davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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. (AZ)

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.

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 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

tried transfering some of my points to an XXXX XXXX XXXX The website said i had to go through a phone verification, but it didn't work, so it said to call in to fix. 

I called to get help, but they said that that they can't verify my account to transfer the points out since my phone number is part of a family account and in my mother 's name. I asked if i can transfer the points over the phone and they said they can't get past this. They told me to try redeeming other ways like to redeem for gift cards etc. 

Issue is that I specifically got this card to be able to access XXXX XXXX. This is how the card is advertised. It never stated anywhere on their website that in order to transfer points out, I would need to have a cellphone account in my personal name. The fact that they offer no alternative to verification like perhaps uploading gov id, provide an SSN etc, appears to be a significant misrepresentation of the product being offered and creates an undue burden. I am sure that i am not the only person in the XXXX that has a phone as part of a family plan where the phone is not in their name.
Consumer complaint received 2024-01-19
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)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (FL)

Hello, I recently submit a complaint and receive response from company. Company has responded but they are asking for their own bank statement and they have restricted my access to my account how can I send the statement. Please solve this issue because they are taking this issue too far. If I had access I will send the bank statement they have asked for but I dont have any access to download bank statement.
Consumer complaint received 2024-01-19
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. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

CitiBank informed me on XX/XX/2023 that they were closing my accounts ( one checking and two savings ). These accounts held roughly XXXX XXXX  I had no notice and no explanation was given. I called the provided customer service number, and the service provider refused to provide more information and ultimately hung up the call.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (PA)

Not aware of this account. Contacted the credit bureaus and gave them copies of birth certificate, State drivers license and social security card. I explained that I am unaware of this account but they allow One Main to report every month on my credit report. Dates are inconsistent with all three credit bureaus name is incorrect XXXX XXXX XXXX was sent as proof on documents and I requested a copy of contract which never arrived.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (MA)

This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-08
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: Home Loan Center, Inc. (GA)

On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( XXXX ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.
Consumer complaint received 2022-02-19
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. (MO)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2024-01-19
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Account Balance : {$58000.00}
Consumer complaint received 2022-02-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.
Consumer complaint received 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

On XX/XX/2023 Navient student debt collection called my personal cell number for someone elses loan. They left a message claiming it was urgent, and that I needed to call them back regarding a business matter as soon as possible. When I called back and asked how they received my number for someone else 's loan, they claimed my number was listed as a contact on the account. That is untrue, and I told them so. Being single and not listed as anyones contact, I knew they were being deceitful. After asking 3 times where they received my number and stating I was filing a complaint, Navient then changed their story and reluctantly stated they received my phone number from " skip vendors '' but wouldnt be more specific. I demanded my number be removed from her database as I have not had student loans in over XXXX XXXX. They are obtaining numbers in a malicious and dishonest manner.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (TX)

