davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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. (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. 

Account Name : US DEPT ED Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX my computers and phone were hacked and fraud accounts through different payees from things like XXXX XXXX XXXX XXXX  and XXXX took money out of my accounts. When I noticed this I immediately notified my bank not to pay this because I had never used any of these such ways to send money. I have never sent money at anytime or in any way. The bank didn't stop the fraud and put the payments through. I told them I have never used these things and don't even know how to. They could check my past records and see I had not. Since this hack was done on my account I filed several appeals but was denied that I had either done this or had someone do it.. Since this hack was done on my account I filed several appeals but was denied that I had either done this or had someone do it. 

I had to call social security with new account information. I changed all passwords on all my social medIa, I changed my router and modem names and passwords, and I still do not feel safe on my phone or computer because they contain a lot of saved passwords and notes. I truly did not do this or allow it to happen. I am a senior citizen that has to have my monthly Social Security check to survive. 

So to sum this up why would I put myself through all this if I purposely gave money. 
away. The last letter I received from the bank was dated XX/XX/XXXX ( only 5 working days later ) so they made their decision very quickly. This letter states that {$500.00} is my responsibility. This is quite unfair especially since I called at once to the bank asking them not to process the transactions while they were pending. 
Wells Fargo Bank XXXX # XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

There are XXXX credit cards reporting on my credit from this company. I never opened any accounts with this company and I am a victim of identity theft. The birthday and reported to this company is also incorrect. Attached you will find copies of all things filed. I also mailed a copy of attached items to company directly
Consumer complaint received 2024-06-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NY)

After XXXX weeks I was sent an invalid card. This was XXXX  XXXX XXXX. Then I was charged XXXX $ for an expected card. 3-4 business days. Today is day 4 no card came. I was hung up on 5 times trying to make a cash transfer to myself. They have my last XXXX direct deposits. I'm broke and have no way to move forward without my funds. They can't give me a tracking # from XXXX and I never received an email my card was sent. Everytime a call it's a new story! This is an Amex serve prepaid card!
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit Reporting act XXXX Account # 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 not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XXXX XXXX A credit card account with XXXX XXXX XXXX in the Amount of {$500.00} Acct # XXXX was opened in my name with out my knowledge or consent. mailed and billed to the Address of XXXX XXXX XXXX, XXXX mi XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the XXXX major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (VA)

In accordance with the fair credit Reporting act XXXX Account # 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 not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

In accordance with the fair credit Reporting act XXXX Account # 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 not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to log into my free credit scoreXXXX  and they have my XXXX blocked and I dont know why and my Score isnt updated. I have called all three bureaus, they said it will be updated and nothing has changed, its been weeks now. On transunion the score isnt updated, and I still have items that isnt reporting, correctly. My XXXX  isnt reporting correctly.
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: FIRST NATIONAL BANK OF OMAHA (MD)

This check was issued to me through XXXX XXXX, it was for a {$500.00} refund for a gift card I purchase this check was stolen and cashed by a third party, while it was THIRD PARTY ENDORSEMENT IS PROHIBITED same first national bank of Omaha cleared the check with number XXXX, you cant break your own rule, this check was cleared by a certain XXXX XXXX XXXX a copy attached, this check was found on XXXX XXXX weeks later, all attempts to get my money has proved abortive, I WILL NOT BE RESPONSIBLE FOR A LOST OR STOLEN CHECK, I WANT MY {$500.00} check
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (AZ)

I was unsuccessful logging into my account and was told to call customer service and I mentioned I shared my username with my partner with my permission and its been XXXX weeks now and they have restricted my account and wont let me access my money. I have been calling them everyday since and no one is able to give me a response all they tell me is that a investigator is reviewing my account and they will not let me speak to someone to can assist me. When I first called I asked to speak to a supervisor and the agent refused to let me speak to a supervisor and she argued with me and told me that she had to disconnect my call if I had no other questions which I have so many questions. My account is still restricted and I can not access my money and I live check to check and this is causing me a financial hardship.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

I was dating this person for 6 years and without my permission my information was being used. I contacted all parties who was involved and ask them all to provide me with copy of any agreements and contracts. No one has done so and I been fighting none stop with the credit bureaus to do a thoroughly investigation and not accept just words of mouth. This has really Damage me my life and my credit. I need someone help because I'm afraid that nothing going to happen and I'm going to continue to suffer.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I applied for a credit card through Comenity Capital Bank around the XXXX XXXX of XXXX. Roughly XXXX weeks later I received a letter from them requesting for proof of my identity via mail or email. I emailed them a copy of my driver 's license, social security card, and my W-2. Roughly 2 weeks later I received a letter from them that they were unable to approve my application because they were unable to verify my identity. 
I called to find out what I needed to do to correct the issue, send a copy of my birth certificate or passport, but I was told it was denied and I had to reapply.

