davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc ()

I received an email on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I live in the XXXX, my time is 6 hours ahead ). It informed me that a debt was being collected. 

I would like to preface this by stating that because I live in the XXXX, my primary means of communication is email for those in the XXXX, as I can not make long distance calls. 

I googled information, and found out that I could request a Debt Validation. I replied to the email on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX my time. I replied to the initial email that was sent to me. 

I received another debt collection letter on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not respond to this. 

I received another email on the XXXX XXXX XXXX XXXX XXXX XXXX  my time. It was once again requesting my payment to my account number. I again sent another Debt Validation request to the email that was sent to me on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I did not respond to this. 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX. I did not respond to this. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I received another email. I send another Debt Validation request to the email that replied to me AND two other email addressed. I sent it to an accessibility email address AND to another address containing HWI ( this is important for later ). 

I received another email on XXXX XXXX XXXX XXXX XXXX XXXX I did not respond to this. 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I did not reply to this, HOWEVER I did go to the website and got in contact with an agent on the Live Chat. I asked if I could send an email to request a debt validation, since I figured my emails were not being looked at or I was sending them to the wrong email address. 

I found out that on the third email that I sent, I sent it to the correct email address. I was provided with an email containing HWI. They told me to contain my account number, and I did in the body of the original email that I sent. I have not sent another email yet, as I feel that they have overstepped and should have validated the debt over a year ago. 

I took a screenshot of the entire chat with the live agent. I have every email mentioned in this report. I will take screenshots of them for safekeeping.
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (TX)

Subject : Complaint Against PNC Bank for Violating the Fair Credit Reporting Act ( FCRA ) - Refusal to Process Credit Application Unless Consumer Waived Right to Opt-Out of Data Sharing Date of Incident : XX/XX/year> Bank Name : PNC Bank Location : Online/ via phone To Whom It May Concern : I am filing this complaint against PNC Bank for actions that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically concerning my right to opt-out of data sharing for account review purposes. 

Incident Details : On XX/XX/year>, I applied for a personal line of credit with PNC Bank. During the application process, I was presented with credit disclosures that included a request for my consent to share my payment history with Credit Reporting Agencies ( CRAs ) for account review purposes.

I informed the bank representative that I did not consent to having my payment history shared with CRAs. Despite exercising my right to opt-out under the FCRA, PNC Bank refused to proceed with my credit application unless I agreed to allow my payment history to be shared.

Applicable Law : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumers have the right to opt-out of having their credit information shared with third parties for account review purposes. Specifically : 15 U.S.C. 1681b ( a
) ( 3 ) ( F ) provides that consumer reporting agencies may furnish a consumer report to a person which " has a legitimate business need for the information ... in connection with a business transaction that is initiated by the consumer. '' 15 U.S.C. 1681b ( c ) ( 1 ) allows consumers to opt-out of having their information shared for certain prescreened offers of credit or insurance. 
Additionally, the FCRA prohibits creditors from making the extension of credit conditional on the waiver of the consumers right to opt-out. Conditioning the approval of my credit application on my consent to share my payment history constitutes a violation of my rights under the FCRA. 
Complaint : I believe that PNC Banks refusal to process my credit application unless I waived my right to opt-out of data sharing with CRAs for account review purposes is a violation of the FCRA. By making the extension of credit contingent on the waiver of my rights, PNC Bank has engaged in practices that are not only unfair but also illegal under federal law. 

Requested Resolution : I request that the Consumer Financial Protection Bureau : Investigate PNC Banks practices regarding conditioning credit applications on the waiver of FCRA opt-out rights. 
Ensure that PNC Bank ceases such practices immediately and takes corrective action to comply with the FCRA. 
Take appropriate enforcement action against PNC Bank for this violation. 
Inform me of any steps I need to take to ensure my rights are protected and that my credit application is processed fairly. 
I appreciate your attention to this serious matter and look forward to your prompt response.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I made a purchase from a vending machine in XXXX XXXX at the XXXX XXXX XXXX XXXX. There was a vending machine that popped up and it was disguised to be a machine that was placed there by a company called XXXX ( XXXX XXXX XXXX ). The vending machine was red in XXXX had a large XXXX logo on top of it and other indications on the machine itself. I decided to make a purchase because I trust in XXXX and own their products so I made a purchase. The 2 cards that I purchased were not graded by XXXX and they were in blank cases. The vending machine advertised that you will receive a XXXX graded card which I did not. There were no visible markings on the machine to contact the merchant. We left XXXX XXXX and back home to XXXX XXXX on the XXXX of XXXX. When I got home to further look into this issue I discovered that XXXX came out publicly and stated that they have no affiliation with that machine. 

