are still showing a balance on the account as of XX/XX/. XXXX has the info correct. Not sure why this is so difficult for Equifax to figure out & correct. They told me to contact the bank, I did. The bank contacted them & they still do NOT have it correct. It should NOT be this difficult to get a company to admit an error on their part!!
Consumer complaint received 2023-09-16
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. (NY)

I'm an authorized signer on two XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.