davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX 2013, in signed over my property to Lender Nationstar Mortgage. I was told that I must vacate property which I did. I continued to get utility bills and contacted lender. They had no response to my concerns of these bills. after a year they informed me that the DIL was still in process. I asked about the bills but they had no answer for a. After I contacted consumer affairs, the lender sent me a letter informing me to destroy the bills coming in. Another year past and they informed me they needed verification that federal liens were lifted. I sent several copies showing liens were lifted. My case went through several agents and each time I felt like I was starting over. XX/XX/XXXX I rceived documents that the property was being foreclosed but all along I was being told the DIL was still being processed. In addition, the utility bills were still coming and now I have a XXXX within the County were house is located.
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (PA)

This morning, I noticed unauthorized inquiries on my credit report, and Im unsure why. When I checked my report, as usual, there were unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. Therefore, I request that the documents I've sent be thoroughly reviewed to ensure this issue is permanently resolved.
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NH)

I saw a collection show up on my credit report. It did not look familiar so I filed a dispute using credit karma through XXXX XXXX. The dispute was denied and I received a text from the Zions Debt Holding Company with the amount owed and how to pay. I informed them, based on the information and understanding it was based on an alarm company subscription, that Id successfully cancelled my alarm account and had proof. I then looked further into it and saw it was with another alarm company and realized it wasnt my debt or related to the debt I thought I had at all. I clarified this and stated that I never had a contract with that company and believe they had the wrong person. They sent a copy of the contract and I believe it to be an individual with the same first and last name and that is it. 

A quick XXXX, based on the names on the contract and the address listed, show there are in fact people in that state ( Alabama ) with those names. I am located in New Hampshire, have never been to Alabama, let alone lived there or purchased an alarm system there. Additionally, the secondary party on the account is not a name had by anybody I know.
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Roadrunner Account Services, LLC (SC)

Name of creditor : Road runner account services Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # : XXXX Fail behind on payments cause my husband had service I had someone else using the product and I had to report it stolen due to no one knows what happened to my property after borrowing it so it went to collections.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My phone number was XXXX swapped in the early morning of XX/XX/XXXX. The criminals used the stolen phone number to reset my bio authentication and transferred money through XXXX XXXX. Due to my XXXX, it was difficult for me to act quickly. On the XXXX, I was unable to verify my identity over the phone, so I couldn't lock my account in time. On the XXXX, I went to the bank with my ID. At that time, the bank showed that the suspicious transactions were still pending, and the banker helped me get the money back and opened a new account for me. Later, the statement showed that on the XXXX XXXXXXXX withdrew the previously frozen funds from my new account, and the bank lent me the same amount of money to compensate me. Now, three months later, they are asking to take back this money, claiming that there is no proof that the stolen funds were operated by someone else.and i got the police report about the stolen account
Consumer complaint received 2024-08-05
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. (OH)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with credit bureaus regarding the removal of inaccurate bankruptcy information from my credit report. Also presenting copies of identification documentation such as Drivers License with current address, utility bill with current address, and ssn card. Despite my repeated attempts to address this matter since XXXX directly with TransUnion, XXXX, and XXXX, they have failed to take appropriate action. 

For your reference, my personal information is as follows : - Full Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, OH XXXX - Date of Birth : XX/XX/year> - The specific bankruptcy listing in question is associated with the file number XXXX. 

Under 15 USC 1681 section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must have permissible purposes for obtaining and reporting consumer information. I question who provided these agencies with permission to include a bankruptcy filing on my credit report. According to documentation I received from the U.S. Bankruptcy Court, they do not report data to credit reporting agencies. 

Furthermore, I received a letter from XXXX XXXX XXXX stating that they have filed a dispute on my behalf, but neither XXXX nor I have received any response from the credit bureaus. This lack of response is concerning and further demonstrates the failure of the credit reporting agencies to address this issue promptly. 

This inaccurate information has negatively impacted my creditworthiness and has caused significant distress. I have repeatedly requested the removal of this erroneous bankruptcy entry, yet the credit reporting agencies have failed to comply. 

I respectfully request the CFPB 's assistance in investigating this matter and ensuring the immediate removal of the inaccurate bankruptcy listing from my credit report. I also seek clarification on the permissible purposes under which the credit reporting agencies included this information and demand accountability for the persistent inaccuracy. 

Enclosed are copies of my correspondence with the credit reporting agencies, the documentation from the U.S. Bankruptcy Court, and the letter from XXXX XXXX XXXX. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I sent a money transfer of {$10000.00} XXXX told the representative that I needed to send this amount so that I would in the end get {$10000.00}, {$25.00} fee from XXXX XXXX and a {$5.00} fee From XXXX. Upon receiving the money, the receipt from XXXX stated I received {$9900.00} XXXX took fee, which is not what XXXX arguing about, XXXX took {$30.00} As an additional fee, During the disclosure, it stated that a recipient bank XXXX charge extra and that the money received XXXX not equal the same due to foreign taxes and receiving fee, Under no circumstances did I understand That XXXX would count as a receiving bank, That was not portrayed to me at all. XXXX XXXX stated that it would take a {$25.00} fee which I understand, but they did not describe to me in detail that an intermediate bank would count as a receiving bank and charge an additional fee, If I knew this, I would have just sent the money through XXXX.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

XXXX XXXX American Express Card They advertise and keep track of spending to record rewards. 
Once you've earned {$10.00} they tell you you have 30 days to redeem them. 

