davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

**Description of Incident : ** On XX/XX/2024, I contacted Pended Credit Union to inquire about the balances of my accounts. During this interaction, the representative, XXXX XXXX, informed me that she was unable to provide the requested information due to restrictions placed by their security team, who were not available until XXXX XXXX. I explained to XXXX XXXX that in past instances, other representatives had been able to provide this basic information without needing intervention from the security team. 

Despite this, XXXX XXXX persisted that she could not assist me and refused to provide any further help or alternatives. Additionally, when I requested to speak with a supervisor to resolve the issue, I was placed on hold for an excessive period, which appeared to demonstrate a lack of concern for resolving my query.

**Actions Taken : ** - I called Pended Credit Union specifically to obtain account balance information.

- I informed the agent of my previous experiences where such information was provided without security team involvement.

- I requested to speak with a supervisor due to the lack of assistance received.

**Resolution Sought : ** I am seeking a thorough investigation into the customer service practices at Pended Credit Union , specifically regarding how account information requests are handled and the training and customer service protocols for their representatives. I believe this incident may reflect broader issues within the organization that need to be addressed to prevent future customer dissatisfaction.

Thank you for reviewing my complaint. I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (CA)

I am writing to formally dispute late payments reflected on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX associated with the account opened with XXXX XXXX Self Lender Account Number : XXXX, Loan Number : XXXX, CD : Number XXXX. The account in question was initiated on XX/XX/XXXX, and closed on XX/XX/XXXX. 

The late payments reported on my account were a direct consequence of the post-pandemic financial hardships that significantly impacted my ability to fulfill financial obligations during that period. I am disputing these late payments as they do not accurately reflect my financial responsibility or creditworthiness, and they were a result of extenuating circumstances beyond my control. 

Moreover, I wish to highlight that the reported late payments go against specific provisions outlined in the Gramm-Leach-Bliley Act ( 15 USC 1681 ), which protects consumer privacy and imposes restrictions on consumer reporting agencies. Specifically, 15 USC 1681 Sections 602 and 604A ( 2 ) ensure the right to privacy and prohibit the furnishing of information without explicit written instructions.

Additionally, as per 15 USCS 1666b, creditors are prohibited from treating payments on credit card accounts as late for any purpose without just cause. The inaccuracies in my consumer report have unfairly impacted my financial standing and are a breach of my rights under this statute. 

The inaccuracies in my credit report, specifically the reporting of late payments during this challenging period, have unfairly restrained my ability to access fair credit terms, constituting a restraint of trade. 

Therefore, I kindly request a thorough investigation into these discrepancies and the removal of the inaccurate late payments from my credit report in compliance with the aforementioned statutes. I seek a fair and accurate representation of my credit history in accordance with the law. 

Please provide me with written documentation of the investigation 's results and any corrective actions taken. 

I want to emphasize that I am prepared to take legal action to protect my rights in the event that these inaccuracies are not addressed satisfactorily and in compliance with the law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-10
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: Byrider Franchising, LLC (IL)

am writing to bring to your attention a concerning issue regarding unresolved disputes on my credit report. Despite filing several disputes, these items persist on my report without my consent, causing undue distress and potential harm to my financial well-being. 

I have diligently followed the necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute inaccuracies on my credit report. However, despite my efforts, these disputed items have not been adequately addressed or removed, as required by law. 

The persistence of these disputed items on my credit report not only affects my ability to secure favorable financial opportunities but also undermines the integrity of the credit reporting system. It is essential that credit reporting agencies uphold their responsibilities to investigate and correct inaccuracies promptly and accurately. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that my disputes are thoroughly investigated and resolved in accordance with the FCRA. Additionally, I request that measures be taken to prevent similar occurrences in the future, thereby safeguarding the rights of consumers and maintaining the integrity of credit reporting practices. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX has violated my rights.

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 2023-12-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I sent {$990.00} to a family member since XX/XX/2023, money never deposited to the account. I contacted moneygram around XXXX, I received all kinds of reason/excuse ( because some does not make any sense ) why family member did receive the money, when contacted them by phone. 

I did, at least XXXX time, send a written message requesting a refund, still I am not getting any clear answer from company nor getting my money back it has been almost 3 months. 