Dear CFPB, My name is XXXX XXXX, I initiated the Balance Transfer on XX/XX/2023 from XXXXXXXX XXXX  XXXX XXXX ( now they changed the bank name to XXXX XXXX XXXX ) to my Chase Sapphire Credit Card : - XX/XX/2023 : CHASE sent the CHECK to XXXX XXXX XXXX XXXX  but the payment has never been posted to my XXXX XXXX Account. In the meantime, XXXX XXXX  they transitioned from XXXX XXXX XXXX XXXX XXXX and my account has been changed too. Therefore, I assumed the payment has not been posted due to different account numbers so I called Chase to recall/cancel the Balance Transfer and I paid off the balance from XXXXXXXX XXXX  by myself. 
- The first CHASE escalation ( Case numbers : XXXX ) : on XX/XX/2033 Chase sent me a letter via mail stated Our records show that your request to place a stop pay on the balance transfer of {$1600.00} was already submitted on XX/XX/2023. Please allow five to seven business days for the credit to post. The option to change the account number on the balance transfer check was not available. Then on XX/XX/2023, they sent another letter via the portal stated the Balance Transfer was completed and the payment was received by payee, so we are unable to cancel the balance transfer or request changes and advised me to contact XXXX XXXX  instead. 
- Therefore, I called XXXX XXXX  multiple times to inquire the Check which CHASE sent to them but they insisted that they have never received it. I spoke to the supervisor and she helped me to send the inquiry to their payment department with information Chase provided such as the Check/ACH numbers but they couldnt found it either. 
- The second CHASE escalation ( Case Numbers : XXXX ) created by XXXX on XX/XX/XXXX. I sent a secure message to request the copy of the Check then I called back on XX/XX/XXXX to get the update but no solution, I also asked XXXX from their payment department to see if the CHECK was cashed? He confirmed It hasnt been cashed yet. 
- I also sent the copy of the Check to XXXX XXXX XXXX to inquire if they have the Check by any chance. I received the letter and they stated its under investigation and would take up 90 days. 
- On XX/XX/2023, I spoke to XXXX from Chase payment department and found out the address on the Check was the headquarter of XXXX XXXX  not their payment processing center so he sent an email to Chase Balance Transfer department to report it and created the new case numbers : XXXX. 
- Until now, theres no solution despite I called multiple times for the update and also sent the inquiries via secured message. 
- Hence, Im owing CHASE the amount of {$1600.00} plus 5 % fee which they posted on XX/XX/2023 and the Check they sent to XXXX XXXX XXXX XXXX XXXX XXXX  ) seemed to be lost. 

I do hope CFPB can involve to help me to get my money back. 

Thank you in advance and do appreciate for your help.
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I AM A VICTIM OF MORTGAGE FRAUD AND DISCRIMINATIONS FROM WELLS FARGO HOME MORTGAGE. AS A RESULT OF A CLASS ACTION LAWSUITS FOR MINORITY HOMEOWNERS, I WAS ISSUED A CHECK BY WELLS FARGO XXXX. RECEIPT OF THE CHECK WAS SO UNTIMELY, THAT MY BANK REJECTED THE CHECK AS OUTDATED. I RETURNED SAME TO WELLS FARGO XXXX MORE THAN 7 TIMES FOR A REPLACEMENT. AS TODATE, I HAVE NEVER RECEIVED ANY REPLACEMENT OF THE RESTITUTION CHECK AS ORDERED BY THE UNITED STATES DEPT OF JUSTICE. OUTDATED CHECK NO XXXX, TRACKING NO XXXX, CHECK AMOUNT {$7300.00}. MY MORTGAGE LOAN NO IS : XXXX. THAT MONEY LONG BEEN OVERDUE TO ME AS RESTITUTION. AND THE XXXX ISSUED ME A BAD OUTDATED CHECK WHICH OF COURSE WAS OF NO USE. I DEMAND JUSTICE AND FURTHER DAMAGES PLUS INTERESTS.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: NCC Business Services, Inc. (GA)

On XX/XX/2017 my attorneys submitted a dispute of this debt on my behalf. At which time NCC Business Services was reporting this debt to XXXX. NCC was not able to validate the debt owed, so the account was deleted. NCC are currently reporting this debt to XXXX and XXXX despite the fact that they can not validate. 
They are in violation of the FCRA. As they continue to report an invalidated debt to the remaining agencies, when they requested the debt be removed from one.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX credit card account that was charged off on or round XXXX 2010. XXXX XXXX has been reporting to all the credit reporting agency every month with a increased amounts every month. Since XXXX XXXX has stopped sending me monthly statements after the charge off date. I have no idea what these monthly charges that are being reported to the credit reporting agencies. I am assuming these are interest charges but without some sort of monthly statements how I am supposed to know if these amounts are correct. My point is that XXXX XXXX should be sending me monthly statements per the " Truth in Lendind Act '' if they intend on occurring interest on this old account every month. If they are unwilling to send me monthly statements this account should be deleted from my credit report for none compliance with federal laws.
Consumer complaint received 2023-10-29
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. (PA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2018-08-08
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: Experian Information Solutions Inc. (LA)

I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.