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

Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-01
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. (MD)

XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to XXXX, Equifax and XXXX. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2024-01-01
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2024-01-01
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 &
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION (FL)

I am writing to express my deep disappointment and concern regarding Vystar Credit Union 's lack of response to my dispute, which I submitted on XX/XX/2023. Despite my diligent efforts to resolve this matter amicably, I have not received any communication or investigation results from your institution, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I provided you with the necessary information and context in my dispute letter dated XX/XX/2023. In my communication, I clearly stated my concern regarding the accuracy and completeness of the accounts that you are reporting on my credit report. 

My primary objective in submitting this dispute was to request validation of these accounts and to ensure their 100 % accurate reporting. Given that I have reason to believe that these accounts are not being reported in accordance with the FCRA 's guidelines, I also requested their immediate removal from my credit report as a corrective measure. 

As of the date of this letter, I have not received any investigation results or communication from Vystar Credit Union regarding my dispute. This lack of response not only disregards my rights as a consumer under the FCRA but also raises concerns about the adherence to ethical reporting practices.
Consumer complaint received 2022-02-06
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. (OK)

I have submitted several disputes regarding the below inquires. I have reported to Equifax, XXXX and XXXX that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

Equifax XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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: Experian Information Solutions Inc. (TX)

I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have called several times to XXXX, XXXX and experian regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''
Consumer complaint received 2023-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

Last Friday ( XX/XX/22 ), I attempted to send money directly from my Chime checking account to my mother 's bank account. I have not done this before and was not sure how, so I contacted Chime customer service via the phone. I called their phone number at XXXX. The man on the other end of the line proceeded to tell me that he could help me with the transfer of funds. Therefore, I was told by this person who claimed they were a chime employee ( who answered the phone listed as the chime phone number ) to send money to various people. The man assured me that this was standard protocal, that if I sent the money to him he would transfer it to my mother 's bank. 

The first that I sent was {$2000.00} to the email XXXX The second that I sent was {$2000.00} to XXXX XXXX. 

The third that I sent was {$1000.00} to XXXX XXXX. 

I then received {$91.00} from someone named XXXX XXXX XXXX. 

Quickly after, I realized it was a scammer on the other end of the line ( or a chime emplyoee who is a scammer ). 

{$5000.00} of my money is now gone due to scammers answering Chimes customer service phone number. How can I call the customer service number and have scammers on the other end? Chime has already rejected my claim and refuses to give my money back despite the fact that their correct customer service phone number led me to a scammer. I have now researched this issue and discovered many other people have had the same exact scam happen to them while banking with chime. DO NOT CALL CHIME OR ANSWER THEIR CALLS.
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Online access changed in the last 6 months. My ID and password will not work. Requested via email to update both, however no email ever was sent. 

Went into the store to make payments. 

XX/XX/23 called the service number to get access for online, but they would not provide unless I give them a cell phone number. I provided a land line but this was not available since a text could not be sent. 

They confirmed who I am based on all pertinent data with date of birth, SS number, and account number. 

No online access was given and no statement or notification has been sent. 

I would love to see how much income was generated from late charges from this company.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain about the reasons for late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Dear CFPB, Best Buy is adhering to the protection order for credit reporting under the statute below, SEC, XXXX Credit Protection During Covid-19. On a recorded line, I contacted the Best Buy customer service team, and they stated my account was moved to collections. No delinquency can be reported to the following credit agencies until after my budget 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX innovis.com SEC, XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (MD)

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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.

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 2023-10-30
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX 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 2023-12-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TX)

I have a XXXX XXXX Credit Card account thru TD Bank Account for buying products from XXXX. This year I bought new phone and exchanged by old phone and agreed for the interest free instalmemt payment. 

However, in XXXX  when I purchased new phone replacing the old phone, XXXXTD Bank opened another Credit Card account in my name with same social security number and same credit limit without my knowledge and concent. When I wanted to make the payment, I found my account ( original ), it was showing XXXX balance. Then I called XXXX and TD bank and after several attempts I am told that there new account opened and the balance is shown there. So I questioned them why did open another account in my name : the answer is " Apologies ''. 

In the mean time, the payment was late for a day and TD Bank reported this to the credit bureau and I lost XXXX points which affected my credit standing. 

I called XXXX and TD bank several times to fix this error and they were going back and forth and finally I threatened them that I will complain with CFPB and immediately TD bank reversed the charge. 

Now I have to deal with all credit bureaus to fix this issue. 

Questions should be asked to TD Bank : 1. How did bank open new credit card account where consumer has already got credit card with same credit limit and same SSN? 
2. There is no communication with credit card holder there new account opened? 
3. What internal control bank has to monitor opening credit cards? 

Addresses and telephone numbers : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )
Consumer complaint received 2023-12-29
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. (NJ)

The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed immediately.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

I have a Lowes charge card. The credit is provided by Synchrony. I was notified by email today that they will start charging customers {$1.00} to receive a paper copy of their monthly bill. This seems ridicules. We are going to be charged an additional fee to see what we owe. 

there are lots of people who prefer to receive a paper bill or don't trust/use online access. what if our emails are hacked or our email providers incorrectly block the email. we could inadvertently miss a payment. 

This new fee is wrong!
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

For the last XXXX months, since XX/XX/2023, BEFORE my due date to make my first payment on my student loan, I have submitted ( 3 times now, once in XXXX, once in XXXX and another time in XXXX ) for a Deferment request as I attended part time ( XXXX credit hours ) school for the semester of Fall 2023. I have submitted official documentation from my school as proof of my enrollment as well. Not only do I not receieve confirmations, I only see a " we are processing your request '' banner when I check the progress of my request a week or XXXX after I submit. Then, that notice disappears, with NO track or record of my request in my Nelnet account either. Like I never requested anything. Then a few weeks later, I get a notice about my payments being late. I have tried calling numerous times, to be on hold for a long time ( XXXX minutes ) then the call dropping/ hanging up once it is my turn. I have tried to email them, as I realized last month this is affecting my credit score and continues to do so ( the last time I requested it was XXXX, this time I took screenshots and saved everything ). I just attempted to call them again as this is the third time my requests not only disappear, but doesnt go through. And again, affecting my credit score for the third month in a row.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went to make a deposit at a Bank of America ATM. The machine said it was having a problem reading it and asked me to enter the amount. I entered an amount and the ATM kept my cash deposit and gave a receipt that said We apologize for the inconvenience We are unable to process your request and can not return your items. 
I went into the bank and had two separate people say they could not do anything and call the number on the receipt. 
I have called and have been on hold and have received no help with the issue. I have been put on the call back list and have received no call back.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America sent me an alert to verify my mortgage payment in which they thought was fraudelent on XX/XX/XXXX & XX/XX/XXXX. They asked me to respond by XXXX. I verified the payment was valid by phone at XXXX on XX/XX/XXXX. Additionally, I also saw that sent me another text asking me to verify the payment by XXXX. I also verfied the payment with BOA by text before XXXX. BOA returned my mortgage check before XXXX on XX/XX/XXXX. I incurred lated fees - {$150.00} from XXXX and returned check fee {$30.00} in spite of BOA telling me on XX/XX/XXXX by phone that they would process the mortgage payment.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I hereby ask Experian to delete account conveyed to you by consumer reporting collection agency XXXX XXXX XXXX for me, with descriptive account since problems has extant within that information, the Agency failed to send the copy of contract with my signature and ID to validate debt within the last 30 days. 
Please remove this collection within one month due to inaccurate information. In addition, please declare that XXXX complied with every aspect of FCRA or other applicable laws. This request is for more than just a summary one-sheet Thanks sincerely for attending to the circumstances.