davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (NY)

" I am formally disputing these credit inquiries as they were made without my explicit authorization, violating my rights under FCRA 1681b and 1681c, as well as the XXXX XXXX. These sections require permissible purposes for inquiries and accurate reporting, which have not been met. Additionally, FCRA 1681i and 1681s-2 guarantee the accuracy and completeness of credit information. My rights have been violated, and I demand the immediate removal of these unauthorized inquiries to correct and ensure the accuracy of my credit report. Failure to address this issue promptly will compel me to consider further action. ''
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

I have been trying to get a copy of my Lexis Nexis consumer report including my XXXX  report. They say I can get it online but it doesnt give it to me and then when i get it in the mail I can never get the report. There is always trouble with the code they give me to open it.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (GA)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$270.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I paid the balance of the card in advance of the due date, yet I was still charged Interest on the balance after the cycle closed. I called the bank 's customer service and the claim the charge is valid and will remain on the account. I asked to speak with the supervisor who again asserted the change is valid and refused to credit it back to me. at which point she closed my account.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

XXXX  XXXX not refund XXXX chime purchase And chime us actually bank not a purchase any thing account in or open account chimn bank XXXX And transfer XXXX this account. As say chime purchase They do activity first go my husband account and transfer money account and send same day transfer chime purchase I want my money back this capital indent to pay back we go to branch lady name XXXX XXXX hours discus finally she say you already received but the bank XXXX XXXX laying payback my money I mark down this its fraud and snap shot add Please refund my money
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX I used Venmo to secure a deposit with a business that specializes in shipping cars. 
On XX/XX/XXXX I initiated a dispute for services not rendered due to the shipper not completing their end of the contract XX/XX/XXXX Venmo requested evidence of the transaction or my side of the story. I provided screenshots of my conversation with the freight broker. 
XX/XX/XXXX the freight broker informs me Venmo has deducted the deposit {$80.00} from their account. They proceed to tell me I need to cancel the dispute and harass me for a few weeks XX/XX/XXXX I notify Venmo of the harassment in hopes it escalates my dispute On XX/XX/XXXX I contact customer support to check on the status of my dispute XX/XX/XXXX I reach back out to Venmo and I am told that after 50 days it would be found in my favor. 
50 days passed and I have still not received any communication from an account specialist, and customer support tells me There is nothing they can do because they are not account specialists and the people that can help me do not speak to the public. 
XX/XX/XXXX I lose faith in Venmos customer service policies XX/XX/XXXX I XXXX the Consumer Financial Protection and file a complaint.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX first set of letters arrived XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed this debt, and they never replied in a timely manner, see attached letters. They also said that they could not verify that I did pay this debt in chapter XXXX bankruptcy I have attached a statement for your review. XXXX XXXXXXXX set of statements came on XX/XX/XXXX, XXXX sets of statements, than XXXX sets of statements of XX/XX/XXXX, please find attached.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Below is described a sequence of events from the start of the issue to present day. 

- Check deposits by H ( me ) on XX/XX/XXXX at a Wells Fargo ATM $ XXXX + $ XXXX + $ XXXX = a total of $ XXXX. The checks were issued by XXXX 's father to give H money to acquire some shares of a family house on XX/XX/XXXX. 

- H obtains a receipt from the ATM for the deposit stating that the deposit will be reviewed. No money or information on the deposit is visible on my account in the next hour. H calls Wells Fargo customer service immediately to file a claim and is told that the checks are under review and resolution XXXX take XXXX business days. 

- Seeing that nothing was happening leading up to XX/XX/XXXX, XXXX tells Wells Fargo that he is going to get the money via a wire from his father ( sent on XX/XX/XXXX ) instead and asks if the check processing can be interrupted. 

- Despite H 's request, the check deposits still go through and money is pulled from XXXX 's father 's account at XXXX on XX/XX/XXXX. 

- H waits to see if the money from the checks will reach his account after being pulled from the issuing account. 

- Nothing happens for several days and H asks in person on XX/XX/XXXX for Wells Fargo to act so the money is either returned to XXXX or gets deposited on XXXX 's account. An email thread including XXXX XXXX ( Wells Fargo ) and XXXX XXXX ( XXXX ) is opened on XX/XX/XXXX formally asking in writing for a resolution. 

