davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-22
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: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am writing to formally file a complaint regarding unauthorized hard inquiries that have been conducted against my credit report. These inquiries have negatively impacted my credit score, and I believe they were conducted illegally without my consent. 

Details of the Complaint : Full Name : XXXX XXXX Social Security Number : XXXX Credit Report Affected : XXXX, TransUnion Date ( s ) of Unauthorized Inquiries : Company/Entity Responsible for Inquiries : XXXX  Inquiry : 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 Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX 
( XXXX ) XXXX I have recently reviewed my credit report and found that multiple hard inquiries were made without my knowledge or authorization. I did not apply for any new credit accounts or loans that would justify these hard pulls. As a result, my credit score has been adversely affected, causing significant concern and distress. 

I have already contacted the credit bureaus and the companies involved to dispute these inquiries, but the issue remains unresolved. I am requesting the CFPBs assistance in investigating this matter and taking appropriate action to rectify the situation.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC. ()

A couple of years ago I received a message from ARVEST BANK saying my statement was ready, first I ignore it, because I live in XXXX and I have never open an account in XXXX, secondly because I tought could be some fraude to reach my personal info if I click in any link. The Statements keep coming, but there is no contact from the Bank, and the sender was noreply. 
Recently I've reached SEC and the SEC Ombuds ( message attached ) guide me to send a message to you. The other option was reaching the Federal Reserve 's Consumer Help Group, but to open a complaint in their website they request the address and Location of the Bank, but all messages received from Arvest are signed as XXXX XXXX XXXX | XXXX, AR XXXX and I could not identify the place or branche related.

I'm attaching the Arvest message saying my statement is available and the most recent message saying I registered in XXXX through Arvest Bank.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX  XX/XX/XXXX XXXX Called into capital one about issues on account. I was told if I paid they balance they would wave the fees and remove report on my credit report. I paid the balance and the report wasn't removed. When I called back to see why it hasn't been changed I was told that can't help. They clearly say in the recording of the call what they would do and haven't done it. I just would like them to do what was promised in the call.
Consumer complaint received 2024-02-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AZ)

On XX/XX/XXXX I contacted Go Program to report unauthorized charges to my account. I filed reports with my local law enforcement agency, the attorney general, and the XXXX. 
On XX/XX/XXXX I received a letter from the Go Program informing me they denied my claim due to a conflict of information. 
Below are the details of the claim : Report XXXX XXXX. 
I am disputing the following transactions that were charged fraudulently to my account without my authorization : * XX/XX/XXXX In the amount of {$30.00} at XXXX XXXX # XXXX XXXX XXXX, PA * XX/XX/XXXX in the amount of {$80.00} at XXXX XXXX # XXXX XXXX XXXX NY * XX/XX/XXXX for {$96.00} at XXXX XXXX # XXXX XXXX XXXX NY * XX/XX/XXXX for {$41.00} at XXXX XXXX # XXXX XXXX XXXX, CA  I did not make or authorize these transactions that appear on my account. 
An unauthorized individual gained entry to my account with a fast-food restaurant chain and made purchases using the stored credit card information. I received confirmation emails from multiple XXXX XXXX 's stores confirming the orders, each charged to the credit card linked to my XXXX XXXXXXXX XXXX account, which is the card ending in XXXX. Despite promptly reaching out to each store, I was informed that they were unable to assist and advised to file a dispute with my card issuer. I also contacted XXXX XXXX 's corporate office, where I received similar guidance. The fraudulent activity comprised XXXX separate charges across XXXX different states, none of them being my state of Arizona.
Consumer complaint received 2024-02-19
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

I am a user of Paxful. I have recharged XXXX XXXX cryptocurrencies on this website, but they have frozen my account and refused to withdraw under the guise of compliance review. It has been two years since I confirmed that I am using it myself, but they have always refused. I have contacted them multiple times via email, and each time it is under compliance review. I have not received any relevant notification and can not unfreeze my account
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX ss # XXXX It has come to my attention that negative items are being reported on my credit to XXXX XXXX XXXX XXXX Equifax XXXX and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (CA)

On XX/XX/year>, I sent {$350.00} by XXXX to XXXX ( to my husband ) as a XXXX gift. The transaction was cancelled. I was told a refund would be sent to my bank account in XXXX days. After the 7 days, I called XXXX to see why the $ weren't in my account. They told me that my bank was holding the funds in as " distribution reserve '' account. I called my bank. They said they had no funds in any " distribution reserve '' or any other account that matched the refund amount. Thus, XXXX has defrauded me of my promised refund XXXX
Consumer complaint received 2024-06-16
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. (GA)