I asked for specifics as to why they could not accept my documents, but no one could tell me the specifics and refused to direct me to somebody that could. They suggested that I reapply after a 30-day waiting period after my last denial ( at the end of XXXX ) but would not give me any information as to how I could ensure that the next time I applied that my documents would be acceptable for the verification process. 
Did they deny me because of my age?
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

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 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA (NC)

Someone ( not me ) opened account XXXX at XXXX on XXXX. Moved {$990000.00} and {$4500.00} ( below critical limit ) through the account and closed it XXXX ( less than a full month ). 
Clearly a Money Laundering scheme with my credentials. On XXXX, they sent a note saying they missed sending my closing balance sheet, which was how I was tipped off. 
I want to know what PII info was used to open the account. I may then ask for a copy of the materials used, once I know, to figure out my exposure. 
Though they can already send me mail to my home address, they will not investigate for me now, without providing all my personal information ( e.g. Passport, current phone bill ).
Consumer complaint received 2024-06-12
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: LEXISNEXIS (PA)

XXXX XXXX XXXX Number : XXXX Case Number : XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> I am writing about incorrect information on my consumer report. I asked you before to delete this wrong information, but nothing has been done. This is my final attempt to resolve this issue before I take legal action. 

LexisNexis has not provided any details about how the accuracy of my report was verified. I need to know who verified the information, their contact number, and the date of verification, especially concerning the claims from XXXX XXXX XXXX and XXXX XXXX. 

As a consumer, I have the right to privacy, and this inaccurate bankruptcy information must be removed from my report. Additionally, I request the removal of claims by XXXX XXXX XXXX and XXXX XXXX because they have not been verified. 

Please address this matter urgently and confirm the deletion of the incorrect information from my consumer report as soon as possible.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (FL)

They refused to removed it they claimed that is accurate. First time is some many years and the send it to the 3 credit bureau my late payment ( I explained them that I was sick, I explained them my financial situation and nothing was done. I also paid the late fee. And the saying that those 2 late payments can not be removed. They hace to customer solutions or sympathy for the customers. During Covid they were the only one with no payment plan there was not support to theirs exciting customer. I hope that nobody go through this.
Consumer complaint received 2024-06-12
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: CLGF Holdco 1, LLC (FL)

Destiny credit card ran an inquiry I did not consent to. The parent company Concora credit previously ran an unauthorized check earlier this month under their brand Milestone. I feel this is beyond coincidence and that Concora credit has had a data breach and is not protecting the publics information they are privy to.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AXOS FINANCIAL, INC. (FL)

XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Last XXXX SS XXXX Attention XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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: JPMORGAN CHASE & CO. (CO)

In late XXXX and early XXXX as I traveled frequently outside the US, my Chase credit card account was cloned or somehow used fraudulently without my knowledge or approval for goods or services I never approved or used. It would happen randomly over time, and each time I notified Chase of the issue, either through text, online chat, app, or phone call. They would investigate and find it was fraudulent as well. Several times I asked if it could be prevented or if I could get a new card, but they never completed that request. Then later in XXXX, Chase closed all of my accounts ( not just the affected credit card ) without notice. They have refused to open accounts since, even though it was fraudulent activity from identity theft ( and some incompetence in their own prevention teams ). 

I am unable to see any history since the accounts are closed, otherwise I could point out the several XXXX dollars of fraudulent charges they let through on my account, and the many message I sent to their customer service teams about the issue. 

Additionally, since that time I still receive nearly weekly offers from Chase, may of which are pre-approved since my credit score is so high ( well above XXXX at all XXXX credit reporting agencies ). Thinking they have corrected their mistake, I have responded to a few. The account gets opened, the card arrives, and then gets canceled immediately. At this point I'm not sure if it's miscommunication among departments at Chase or harassment. But either way, it can be damaging to my credit history and score. 

I have sent several requests to get this fixed, but have never heard a specific reason for their inappropriate action. There is only generic message responses like : " We closed your credit card account on XX/XX/XXXX, because we closed a previous credit card. '' Which doesn't explain anything. Direct emails and calls to the executive office have not been responded to either. 

To make this crystal clear, I have included a FTC identity theft report that also covers my history with this fraudulent charges on the account. And what may be other potential violations of federal law like the Truth in Lending and CARD acts, I think a reasonable resolution is listed below.