- XXXX also investigates the issue and confirms that all three checks have been processed and pulled from XXXX 's father 's account. No further action can be taken by XXXX since the checks have been fully processed. 

- A case is opened at Wells Fargo by XXXX XXXX on XX/XX/XXXX - case number XXXX. 

- Nothing happens for several more days. H inquires again and asks for action. 

- On XX/XX/XXXX, XXXX XXXX opens another case - No XXXX. 

- Nothing happens until XX/XX/XXXX. No information is provided back to XXXX XXXX money is credited to XXXX 's account. 

- On XX/XX/XXXX, H asks XXXX XXXX by email : Can I please have the name and email of someone at a high enough level to get Wells Fargo 's mistakes corrected? He also asks that the money ( $ XXXX ) be credited to his account by Wells Fargo immediately, regardless of the status of any current case. 

- Today is XX/XX/XXXX. The money is still lost somewhere at Wells Fargo and is still not on XXXX 's account. 

- At 5 % rate of return ( T Bond ), this is costing H and father at least {$20.00} a day.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (AL)

My id was stolen and multiple accounts were opened under my ss # I filed police reports and have sent them in. On or about XX/XX/year> I received a alert from XXXX that my XXXX  score had dropped over XXXX points. After checking my credit file I saw that Consumer Adjustment Co. has put a collection notice on my report for non payment. in the amount of {$2600.00}. This is not my account i have started a dispute with XXXX and notified Consumer Adjustment Co. I don't know what else to do I would like to have this removed from my credit file. I have all my and my wife 's bills taken out in full automatically from our checking account, we don't have a mortgage and don't carry balances on our credit cards.
Consumer complaint received 2024-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had a credit card opened in my name without my consent I have been trying their dispute process and they just dont care what I tell them or what I sent them. This has gone on for over a year, me trying their dispute process. Until I contacted a fraud specialist and got a list of things I could do. I sent in a police report an affidavit a copy of my birth certificate and social security card per the specialist and just today I contacted capital one to follow up and they said they got my packet and documents and that they still dont see any signs of fraud. So idk what to do anymore, I cant finance anything because of the negative remarks on my credit. I never done anything credit related my whole life and now when I decide to start I cant. I have attached a photo copy of a rental agreement that proves I was not at the address that was used to open said card. I have attached an affidavit that I sent and a copy of the police report that I also sent capital one.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-22
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: Exeter Finance, LLC. (MI)

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXETER FINANCIAL XXXX : XX/XX/year> EXETER FINANCIAL LLCXXXX XXXX XX/XX/year>
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX, Experian and XXXX.
Consumer complaint received 2019-07-01
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 (NV)

I noticed that I had an inquiry from this company on my credit report. I contacted the company and they couldn't not provide any information via phone, so I dated a letter to XXXX  requesting the inquiry be removed or validation be provided. I received a letter from Synchrony Bank dated XX/XX/XXXX stating that they has validated the inquiry but DID NOT provide a contract, application nor a signature giving them ANY authorization to do a hard a inquiry on my credit on XX/XX/XXXX. I called Synchrony Bank on XX/XX/XXXX and spoke with a representative " XXXX '' Employee ID XXXX and she confirmed that the inquiry was inaccurate and would be removed and I would receive a letter within 5-7 business days as they COULD NOT find an account, file not contact that I signed for credit and the inquiry would be removed within 30 days. 

That has yet to happen. On XX/XX/XXXX I sent a SECOND request to XXXX  and Synchrony Bank. I received yet another response from Synchrony Bank stating that I had applied for credit but they had failed to provide proof of such information. There wasn't a response from XXXX.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (OK)

The credit union used artificial intelligence ( XXXX ) to covertly listen in on my conversations with Navy Federals customer service representatives. I was never told that my conversations are being monitored and analyzed by bots, neither did I consent to this type or secret recording. I was required to share private information like social security numbers and bank account details. Navy Federal has used this information to freeze, cancel all of my accounts- adverse action.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (CA)

Selene Finance company is very hard to communicate with. I have called on several dates in XXXX, XXXX and now XX/XX/XXXX to get help. Selene does not have a direct customer service line. An individual has to go through many calls to various prompts that do not result in a customer service line to a person. I have even been given a prompt of the number 8, that does not work anywhere. Then I applied to the XXXX XXXX XXXX XXXX 2 times now and have been denied due to my being scared of foreclosure while waiting for them to respond. There is nothing that says that my delinquency must be maintained for months beyond what I applied for without any payments being made. 