I am part of the Equifax data breach and I do not recognize nor did i authorize these companies to make credit inquiries on my report, I tried to dispute them and they keep on saying that i have to get the company to remove them, They cant remove them
Consumer complaint received 2024-04-30
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. (OH)

I have recently look at my credit report and noticed that I have an account on my credit report that I have no knowledge of nor have it been verified. I have attached a letter along with my proof of identity.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Reason for Complaint : The issue is concerning the improper allocation of payments on my credit card account, which appears to be in violation of 1026.53 of Regulation Z. This regulation requires that any payments made above the minimum due should be applied first to the balance with the highest annual percentage rate ( APR ). 

Incident Description : My credit card account includes XXXX balances with varying APRs : 1. a Citi Flex Plan balance with an APR of 11.99 % and 2. a promotional balance transfer at 0 % APR. 

The incident occurs in XXXXXXXX XXXX XXXXXXXX for the billing period from XX/XX/XXXX to XX/XX/XXXX. The minimum payment due for the month is {$160.00}. The charges and payments are as follows, according to the official credit card statement : a. XX/XX/XXXX - A payment of {$100.00} is applied to the 0 % APR balance. 
b. XX/XX/XXXX - A payment of {$76.00} is applied to the 0 % APR balance. 
c. XX/XX/XXXX - The 11.99 % APR Citi Flex Plan is applied to my account in the amount of {$1200.00}. 
d. XX/XX/XXXX - A payment of {$1200.00} is applied to the 0 % APR balance. 

Despite making a {$1200.00} payment above the minimum payment required, and despite this payment occurring after the Citi Flex Plan was applied to my account, these additional funds have not been allocated to the higher APR balance first, as mandated by federal law. 

Actions Taken : On XX/XX/XXXX - after noticing the misallocation - I contacted the company 's customer service to rectify this issue. I cited 1026.53 of Regulation Z and asked them to correct the allocation of my payment. The representative forwarded my request to their financial department, which was denied XXXX days later. 

Impact : This misallocation has led to unnecessary interest charges on my account both past and future accumulation of interest on the higher APR balance.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

I applied for a credit card with Synchrony bank to finance a new HVAC system. Terms were 0 % interest for 18 months. I set it up on auto pay with my bank. 18 months later, I of course forgot about the 18 month period. They charged my {$2800.00} in interest. No warning, not email. Nothing. This is predatory lending. I can't believe there aren't any requirements to at least give fair warning to customers that the promotional period is expiring. I would have simply paid it off. I am so angry. Of course I have spoken with a rep and their supervisory to no avail. tis is how banks get a bad name. Please help!
Consumer complaint received 2024-04-30
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NY)

Nationstar Mortgage LLC d/b/a Mr. Cooper purchased a mortgage for a property from brokerage firm XXXX XXXX & XXXX XXXX XXXX XXXX 

Despite having insurance for this property from the time at the homes purchase, and providing Nationstar Mortgage LLC evidence of this, they failed to make insurance payments on my behalf to my insurance provider, XXXX XXXX, resulting in my account going into delinquency and forcing me to pay this amount out of pocket.

Nationstar Mortgage LLC later purchased 'forced insurance ' on my behalf without proper notice, an ultra high price policy that was an unreasonable fee, above the principal and interest on my mortgage.

When providing them additional evidence with my insurance broker, they apologized that they were 'getting several calls like that ' and 'had an issue with their system '. I then instructed them to remove insurance from my XXXX  because I and my insurance broker on the recorded call stated I had personally paid out of pocket for my insurance policy. 

After this meeting, Nationstar Mortgage LLC claimed to have made a XXXX payment to my insurance company which included policies for three other properties they were not a lender of and I had also already paid. This amount was not due or requested, yet the forced this amount out of my XXXX payment despite me having told them to remove it. 

To this date, the have still not refunded me for the forced insurance they wrongfully purchased, nor the XXXX XXXXhey claimed to have paid, despite my broker telling them I already paid this amount out of pocket and have still not removed the insurance XXXX fees from my XXXX
Consumer complaint received 2023-03-14
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. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the following inquiries were not made by me, I suspect a car salesman stole my identity and applied to companies without my knowledge or consent : 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 TransUnion : 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
Consumer complaint received 2024-11-19
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. (SC)

I am writing as a victim of a data breach and identity theft. Fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. 
Unauthorized Accounts XXXX. XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} Supporting Documentation To assist with your investigation, I have enclosed : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of the police report and/or FTC Identity Theft Report filed regarding this incident.
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.