davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (AZ)

Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services concerning their refusal to provide me access to my own credit, which I believe constitutes a violation of Title 15, Subsection 1611 of the United States Code . Discover 's actions have had an adverse impact on my consumer credit, as described under 15 U.S. Code 1681. 

On XX/XX/2023 I applied for a discover card online. The terms and conditions do not expressly tell you that the application is turned into an asset backed security and sold so the company can profit whether credit card is approved or disapproved. I was denied credit, then upon researching the company 's filings and I read how they profit from the application, I immediately contacted discover and expressed my concerns.

Discover response with their decision stands.

I have attached relevant documentation, including correspondence with Discover, to support my complaint.

I am deeply concerned about more than just the denial of access to my credit. I have reason to believe that Discover Financial Services may be involved in securities fraud. According to the company 's annual reporting ( 10-K ) and indenture agreement on file with the Securities and Exchange Commission ( SEC ) , the credit application I submitted to Discover appears to have been turned into an asset-backed security. This raises serious questions about the legality and transparency of their financial practices.

Given these concerns, I believe it may be important to involve the Federal Trade Commission ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services.

I kindly request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S. Employer XXXX XXXX. ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX for their alleged violations of federal laws, including potential securities fraud. 

I also request that the CFPB assist me in resolving the issue of denied access to my credit and ensure my access to accurate and complete credit information. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

I have disputed the reporting of accuracy for account XXXX over 5 times with Experian. I have recorded phone conversations with the assigned rep over the phone telling me that he would remove the past due notation from my report after he verified that he received the fax that I sent to Experian on two separate occasions. The XXXX account was charged off back around XX/XX/XXXX or XX/XX/2014. There are several different areas of concerns with Experian : When you challenge them they place your file into segregation and assign your account to their consumer affairs rep. Which this rep will investigate one time and basically use previous investigations to determine that the validity of the account doesnt need to be re-investigated. This account has several violations that violates the FCRA and the FDCPA.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax and XXXX have repeatedly reported inaccurate information on my credit report they have two addresses that i have never lived at and are unmailable addresses. They are XXXX XXXX XXXXXXXX XXXX XXXX XXXX GEORGIA XXXX AND XXXX XXXX XXXX XXXX GA XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX GA XXXX. AT THIS POINT I WILL BE PURSUING LITIGATION IF ITS NOT REMOVED AND UPDATED ACCORDING TO THE PRIVACY ACT OF 1974.PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802 TO 6805.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX, 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County. 

Regards, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I placed 3 purchase with a merchant on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The merchant did not provide me with the service which led me to dispute the the transactions. The merchant themselves refunded me for the last XX/XX/XXXX, transaction. I filed a dispute with the credit card company for the other two, one of them was approved the other wasn't, when I try to Get a reason of why not, their are unable to provide me with that information and they now tell me its out of the timeframe.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 WITH OUT 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 FOLLOEING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On  XXXX  of  XXXX , I felt I had no choice but to walk away from my townhouse located at  XXXX , California. I had  XXXX  purchase mortgages for this townhouse, a primary and a secondary. Both were originated by the now defunct  XXXX   XXXX   XXXX , both allegedly transferred over to  XXXX   XXXX   XXXX  at about  XXXX   XXXX , and around  XXXX   XXXX , the primary mortgage servicing allegedly went to  XXXX   XXXX  and the second mortgage allegedly went to CCO Mortgage.  XXXX   XXXX  and CCO Mortgage were still servicing my primary and secondary mortgages, respectively, when I defaulted. I was told by   XXXX   XXXX   that I did not qualify for any of the HAMP or HARP programs, nor did either  XXXX   XXXX   or  CCO Mortgage provide any assistance in regards to a short sale nor a deed-in-lieu.  XXXX   XXXX  foreclosed on the townhouse in  XXXX   XXXX . On  XXXX  of  XXXX , I applied for a FHA mortgage since it appeared I would quality after just three years after a foreclosure. Through this process I found out the CCO Mortgage had since changed its name to Citizens One Home Loans and was continuously sending all three credit reporting agencies information that I still owed them {$41000.00} even though California is a non-recourse State. The credit union where I was trying to obtain the FHA loan through tried to assist by contacting   XXXX   XXXX    XXXX  who ended up conferencing me in with Citizens One Home Loans to request that the Amount Past Due to updated to $  XXXX  since my property was foreclosed on. The representative at  Citizens One Home Lo ans stated that I still owed the loan, but that they will not try and collect, and that they will continue to make that claim fo r 7 to 10 add itional years. In addition,  Citizens One  increased th he Balance Amount to  {$55000.00} after this interaction and continues to increase the  Balance Amount  on a monthly basis. I had filed a dispute with  Citizens One  and all  XXXX  credit agencies on  XXXX   XXXX , but all that resulted was for the  XXXX  credit agencies to put a fraud alert on my credit report and fo r Citizens One  to exceed the 30 day response period with a " We are still investigating '' letter.  Citizens One  has also exceeded the 15 day extension, which they should only have gotten had they received new information, which I do not believe has occurred. Citizens One is playing games with the Fair Credit Reporting Act and claiming that  I con tinue to owe them funds when the debt should have been cleared after foreclosure, based on California 's anti-deficiency rules. Please help. Thank you.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX and Transunion has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Transunion : XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2023-08-05
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC (TN)

