davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. Despite my repeated attempts to rectify this issue with XXXX XXXX XXXX XXXX, they have failed to amend the misinformation on my credit profiles. 

I have provided XXXX XXXX XXXX XXXX with substantial evidence refuting the existence of any outstanding balance. I have not received any Form 1099-C reflecting the alleged charge off, nor have I received any concrete evidence from XXXX XXXX XXXX XXXX or the original creditor demonstrating the validity of the purported debt. Furthermore, XXXX XXXX XXXX XXXX never provided any documentation bearing my signature acknowledging the debt as mine or confirming my agreement to pay such a balance. 

Moreover, I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties is now considered certificates of indebtedness, constituting income that can not be reported. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against XXXX XXXX XXXX XXXX Additionally, I urge you to ensure that my credit profiles with TransUnion XXXX XXXX and any and all other reporting agencies are corrected expeditiously to reflect the complete removal of this item in compliance with the FCRA and IRS regulations. XXXX XXXX XXXX XXXX failure to comply with these legal obligations may result in further action to protect my rights under federal law.
Consumer complaint received 2023-04-25
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: BARCLAYS BANK DELAWARE (HI)

Barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX of money being moved in and out of my XXXX account, reported by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
My reports were ignored, minimized and were reported by the account managers as part of their incentive program. 
On XX/XX/XXXX four separate unidentified payments seen as purchases were charged to my account. This happened 5 days after my accounts auto payment, these funds took my account over its allowable limit. They automatically reported a delinquent payment and overage of credit limit, this in turn dropped my credit score by XXXX points. The reduction of credit score, overage and delinquency triggered my oldest credit account of 27 years to lower my credit limit by XXXX which again lowered my credit score. Ive spent hours and hours on the phone trying to remedy their accounting mistakes, they don't have any clue where the money has come from nor why its moved in and out of my account, they have no resolution to destroying my credit and limiting my buying XXXX ( Im a small business owner and use my credit to float my company ) On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not incorrect, asked for any future unauthorized credits to be flagged and that I be contacted. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I called and informed account manager of discrepancy informed it was not to be worried about sir it is only our reward program. I asked that no unauthorized action be taken on my account. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I again called and informed account manager of the discrepancy and asked for a letter stating the reason the money was being credited. 

On XX/XX/XXXX XXXX Unauthorized Credit was credited to my account I was unable to call On XX/XX/XXXX My account was debited the minimum payment of XXXX and was reported as current with the next required payment due XX/XX/XXXX. By XX/XX/XXXX XXXX of unauthorized transactions were placed on the account it was reported as delinquent and over my limit of XXXX. 

XXXX XXXX I received separate letters stating approximately XXXX dollars had been charged to my account of which the numbers again didnt match. 

As of XX/XX/XXXX unauthorized amounts are still going in and out of my account. I have frozen the account and pulled all modes of payment until they are forced to acknowledge and rectify. 



I am exhausted and disillusioned after countless hours on the phone dedicated to resolving this with the Barclays staff and account managers, and have hit a limit of their ability or willingness to do anything. I beg for your guidance or assistance.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IL)

On XXXX XX/XX/year>, I requested an online savings account with BMO Alto. At the time, I wished to add my husband as a joint signer. My husband already exists as a joint signer on another account with BMO Alto. This extant account is in place for almost a year, and with a satisfactory history. The joint applicant request was declined, with no reason ( s ) provided either via the e-mail or when I spoke with a representative. The representative advised that I " make another application as there may have been a typo when completing the joint applicant form. '' On XXXX XX/XX/year>, I followed this advice from the BMO Alto representative but the same result occurred. Another opaque e-mail with no decline details, and another conversation with another BMO Alto representative which went nowhere. Again, I was told to " reapply as that was all they are allowed to tell clients. '' So now I am advised to apply again. I can not see the logic here. 

More troubling, though, is that BMO Alto is not giving us any reason ( s ) why they can not accommodate the joint signer request. Not just frustrating, but this is unfair of BMO Alto 's refusal to give us details to address and remedy whatever it is that is coming up in BMO Alto 's systems and which is prohibiting us moving forward on our request. 

There are no blemishes of which I am aware on either of our credit and financial profiles. We hold many accounts jointly at a variety of other banks and brokerages.
Consumer complaint received 2023-04-25
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete these inquiries XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/2XXXX XXXX XXXX Inquiry Date XX/XX/2XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (PA)

I disputed a debt with National Credit Systems through the credit bureau for {$4000.00} which was opened back on XX/XX/18 due to the fact that I never signed or had any agreement with NCS nor was there any information provided that my information would be shared or sold to them for collection. I never gave consent to this written or verbally. I requested to see this information and none has been provided.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (ND)

Earlier this summer I had an incident where a theft occurred and this included my XXXX  account which had unauthorized charges and attempts to use cards on file to purchase items. I contacted XXXX XXXX and informed them of situation. I provided documentation letting them know of the incident. I should never have been charged for the unauthorized charges and my account should have never been able to be used to purchase anything at all.
Consumer complaint received 2023-08-15
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete 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 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 2023-08-07
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: EQUIFAX, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TN)

