davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-07-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I have a {$100.00} dollar Vanilla gift card. I have tried using it on XXXX, online with XXXX, and a number of different websites, and no one would take it. I went to XXXX different stores and tried to pay with it, and it could not be read by any card machine. It expires today so I tried to use it at a restaurant and it wouldn't go through. I called the number on the back and it said it only had a balance of XXXX and I never used it.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (AR)

XXXX companies filed hard credit reports on my credit report that I did not make. 

XXXX. Regional XXXX on XX/XX/2023 filed a XXXX  credit when it should have been a hard credit. I would like this to be investigated. Phone XXXX XXXX or XXXX XXXX. XXXX XXXX XXXX on XX/XX/2023 filed a XXXX  credit when it should have been a XXXX  credit. I would like this to be investigated. Phone # XXXX. 

I have tried to call and get this fixed, but I can't get anyone on the phone. Thank you XXXX XXXX Phone Number XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, plus or minus a day or two, my checking account was compromised. A representative from Wells Fargo notified me and I immediately changed my account. A week later my debit card was compromised and again, that card was canceled and a new card issued. But here is where the problems begin. The new debit card was mailed to a different address than where I live. I gave no permission to this nor did I give a pin number to said person as Wells Fargo claims center continually keeps telling me I did. So after seven days, I went to bank and told them I had not yet received my new card. When teller looked up to trace she told me it was sent to an address in Texas. The teller also informed me that XXXX $ had been transferred from my savings to my checking/debit account and many transactions had been made. ( a total of XXXX $ ) We immediately canceled this card and again a new card was issued and scheduled to be delivered. When I received a letter from Wells Fargo about my new card that was scheduled to arrive, my address was correct. So I looked back on a the previous letter sent to me about the compromised card, there was no address listed. I have filed three complaints for Wells Fargo to investigate. The only response they keep giving me is that it is my fault. Please look further into this as I DO NOT : 1 ) give permission to mail my new debit to someone in Texas 2 ) know anyone in Texas claim # : XXXX
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (SC)

I am a XXXX XXXX.. and wells fargo has been troubling me for the last XXXX  years.. I have tried everything in my power to resolve it with them and they keep asking me to call back after XXXX hours. i have done that XXXX times now.. They keep giving me the round about and troubling me. i have XXXX XXXX XXXX and i have no help.. i am visiting my daughter and i would not be back in the country, they keep creating issues for me and their representatives dont know how to talk. Help me access my account. This all started when i tried to do a simple wire transfer because i am travelling and granddaughter is getting married in XXXX  days and i am in a different country with no access to my money
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

1. On XX/XX/2024, I pulled my credit report and discovered how Capital One Auto Finance has been furnishing my income and transaction history, to credit reporting agencies. Per the Internal Revenue Service, " charge-offs '' are considered taxable income and my income is non-public personal information that Capital One Auto Finance has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. Those entities are 3rd party companies. 

2. Due to the said actions of Capital One Auto Finance, I have faced socioeconomic discrimination in regard to credit transactions and I have been injured by their furnishings ( my non-public personal information provided to a financial institution ) of the respondent. I have been denied credit and access to my to my human right of realization pursuant to 42 USC 1981. Pursuant to 15 USC 1681b Permissible Purposes ( 2 ), the respondent was never granted written consent. If in any way the respondent was granted written consent, it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority. The respondent 's unauthorized actions act as unauthorized use of my credit card and the action taken against me has caused emotional damage and distress. It is humiliating and embarrassing being denied my own credit. 

3.Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer may have given the respondent with or without proper consideration, written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 . I was never provided adequate notice that I can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. 