I reached out to Wells Fargo to get more information on the merchant so I can request a refund but they were not able to help me with that. I asked to file a chargeback claim and asked them to request my money back from the merchant. I explained to Wells Fargo multiple time that this merchant was using a false name and logo to derive people and on top of that I did not get what I paid for. Wells Fargo denied my case and stated they can't provide anymore information. I asked to reopen the case and provided additional information. I was lied to by this merchant and did not receive the goods that I paid for. Wells Fargo is not standing up for its customer. 


XXXX was for {$120.00} and was done on XX/XX/year>. 
Wells Fargo Ref # XXXX
Consumer complaint received 2019-07-02
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: EQUIFAX, INC. (FL)

I Sent in a dispute to XXXX, Equifax and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I haven't Received no physical document of debt or corrections
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc. (NJ)

I am filing this formal complaint against Innovis for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and for non-compliance with federal regulations regarding the accuracy and verification of information on my credit report.These inaccuracies I have repeatedly disputed with Innovis on two separate occasions, over 75 days and 40 days ago, with no corrective action or response : Started XX/XX/year> The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Carter-Young, Inc. (SC)

I asked the company about how to get the information taken off of my credit report & they informed me that they did what they could do & nothing else could be done. 

*Original creditor : XXXX XXXXXXXX XXXX *Balance details Paid off *Original balance {$2800.00} *Account type Collection *Status Paid in settlement The status is not allowing me to find housing. I am homeless and I am in dire need of housing.
Consumer complaint received 2024-07-11
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: GOLDMAN SACHS BANK USA (MN)

On XX/XX/XXXX I purchased concert tickets via XXXX to a XXXX XXXX show on XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The event was first rescheduled to XX/XX/XXXX because of a blizzard, but then was completely canceled, because the venue burned down ( which was not communicated until XX/XX/XXXX ). The refund took a year to be send out, with an email send to me on XX/XX/XXXX. However, the refund never arrived. I contacted XXXX with not luck, the venue without any help, and Goldman Sachs, the credit card company who operates my Apple Card. I tried over months to reason with Apple Card/Goldman Sachs , that I should receive my refund. Twice they told me since I was refunded, they would not help me. I asked them to offer me proof of the refund in my account, as that should be easy, but they failed to do so. An email is not refunding the actual value to my credit card, which should be showing somewhere, but there is nothing on my account. This financial institution is taking my money illegally and I would like this resolved.
Consumer complaint received 2024-08-20
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did identity theft so that all these to be removed from my report due to someone using my identity for all these accounts without my knowledge
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

From XX/XX/XXXX to XX/XX/XXXX, my husband and I both were getting several. Alls a day from Navient on our daughters student loan. They wanted immediate payment. Most of them were calls and hanging up. We only received XXXX message out of XXXX calls. I answered XXXX with them wanting immediate payment. I told her it was already paid. XXXX said oh I see it was paid XX/XX/XXXX, XXXX sorry! XXXX weeks sfter it was paid and they were calling XXXX, 5 times a day!
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DRB-40, LLC (CA)

On XX/XX/XXXX someone was able to open and obtain a XXXX XXXX XXXX XXXX credit card using my social security number. 
When the collection department was able to get a hold of me by telephone, immediately there were XXXX red flags. They had a wrong address on file as well as an email that was not associated with me. I explained that I had never made that purchase nor did I consent. 