Thank you
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NH)

Between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent charges to my Citi bank checking account totaling almost {$500.00}. On XX/XX/XXXX I spoke to a representative who started the dispute process. The rep informed me a new card was being expedited and that after the call was over a credit for the full amount would be in my account, but that I wouldnt be able to access the app for a bit. I kept checking the app and once I was able to log in the credit was not there. I reached out again and the second representative told me that that was indeed not the case and Id have to wait up to 10 working days. My car payment is late now and because of Citis lie I have no idea when Ill be able to pay it and may face repossession. Id just like my money back!!
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CA)

Someone was able to use my personal information to purchase a XXXX cell phone in my name with a company call XXXX XXXX and sent over to a collection company name XXXX XXXX XXXX I have tried to dispute this but nothing has happen...
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number : XXXX Delete this account. 
5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX, XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2023-11-05
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. (IA)

I have an unknown fraudulent account from XXXXXXXX XXXX XXXX being reported on my XXXX, Equifax and XXXX.. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/2023 XXXX {$0.00}
Consumer complaint received 2023-11-19
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)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I maXXXX also seek damages from you if warranted.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I received an updated copy of my credit report to find out that DIVERSIFIED CONSULTANTS INC. reported that i owe XXXX for XXXX when this account has already been proven that it was not mines, and removed not once but twice. This account has been sold to 2 different collection agencies.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX CARD XXXX, and ( Original Creditor : XXXXY ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I am a FEDERALY PROTECTED CONSUMER XXXX XXXX XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX XXXX XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by AGREEMENT, XXXX XXXX XXXX can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority XXXX XXXX XXXX do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an EXTENSION OF CREDIT, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. ANSWER THESE IMPORTANT QUESTIONS XXXX XXXX XXXX. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have NO RIGHT to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX XXXX to report negative information to a consumer reporting agency, XXXX XXXX XXXX maybe knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX 'S policy does not supersede Federal Law. I am demanding this charge off be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm and stopping me from extending credit in commerce which is my FEDERAL RIGHT
Consumer complaint received 2023-11-19
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. (MO)

Subject : Formal Complaint Regarding Discriminatory Practices and Unauthorized Access to Credit Report I am writing to file a formal complaint against your organization regarding discriminatory practices and unauthorized access to my credit report. I kindly request that this complaint not be closed without thorough investigation and resolution. 

I have encountered significant challenges over the past few months in attempting to rectify discrepancies in my credit report, specifically related to XXXX XXXX accounts and other unauthorized entries. My primary objective is to have these erroneous records promptly removed to facilitate my pursuit of homeownership and the realization of the American dream. 

As a minority XXXX woman, I am particularly concerned about potential bias in credit reporting. Notably, my social security number begins with a XXXX, and studies indicate that most minority social security numbers commence with a XXXX or XXXX, while non-minority numbers may start differently. This raises suspicions of discriminatory practices affecting my credit profile. 

Despite my persistent efforts, I have been unsuccessful in preventing XXXX XXXX and other entities from accessing my credit reports. I formally requested that your bureau block their access to prevent fraudulent activities. Regrettably, my requests have been ignored, leading to continued unauthorized access and monthly derogatory updates, adversely impacting my credit scores. 

I urge your immediate attention to this matter and request a thorough investigation into the discriminatory practices and unauthorized access outlined above. It is my expectation that the appropriate measures will be taken to rectify these issues promptly. 

I appreciate your prompt attention to this matter and anticipate a resolution that ensures fair and unbiased credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (IL)

I spoke to numerous people in different departments and the only one that was very helpful was A man named XXXX in the Re-entry Department. He was very helpful but then days later, I called back and I have been getting the run around and No one wants to help me. I am trying to save my home. Please have this resolved before my home is foreclosed. Thank you!
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I received a deposit from a loan from XXXX XXXX XXXX into my Chime account for the amount of XXXX. I spent less than XXXX XXXX  at XXXXXXXX XXXX XXXX XXXX  and used my virtual card information to make the purchase and after that someone else hacked into my Chime account and withdrew XXXX, XXXX XXXX XXXX, I never checked my account. I didn't know that I needed to. But there has to be some pictures of the person and it clearly isnt me i never withdrew from any atm. I reported it and they said no wrong doing. How can they say that. We are devasted by this. It was all we had and has left us unable to pay our bills.Please Help Thank You