davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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. (GA)

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. After checking all three of my consumers reports with ( XXXX, Experian and XXXX ) I have no knowledge of the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

Previously asked for proof the debt was mine never received any information i requested such as but not limited to. A copy of the original contract signed with my handwritten signature. The last payment date, and the amount owed to the original creditor when the account was charged off as a bad debt. I believe LVNV is adding interest into the equation after the account was previously closed and its within my rights to request this information.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a identity theft affidavit to transunion. And they failed to remove accounts that are not mine and product of identity theft violating my rights under 15 U.S.C. 1681 ] and identity theft victim rights
Consumer complaint received 2024-03-14
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-10-23
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. (OH)

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Consumer complaint received 2023-10-23
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. (OH)

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (OR)

For many years I have had an automatic deduction set up for my mortgage ( account # XXXX ) from my checking account ( XXXX ) in the amount of {$1900.00}. On XX/XX/2023, Chase debited my checking account in the correct amount. On XX/XX/XXXX, I received a late notice on my mortgage statement indicating that payment had not been received, the amount due was double, plus an {$80.00} penalty. I immediately made a second mortgage payment, including the penalty, as I don't wish to jeopardize my farm. When I called chase checking, they could only look at the checking side of it and told me that the payment had not been returned so it must have been applied to my mortgage. When I called the mortgage department, they could only see the mortgage side of and said that it had to have been returned to my checking account. ( It hadn't ) They did give me a " temporary '' credit of {$1900.00} until I could " work it out '' with the mortgage department but I'm having no luck and can not afford to make double mortgage payments. Please help!!
Consumer complaint received 2024-03-13
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. (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (MI)

JPMCB CARD has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. JPMCB CARD has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America is charging fees on credit when I paid my bill before due date. I always pay my card monthly. I paid my bill every two weeks. Credit card due XX/XX/XXXX and I paid {$1000.00} XX/XX/XXXX or before toward my credits card before due date. However they still charge myself as a consumer fee {$45.00} stating I have to pay full amount of balance. I have paying my card on time and extra to minimize balance as soon as possible. I then looked over previous month bill on my credit card they charged XXXX direct deposit fee. I always do transfer online bank to bank from my Bank of America account. Never had a fee. This second fee of {$180.00}. I transferred credit cash from my credit card toward my Bank of America debit card through the app. Same bank. I also specifically ask Bank of America employee when I do the transfer through I can pay my card monthly he said then when spoke with agent yesterday she said I have to pay full amount which contradicts what I was informed about fees and charges. They basically tried to charge fee every month I guess. I was told I had a special promo if I brought money from credit card cash not interested rate and I pay like I normally do every month before due date. No fee. I called them today again and wait for over 20 minutes no response. No answer and on hold
Consumer complaint received 2023-10-23
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. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I have not yet contacted the company about this issue because a brief XXXX search shows that I am not alone. 

I have been logging into my Nelnet account on multiple devices and following a forced upgrade that depreciated their app, every time I log in, I get an error screen stating that payments can not be loaded. 

I am unable to complete the process of making any payments, including paying in full or partially. The entire screen showing my payment information seemingly does not react to any clicks or taps. I am perfectly happy to pay my bill ( I mean, not *happy* about it, but capable of doing so ) but I will not be happy if I end up past due because of their website not functioning for several days.
Consumer complaint received 2023-04-07
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

My laptop was hacked remotely. The hacksters found the routing numbers and account number to my personal bank account number and the same for my Coinbase account. I caught the transactions and my bank made me whole, but the money and crypto in my Coinbase account was depleted. Coinbase fraud department is difficult to reach or find a phone number. In the hold time and phone shuffle to get a live contact the hackers were able to make several transactions without my ability to block them or put a hold on my account. The first customer service agent I talked to said they would block it and save the money. It took me days and hours on the phone to find out that the account was in fact emptied and Coinbase locked me out and blocked my usage. They could not recover any crypto or find out where it went. They informed me I am no longer able to use their service. I feel as if I am being treated like the criminal and the hackers are being protected.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear CFPB, I am writing to make a complaint about several TransUnion violations. 

