davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Self Financial Inc. (OH)

OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

In XXXX Wells Fargo took out 2 payments to XXXX XXXX XXXX was for XXXX to cover a repossession charge. The other was an incorrect amount of XXXX which was done in XXXX. The Bank processed both payments the same day. I called them the following day to let them know one transaction was inaccurate XXXX WELLS FARGO HAS REFUSED TO ACKNOWLEDGE THIS ERROR AND SAYS TRANSACTION IS AUTHORIZED. 
I told Wells Fargo that I am not going to pay XXXX XXXX XXXX in the same month and now it's been back and forth since XXXX to make sure the Bank is not taking out the amount that I told them was in error. So far they keep taking out the money I have disputed for more than 2 months now which has led Wells Fargo to overdraft my account and keep insisting the transaction is authorized when I have informed them it's not. 
This has been going on for the past 2 months and no resolution with the bank. I know my account.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CT)

Blessings, at this moment that I start to review my credit report I realized that there are certain reports that do not belong to me, I called the different companies, which they did not want to explain to me how this happened and why I am going through this, which I did not I see well what is in my report since I do not have a license or know how to drive.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MA)

I have already contacted this company on different occasions and they insist that I have an alleged debt with them. 

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 
COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX Date Opened XX/XX/2023 Responsibility Individual Account Loan Type XXXX XXXX Last Payment Amount {$0.00} Original Amount {$3900.00} Original Creditor XXXX XXXX ( XXXX )
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (TX)

On XX/XX/23 Someone claiming to be an employee for speedy cash emailed and said I was approved for a loan of {$5000.00}. I completed the necessary documents and verified my bank account information so that the deposit could be made. The deposit was never made and I am now lead to believe I have been scammed.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, 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. (NC)

Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all XXXX major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Equifax : 1XXXX XXXX - XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 3. XXXX  XXXX- XX/XX/XXXX ; 4. XXXX  XXXX  - XX/XX/XXXX ; 5. XXXX  XXXX  - XX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I was scammed of {$55.00} and {$100.00} on venmo on XX/XX/23. I put a stop on my bank account and filed a dispute with venmo which they denied despite my police report and FBI XXXX report which also recommended me not to contact the scammer, whereas venmo told me to ask the scammer for money back. 

Subsequently, I was paid money on venmo which venmo took to fill the {$150.00} amount. I moved to close my account which had remaining money {$260.00} in it where venmo was supposed to mail me a check for, which never arrived.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is my second request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've conducted or approved in order to obtain goods, services, or money. Please remove the items listed below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX  XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00} ; XXXX XXXX XXXX  Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$2000.00} ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2018-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XXXX Dear Consumer Financial Protection Bureau, I am one of the first student loan holders who signed up for PSLF in XXXX. As a XXXX XXXX XXXX XXXX, after paying my loans for 10 years, my loans have been accruing interest and they are growing at an exponential rate. XXXX  XXXX is not counting at least 10 months of payments. My loans should be forgiven now, but if I have to pay them for another year the interest on my loans will have accrued another {$20000.00} to {$30000.00}. At this point they are up to {$150000.00}. Over the last three years, my loans have grown from {$110000.00}, to {$130000.00}, to {$150000.00}. What will they be in another year? I am aware that when my loans are finally forgiven, I will have to pay taxes on them as though they were income. 

The problem started when I went back to XXXX school in the fall of XXXX, when my loans were with XXXX. I did not take out more student loans, but instead charged my tuition to credit cards. When I enrolled in school, my student loans went into automatic forbearance. Once I discovered this, I called XXXX, cancelled the forbearance, and got them to flag my account so that it would not go into automatic forbearance every time I enrolled in a new semester. 

Then XXXX took over from XXXX, but unbeknownst to me, the flag on my account did not transfer. I continued to make my regular payments every month, but when I called to find out how many payments remained on my account, the clerk told me that the payments I made while my account was in automatic forbearance would not count. 

In the letter they sent me it says I only made three payments in the year from XX/XX/XXXX, however I made a payment every month the entire year. Then for some reason it says I only make 11 payments the following year. When I signed up for PSLF, I was told that I needed to make 120 payments. I have made 120 payments, but now I am told they dont all count. How could I have possibly known that? Please help me get all my payments counted. It will make a huge difference to the amount I will have to pay in taxes on this income that I will have never seen. 
Sincerely,
Consumer complaint received 2018-05-20
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: JPMORGAN CHASE & CO. (CA)

I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX  Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.
Consumer complaint received 2023-08-15
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair reporting act this creditor has violated my rights, under 1581 section 602 states I have the right to privacy.Section 1581 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15usc166B a credit can not treat a payment on a credit card under an open consumer credit plan late for any purpose.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

Amzn/synchrony bank made me apply for a credit card and forcing a debit offer on me when I did a consumer transactions for a credit card not a debit I called they proceed to pass me around for XXXX hours on a device an I'm XXXX and has a XXXX shortly there after from the stress I don't know if this the right place to talk to but the laws say they can not Provide you credit on terms different from those granted another person with similar income, credit history, and other characteristics. So do they switch every ones consumer transaction to whatever they want and still report on your report as a hard inquiry? My consumer transaction was for the XXXX XXXXXXXX of the Amazon store card not Amazon secure store card seeming to be a new trend cfpb needs to glue eyes to where do I go for help? Is this just going to be complaint?
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting duplicate accounts for XXXX XXXX which dropped my credit score by XXXX points on XX/XX/XXXX. 

Credit Reporting Agencies are held accountable for reporting inaccurate information that has negatively affected my credit score drastically. 

Experian is allowing XXXX XXXX to report the same debt with the exact company twice on my credit report. The account has been reporting in my credit report since XXXX. 

Experian has listed the account as newly opened. This type of behavior is unacceptable. This misconduct has caused loss of credit opportunities. 

Thank you
Consumer complaint received 2022-02-23
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)

On or about XX/XX/XXXX, I submitted a dispute to Experian indicating that information reported by XXXXXXXX XXXX XXXX was not valid or accurate. On XX/XX/XXXX, I received a reply from Experian stating that they verified the information as accurate and therefore would not modify the report. 

On XX/XX/XXXX, I received a letter from AXXXX XXXX ( copy attached ) indicating that they were responding to my credit bureau dispute. The letter stated that based on their information, they were instructing each of the credit bureaus ( including Experian ) to delete the account from my credit record. 

Accordingly, I re-opened my dispute with Experian by submitting to them a copy of the letter from the creditor indicating that the record should be deleted from my report. 

On XX/XX/XXXX, I received a reply from Experian indicating that the letter from the creditor was not sufficient to cause them to delete the record and that further investigation verified that the record on my credit report as accurate. 

The letter from the creditor stating that the record should be deleted should be sufficient and final. Unless Experian has some reason to question the validity of the letter itself ( which it should NOT ), Experian has no basis or need to further investigate the creditor 's decision and instruction to remove the record. It is simply absurd and over-reaching for Experian to become involved in the particulars of the dispute after the creditor has acknowledged in-writing that the reported information should be deleted from the credit file. 

The continued reporting of this invalid and negative information on my Experian credit report is impacting my credit score and unjustly interfering with my ability to obtain financing.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MD)

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXXT XXXX  that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-02-28
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. (TX)

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-08
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.