But there is no way to redeem the rewards. 
Even their customer service can't help. 

Then the rewards expire and you are back to square one.
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the accuracy of the information being reported on my credit report regarding the XXXX XXXXXXXX XXXX account # XXXX. The reported last active dates differ between the credit bureaus, with Experian showing XXXX and both XXXX and XXXX showing XXXX. I have reason to believe that this information may be inaccurate. 

Request for Validation : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to the credit bureaus. Given the discrepancies in the reported last active dates, I am requesting that this account be validated to ensure that the information being reported is accurate.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If this account information is being reported inaccurately or without proper validation, it may also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Additionally, 15 U.S.C. 1692g requires that any debt being reported must be validated and verified.

Request for Immediate Action : I am requesting that you conduct a thorough investigation into the accuracy of this account and provide validation of the debt. If the account can not be validated, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections.
Consumer complaint received 2024-07-20
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc (CA)

I am writing to formally dispute the unauthorized transactions on my Chime account and to address the failure on Chime 's part to properly notify me of these transactions. Despite my diligent efforts to ensure that I received all necessary notifications from Chime, I did not receive any alerts or warnings regarding these unauthorized activities on my account. 

At the time of the transactions in question, Chime failed to notify me as agreed upon. This lack of communication directly contradicts the protections and services that Chime is obligated to provide its customers. As a result, I hold Chime responsible for negligence and willful disregard for my account 's security, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ). 



Due to this failure to notify and the resulting financial loss, I am requesting an immediate investigation into these unauthorized transactions and a full reimbursement of the disputed amounts. Additionally, I urge Chime to review and rectify their notification procedures to prevent such issues from affecting other customers in the future. 

I expect a prompt response to this matter and a resolution that reflects the seriousness of this matter
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (PA)

This is intended to reopen issue XXXX. I was told to give them 30 days from TD Bank 's response on XX/XX/2019. It is now XX/XX/2019 and my household continues to receive mail from them. THis time addressed to my wife, at our home address.
Consumer complaint received 2019-04-25
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: FIRST NATIONAL BANK OF OMAHA (TX)

XXXX are incorrectly reporting me as an Authorized User on the FNB OMAHA Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called FNB Omaha and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the inclusion of certain information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report obtained from your agency, I have discovered that certain information has been reported without my explicit written consent for disclosure or obtaining of information. Specifically, I have never provided written consent for the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) {$7500.00} This account does not meet FCRA requirements and is currently in litigation. Additionally, XXXX has verified my complaints and followed the law by deleting and blocking the information from my credit report immediately. By law, XXXX and Experian should also do the same by deleting and blocking the information immediately. Lastly, the account is listed as charged off and a 1099c has been provided, by law the account needs to be removed from the credit report.
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (MI)

I applied for a loan with XXXX. They did a soft credit pull and it was never an inquiry on my credit report. I paid the loan in full months early and as soon as I did that they put XXXX inquires on my credit report. XXXX in XXXX of XXXX when the loan was issued and XXXX in XXXX of XXXX when I paid the loan off. Why would they do a hard pull when you paid it off?
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (AL)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Credit Report Update Request ** [ XXXX **Experian** **RE : Request to Update Credit Report with Publicly Filed Transactions** To Whom It May Concern, I am writing to request an update to my credit report to include the following publicly filed XXXX  transactions that are relevant to my credit history. Please ensure these documents are reflected accurately in my credit report : # # # # XXXX Filing History for XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** XXXX XXXX Statement - **Image : ** [ Download & Download ] XXXX. XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** Restate Collateral - **Image : ** [ Download & Download ] XXXX. XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** Restate Collateral - **Image : ** [ Download & Download ] XXXX. XXXX - XXXX XXXX : ** XXXX - XXXX : ** XX/XX/year> - **Document Type : ** Termination - **Image : ** [ XXXX XXXX XXXX ] XXXX. XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** Add Collateral - **Image : ** [ Download XXXX XXXXXXXX ] Please update my credit report with these transactions and provide an updated copy to the address listed below. As per the Fair Credit Reporting Act ( FCRA ), there should be no charge for this report since it is currently incomplete. 

Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-22
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. (VA)

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX ( {$7600.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) I have XXXX student loans on my XXXX, XXXX and Experian consumer report and these accounts are due to fraud. The accounts were open in XXXX which is proof of fraud due to me being incarcerated during the year of XXXX. I was incarcerated and sentenced in XXXX of XXXX, served with XXXX years in the XXXX Department of Corrections. I have documentation from the XXXX  XXXX Circuit Court Clerk 's Office to support what I am reporting. I have never asked the creditor for a loan I have never signed any loan agreement I deny any ownership of the student loan accounts. It is physically impossible for the accounts to belong to me for as I was away in prison during the year of XXXX to be exact, I was away from XX/XX/XXXX to XX/XX/XXXX is when I was released. 

Please provide ANY documentation that proves these are my accounts as I attached Sentencing documents from the court. Along with a FTC report to have these removed ASAP.
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC (KY)

My debt has already been paid off thru wage garnishment. I continue to receive written communication from Weber & Olcese, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Original creditor : XXXX XXXX Bought by : XXXX XXXX XXXX Wages garnished by : Weber & Olcese, P.L.C.
Consumer complaint received 2024-08-31
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. (PA)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.