davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OK)

To Whom It XXXX Concern, I am filing this complaint due to ongoing difficulties accessing my account on the Experian website and the lack of resolution despite multiple attempts to contact Experian. 

On XX/XX/year>, I attempted to log in to my Experian account but was met with the following error message : " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. '' Since then, I have attempted to access my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but I continue to experience the same system error. 

I have spoken with four different customer service representatives : The first representative informed me that they could not verify my identity and instructed me to wait 24 hours to generate security questions.

After waiting 24 hours and calling again, the second representative told me I needed to wait 72 hours instead.

The third representative was in the fraud department and transferred me to a representative in the memberships department. Unfortunately, the memberships representative could not assist and provided me with the same phone number I had originally been calling, which only led to automated prompts. 
Each time I called, I was only able to reach a real person by saying " fraud '' in the automated system. 
Despite my efforts, I still have not been able to resolve the issue or regain access to my account. The lack of access to my account has caused significant inconvenience, as I am unable to view my credit report or manage my Experian services, which are crucial for monitoring my credit and addressing potential issues. 

I request the CFPBs assistance in ensuring that Experian provides the necessary support to resolve this issue and restore access to my account promptly. Additionally, I would like Experian to provide an explanation of what caused the system error and how it can be prevented in the future. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  TRANSUNION INTERMEDIATE HOLDINGS , INC . 

I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX  IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Consumer complaint received 2024-06-18
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. (MO)

REVIWED MY CONSUMER CREDIT REPORT WITH BOTH EXPERIAN & XXXX XXXX AT THE AMOUNTS OF SOFT PROTIONAL INQUIRIES. THERE ARE OVER XXXX PROMOTIONAL INQUIRIES EACH. AMONG THE PROMOTIONAL OFFERS ARE XXXX HARD INQUIRIES WHICH ARE SET TO BE REMOVED IN XXXX XXXX XXXX. I DID NOT AUTHORIZE THESE ANY PROMOTIONAL OFFERS NOR WAS I EXTENDED A LINE OF CREDIT. ALL INQUIRES TO BE REMOVED IMMEDIALTLEY. THIS IS IMPROPER USE OF MY CONSUMER REPORT AND ALL CONFIDENTAILLY HAS BEEN BREECHED.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (CO)

Contacted by Chase telling me that someone in North Carolina applied for credit with my info. I was then " transferred '' to someone claiming to be with CFPB They said that two of my creditors put my info into Public Record. They stayed that they were going to either close my credit cards and tell the credit card companies they were in violation of TILA and FCRA. I said I didn't request them to do that, and was disconnected. Nothing about the North Carolina credit app. 
Don't know if case number XXXX XXXX was fraudulent or not. 
Phone number used was XXXX XXXX
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (WA)

This is the follow-up complaint to the previous complaint I filed. I don't understand why my previous complaint was closed without any solution. Wise responded that they would refund XXXX from the balance. That's not the balance I had. After closing the account Wise representative sent me the final balance statements confirming there is a total of USD {$680.00} + AUD {$16000.00} + XXXX + XXXX across my personal multi-currency account. In addition to that, there were XXXX additional items in the statement named " manual adjustment by Wise '' for AUD {$1500.00} and AUD {$500.00}. This adjustment was never explained by Wise and is not confirmed to be legitimately applied. These statements were finalized as well as all transactions at the moment of my account closure. Nevertheless, they refunded only XXXX. On my question where is the rest of the balance gone, they replied " It looks like reversals were processed for the senders of payments to your account ''. I never authorized such reversals and none of our clients applied for such. They evaded my question to provide any tangible proof that such reversals happened, when they happened, for what transactions they happened and most importantly - who authorized such reversals as I never authorized any. Since the closure of my account in XX/XX/year> Wise never reached me in regards to any reversals and never notified me if there are any. I'm attaching the screenshots of the communication containing the statements mentioned. All this seems like a fraud operation and Wise just stealing the clients ' money.
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: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (NJ)

XXXX XXXX XXXX XX/XX/year> I am filing a complaint against Monterey Collection SV, for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights under federal law. 

Specific Violations : Failure to Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided me with the written validation notice required by law. This notice details the debt, its creditor, and my rights to dispute it. 

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Without receiving the validation notice, I haven't been given the chance to dispute the accuracy of the debt. 

False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) ) : By placing a collection account on my credit report without proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. 

Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures. 

