davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of Inquiry XX/XX/XXXX,
Consumer complaint received 2024-05-22
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. (TN)

I am writing this complaint because there are inaccurate accounts that I have disputed with Experian that still remains incomplete and inaccurate as it still misses the same payments I have disputed and is still inaccurate hosting the same inaccurately reported account that reports late payments while the account is currently closed. For these accounts Experian stated remains as the dispute results while the accounts are currently inaccurate. EXPERIAN is in direct violation of the FCRA and has failed to conduct a reasonable reinvestigation. Remove the following accounts for direct violation of 15 USC 1681e ( b ). I want the accounts removed immediately. ( 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 to whom the report relates. This company also failed to provide notice that the account XXXX XXXX was dispute in the payment summary per 15 USC 1681i ( c ) ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there are reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
Consumer complaint received 2024-07-02
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: CITIBANK, N.A. (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-22
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I must bring to your attention that I have repeatedly notified the XXXX credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, XXXX is the only one that has not rectified this issue. I demand you to remove the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I am writing to formally lodge a complaint against Wells Fargo Bank for discriminatory practices and the unjustified suspension of my account. I have been a loyal customer of Wells Fargo since XXXX and a XXXX citizen since XXXX. 

On XX/XX/XXXX, I received a letter from Wells Fargo stating that my account would be suspended if I did not fill out a declaration form affirming that I do not live in XXXX and am not a part of the XXXX government. Despite finding this request discriminatory and targeting my ethnicity, I complied with the bank 's demands. I filled out the form and submitted it both in person at my local branch and online through the bank 's official website. 

However, as of XX/XX/XXXX, Wells Fargo has suspended all activity on my account. This suspension has caused significant financial hardship. I have become late on my mortgage payment, gas and electricity bills, and credit card payments due to my inability to access my own funds. This sort of discrimination is unbecoming of an institution like Wells Fargo, which should uphold principles of equality and fairness. 

I believe that I have been unfairly targeted based on my ethnicity and that Wells Fargo 's actions are discriminatory and in violation of federal regulations. I request the CFPB to investigate this matter promptly and take appropriate action to ensure that such discriminatory practices are not permitted to continue. 

Thank you for your attention to this serious matter
Consumer complaint received 2023-04-11
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. (SC)

I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I divorced last year thru an attorney as a XXXX XXXX XXXX and provided the final divorce decree and settlement agreement as well as many other documents Lakeview Loan Servicing requested to complete the non-credit qualifying assumption. I requested the loan to be in my name only and remove my ex-husband 's name. the specialist named XXXX XXXX will not finish my processing request to finalize this. Assumption department has my final divorce decree, settlement agreement, relationship form completed, identity affidavit, assumption occupancy statement and 6 months of bank statements proving I make my own mortgage payments with my own income. 
I began this process in XXXX of 2023 and have made numerous phone calls ( month after month ), sent emails and only given the runaround and no one can give me an answer on the completion process. XXXX XXXX is either out of the office or on vacation and does not respond to my emails. I even spoke to a supervisor in the escalation department and they tell me they have no access to XXXX XXXX 's records and I need to wait until I hear from her but yet she doesn't respond to my emails. Is the assumption process completed? I know it takes about 145 days plus? BUT is it being processed so it can be finalized? Remove XXXX XXXX name from the loan as granted to be via Quit Claim Deed and Final Divorce Decree.
Consumer complaint received 2024-05-22
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. (CO)

I am writing to formally dispute the charge-offs reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ).
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (MO)

ON XX/XX/year> I made an online payment of {$150.00} for my XXXX XXXX XXXX XXXX XXXX  ) using my debit card ; my account showed that I had made two payments {$150.00}. I contacted Mo XXXXXXXX XXXXright away regarding my double payment, and I was informed that only one payment had been applied to my account. Upon reaching out to XXXX, I was informed that I would have to wait my time till the transaction postand until the transaction proceeds through my account. I waited, and the transaction cleared my account. I filed a dispute with Arvest Bank on XX/XX/XXXX, and when I called them today, they told me that I would need to wait XXXX  more days to receive my money back. The additional {$150.00} does not appear to be being received by XXXX XXXX ACCOUNT. IT IS JUST SITTING SOMEWHERE IN NO MAN 'S LAND. ARVEST BANK REFUSE TO HELP WITH THIS ISSUE AND HAS CAUSED ME GREAT STRESS.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I am a victim of fraudulent information reporting and I am filing this complaint to LEXISNEXIS. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-05-22
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. (CA)

XXXX reviewed notes and completed a CFPB complaint online every 15 days for 3 Credit Bureaus.

This is the follow up complaint for My information has been exposed in the XXXX data breach. im a victim of identity theft. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} 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 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MO)

I received a notice from CBindigo mastercard someone has applied for a credit card in my name. When I called them they said they need my SS # and address to look into it. I refused to give my SS # since I have never heard of this company or how they got my information.
Consumer complaint received 2024-07-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (DC)

Im disputing owing any and all debts I am also revoking all rights of them communicating with me through email text and calls. Im requesting debt validation I am also requesting the purchase agreement between the debt collector and the original creditor Im also requesting they furnish proof that they are licensed and bonded.