When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY (CA)

Consumer Financial Protection Bureau XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Wells Fargo Bank Regarding Credit Limit Reduction Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo Bank concerning a recent decision to lower the credit limit on my credit card account without what I believe to be a reasonable justification. 
On XX/XX/XXXX, I received a notification from Wells Fargo stating that my credit limit on the account ending in [ last four digits of your account number ] was reduced from {$16000.00} to {$9100.00}. I am deeply concerned about this decision as I have always maintained my account in good standing, never missing a payment, and adhering to the terms and conditions of my credit agreement. 
The stated reason for this credit limit reduction was provided as " payments too low. '' However, I find this explanation puzzling, as I have consistently met and exceeded the minimum monthly payments required by Wells Fargo. Furthermore, my financial responsibility has been evidenced by the fact that I am diligently paying down the balance within the 0 % interest period, which is set to expire in XX/XX/XXXX. 
The reduction in my credit limit is particularly distressing given that I am still within the promotional 0 % interest period for purchases until XX/XX/XXXX. This decision places an unnecessary financial burden on me, affecting my credit utilization ratio negatively and potentially impacting my credit score. As a conscientious and responsible cardholder, I find it disheartening that a decision based on " payments too low '' would be applied without a clear and comprehensible explanation.

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and urges Wells Fargo to reconsider and rectify the decision to lower my credit limit. I believe that this action is not only unwarranted but also has the potential to adversely impact my creditworthiness and financial well-being.

I appreciate your prompt attention to this matter and look forward to a resolution that ensures fair and transparent banking practices.

Thank you for your assistance in this regard. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been a customer with Bank of America for over 14 years and for the last 2 years the practices of this bank have been unfair! I have closed XXXX of the XXXX accounts that I had with them because of the lack of communication and poor customer service. 
I made a payment from my account and the payment went through twice causing my account to go into an overdraft. In the past ( because this has happened before ) the bank would give me a call and ask me if this was done and XXXX! Or if it was unusual activity, they would notify me. NOW they just post everything! as if to charge fees! With no notification to the consumer. I called this morning and asked all of the above and was told by XXXX rude managers this is the Banks policy and that I would receive my refund between XXXX business days! I stated they could clearly see it was an error, same transaction twice on the same day and they cleared both without notifying me of it XXXX! I was again told there was nothing more they could do. I feel Bank of America changed their practices after being sued and taking it out on loyal customers. And it's not fair! 
I am closings my remaining accounts at this bank but I am looking to have all my overdraft fees returned to me for my inconvenience and lack of customer service.
Consumer complaint received 2024-03-15
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. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MS)

I had problems when I tried to set up XXXX wallet on crypto.com. It says i failed to set the account and then no way to get my noney out of the digital wallet. The company asked for my address prood, SSN and ID. I sent all details and thwn they issued me a ticket ( docket ) to resolve the issue. This was back in XX/XX/. The issued ticket number is XXXX. Since thwn I am following up and they sent me mails saying they are working on it a d asking my comments about their service abd nothing happens. 
I even tried on their live chat abd still couldnt get any help.