davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (NJ)

I am both annoyed and frustrated that I have to come back to the CFPB AGAIN to file a formal complaint against Experian for their failure to comply with my request to opt out of sharing account information, as per my rights under 15 U.S.C. 6802 of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2024, I submitted a request to Experian to cease sharing specific account information, attaching my driver 's license as requested for verification purposes. However, despite providing all necessary documentation, Experian has ignored my request, claiming an inability to verify my identity. 

The account details I requested to opt out of sharing are as follows : Account Name : XXXX Account Number : XXXX I have attached a copy of my driver 's license, which should serve as sufficient proof of my identity. Despite this, Experian has unreasonably delayed processing my request, which constitutes a violation of the FCRA. As a consumer, I have the right to control the sharing of my personal information, and Experian 's failure to honor my request undermines this fundamental right. 

This unreasonable delay in processing my opt-out request not only violates my rights under the FCRA but also exposes me to potential privacy risks associated with the unauthorized sharing of my account information. I expect Experian to promptly comply with my request and cease sharing the specified account information with any affiliates or third parties for marketing purposes. 

Furthermore if Experian ignores my request AGAIN I will not hesitate to file a lawsuit against them for their willful noncompliance and hold them accountable.
Consumer complaint received 2023-04-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and Transunion removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I paid my XXXX XXXX XXXX ( XXXX ) bill on their website, I inadvertently used my closed Wells Fargo Checking Account. I contacted Wells Fargo on XX/XX/XXXX at XXXX XXXX  ( PST ) and spoke to customer service, I think his name has XXXX. I told him what I did, the amount, the date, payer, verified the old account number and he put me on hold came back after speaking to his supervisor not to worry about it, when the check came in it would cross over to my new checking account and get paid. I asked again and he said do not worry about it, it will be alright. It will be paid. Now with this information from Wells Fargo I though I was covered, I do not need to submit a corrected payment the XXXX, Wells Fargo has it covered. NOT SO. I received a letter from XXXX dated XX/XX/XXXX stating my check was returned by the bank and a {$7.00} returned check fee has been charged to my account. I had to pay {$150.00} to avoid going to collection. I now have a check restriction on my account for the next six months. I called Wells Fargo when I received the letter on XX/XX/XXXX and a case was opened with Case Management. Case Management told me that they would listen to the conversation on XX/XX/XXXX. I called Case Management back on XX/XX/XXXX spoke with XXXX XXXX who told me they would give me the {$7.00} back and that is it, this does not cover the additional charge XXXX is going to charge me for paying my bill late. I'm waiting for my next bill. She refused to let me speak to her boss XXXX XXXX and refused to give me the directors name. We went around and around about a letter, and in my situation they do not have a form letter available, I told her then they need to write up a letter for my situation. She kept referring back that I wanted Wells Fargo to take the blame for the entire issue and I told her no, I know I made the initial error, but I called Wells Fargo and was told that Wells Fargo would take care of paying the check. I relied on what Wells Fargo told me. Then she hung up on me.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (GA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

On XX/XX/2023, I received a notification from XXXX that a collections account has been reported. When I looked into it, it said that it was for XXXX. I never received any communication from this collection company and they never attempted to verify the debt whatsoever. In addition, I do not owe XXXX. I don't have a relationship with XXXX. This is absolutely ridiculous.
Consumer complaint received 2024-04-01
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX || Date of inquiry:XXXX XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2022
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Kiva Microfunds (MA)

I filed a complaint with the Massachusetts Attorney General 's Office and they referred me to you. 

I received 4 gift cards for {$25.00} each for Kiva - XXXX : XXXX They did not work when codes are entered on their website. When I notified Kiva, they keep telling me to do the same thing I have been doing, but they still don't work. After a while, they just stop responding to my emails. I've tried them several times but they just ignore emails. 

They refuse to honor the cards or replace them.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (LA)

Hello, I had been approved for a loan modification trial plan with PHH in XX/XX/XXXX. However, I am an older woman and not at all tech savvy and was also undergoing XXXX XXXX XXXX at this same time. I did not realize I was approved, as I got very confused with all the paperwork I had to keep submitting and receiving from PHH. 

As you can understand, there is a lot of correspondence received from PHH during this process. A ton of mail gets sent to me and it is very indeed confusing to navigate, especially under XXXX XXXX XXXX XXXX XXXX  Apparently, I missed the letter informing me that I was approved for my trial plan and thusly, I missed out on the offer. 