Additional Information I have not received any communication from the collection agency regarding this debt. 
If they attempted mail correspondence, they must provide a tracking number confirming deliver. 
Due to my current living situation, I can not receive mail at the address they may have on file. Therefore, any mailed communication likely wouldn't have reached me. They can not assume I received information they couldn't demonstrably deliver. 

Request : I request the CFPB to investigate these violations and take appropriate action against the collection agency. This may include : Ordering the agency to remove the collection account from my credit report. 
Requiring them to provide me with the proper validation notice and dispute process. 
Stopping them from using any further deceptive practices in collecting this debt. 

Thank you for your time and attention to this matter Sincerely, XXXX XXXX XXXX
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: Experian Information Solutions Inc. (CA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (PA)

XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights 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 An 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account # - XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

In XX/XX/XXXX, I refinanced my FHA mortgage to XXXX XXXX XXXX. The refinance resulted in ARM of more that 10 %. My payment went from {$1300.00} to {$1900.00}. Within 4 months of the refinance with XXXX, I received notification that loans servicer was transferred to XXXX XXXX XXXX. In XX/XX/XXXX, I sought XXXX 's assistance and received a loan modification which converted my ARM to a fixed rate of 5.125 %. I had a hardship in XX/XX/XXXX and obtained a modification agreement requiring a trial period of 3 months. Due to another hardship in XX/XX/XXXX I obtained another modification which required a trial period on XXXX payments. I made the first 2 payments timely however failed to make the third payment by the due date. This was because my wages were being garnished at the time of the trial period. Nationstar returned the 2 payments. Later in XX/XX/XXXX I contacted Nationstar to ask if I could re-apply for a modification. I was informed that I was able to re-apply. I reapplied and was granted an in-house modification rather than a HAMP Tier I or HAMP Tier II. I was denied the HAMP Tier I because I received the maximum number of modifications permitted under the modification program. However, I dispute this because I was not granted a modification in XX/XX/XXXX due to my failure to make all the payments on time during the trial period. Further, I have concerns about the initial integrity of the XXXX XXXX XXXX. Lastly, I did not experience any reduction in my mortgage payment through any of the modifications offered by the lender.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXXXXXX XXXX XXXX  ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXX XXXX XXXX  ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-05-17
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. (IL)

After reviewing my credit report, I have noticed hard inquiries I do not recognize I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transaction that are not initiated by consumer ( 3 ) Information regarding inquiries, Except as provide in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transactions that is not initiated by a consumer
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (DE)

I reviewed my contract and realized that a gap charge was included in my amount financed I am aware that all fees that are not government or state fees should not be included in the amount financed also, on our paperwork it states a different mileage number than the number that was on the actual dash board of my vehicle so I am not sure which mileage is correct it seems like they could have been misleading me during the sales process.
Consumer complaint received 2024-05-16
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)

The information keeps coming back verified and no documentation has been given to for this, no other information such as address thats supposed to be attached to this address, no documentation has been giving to me. No contract with my wet ink signature had been given to me. According to 15 USC 1681 and 1681C ( C ) I have a right to privacy as well. These accounts dont belong to me I would kindly like theses accounts deleted from the reports and public records
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (CA)

I had given a friend {$100.00} through XXXX XXXX that friend then proceeded to set up an account in my name without permission and took {$2000.00} from my checking account. I didn't give him my pin number but the bank said it wasn't fraud and refused to refund the money.
Consumer complaint received 2024-06-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Account name / Columbia Debt Recovery LLC DBA GENSIS Account # / XXXX In accordance with the Fair Credit Reporting Act the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 without my written instructions THESE STATEMENTS Against me are not true I never used my information for this company! MY INFORMATION WAS STOLEN!
Consumer complaint received 2024-03-23
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 XXXX XXXX is reporting to Equifax and XXXX after selling consumerss alleged debt to XXXX XXXX XXXX. This corporation never had consumers permission to report private account/record, nor to report to any non-affiliated third parties. Consumer was never in contract with this company for any reason. The reporting agencies received previous disputes that fit FCRA requirements for removal. 15 U.S. Code 1681 covers several laws being violated to include willful non-compliance ( 1681n and o ). Additionally, continued reporting violates the Privacy Act of 1974.
Consumer complaint received 2023-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (CA)

I was told I was applying for a medi-cal contract to pay for dental work. When I was under sedation, in the dentists chair I was told to sign forms for the medi-cal programs and instead they had me signing up for a loan I can't afford and all the work was covered by medi-cal at no cost to me. Why would I need a loan at almost 30 % interest and 30 years to pay off. I'm a XXXX  veteran, XXXX XXXX XXXX and can not possibly afford such a loan.