Underneath you will find the information that the collector/creditor sent to me, as soon as i provided them with my correct email : Thursday, XX/XX/XXXX Consumer : XXXX XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX Original Creditor : XXXX / XXXX XXXX XXXX Acct # : XXXX Account Balance : {$7700.00} XXXX XXXX DRB , LLC is XXXX debt collector. This is a communication from a debt collector, we are attempting to collect a debt that you owe to XXXX XXXX XXXX, and any information obtained will be used for that purpose. 

Our Information shows you had an account with XXXX / XXXX XXXX XXXX with account number XXXX. 

If you'd like to view your account online through our portal, click HERE to create your login. 

As of XX/XX/XXXX you owed : {$7700.00} Between XX/XX/XXXX and today : You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of debt is now : {$7700.00}
Consumer complaint received 2024-08-14
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

XXXX for {$1800.00} posted on XX/XX/XXXX Activity ID : XXXX Dispute originally filed on XX/XX/XXXX XXXX sent a product that was not as described, tried to resolve with them unsuccessfully. 

XXXX has refused to refund the money XXXX charged despite never receiving the product I ordered.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was m
ailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

This is concerning complaint ID XXXX XXXX. 
Citibank was suppose investigate this matter further & it would take 30 days & I would received a response by mail. I received a telephone call yesterday XX/XX/year>2024 from Citibank fraud department telling me that my claim is still being denied. They feel because I was on Citibank app that the scammers got my account information. I told them they were sent police report & I was manipulated & scammed in to making a domestic wire transfer to perpetrater account without my consent, knowledge & authority. I told them money in a bank should be insured. I also said this should have raised red flags with Citibank staff & this transaction should have been questioned by them. Citibank fraud department cant seem to give me an answer as to why no questions were raised about this transaction. 
It looks like this case may have to be settled in civil court. I would appreciate if you could refer me to a lawyer that handles these types of cases.
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Original Creditor XXXX XXXX XXXX has improperly shared my data with third party MEDICAL DATA SYSTEMS which violates HIPAA law. Furthermore. Pilates privacy act of 1974 situating a violation of my consumer rights. In previous complaint XXXX has stated that it does not own this debt nor is it a debt collector but collect debt on behalf of their original creditors. See it here MEDICAL DATA SYSTEMS HAS NO NMLS ID to collect in the state of GA. Nor can it provide original documents with wet signature that constitutes a contract between me and the original creditor or between me and XXXX. Lastly reporting to the credit bureau an account as closed states you have documents that a contract was instituted between said consumer and entity. Please furnish internal records following federal procedure 1002 also TAKE NOTICE AS THIS IS A CEASE AND DESIST for all forms of communication hereby of me or my personal information. FCRA Section 809 ( b ) and FCRA Section 623 ( a ) have been violated
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (CA)

Unauthorized credit inquiry on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I noticed an unauthorized inquiry on my credit report from XXXX that I did not authorize or consent to. I am well aware that under the FCRA, companies are required to have explicit consumer authorization or a legally permissible purpose before accessing a consumers credit report. XXXX did not have either in this case, and therefore their inquiry was not only inappropriate but illegal.

Unauthorized Credit Inquiry : The inquiry from XXXX on XX/XX/year> was made without my permission or authorization. I have never applied for credit, loans, or any service with this company that would justify this inquiry. 
Violation of FCRA ( 15 U.S. Code 1681b ) : According to the FCRA, a company must have a legitimate business reason, such as a credit application or permissible purpose, to pull a consumers credit report. XXXX has violated this requirement, causing unnecessary harm to my credit score and infringing upon my consumer rights.

Impact on Credit Score : The unauthorized inquiry has negatively affected my credit score, as multiple inquiries can result in a lower credit score. This has caused me undue financial harm and stress.

I demand that the CFPB take immediate action to investigate this matter, require [ insert company name ] to remove the unauthorized inquiry from my credit report, and hold them accountable for their violation of consumer protection laws. Additionally, I request that CFPB ensures XXXX ceases any further unauthorized actions that could harm other consumers.

Thank you for your time and prompt attention to this serious matter. I expect swift resolution and an official response detailing how this violation will be rectified.