According to : 15 USC 6801 states ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

All that is listed below is in violation of the above code : 1 ) XXXX account is in violation because it was originally opened in 2003. This account was charged off and taken to court. It has surpassed the 7 year limitation of reporting. 

According to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

2 ) There is a name ( XXXX  ) associated with my credit profile that I have NEVER USED. There are discrepancies between my credit profile & my credit report. Please see attached docs. 

3 ) There is a discrepancy with XXXX  loan account for {$12000.00}. It is reporting open on my profile but not my report. Please see attached. 

4 ) I am requesting that ALL inquires be removed immediately. Most of those compaines I do not recongize and I suspect idenity theft and fraud. 

5 ) I am also requesting that the below accounts be removed : XXXXXXXX XXXX XXXXXXXX ALL 4 of the DPT EDXXXX accounts The items on my credit report is causing me significant harm. It is making it difficult for me to obtain a loan and is preventing me from purchasing my first home at a lower interest rate. I am also concerned that this is damaging my reputation. 

I am reserving my rights to privacy and I have never gave written consent for my info to report to Transunion ( FCRA 15 USC 1691 Section 604 ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Because of this, ALL of these items are in violation of 15 USC 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of... 

I am requesting that the CFPB investigate this matter and help me get these items removed from TransUnion immediately. I have attached supporting documentation. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I made a Wells Fargo mobile deposit of a check for {$2100.00} provided by someone claiming to be hiring from XXXX XXXX requesting that I print it, deposit it, and send {$2000.00} of it to a supplier so I could prove myself to be trustworthy enough to become a remote employee. They said I could keep the remaining {$180.00} for my time. The bank deposited {$400.00} to my checking on XX/XX/XXXX and the remaining {$1700.00} on XX/XX/XXXX. On XX/XX/XXXX I tried to send the {$2000.00} to the supplier ( a XXXX XXXX ) via XXXX. The bank denied the request because of suspicious activity so I chose to send two payments of {$1000.00} instead. I really needed the job and they were promising me $ XXXX. The representative was annoyed and asked me to use XXXX to send the rest. But I did end up sending the remaining {$1000.00} through XXXX. I reported the two XXXX transactions on XX/XX/XXXX immediately after the HR representative stopped replying to my messages on XXXXXXXX XXXX. I also reported the bad check via phone. The bad check was noted and the bank did not penalize me after consideration. However, I was still out of the {$2000.00} of my own money I used to send via XXXX to this supplier. I spoke to three online bankers and two managers and they said there was nothing they could do to get my money back because I authorized the XXXX transactions. In the meantime I received multiple instances of mail correspondence from Wells Fargo on XX/XX/XXXX and XXXX regarding my claims. The last call I had with a manager ended poorly because he said the other partys bank was not responding to Wells Fargos attempts to contact them and that it wasnt ethical for him to give me their contact information, and ironically told me I was on my own. This is unacceptable and I need my {$2000.00} back. Wells Fargo is complicit in the fraud as far as Im concerned and for them to prey on a customer who is in between jobs and searching for employment is despicable and immoral. Please help me.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OneMain Finance Corporation (CA)

I was approved for an auto loan on XX/XX/2023 by one main financial ... .during the closing part of the application the representative ( XXXX XXXX ) was rude on the phone accusing me of not following instructions... I was so frustrated that the dealership workers had to talk to her over the phone ... .we closed the deal... on Friday XX/XX/2023 I get an email saying that the loan was denied ... XXXXon Monday XX/XX/XXXX I called the number that was listed on the email and spoked to a gentleman from one main financial collection and explained why I was calling ( I was calling about the denial letter ) he said to ignore the letter ... ..I have spend all weekend XXXX  reviews about one main financial and I read up on alot of complaints and warnings from other consumers who dealt with the same thing I did... I am afraid that if I ignore this denial letter, it may haunt me in the future. The gentleman on the phone even asked if I talked to a lawyer and I told him not yet ... I'm worried about my financial future after dealing with poor customer service.