I recently requested a 2 payment deferment for and automobile account I have Wells Fargo Dealer Services. The request was made XXXX XXXX and the deferment was approved. Wells Fargo reported the deferred payments delinquent to 3 three credit Bureaus XXXX, XXXX, & XXXX.
Consumer complaint received 2024-03-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I spoke to five people at Goodyear Citibank, three were in the customer service department and two were in the collections department at XXXX on XX/XX/XXXX, no one quite knew what to do with me. I asked for any one who could help me with regards to taking three delinquent payments off of my credit, I did not want a refund or anything of the source, just the creditor to go to the XXXX credit bureaus and redact the delinquent payments as they occurred in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which occurred during the COVID-19 pandemic and should be protected under the CARES Act, all three payments and any associated late fees were payed promptly in XXXX of XXXX after I regained my footing. My state at the beginning of the COVID-19 pandemic had some of the strictest laws in the country with regards to the COVID-19 pandemic with many places of employment completely shutting down. I confirmed with a customer service agent and a collections agent that my account shows a XXXX  dollar balance to this day. Two of the people I spoke with, were supervisors, and to my understanding, both of whom told me that essentially I can not write a complaint here because I had no protection? However, everywhere I look states that Goodyear Citibank is, so I am a bit confused there and I don't see an exclusion on the CFPB for Goodyear Citibank. One supervisor, when I stated so to make sure I'm understanding this right, Goodyear Citibank is not protected and so I can not report a complaint through the Consumer Financial Protection Bureau ( which up until that point is how the conversation was going ), then redacted what they stated and that they believed that my card was not protected and then when I pushed further I was told that she can not see if my card was protected, so to be XXXX, I'm unaware what the truth is here. They then told me to submit this issue through the credit bureaus and was going to provide me with the XXXX XXXX numbers for them, to which she provided XXXX and then I declined the rest as it is a very quick and straight forward google. I also was not able to speak to anyone who could actually provide me guidance or help, as I asked repeatedly for someone who could help resolve this matter ( if it wasn't obvious given I spoke to two different supervisors and 5 people in total in two different departments ) as we went round and round and I was being XXXX  walled.
Consumer complaint received 2024-03-24
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. (TX)

I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX, XXXX XXXX XXXX, and the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Legal Standards and Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) emphasizes the need for consumer reporting agencies like XXXX and Experian to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
2. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
3. 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
4. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
5. 15 USC 1681C ( a ) ( 5 ) and 15 USC 1681s2 ( A ) ( 1 ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
6. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important matter.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: HireRight Solutions, Inc. (IA)

XXXX XXXX XXXX XXXX, TX XXXX, XXXX, TX XXXX Date Reported : XX/XX/19 This is reported as one of my addresses and I have always lived in Iowa my whole life. This was under the section of social security trace. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc (FL)

Dear all, I took out a loan with Credit Fresh and have realised the bi-monthly payments are too high and unaffordable for me. 
I have made 3 payments so far.

I called Credit Fresh today ( XX/XX/28 ) to explain the situation and asked if I can make monthly payments instead of bi-weekly to help with the affordability issue and they refused. 
They advised they can not or will not reduce the frequency nor the payment amount until Ive paid off several months. The other option they have is to not pay and go into a past due status which will lead to credit score being affected and eventually collection.

I spoke to both an advisor on the phone and their manager who both refused to assist. 

Please could you advise what options I have? 
Surely as Im not in arrears and trying to make a more affordable payment, they should be willing to assist? 

Regards XXXX XXXX
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CA)

My SUV was repossessed after being totaled in a car accident on XX/XX/2023. I was not @ fault I sued the other party & their insurance company XXXX XXXX and her employer XXXX. Her employer has taken responsibility and has been requesting information through their insurance XXXX XXXX XXXX. 

RE : Re : XXXX ( Claim # ) Toshia Rush Claims Associate XXXX XXXX XXXX XXXX XXXX Co. 
XXXX XXXX XXXX. 
XXXX XXXX, KS XXXX XXXX XXXX Wells Fargo Auto XXXX Account # XXXX Balance : Due {$10000.00}
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX and Experian emblem XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from XXXX XXXX.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (DE)

OnXX/XX/2024 I reached out to Webster Bank. I spoke with the Branch manager and requested a copy of my 1099int for filing my taxes. XXXX XXXX, Director Banking Center ManagerNMLS # : XXXX Webster Bank | XXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX XXXX dlouellette @ XXXX. I was surprised at how little the interest was. XXXX dollars for the year on a {$30000.00} balance. I proceeded to ask why it was so low and was informed that they locked in a rate of .001 % on my accounts. There were XXXX different accounts, XXXX money markets, savings, checking. I asked why the money markets and others were locked in when a money market was supposed to change with the market. I was informed that I had to ask if I wanted the interest rate to change. however if I opened a new account it would be higher and other people 's accounts have changed and they even would negotiate higher interest rates to be competitive. I was also told there was some sort of changeover that I was not told about and if I had come in the rate would have changed. They were not willing to talk or do anything about compensating me after being a client for XXXX years. I can not believe this type of behavior would be within the spirit of the law governing the finance banking world. If you can help to rectify this problem it wouold be greatly appreciated.Thank you in advance.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I visited the local branch to deposit a check for {$7200.00}. The cashier processed the deposit without any problems, but later, when I checked my account on the online mobile app, I noticed a negative amount, which was incorrect. 

I called the bank to inquire about this discrepancy and was transferred to the fraud department. They informed me that there was an issue with the verification of the check. I suggested that they contact the sender for verification, as is standard practice. However, instead of resolving the matter professionally, I felt that I was being racially profiled, as if I could not possibly earn this amount of money legitimately. 

The customer service representative asked if someone had emailed me the check, which was confusing, as I do not know anyone who would do that. I was also questioned about how I obtained the check, as if my business activities were being doubted. 

I am puzzled as to why the bank did not simply verify the funds and contact the sender if there was an issue, as is typically done. I understand that it can take a few days to verify a check, but the approach taken by the bank was disrespectful and unprofessional. 

Furthermore, I was asked to provide copies of my business contract with a client, which I can not do as it is illegal for me to share such information. This situation has put me in a difficult position, as I have pending deposits that will come through this account, and my bills may fall behind if my account is closed in 30 days, as I was told would happen if I do not provide the requested information.