davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is 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 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/2022 Goldman Sachs alerted me to unusual activity with my credit card. My apple iphone was hacked. My apple id was breached & my apple wallet & bank account app were compromised. I closed my apple credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX  i paid the balance in full. That account no longer exists. I also lost XXXX that was on my applepay account. Goldman sachs continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called goldman sachs at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

I spoke with a representative named XXXX from the Fraud Department of XXXX Credit Bureau, who was very rude, I stated to him the debt has not been validated. However upon reading the response from the company, I never received a packet to the address on file to complete and return. I was also made aware today the debt was verified. If the Company can send it via email to XXXX so that I may fill out the packet for completion stating its FRAUD. Under the FDCPA I do not have an obligation to pay a 3rd party ( Convergent Outsourcing ) who does not own the debt originally. If the company can send me the documents with a WET signatures that I made a agreement to pay the alleged debt.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (TX)

In according with the Fair Credit Reporting act XXXX Account name- XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (AL)

I recently checked my credit and XXXX XXXX is reporting for rise credit for {$5000.00}. I never received a letter from them prior them placing this on my credit report. But this is typical of collection agencies to do. So they won't have to delete it from my credit report. I am having financial difficulties right now after I had a XXXX XXXX. My house payment has also went up to. {$1200.00} which has taken most of my income.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (TX)

Pioneer Credit RecoveryXXXX XXXX XXXX sent me a letter in the mail stating that I owed a debt to them based of an alleged previous debt owed to the department of defense that I have no knowledge of. They are reporting this debt to the consumer reporting agencies causing my credit score to drop significantly which is stopping me from getting a new place of residence and causing significant stress and hardship for me. They have not proven any rights to collect, provided any validation, or responded to any of my request for original information according to rule 1002.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

Towards the end of XXXX, 2022, 2 mobile deposits were made into my account. I called USAA and flagged them as fraud with their service representatives. On the following Monday, I called back because my application on my phone was not working. I was transferred to a lady who said that I deposited the checks that were fraudulent and am responsible for all the funds while USAA was exercising their right to discontinue my banking. They took my XXXX XXXX check and refuse to talk to me. I have been hung up on NUMEROUS times. They say I need to be verified before answering any questions but I have been completely deleted out of their system. I received a bank statement in XXXX or XXXX saying they still owed me a small fraction of the money they took from me. Everytime I call about my refund I get hung up on. The physical location is in another state. I can not just go talk face to face. I have asked numerous times for copies of the checks to see where they came from and the signature on the back. I have yet to receive anything after 5 Months.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WI)

I was signing up with care credit with XXXX dental to get work done. I gor a cleaning and x-rays. I got an estimate for the first round of work. I paid XXXX something. Thinking that was it. No other work was done. Looks like XXXX charged my insurance for those items. I paid care Credit for nothing apparently. Thought that was the end. Just got a call I owe XXXX. Now they want money for nothing. XXXX XXXX was very rude. I have disputed the charges. I need to know what I have to do to get rid of this.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I need my dispute claim # XXXX or # XXXX and # XXXX and # XXXX and # XXXX and to be # XXXX and # XXXX to be reopen or disputed or reinvestigated or make into a new dispute for or change dispute reason or investigative it again for {$110.00} and {$970.00} or give me a credit for {$110.00} and {$970.00} and {$30.00} and {$110.00} and {$970.00} and its is a fraudulent dispute but the last agents told me they couldnt reopen it because my account is closed please help me and please upload these documents to my both case # XXXX and # XXXX # XXXX # XXXX and # XXXX and # XXXX and # XXXX. I never authorized the payments it is a fraudulent unauthorized payment and # XXXX is for received service but they made a mistake on the birth certificate spell the name wrong please add it to case CFPB XXXX please contact me at XXXX and phone number is XXXX please reopen all the disputes you see on my account ending in XXXX and card number is XXXX XXXX XXXX XXXX that is debitcard and XXXX XXXX XXXX XXXX is credit builder card.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

XX/XX/, my mortgage company XXXX XXXX  transferred my loan to XXXX. I was told nothing should be changed on our end for the transfer. I had been paying my monthly mortgage on time each month. Me and my wife XXXX XXXX even called the new mortgager XXXX, they told us everything looks good to go. Our latest payment was deducted by XXXX, and new payments are going to XXXX. 
However in XX/XX/, we found out that both of our credit scores were dramatically dropped from XXXX under XXXX, a big more XXXX points drop, this affected our ability to get loans ever since. We both had perfect credit scores and were always able to get the best interest rates before this event. 

We did everything perfectly on our end, and as mentioned had been paying everything on time. Due to the errors by the two mortgage companies, they were not able to transfer the payments on time between time, or couldnt reflect it correctly on their system. As consumers we suffered credit drop, we contacted them to get the credit report removed so our credit score can be fixed. However its been 2 years and its still not fixed. 

The mortgage companies have confirmed on their end payments are received on time, and in their system adjusted as needed however never fixed our credit history. 
I would like to have both of my ( XXXX XXXX ) and my wife XXXX XXXX XXXX ) s credit monitoring be fixed with all three credit bureaus by the mortgage companies.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One and XXXX XXXX are in violation of several laws in regard to how they are reporting according to my consumer rights under the FCRA. The inaccurate reporting of both my account status and payment status are causing harm to my credit reputation and financial standing. 
The laws that were violated were 15USC1681-A, 15USC1681S-2, AND 15USC1681a2 ( A ) ( i ).

