davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (IL)

I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called Discover to close my credit card on XX/XX/2023. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. Two months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. My last attempt on communication was to Discover on XX/XX/2023, XXXX business days ago and Discover has not responded as they said they would. Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.
Consumer complaint received 2023-10-16
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. (IL)

Went to check my credit score and it has XXXXne hard inquiry from XXXX that i do not recognize nor did i apply for this. i requested infomation from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still weren't able to give me answers
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc. (SC)

This company denied me my credit around XX/XX/2023. I don't care what the reasons are because that is grounds for discrimination from the Equal Credit Opportunity Act. I have a right to my credit, withholding my access it's security fraud, your violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying my credit. Please retract my application. I mentioned this to this company several times they have still not resolved this information. XXXX XXXX in fact for the all caps name XXXX XXXX
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Mohela has told me that they do not have permission to count payments from XXXX to XXXX. That say navient my original loan service records a consolidation in XXXX but indicates no payment from XXXX to XXXX which mohela notes is strange. But they wait for federal student aid to give permission to count below XXXX. Federal student aid has not acknowledged my requests. The ombudsman can not help me. My XXXX XXXX XXXX tried to intervene but no avail. This has been going on for 2 years
Consumer complaint received 2024-04-05
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. (IN)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING 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 I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.

If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (TX)

On XX/XX/XXXX at XXXX XXXX I received a notification of a bank transfer from my local bank XXXX. An acct that I barely use. Or thats what initially looks like when you first see the transaction on the Current app but when you click on it and open it, it shows it is a XXXX XXXX XXXX transfer and I do not have a XXXX XXXXXXXX XXXX account, I contacted XXXX to see if somehow that happened through them because I had just two weeks ago added my XXXX banking account number to my current account with my routing number via the Current app. I explained this to the rep and that this need to be escalated because somebodys obviously hacked into my current account because the XXXX account number is not listed anywhere but on there. And I do not have any accounts with XXXX XXXX XXXX. As usual they seem very unconcerned tell me its gon na take up to 60 days to get this money back. While on this chat with current because you can not call them. I was also in contact with XXXX. I wanted to make sure that nothing was initiated from my account with them. They told me no there was no transaction for this amount or anything showing up on my account with any kind of transfer whatsoever. due to this, I asked current rep if he could please close this bank account number out and reopen another one for me because it is fraud and now they have my bank account information. I Was told no that they could not issue me another account number that if I closed it if it was ever reopened, it would be reopened under the same account number. That is ridiculous. I have fraud going on in my account, and nobody will close my account and give me another account number theyll close it, but it does nothing because it still if I open up another one I get the same account number back this does not make any sense to me. This is not helping me eliminate this fraud. you cant call anybody up there so I have no way of getting any information other than what is listed on the app regarding this charge nobody ever calls me and this is happened a couple different other times with my credit card but yall close that out but you will not close the account out. That does not help me.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

back in 2019, i had returned the automobile back to wells fargo on my own because i was a hardship and could not afford the payments because my wife was sick and not working. i was the only one working in my family. i had also sold my home that year because the medical bills was piling up. 
wells fargo had closed this account. 
for 4 years this account was closed. in XXXX, they had opened the account again and my credit ratin had dropped XXXX points. 
because of this, i can not find a place to live and my family will soon be homeless
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (IL)

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.

I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law.

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 account : ( Enter Account Name ) : ( Enter Account Number ) 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 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

I've had a Discover credit card since 2020, so well over 3 years. I've never missed any payments, and my credit score is very fair ( actually it is over XXXX ). I applied for a new credit card with them on XXXX XXXX. I even called to verify my identity, because I have a credit freeze on my account, and everything was fine. My card was subsequently sent out a day later. However, I received an email on XXXX XXXX, asking for information regarding my income taxes. The email also stated that " my account would be on hold " until I signed the document for them to essentially audit my tax returns, or closed if I refused to sign it. No one ever called me ( I did receive two AUTOMATED phone calls, but no live person was available to speak with ), regarding this completely inappropriate and invasive request. Discover HAS never, neither has any of my other banks, asked me to do such a thing with the threat of an account closure. I am puzzled as to why my account is on hold, and why my income is relevant to my account. It is in good standing, and current. I am going to file a complaint with the attorney general and reach out to the news channel if nothing is done to correct this border line criminality.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CA)

On Tuesday, XX/XX/2023, I was hit with what seemed like hundreds of spam emails saying my email address was used to sign up for random accounts around XXXX XXXX. One of the emails was from XXXX saying there had been a credit check under my name. I thought it was a scam until I received another email later in the evening saying that the XXXX XXXX XXXX XXXX XXXX I applied for ( but I did not apply for this card ) has been shipped. I called the American Express fraud line to report that I did not enroll for this card and explained the hundreds of spam emails I received earlier in the day. The customer service agent said they will open an investigation into it. Today, Wednesday XX/XX/2023, I received a notice saying that XXXX  will be delivering the card via Next Day Air Saver at my old living address, which was my parent 's house. My husband stopped by and retrieved the package which contained the credit card. I'm still waiting to hear back from American Express regarding the investigation into someone fraudulently signing me up for a credit card that I had no intention of applying for.
Consumer complaint received 2023-10-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (NY)

We paid off a commercial mortgage and received a letter from Wells Fargo dated XX/XX/XXXXXXXX  to contact our private banker if we would like coopy of the recorded release. We did so and tried on numerous occasions to get a copy sent to no avail. We tried again on XX/XX/XXXX and spoke to XXXX in the wealth management department and she said this is for personal mortgages. She switched us to XXXX XXXX in the mortgage services department. She was not able to help and she switched us to XXXX in the commercial mortgage department. Guess what ... ..she couldn't helpand she switched us to XXXX in XXXXhe small business premier department. You guessed it ... .she couldn't help and she switched us to XXXX in the home equity department. She couldn't help and I told her unfortunately I am left with no choice but to file a complaint in order to get a copy of the recorded release. Thanks for your help!
Consumer complaint received 2023-10-16
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX  and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-06-14
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

None of your choices were the correct choices per my problem. My problem is that Equifax dropped my score by XXXX points from XX/XX/2023 to XX/XX/2023, and per their own information that I have included on the attached document, the only change was that my credit card went from {$0.00} to {$150.00}. That is only using 13 % of the credit utilization for that card. It seems to me that has to be a mistake. Equifax does not give you any way to make a dispute with them online so I am going through CFPB instead.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Two accounts are showing up negative, and continue to report negatively, when I did a debt consolidation, or debt settlement with a company years ago ... XXXX The company was called XXXX XXXX... And I paid the debt off thru them. WHen i call the creditors, it says I have a XXXX balance, however still affecting me very negatively and still appearing to report for months now and years afterwards. 

The Comenity My Place Rewards, balance of {$290.00} paid off and XXXX which is also Comenity Bank, balance of {$970.00}. Both paid off before XXXX. 

Everytime I call the companies, I am reassured there is a XXXX balance yet it is still reporting negatively. Please HELP : (
Consumer complaint received 2024-04-05
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. (MI)

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.