davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got an email on XX/XX/year> that I would be receiving a credit card from a closed account from a year ago with CapitalOne. I did not request a card and I had no open accounts on my mobile app so I ignored it, thinking it was a scam. I received a credit card today in my name, at my address, that I did not order. 
I called CapitalOne and they said I applied for it earlier in XXXX... I did not. I have not applied for a credit card this year. They told me a different number was used in my application and said they would open an investigation. 
I do not know how or why someone would apply for a credit card with my information but I did not apply for anything and now it is in my credit report as a hard inquiry as well. I froze my credit with XXXX, XXXX, and XXXX. I also changed several of my passwords because I think they might have gotten information from the password leak XXXX warned me about earlier this year. 
I did not request anything and I did not apply for a credit card.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my XXXX  request that I have been a victim of identity theft and that no body seems to care about this matter, that I want to dispute some inaccurate records in my credit file that do not belongs to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Chime closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to chime but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by chime where refund was from, XXXX XXXX  XXXX whom bank check came from and XXXX XXXXl whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I have reached out to chime over a year now and nothing has been done. I also reached out to XXXXXXXX XXXX but they said its on chime to report fraud.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (FL)

Delete Hard Inquiries from Equifax : 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 In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2024-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

Account in question : Transworld Systems Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2018-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized.

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

Was checking in on my Credit report and I seen that I had a collection from a company By the name of Jefferson capital. This is the second or third time XXXX has sold my information to a 3rd party. XXXX and XXXX XXXX both notified me and didnt report this due to this same situation XXXX never notified me neither did this Jefferson Capital by mail email or phone.Ive never done business with Jefferson Capital and never gave permission to obtain my personal information and would like this take off again I went to file a FTC Report and it transferred me here.I spoke to a Supervisor at XXXX and she explained for me to file this report cause one of the other employees was misleading me with the information he was giving me and she agreed with everything I explained to her. I spoke to her on XX/XX/2024
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (FL)

We bought a new car on XX/XX/18. We are co-owners. The dealership submitted numerous applications to secure the loan. We were ultimately approved for the loan by a credit union for an interest rate of 3.99 %. XXXX  was one of the lenders that denied the loan. My complaint is that we did not receive our credit denial letters from XXXX  until today, XX/XX/18. We received one letter for each of us. The letters are dated XX/XX/18. The Fair Credit Act states that creditors only have 30 days to send denial of credit letters. It even states on the bottom of our letters that our credit was pulled from XXXX  on XX/XX/18. XXXX is obviously considerably over the time that the law allows.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer. XXXX XXXX. XXXX ( c ).
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (OH)

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 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AmeriCash Holding LLC (NC)

I received a text message from Americash loan saying new information about my account. I submitted a complaint in the past and now I found out they lied to Consumer Financial Protection agency. The Representee says you are {$150.00} dollars past due. Because I missed a payment in XXXX. Well, I go back into the account they have got me owing another 6 months of payments after having my last payment due on XX/XX/year> now they added another 6 freaking months on money when I borrowed only XXXX. If I'm past due, why am I paying almost on another loan, almost XXXX dollars. I asked this company to read the reviews. This is a rip off company who thrives on people who are struggling. I want a settlement on this account and never to look at them again. I'm not only dang struggling financially, but I am also struggling with trying not to lose one of my eyesighXXXX XXXX XXXX XXXX With XXXX XXXX. I will next call XXXX XXXX after this complaint. Who does this to people.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
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 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 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
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-12-29
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-09
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX Original creditor : XXXX XXXX IN COMPANY 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
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NV)

I contacted Wells Fargo on XX/XX/XXXX to notify them of many fraudulent charges that were on my credit card statement and to dispute these charges. I was never notified in any way by Wells Fargo about suspicious charges on this credit card and a representative from Wells Fargo confirmed this over the phone. All of the disputed charges were at XXXX and on my statement it shows it from an Arkansas based XXXX and the oldest charge was on XX/XX/XXXX and the most recent charge was on XX/XX/XXXX. There were a total of 101 charges that were fraudulent all from the same XXXX vendor . The fraudulent charges totaled {$8600.00} and the majority of the interest charged during that time is also attributable to these charges and it totals {$630.00}, and the single largest fraudulent charge was for {$260.00}. Wells Fargo responded by a letter in the mail and stated that all of these charges were determined by them to be legitimate and that none of them were fraud since they followed what they said is my normal spending patterns. I never shop at XXXX XXXX ever. Not a single charge at XXXX follows my spending patterns. I called them after this to dispute their conclusion and reviewed with them some of the odd spending patterns that were created. One oddity was nine transactions at XXXX in a single day and often times there would be 4 or more transactions in a single day. Another oddity is being charged exactly {$70.00} six different times in 2 days and also being charged exactly {$81.00} nine times over five days. I argued that this is not a normal spending pattern for any real person. They said they would investigate and send their response by mail which they did and determined again that none of these mentioned charges were fraud and that I am responsible to pay for all of them. {$3300.00} of these fraudulent charges happened within the last two statements when I notified them of the fraud and disputed the charges. And again, they never once contacted me by phone, text, email, mail, or internal message on their website about any suspicious activity related to a single one of these charges. Now they're sticking me with the bill for all of it and unfortunately I've already made cash payments for half of these charges.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

ALLIED COLLECTIONS SERVICES XXXX XXXX XXXX XXXX XXXXXXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Account name : JEFFERSON CAPITAL SYST ( Original XXXX  ) Account XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-20
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX  XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information
Consumer complaint received 2024-04-30
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: CREDIT ACCEPTANCE CORPORATION (MI)

Dear CFPB, I am writing to formally address the significant impact that XXXX 's ( credit acceptance corporation ) actions have had on my credit and personal life due to the reporting of inaccurate and unfair information to the three major Credit Reporting Agencies ( CRAs ), as well as a breach of contract. Despite my repeated attempts to resolve this matter privately, including sending a pre-arbitration demand letter, XXXX has failed to address the issues outlined in the demand letter within the required 30-day timeframe. 

As a result of XXXX  's actions, I have experienced detrimental effects on my credit and personal well-being. In light of these circumstances, I am filing this complaint to bring attention to XXXX 's unfair practices. I am hopeful that by involving the CFPB, we can find a resolution without the need for further legal action. 

I have also attached a draft complaint, summons, and cover sheet for a potential federal court case or arbitration proceedings that I intend to pursue if the issues raised in this CFPB complaint are not adequately addressed by XXXX. 

I appreciate your prompt attention to this matter and look forward to a timely and amicable resolution.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (MI)

My husband and I had a business line of credit with XXXX XXXX, secured with equity from our house and commercial building. This line of credit was paid in full and closed in XXXX. In XXXX, when we sold our commercial building a lean from this line of credit showed up making it difficult to close on our sale. After much hassle we were told the documentation had not been filed by XXXX XXXX correctly. Chemical Bank had purchased XXXX XXXX and we provided proof of payment in full. Chemical Bank then gave a written release of the mortgage for the commercial sale of the building. We have recently accepted an offer for the sale of our house. Again, this line of credit shows up as a lean making it difficult to close on the house. TCF Bank has purchased Chemical Bank. I have talked to the local bank manager who states it could take awhile to resolve as it goes to a regional loan officer. They were unsure as to when this could be resolved, which could affect the sale of our home. This problem should have been taken care of in XXXX, then again in XXXX. I want this to be resolved. I am glad my husband and I did not die and leave this mess for our children. I would appreciate a prompt resolution of this problem as it not only causes undue stress but may affect the sale of our home.