davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (OH)

My data was involved in various data breaches, Equifax Data Breach, XXXX Data Breach, and XXXX Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the XXXX XXXX or Equifax.
Consumer complaint received 2023-12-21
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Today XX/XX/year> I called customer service to increase the daily limit, because I need to make 2 purchases in XXXX for an amount around {$900.00} twice, the override was done without any problems, and the first transaction did go through, but the second transactions was flagged as possible fraud. I didnt receive any call or text message on my phone number registered with the bank, only the email with the case number XXXX. I called the phone number indicated on the email, after a few questions the representative told me that the phone number is not eligible to receive one time passcode, and I was referred to a branch. Im travelling in XXXX, Im not XXXX resident and I live in XXXX. So, they told me I can send a utility bill and passport to be verified. 
This phone number was updated on XX/XX/XXXX from the old number XXXX XXXX XXXX to XXXX XXXX XXXX XXXX prepaid mobile phone US Mobile under my own name, so XXXX cant guess what is an " eligible '' phone for the bank to be able to get those codes.
Consumer complaint received 2023-12-21
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/24 I received my wig purchase from XXXX XXXX. Upon arrival I seen that the wig was not the correct length, it had spaces in it near the cap, had really bad shedding and a terrible odor. I contacted XXXXXXXX XXXX  to let them know my concerns and they refused my refund, instead they offered hair care advice and a coupon. On their website it states I am supposed to get a refund if dissatisfied with their product or if their product was faulty within 15 days or receiving. I disputed the purchase with wells fargo on XX/XX/24. They sent me a letter on XX/XX/24 asking for more information, I then called and told the representative more information over the phone. I then got a letter XX/XX/24 stating due to me not giving any extra information they are reversing my credit. I called immediately and told the representative that I did give more information and I am confused on why I am being sent this letter. She told me not to worry and to email them immediately the information I had, so I did. I then get a letter stating they are reversing my credit on XX/XX/24 due to not having enough information. Even after I did give them more information, thats totally unfair to me and now its way past the time to return the wig to XXXXXXXX XXXX. They expect me to pay for that and when I tried to re open my claim, they refused.
Consumer complaint received 2024-05-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

Direct Express indicated that oreganos it was my fault and I must have sent my information to someone etc. etc. I barely could understand the person and when I asked him to repeat the information I was cut off and repeatedly disconnected after many hours. 

Finally, they told me that I had to first cancel the card and wait to het a new one to file my complaint. They said there was no time limit but I later learned that may not be true.

Then, I was told that I could not send all of the fraudulent charges by email and tonly by telephone. They were rude to me and would not connect me to the fraud department and would hive me no address to email the charges to and that I may not get my money vack retc. I am a XXXX retired XXXX trying to survive on the measly amount and they have disconnected and cancelled my card, Please help!
Consumer complaint received 2023-12-21
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)

This letter is my final communication to Experian regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

1. Account XXXX XXXX XXXX XXXXXXXX ( XXXX and XXXX have removed this account ) 2. Account : XXXX XXXX XXXX ( XXXX has removed this account ) XXXX. Account : XXXX XXXX XXXX ( XXXX have removed this account ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter that is dated and time stamped for your reference.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BILL.COM, LLC (NJ)

account was closed but they can not provide a reason why or allow me to try to get it reopened. there is a negative balance on the account ( I am owed money for a credit that hit the account after it was shut by them ) I have contacted them over a month ago see what they can do and they said they would be sending out a check for the amount but it never arrived.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account 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 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. 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 of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AZ)

XX/XX/23 contacted mr.cooper servicemac costumer service for portal being down. 

Have tried logging in since XX/XX/23 website still down unable to make payment. 

XX/XX/23 notified that service XXXX XXXX address is not responding and XXXX will keep attempting to send it for XXXX hours
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Financial, Inc (PA)

On XX/XX/2024 FNF servicing check my background and made me a hard inquiries that affect my XXXX XXXX without my permission. 
I called, I sending messages, I tried different ways to solve this because I didnt know what kind of company they are and who did for my and used my personal information.
Consumer complaint received 2023-03-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

I never received credit that was due to me, the co-owner of the property along with my husband for a change in home insurance. Midland Mortgage paid out both premiums. Id informed the prior company of our decision to switch our home insurance coverage to our present home owner insurance of XXXX. Since Midland paid both companies it made my mortgage payment increase to XXXX more a month to which I have been paying since XXXX. I need my mortgage to go back down to XXXX like it was before. I need the former insurance company to reimburse me the extra payments they caused me to pay all because they refused my refund. The insurance paid to them was NOT for my husband, but it was for OUR HOME. XXXX XXXX was never sole owner. Thank you for your time and help.
Consumer complaint received 2024-05-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CO)