4. If the respondent 's answer to this complaint is served upon me by an attorney or any member of the American Bar Association, I would hope they heavily consider their oath whereas it states " I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. '' Any action against this oath is misconduct and actionable per se.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I opened a dispute with Synchrony Bank my XXXX XXXX  card due to only having the furniture for XXXX months and the cushions and the foam were separating and the claim was being investigated. A few days later my XXXX card limit decreased and then they started to do that to all my synchrony accounts. I have never missed a payment never been late and have always liked Synchrony Credit services until this happened. In any event I just purchased a home XX/XX/XXXX and needed to do some repairs so yes I might have used my cards a little more than usual but again I never missed a payment. I can't believe XXXX  got reduced as it had a XXXX balance for XXXX months. I was furious I called and closed the account. I would like to speak to someone at Synchrony XXXX XXXX about this because this is really sad they lost a good customer and I want to discuss this with them.
Consumer complaint received 2024-07-02
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter, and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After a recent review of my credit report, I discovered an entry indicating a bankruptcy claim associated with my name. Upon further investigation, I have determined that this claim is inaccurate and not reflective of my financial history. It is annoying and distressful that this fraudulent bankruptcy keeps on persisting on the credit report. Regardless of its fraudulent identity, as the XXXX XXXX XXXX, this account should be removed already as it has already been for more than 7 years! 
The details of the bankruptcy claim are as follows : Bankruptcy chapter XXXX Reference number : XXXX PLEASE DELETE!!!! 
I am formally disputing this bankruptcy claim and kindly request your assistance in conducting a thorough investigation into this matter. I understand the importance of accurate credit reporting and the impact it can have on my financial standing. Therefore, I request your prompt attention to this matter to ensure the timely removal of the erroneous bankruptcy claim from my credit report.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I applied for a loan with Golden 1 Credit Union along with a checking and savings account that was denied clearly due to discrimination. I am an eligible consumer applying in good faith. Golden 1 Credit Union used my credit card ( social security card ) fraudulently because I did not receive a benefit, instead I received an adverse action letter. Golden 1 Credit Union also refused to open my checking and savings account that I requested to be opened at the same time of requesting the extension of credit. Another example of me being discriminated against. I requested these accounts on XX/XX/23. I sent a letter and the vice president responded with further explanations of her discriminating against me. I then sent her a letter stating the laws her company violated. These companies commit fraud against us consumers right and left and I am writing to the CFPB to fix this because I am being denied necessities in life and its unfair and against the law! Please handle this promptly!!!!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am unable to review my credit report and anytime someone tries to pull from Equifax they are unable to. I reached out to them and they had me send my ssn and ID along with a letter of my current address to an address they had given me and I am still running into the same situation when trying to apply for something. Apparently I have no credit report or credit file with them.
Consumer complaint received 2023-10-04
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)

It has now reached a point where I can no longer tolerate the sheer incompetence and apathy exhibited by your bureau in addressing the fraudulent bankruptcy entry on my credit report. Despite my numerous attempts to have this blatant error rectified, it continues to persist, and I find your lack of action nothing short of infuriating. 
Bankruptcy XXXX XXXXXXXX Reference number : XXXX My previous correspondences and escalations have fallen on deaf ears, and your apparent indifference to my predicament is nothing short of infuriating. Your failure to take meaningful action on this matter reflects poorly on your agency 's credibility and competence. It is high time you acknowledge the gravity of this situation and take immediate steps to rectify it.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AL)

XXXX XX/XX/XXXX i was searching for a new phone and XXXX requested a credit check I sent a letter to dispute it but its still on there. I never got a phone from them nor was I billed for anything. 

XXXX XX/XX/XXXX I check my report and seen it was on there I have no clue where it came from I tried to dispute but nothing was done.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (TX)

Ally Financial is still reporting incorrect closure date of the loan, I have filed a previous dispute with CFPB and the creditor agreed to update my credit with current information, but ALLY is continuing to report incorrect charge off dates for the loan. The loan was opened in XX/XX/XXXX and closed by charge off in XX/XX/XXXX. ALLY is reporting the loan opened in XX/XX/XXXX and closed XX/XX/XXXX. This isn't correct I need the creditor to correct this with accurate information and report to all three credit bureaus ( XXXX, XXXX, XXXX ) CFPB Reference Number : XXXX ( prior claim ) Please Transunion credit report attached and ALLY LETTER
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # : XXXX, Account # : XXXX, Account # : XXXX 15 U.S.C 1681 section 602 A. States I have 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 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stewart Information Services (NM)

A XXXX  party is claiming rights of possession, XXXX XXXX XXXX, a broker at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX we were shookenn up by an unanounced search and seizure by the XXXX XXXX XXXX police on a pending case of title dispute/forgery, duress, where parties have not complied in returning the warranty deed of XXXX XXXX and XXXX XXXX to XXXX XXXX nd XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the XXXX already collected plus the XXXX given to XXXX XXXX  XXXX prior the XXXX  servicer sold the loan for collections to XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this negative, including these incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMs : XXXX XXXX : Bankruptcy Reference Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MI)

In XX/XX/XXXX, I switched my service to XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX because I was unable to pay online since they had shut down my online account when I switched. A customer service representative processed my payment of {$530.00} and confirmed that all outstanding balances were settled and my account would be closed. However, in XX/XX/XXXX, I received a call stating that my account was {$2000.00} past due. I requested a detailed statement to understand the charges. The representative informed me that they could not access my account details because it was closed. XXXX continued to bill me for services after I had switched to XXXX XXXX XXXX  XXXX which I consider fraudulent. As a result, they sent my account to collections. I kindly request that this debt be removed immediately, as I was not using their service during the period in question, and my balance was confirmed as paid in full in XX/XX/XXXX, with the account closure verified.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (NC)

Reporting Account XXXX 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 nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for and purpose
Consumer complaint received 2024-03-07
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. (FL)

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.