davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The balances on 6 open accounts are inaccurate. I have filed multiple disputes but the information still is being reported inaccurately. Both XXXX XXXX account balances are incorrect as they both have a {$0.00} : balance and have had the balance for 3 months now. Also both XXXX XXXX accounts have a {$0.00} : balance as well. XXXX has a balance of {$110.00} and XXXX have also been paid off and have a {$0.00} : I reported these inaccuracies to XXXX on XX/XX/XXXX and they have not responded. 
In accordance with the Fair Credit Reporting act the list of accounts mentioned have violated my federally protected consumer rights by reporting inaccurate information.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

Eight fraudulent charges were made using my account information on XXXX and XX/XX/XXXX and a few others were attempted. Post dates and amounts : XX/XX/XXXX : {$93.00}, XX/XX/XXXX : {$64.00}, XX/XX/XXXX : {$64.00}, XX/XX/XXXX : {$2.00}, XX/XX/XXXX : {$48.00}, XX/XX/XXXX : XXXX, XX/XX/XXXX : {$24.00}, XX/XX/XXXX : {$29.00}. Two attempted charges at XXXX XXXX in XXXX, MD were for {$250.00} and {$300.00}. There were others, but Wells Fargo claims they no longer have a record of those attempts and they could not provide me with any details. The bank contacted ME when the XXXX XXXX purchases were attempted, and I talked to Wells on the phone and identified all the fraudulent charges I did not make. On XX/XX/XXXX I received a letter from Wells stating my disputes were all denied solely because I had my card in my possession when the charges were made, further citing there is " no known technology '' that would make spoofing a physical card with my data on it possible. This I find incredibly convenient, as " shimming '' card data is a known scam, as documented on XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX ). Yes, my card has been in my and only my possession for years. The only time the data could have been shimmed was from three ATMs ( XXXX MD, XXXX NM, and XXXX WA ) or at a card reader at my dentist 's office in XXXX XXXX. 

As Wells Fargo was not going to credit back the money I've lost to this scam, I attempted to get further details about the transactions so that I could reach out to the companies where these purchases were made, and in every case, Wells Fargo was unable to provide me with details ( no timestamps are recorded for the credit card that was tapped, and therefore no security footage can be reviewed to see who swiped a fake card with my data on it ).
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the Fair Credit Reporting Act this creditors ( XXXX ) Account number XXXX, ( XXXX ) acc ending XXXX, ( capital one auto ) XXXX ending XXXX has violated my Rights. Under Act 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666 B. '' A creditor may not treat a payment on a credit card account an under an open and consumer credit plan as late for any purpose ''. Thus shall be updated immediately according to ordinance stated above, Thank You
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (LA)

I had lost access to my account, I had the same email for years and it never changed so I didnt get any letters from them in a while. Back in XXXX they starting saying they couldnt send me any emails even though the email they had on file was still active. I had overdraft fees and other fees due to bills being resent to be paid even tho the funds wasnt in there so XXXX had fees piling up and no way to get it resolved it due to Wells Fargo not having a branch in my state. I now see that they have a settlement that I may be eligible for but they still havent sent any letters to my address or email stating my account status as of now
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NV)

THIS COMPANY AS WELL AS THE XXXX XXXX XXXX XXXX HAS VIOLATED THE FAMILY & EDUCATIONAL AND PRIVACY ACT OF 1974 AND ALSO WHEN I SIGNED UP FOR STUDENT LOANS I SIGNED A PRIVACY ACT FORM THAT SAYS THE SCHOOL WILL NOT PROVIDE MY STUDENT LOAN TRANSACTION HISTORY TO ANY THIRD PARTY COMPANIES.
Consumer complaint received 2023-09-21
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-10
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. (MO)

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.