The collection agency has not provided validation information but yet placed a collection on my consumer report. I have not been given a chance to dispute the account. The collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).
Consumer complaint received 2024-07-05
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Collection Management Holdings, LLC (NM)

I am a XXXX XXXX citizen who uses any health services as my medical needs. I was contacted by a debt collection agency I believe by XXXX. This company had mentioned that the bill was not paid and thats why they were contacting me. I contacted the company and provided a check number from XXXX health service and a verification from XXXXXXXX XXXX that the bill had been paid by XXXX XXXX XXXX. I had not received a phone call from that company for two years.I did get a random phone call today from collection management. They refused to give me an address or contact information. They wanted me to resolve this through XXXX and wanted me to send my documents medical records and copies of identification to an email address. During the phone call I got a random email from a XXXX XXXX. The email address is XXXX. I explain to this company that they have not contacted me via mail phone call or any realms of communication about this matter and have no right to report me to the collections agency and then threaten to continue if I dont pay. This sounds like fraud and I dont appreciate wasting my morning.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (GA)

I reached out to Chime support multiple times and was able to talk to someone today, XX/XX/2024, and the lady I spoke with told me I couldn't reopen my account ever again. I don't even understood why my account was closed and she wouldn't provide me that information. I would like to have my account open since I get money from XXXXXXXX XXXX every XXXX  months over XXXX and I loved having chime as a bank account.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC (SD)

This company is conducting illegal loans it charges over 400 % interest which is illegal in my state of XXXX XXXX its a pay day loan under the pretense of an installment loan using tribal land to conduct illegal business practices. It bankrupts the people who use its services and lies and is a predator loan company. This company is in violation of the rico act. It attempts to collect more than you owe and the interest rate is immoral. The federal government should step in and put a stop to this insane lending at interest rates that would bankrupt anyone. I am a citizen of the XXXX and not a citizen of a tribe and revoke any consent I have given you and am under federal law and jurisdiction. This is illegal and should be stopped.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NY)

I was in the process of buying a car from a car dealer shop called XXXX. XXXX XXXX XXXX. The car dealer spoke to Navy Federal Credit Union twice without my consent on XX/XX/XXXX and XX/XX/XXXX. Navy Federal Credit Union received the VIN number of the car XXXX XXXX XXXX. They did not check the VIN report or check the accurate price of the car value for XXXX dollars. Navy Federal Credit Union released XXXX dollars in to the car dealers account XXXX XXXX that was not a legit company. I did not receive the car or get a refund. Navy Federal Credit Union management department is aware the car was sold to another car dealership that is registered to the VIN report called XXXX XXXX XXXX. XXXX XXXX XXXX confirm the car was sold with the title. Navy Federal Credit Union was denying my disputes of the auto loan for seven months. Navy Federal Credit Union is taking unauthorized fees from my credit card to pay the auto loan. I have two police reports and FBI report. Navy Federal Credit Union refused to call me back for a resolution.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank unfairly closed my checking/savings account about 3 years ago. 
I had over {$4000.00} on it, plus my stimulus checks were also sent to this account. 
I try probably dozens of times via phone or at one of their physical locations. At first I was told the issue was gon na be resolve within the week by one of their representatives. Later I was told my account was going to be permanently closed but that I will be receiving a check on the mail with the amount of money I had in such account. Finally they have been telling me that the account is under investigation. This investigation has lasted more then 3 years. Chase bank practically stole all my money for no reason at all. For someone of a low income this has affected me greatly, both financially and emotionally.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (KS)

Midland credit management has started attempting to contact me again regarding an old debt that I disputed the validity of. I asked them to send all communication in writing and now they are calling me from various phone numbers throughout the day.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services (OR)

I have tried for weeks to contact EdFinancial regarding my student loan payments and received no answer via several mediums. The monthly payment requested exceeds my finances and I need to talk with someone about lowering those payments. I have tried emailing and placing myself in their phone queue and received no answer. Additionally, their online chat system appears to be broken.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (VA)

I have government loan now the new lender is EDFINANCIAL services. I have tried all kind of communication to speak with a representative absolutely no luck for over 3 months following is what I have done : 1- called EDFINANCIAL many times the waiting time it said is XXXX hours! obviously I can not be on phone that long. I left many messages there has been no reply no contact with me for the last 3 months. 
2- I sent certified letter to the lender two months ago no respond.

3- I went online and contacted them and again no respond 4- I contacted my state representative XXXX XXXX and reported EDFINANCIAL to fail communicating with me. The state rep staff XXXX XXXX is following my concern. 

I believe ED FINANCIAL they are the worse lender I have ever come across absolutely no line of communication.