My situation is that I am behind on my mortgage due to a sudden reduction on my income sources and I need to get some help while I bring my income back up. My main sources decreased. My child support was cut off entirely without any notification and the company that I work with changed how it does business and our payment structure that has left me reeling and back peddling to pay bills. In addition, I have had multiple bank mishaps this year, with the XXXX XXXX failure and compromised account on another. 

I need to contact them to verbally speak with my Loss Mitigation Specialist : XXXX XXXX, but the only number to call is the same one that does not connect to people. Please help me get some resolve. I do not wish to lose my home and the HAF program keeps refusing me because I was afraid of foreclosure and borrowed money from my children to pay XXXX payments in XXXX to bring the mortgage to 2 payments past and not 3, which would mean foreclosure will start. I am being denied because I did that when the rules that I read state that I must have been past due prior to XX/XX/2023.
Consumer complaint received 2024-06-09
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA (IL)

On XX/XX/year>, I requested that the lender give me information on how to apply for cancellation of my private student loans on the basis of fraud and/or misrepresentation by my school. I have two loans through this lender that were taken out from a school already deemed by the court of law to be fraudulent and predatory. I asked for a process of relief for this reason and I uploaded a cover letter describing the issue along with a detailed application listing the affected loans, how my school was predatory, and the harm that it has caused and supporting marketing materials from the school. I also uploaded my federal loan email stating that the federal loans taken out from this school were approved for discharge due to the aforementioned reasons. I received an email response on XX/XX/year>. They said that discharge due to misrepresentation is a federal loan program only.
Consumer complaint received 2021-11-07
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: Bull City Financial Solutions, Inc (NC)

XXXX is reporting XXXX derogatory account on my credit report by the name of XXXX XXXX XXXX. I have sent over XXXX dispute letters since XX/XX/2020 to XXXX asking them to investigate the account and I have yet to receive a written response with validation documents or see any updates on my credit report.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need my claim number Claim number XXXX to be reopen or re investigation or investigation again or turn into a new dispute and investigation again or give me a one time credit for {$470.00} because I disagree with the decision and I can't dispute it with XXXX and they won't help me get my money back or dispute it for me they told me to contact my bank and dispute it with them etc.My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (WV)

I got a summons in an amount of XXXX On Barclays Bank of Delaware which was turned in to XXXX XXXX. I did not use this card My ex husband used it when the divorce was final I know nothing about this card where it was used or anything The summons was filed on XX/XX/4 I just received on XX/XX/XXXX XXXX XXXX I have called XXXX them selves and filed for fraud I am now trying to hold of XXXX XXXX to report fraud to them
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA XXXX requires us to report any inaccuracies in a consumer 's report.
Consumer complaint received 2023-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fairway Collections, LLC (WA)

Fairway collections refuses to supply me with an opt out disclosure letter.they are refusing to allow me to opt off of sharing personal information. When I asked them to furnish letter I was yelled at by three different people telling me that they do not have to furnish the opt out disclosure and told me to XXXX information because I was not familiar with the law
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IL)

The research team, as well as senior management will not respond to me, but they are purposefully reporting my information falsely to the credit bureaus and doing so with malice. I have disproven their " research '', yet they refuse to correct their mistakes.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a cash deposit at ATM of Bank of America at XXXX on XX/XX/year> at XXXX XXXX, XXXX, XXXX, Texas : amount {$4300.00}. ATM XXXX XXXX but deposited not processed. And ATM printed out : We are apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic claims team at XXXX to discuss this transaction. 
I called this number and have Claim # XXXX. They told me need XXXX to refund my {$4300.00}. But i need this money to pay the mortgage, i lated already. Please help me to ask them fix this transaction.