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 2023-02-16
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. (WA)

Minnesota XXXX XXXX child support has an account that i cant access, became secondary and ive been making payments on my child support but its not reporting it correctly. ive been paying child support thru the XXXX child support log in account. ive tried calling and nobody has an answer on how i can pay for both child support cases thats under XXXX XXXX im paying the stepfather and mother but only the mothers dont get reported .... its hurting my credit score i had 100 % not long ago. now because of the wrongfull reporting i look really bad. i really have been paying my child support you can look it up. child support is not reporting correctly and they told me that they cant do nothing about. im paying my child support and the system says no data or ive missed XXXX payments? im trying to understand why? this is my first time ever complaining and im XXXX old please anybody
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC (FL)

This dispute is about an account opened on XX/XX/year> by Oliphant USA LLC. with balance amount of {$9000.00}. I reported it to the credit agencies as identity theft. Unfortunately, I have not contact with the original creator or this collection agency. They have been reporting this to the credit agencies and that action has affected my credit profile. They need to show real evidence about this debt or remove the collection report ASAP.
Consumer complaint received 2024-05-20
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: Resurgent Capital Services L.P. (TX)

To Whom It May Concern, [ Account Number : XXXX ] I am writing to formally request the deletion of the above-referenced collection account with LVNV Funding LLC from my credit report. It has come to my attention that LVNV Funding LLC has obtained and furnished my consumer report without my explicit authorization, thereby violating several provisions of the Fair Credit Reporting Act ( FCRA ).

The specific violations are as follows : Violation of Permissible Purpose ( Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ) ) : LVNV Funding LLC has failed to obtain my explicit authorization to access or furnish my consumer report for any permissible purpose as defined within Section 604 ( a ). This section outlines the specific circumstances under which a consumer report may be obtained, none of which apply to the actions of LVNV Funding LLC in this instance. 

Certification of Permissible Purpose ( Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) ) : Pursuant to Section 604 ( f ), LVNV Funding LLC is explicitly prohibited from obtaining consumer reports for purposes other than those explicitly authorized in Section 604 ( a ). Furthermore, LVNV Funding LLC has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( b ).

Misuse of Consumer Report ( Section 604 ( a ) ( 3 ) of the FCRA, 15 U.S.C. 1681b ( a ) ( 3 ) ) : LVNV Funding LLC has utilized my consumer report for purposes not permitted under the FCRA. The only permissible purposes outlined in this section include instances such as the evaluation of credit applications, account review, and similar lawful purposes which were not applicable in this case. 

Given these clear violations of the FCRA, I demand that LVNV Funding LLC promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. Furthermore, I require that you provide me with any and all documentation that proves the existence of a contract between myself and LVNV Funding LLC that would justify the permissible purpose for obtaining my consumer report. In the absence of such documentation, the collection account must be removed immediately. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified of the deletion. 

Failure to comply with this request will leave me with no choice but to pursue further legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

Upon discovery I noticed that LVNV FUNDING LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that LVNV FUNDING LLC along with other company collecting on there behalf such as RESURGENT CAPITAL SERVICE collecting without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.
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. (MO)

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 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Im filing a complaint regarding ongoing issues with Shellpoint Mortgage Servicing related to the recast of my mortgage account managed by their service. Despite numerous communications and explicit assurances from various representatives of Shellpoint Mortgage, the lack of definitive action and clear communication from their end is unacceptable. 

On XX/XX/2024, at approximately XXXX XXXX, I was promised a recast information packet via mail after contacting their direct message department and speaking to a customer service representative. This packet never arrived. Subsequent communications on XX/XX/XXXX and XXXX XXXX, XXXX, reassured me of the mail-out of necessary information, which I also never received. Despite these setbacks, I proceeded with the instructions given over a phone call on XX/XX/2024, to wire an amount exceeding 5 % of my mortgage balance to initiate the recast. 

Following the confirmation of receipt of the wired funds of {$830000.00} on XX/XX/2024, and XX/XX/2024 by calling customer service I was once again promised a form by mail to finalize the recast process within 7 days. This promise, like the others, was unmet. On XX/XX/2024, I was informed by calling customer service to pay a {$250.00} recast fee, which I paid over the phone and was told would be resolved in 24 hours and that my complaint was escalated. 

