davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXXXXXX XXXX  on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXXXXXX XXXX  may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXX XXXX to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, XXXX
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Compliant filed against : Nationstar Mortgage LLC  XXXX  address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  TX  XXXX  I 'm a debt holder of mortgage with  Nationstar. Nationstar changed my address of correspondence without consent, mailed notices to wrong a ddress & irrevocably added forced escrow onto the property for the life of the loan without consent in  XXXX    XXXX  .     Upon bringing this up to customer service on more than  XXXX  instances over last 3 months,   Nationstar fail to follow-thru despite repeated calls/requests. I 've sent all proof and related items as requested but there has not been a follow-up from Nationstar.
Financial loss : Nationstar forcefully e  scrowed my mortgage which triggered me to buy an expensive insurance. This has caused grave financial hardship to me, not to mention hours of time away from work in dealing with customer service on the phone.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Unable to add authorized user. Added an authorized user and accidentally mispelled the last name. So I went ahead and removed them, to add them with the correct spelling. Capital one is refusing to let me add them. They say once somehow has been removed, they can not be re-added. This seems like a completely arbitrary and illegal rule that no other bank that I've ever encountered in the United States has. Second of all, I am not re-adding the same person technically as the last names are clearly different.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (LA)

I have a CITI Double Cash Card. On XX/XX/2020, when checking my account online, I was shocked to find my Cash Rewards in excess of {$1400.00} was now {$1.00}. I later find out that they were converted to what CITI calls Thank You points and then were redeemed. The conversion to Thank You points and the redemptions were both without my or my wifes authorization as neither of us even knew what Thank You points were. No one else is authorized to use the card. I reported the incident to CITI on XX/XX/2020 and the representative told me they would have to investigate the incident and that it would take 7 to 10 days. This was the second time this has happened and the first time after many phone calls, CITI converted the rewards back to cash. I received a letter from CITI on XX/XX/2020, dated XX/XX/2020 stating that they can not convert the Thank You points back to cash. I called CITI that same day and spoke to several representatives, including supervisors, and they all told me there was nothing they could do. Thats when I decided to file a complaint with CFPB. After this is resolved, one way or another, I will be closing my account at CITI,
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2019-02-26
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. (GA)

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX
Consumer complaint received 2020-12-21
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. (FL)

After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.
Consumer complaint received 2024-03-19
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-03-16
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. I sent letters on XX/XX/23 and XX/XX/23 certified mail and the inaccurate information is still on my consumer file/credit report and nothing was done.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2018-09-13
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: EQUIFAX, INC. (TX)

MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO EQUIFAX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

Equifax has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into Equifax and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with Equifax, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that Equifax was asking me when I was accessing my report did not apply to me at all. Although Equifax still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by Equifax itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

Equifax needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I bank with USAA Federal Savings. I have checking, savings, home, auto, Medicare supplemental insurance, all my banking needs. I have been with them for over ten years. Over the course of the ten years their customer service has completely evaporated as they transitioned to an online bank. 

On XX/XX/2023 I reported fraudulent transactions on my XXXX XXXX Credit Card. Its my card and my wife and son have copies as authorized users. The fraudulent transactions were only on my copy of the card. I went on The USAA App reported the fraudulent transactions and they canceled my card and said they would XXXX  a new card ASAP. Since its is now XX/XX/2023 and there is no resolution to my account problem, let me make a long story short. USAA froze all three copies of The Platinum Credit card, I can not get money from it on the app, I can not pay the monthly bills and to this date I dont have any replacement cards. I call almost everyday and get multiple stories, unfulfilled empty promises, zero empathy, less than zero customer service including from supposedly senior banking officials and often time rude behavior. Mu average time on a call to their customer service center is 2 plus hours and NO, ABSOLUTELY NO RESULTS. The worst part is they wont say why or how this happened. They stonewall, lie, obfuscate and generally try to wear you down. I cant tell you how many times Ive been guaranteed my cards would be in my hands in days. Just so you know I filed a complaint to The FDIC and they forwarded it to you saying USAA fell under your jurisdiction. Please help me resolve the rude, inconsiderate and incompetent problem. Thank you for your time and consideration.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a phone call yesterday ( XX/XX/2024 ) from the Chase XXXX office, XXXX XXXX XXXX, informing me that my Chase relationship, including personal and business relationships, has ended due to what he called potential excessive and illicit transactions. 

XXXX XXXX said the decision was final, no explanation was necessary, and there was no means of appealing. XXXX XXXX mentioned that the bank could do this because I signed a clause in the legal agreement upon opening my account with Chase. 

I then called my Chase Bank branch. I have multiple accounts there and know the staff there by first name. They called XXXX XXXX and confirmed that the action was legitimate. 

The bank then informed me that there was nothing I could do, and they suggested that I go to a competitor bank and set up an account. 

I find this excessive, unreasonable, and a complete disruption of my life. My financial life is so wrapped up in your bank that it will take me days to find suitable alternatives. 

I have not engaged in any illicit activities. However, my wife accidentally sent {$10.00} to the wrong phone number via XXXX. Could this be the reason? 

I also dont know what permanent damage this will cause to my financial reputation in the future. XXXX XXXX also didnt mention how my credit cards are managed. My wife and I have five different Chase credit cards, all managed through our checking accounts.
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

I`m trying to keep up with my payments on this auto loan that should never have been given to me as I work as a XXXX XXXX XXXX. We do not make much money. I just made a payment to Well Fargo Auto, and they put another late fee on the account on XX/XX/2023. I spoke to one gentleman at Wells Fargo Auto and told him that I'm having a hard time keeping up with payments but would make a payment Today, XX/XX/2023. 

The payments are due each month I believe on the XXXX of each month. Wells Fargo Auto is ripping me off with late fees. This has got to stop but I just spoke to another representative at Wells Fargpo Auto, and she told me that the late fees would keep going onto my loan. I also suffer from XXXX, and this is adding a huge amount of stress on me. I'm attaching the payment I just made along with the newest late fee they decided to put on.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Opened a new business checking silver account to attain a {$500.00} bonus by depositing {$5000.00} in 30 days and keeping it for 60 days. 

I linked my XXXX XXXX XXXX  using my U.S. bank app and on XX/XX/23 I initiated a {$2500.00} transfer and a second transfer the following day XX/XX/23 of {$2.00} for a total of {$5000.00}. 

The funds were posted on XXXX on XX/XX/23. I could no longer access my U.S. BANK account as of XX/XX/23 because they revoked access to my account and would not tell my why, and still do not tell me why. One thing Im told is that my XXXX triggered e fraud and my account was limited. 

My money of {$5000.00} is missing and still hasnt been refunded and US BANK is saying they never received it nor did it ever complete but I have email stating the opposite and the money is gone from my XXXX account All the Bank managers and representatives at US bank have been lying and deceiving. 

I just want my money back!! Its been over 10 business days