I called Jefferson capital ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b 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 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have my Bank of America credit card set up to make auto payments for the minimum amount and it has been set up that way since I first got the credit card. The payment is set up for the XXXX and is usually taken from my account by the XXXX. When my payment came out this month my auto payment was changed to take the full statement balance and I did not authorize that. I never went in and changed it from the minimum to statement balance. The minimum payment to be take was to be XXXX on XX/XX/XXXX but instead a full statement balance amount of XXXX was taken on XX/XX/XXXX which was not authorized and I now have a negative bank account balance. I want to know who changed my auto pay settings as I did not as their system is old and outdated and it is complicated to go in and change these settings. I called the company and they are supposed to reverse the payment but stated that it may take up to 10 days for the reversal which doesn't help as my bank account is currently negative.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Subject : Dispute Regarding Lack of Written Consent Pursuant to 15 USC 1681 [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Ohio, XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, Utah, XXXX ] Account Number XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. Pursuant to 15 USC 1681, I never provided written consent for your agency to furnish my information to third parties or obtain my information for inclusion in your credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), it is my right to be informed and give explicit written consent before any of my personal information is shared or used for credit reporting purposes. However, I have no record of granting such consent to your agency. 

In light of this, I request that you promptly investigate this matter and provide documentation verifying that you obtained written consent from me to furnish and obtain my information as required by law. Additionally, I request that you cease reporting any information about me until this matter is resolved in accordance with the FCRA. 

Please provide a written response detailing the results of your investigation and any actions taken to rectify this issue within 30 days of receiving this letter, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-12-21
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (AZ)

On Tuesday, XX/XX/2024, I visited my local Chase branch to open a credit card. I told the representative, XXXX XXXX ( Assistant Vice President, per business card I was given ), I was deciding between two specific cards, Sapphire Preferred ( {$95.00} annual fee ) and XXXX XXXX ( {$550.00} annual fee ). After discussing, I decided on the Preferred which has a lower annual fee but offered a higher signup bonus for opening in-branch. When I got home and added the card to my XXXX XXXX I noticed I was given a XXXX rather than a XXXX, which meant Id have to pay a higher annual fee and lose out on the higher in-branch sign up bonus, which wasnt offered with the XXXX 
I called XXXX back who confirmed and apologized for the mistake and told me there was nothing she could do so she transferred me to her manager, XXXX XXXX. XXXX stated that they couldnt do anything in-branch as they dont deal with credit cards but there was an unnamed department who he would escalate to and they would call me. I asked for a contact number so I could be sure the person who ultimately reached out to me was truly affiliated with Chase but he claimed there was no number to provide. 
I then called the general Chase customer service department and was ultimately transferred to a representative named XXXX. XXXX claimed there was nothing neither she nor her manager could do but asked if the branch manager ( XXXX XXXX offered to waive my first years annual fee. I said that wasnt offered but when I relayed this to her manager, XXXX, XXXX stated that the branch manager had no such authority and was puzzled as to why her employee, XXXX, suggested that. Throughout the process, every representative mentioned that if I wanted the XXXX card at this stage, the only option for me was to close the XXXX card and reapply for the XXXX, resulting in another credit check. I also asked if rather than getting the XXXX card, I could have the first years annual fee waived or if I could have the higher in-branch signup bonus applied to the XXXX but no one confirmed if this was possible, saying it would have to get escalated to the Marketing department. I confirmed that I wanted the case escalated as quickly as possible and I was given a case number but told I would only receive an update via physical mail within 7-14 business days. 
At time of this complaint, I have yet to receive the electronic paperwork I filled out in the branch and am frankly puzzled that such a mistake could happen.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX XXXX in the original debt collector was XXXX XXXX XXXX XXXX XXXX XXXX this account was closed due to it being old and it was sold to another collection agency and their prices arent matching. Their original creditor was requesting {$920.00} and the company they sold my information to without my consent is requesting I pay them XXXX I also have requested the company that bought my information without my consent to show me the original contract showing that this day is mine, and they also have not given me that information even though I show them that the information is incorrect, they keep saying its verified when you can clearly see its not.
Consumer complaint received 2024-09-21
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. (NJ)

was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: BARCLAYS BANK DELAWARE (MA)

In accordance with the Fair Credit Reporting Act, Barclays Bank Old Navy XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose.

You can not report transactions on a credit report.