PHH is now trying to sell my home in a few days time ( XX/XX/XXXX ), when I was approved only months ago. I spoke to a HUD counselor was I made aware of this approval only recently as I was again, very confused with all the paperworks. I am simply asking PHH to please not sell my home and please do whatever is necessary to try to reinstate the trial plan that I missed due to my inability to understand the paperwork and how to accept the trial payment plan. 

Please see my situation and help me. I would have made the trial payments had I known that I was approved. Please help me save my beloved home!
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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
Consumer complaint received 2015-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My home was virtually stolen from me even though I settled twice for the full amount with the court using a lawful financial settlement. The pretender lender has been trying to get me to contract with their frivolous attempts. Nationstar Mortgage. There is a suit pending which will need to be transferred to the XXXX Court house but waiting for money to come in.
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synter Resource Group, LLC. (WA)

We were reached out to by XXXX via mail indicating we had an amount due for XXXX XXXX solutions charges. I was suspicious at first of that communication since we had received a similar request from XXXX via phone and when that was looked into, it was flagged as a fraudulent request. 

I called XXXX and was able to straighten out what the charge was for and settled that payment with them. We paid {$190.00} to XXXX and received confirmation of payment A little while later, maybe a week or so, we received a phone call from Synter Resource Group. It was a recorded message indicating that we owed {$190.00} for XXXX. I reached out via email to let them know that we had paid it already. Confirmation of payment was requested and the receipt from XXXX was sent as that confirmation. 

Then, about a week later again, we received a letter in the mail requesting, again, the {$190.00}. 

Looking into Synter Resource Group, it seems as though we are not the only folks who have had interactions with them that have been flagged as suspicious if not fraudulent.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (OH)

I wasnt sure which option to choose when putting this complaint together. 

I have a moneylion account that is paid off and the membership is canceled. When I try to use the account deletion option on the app it doesnt work. 

When I contacted customer service they said they cant delete my account only deactivate it. I want it gone. 

I was this account deleted and closed. I also want them to remove my linked banking information. And I want no further charges to be placed by moneylion since I have paid in full.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-04-26
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. (LA)

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 an account without my written instructions.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact XXXX and Equifax to get this response numerous times and no one wanted to assist XXXX they are unable to get me an online account to dispute the inaccuracies Equifax will not proplerly complete an investigation I have asked for my original written consent to obtain my credit report
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

my name, billing address, phone number, email, my debit card information were used without my permission. Spred out over two transactions with a company that sell sports tickets online. Merchant web site : XXXX. fraud transacton : XXXX ). XXXX XX/XX/2023 XXXX {$1500.00}. XXXX ) XXXX XX/XX/2023 XXXX {$2300.00}. I did learn from XXXX supervisor that the IP address used during purchase was down in XXXX texas, not local to my home, I am in XXXX XXXX Texas. // I had discovered the two fraud charges and called my bank to start dispute process. // the merchant denied my claims that these two charges were fraudulent // my banker requested of me that i file a police report and forward back to them for review, banker reviewed police report said without satisfactory sufficent documentation they will not process a chargeback to merchant. // here is my issue, i don't have documentation that they want, I am the victim.
Consumer complaint received 2023-04-26
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. (TX)

Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX  Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX 202
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. 

You have XXXX calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX erroneous write off claim, but not all, Experian and XXXX. Recently Experian completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.
Consumer complaint received 2020-07-31
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (SC)

My account was either hacked or someone stole my debit card info. I had money save in my account that I was barely touching because I was getting me a house. I left my card at XXXX is the only thing I could think of to how my card could fraudulent charges. But looking in my account the fraudulent charges goes back as far as XXXX where someone kept trying to take XXXX dollars out my account. I had my debit card in possession while these charges was being charged to my account. I NEVER TOLD THEM MY CARD WAS STOLEN. I told them it was misplace. I ended up locking my card because I couldnt find it then end up finding it. They try to say someone was using the pin to make purchases and purchases was made on apple pay which o never saved that card to my XXXX XXXX. I asked to close the account entirely and open a new one. I was denied the option and they said it was just the debit card. They opened my claims and a couple days later closed my claim and added the purchases back to account. My account is still getting charged from food lion, a store I dont go to! Someone tried to open a chase credit card in my name where I had to lock my credit. Its also showing my account is sharing access with lenders. I havent applied for any loans due to me trying to buy a house. I will sue them if this issue isnt resolved. Im out of almost XXXX dollars. It shows atm withdrawals and everything. I just want this rectified so I can close the account. None of this started happening until I started banking with chase! I have proof of them sharing my information!
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.