Dates and amounts will reflect in the attached credit report with circles indicating erroneous reporting. 
I have attached an Affidavit of Truth notarized as well to swear in testimony that I am a natural person and I consider these facts to be true and valid. 
I also mailed a copy of the attached documents directly to the CRA 'S and also to the Creditors listed above.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

A check from XXXX XXXX XXXX ( Agent for XXXX XXXX  ) sent a check via mail to XXXX XXXX XXXX XXXX, KY XXXX. This check was in the amount of {$10000.00}. This check has my Citi savings account number on it as well as my name. I have never received these funds in my Citi savings account. All representatives are saying it can not be found. That is the same information I already have. That is why I have reached out via phone and chat on more than 5 occasions. All representatives once arguing to get to a supervisor tell me there is nothing they can do with a check that was mailed. " Talk to the bank that sent it '' they say. I have, they investigated and found via a cleared check with a deposit only stamp from Citi that it was in fact deposited somewhere within the Citi system. I have this cleared check. I have told every single representative that I have clear proof that it was deposited. I am not saying it was deposited into my account, because it clearly was not. I am stating that it is somewhere it the Citi world. All they keep telling me is to reach out to the bank that sent it. Once deposited or cashed it is now on Citi to investigate. They refuse to do this. I have asked numerous times to multiple representatives where I can send this evidence and they refuse to take the evidence and investigate.
Consumer complaint received 2024-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Newman, Hesse & Associates, P. A. (AZ)

On XX/XX/year>, my employer notified me of garnishment proceedings for a 24-year-old judgment. My employer advised me to call the attorney on the letter for any information about the judgment. When I called the debtee, they stated they wanted the full {$1800.00} and would not release the garnishment judgment until the full amount was paid and if any info were needed I would have to contact the court which is in XXXX and I live in XXXX. I haven't lived in the state of XXXX in over 40 years.
Consumer complaint received 2024-06-28
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: WELLS FARGO & COMPANY (CA)

To Whom It May Concern, I am writing to file a complaint regarding the unfair and possibly discriminatory practices of Wells Fargo in handling my credit card account. On XX/XX/XXXX2024, I received a notification from Wells Fargo that my credit limit had been reduced from {$16000.00} to {$8600.00}. This reduction was made without prior notice and placed my balance over the new limit due to a pending transaction, causing significant damage to my credit score and financial stability.

Timeline of Events : Perfect Credit History, Prior to this incident, I maintained a perfect credit history, using my personal credit to support my business growth responsibly. I never missed a payment and kept my balances within reasonable limits. 

XX/XX/XXXX2024 - Limit Reduction : Without any prior notification, I received a letter from Wells Fargo on XX/XX/XXXX2024, stating that my credit limit had been reduced from {$16000.00} to {$8600.00}. This immediate reduction placed my current balance over the new limit due to a pending transaction. The balance due was raised to {$650.00}.

Impact on Credit Score : As a direct result of this sudden credit limit reduction, my credit score dropped significantly from a high rating to XXXX FICO. T

his drastic drop severely affected my creditworthiness, hindering my ability to secure necessary financing for my business. Violations of the CARD Act : Lack of Notification, The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 requires credit card issuers to provide at least 45 days notice before making significant changes to account terms, including credit limit reductions. Wells Fargo failed to provide any such notice before reducing my credit limit, thereby violating this provision. Over-Limit Fees : The CARD Act prohibits charging over-limit fees unless the cardholder has explicitly opted into such fees. Due to the sudden reduction, my balance exceeded the new limit, but I did not receive an over-limit fee notification or opt-in request, indicating another potential violation. Request for Resolution : I believe that Wells Fargo 's actions were not only unfair but also potentially discriminatory. The lack of proper notification and the severe impact on my credit score suggest that the bank may have unfairly targeted my account, possibly due to the recent inquiry for a business line of credit. When speaking with Senior Escalations Representative, XXXX XXXX XXXX XXXX, although she noted my concerns, the information provided back lack of metrics and " template answers '' which could not be justified.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (WA)

Chase Sapphire Reserve CC has travel insurance benefit.

Trip cancellation insurance is included in Card Benefit Services.

Submitted Claim to Card Benefit Services on XX/XX/2023. 
All conditions have been met for trip cancellation benefit through Chase.

XXXX statements, travel provider invoices and Chase Reserve card statements showing all payments to travel provider. All criteria have been met to approve this claim.

Card Benefit Services, ( XXXX  ) Claim # XXXX. 
After repeated phone calls from me, they insisted I submit documents again. I have done this 4 times. 
On XX/XX/2023, phone call/XXXX requesting an amended claim, as they did have a total for my claim and/or reimbursement total. 

Cancelled cruise due to medical emergency involving my husband, XXXX XXXX XXXX XXXX {$5700.00} ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$11000.00} to be reimbursed. 
Called again today, told it should be 2 weeks. Received same info last 2 times I have called. 
This will make almost a year for claim to be processed, tired of hearing they appreciate my patience.
Consumer complaint received 2023-08-19
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. (AL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of
information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates are in violation of my rights as a federally protected consumer. 
They are in violation of The Privacy Act of 1974 and FCRA. 
They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Portfolio Recovery Associates Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

They are in violation of 15 USC 1681a by reporting transactions and also in violation of 16 CFR 433.1, 433.2, and 433.3 Attached is my opt out letter as Portfolio Recovery Services failed to give me an opportunity to do so.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXXXXXX XXXX XXXX XXXX around XXXX. i went to TD Bank at XXXX XXXX XXXX to make a deposit of the amount of XXXX. in cash, and they state that the cardholder never at that ATM, if they can proof that i want them to view a camera at that time.

very much appreciated. 

Thank you, XXXX.