The most troubling communication occurred on XX/XX/2024, when contradictory information was provided by their staff, I was told I would receive an email within and hour and that my recast would be posted in four days. I never received and called back a few hours later and was told that was impossible and that my recast request had not been processed due to an investor approval requirementa detail that was never mentioned in our previous interactions. Furthermore, I called back on XX/XX/XXXX and it was revealed that the {$250.00} fee had mistakenly been applied to my mortgage principal instead of the recast fee. I was then informed that my recast can not be under review until I sign necessary paperwork that they are still withholding and that approval can take more than 60 days. 

The continual misinformation, misallocation of funds, and Shellpoints inability to provide consistent and accurate updates have not only caused significant inconvenience but also financial disadvantage, as I am currently incurring high interest costs unnecessarily. As of today, I have invested {>= $1,000,000} in payments without seeing any progress or proper management of my recast request.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (OH)

On XX/XX/XXXX I started receiving emails ( attached ) about a new Chime account. I did not open this account. I called the Chime phone number XXXX to report the fraud and close the account. They refused to close the account until I verified my private identifiable information. Even though this account was opened fraudulently without my authorizations, they refused to freeze the account, explain who and how it was opened, and refused to close the account. This is Chime supporting fraudulent banking activity.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Corporation (WI)

I put my XXXX down and paid the company and then they sent me to collections. I have no idea why I would owe more money as I never received XXXX  or any goods from them. I would like this off my credit
Consumer complaint received 2015-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rubin & Debski, P.A. (FL)

I received a " Continuing Writ of Garnishment Against Salary or Wages after Judgment '' on XXXX/XXXX/15 from XXXX XXXX XXXX, XXXX. On XXXX/XXXX/15 I received notice from my employer that my wages would be garnished starting XXXX/XXXX/15!!!!!!!!!!!!!!!!!!!!!!!! Per the notice, I had 20 days to dispute this action ; it was 3 days!!!!!. I had no chance to dispute this before my money is being take from my paycheck. This attorney 's office has NOT provided any documentation proving that I owe XXXX XXXX or that I owe the amount mentioned. This garnishment is causing further financial hardship because I am now unable to pay my rent, electric, water or put gas in my car!!!! I can not afford to hire an attorney to file bankruptcy or fight this harassment. Do I need to quit my job to stop them from stealing my hard earned money. How is this legal or fair?
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX AUTO FINANCE account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Urgent Request for Reinstatement of Funds. 

I am writing to formally express my serious concerns and profound disappointment regarding the recent handling of fraudulent transactions on my Wells Fargo checking account. 

I promptly reported to Wells Fargo that XXXX unauthorized transactions totaling {$2100.00} had been made from my account. During my initial call, I was assured by your representative that the matter would be resolved, and provisional credits were temporarily applied to my account. However, contrary to these assurances, on XX/XX/XXXX, Wells Fargo reversed these provisional credits, driving my account into a negative balance and significantly impacting my financial stability. My phone and wallet were stolen from me, and as a result, unauthorized transactions were made, stealing funds from my account. 

To substantiate my claim, I submitted a police report detailing the fraud. Despite this, the provisional credits were still revoked, resulting in extreme financial distress as I face pressing bills and essential expenses. 

Moreover, I am deeply troubled by false accusations made in your written communication, claiming that Wells Fargo attempted to contact me and that I failed to respond. This is unequivocally incorrect. I am adamant that no such attempts were made, and it is unjust to base such a critical decision on inaccuracies. 

Given the tangible evidence I have provided and the distress caused by this situation, I urge Wells Fargo to reconsider its stance and restore the disputed amount of {$2100.00} to my account. Swift resolution of this issue is not only a matter of financial necessity but also one of ethical responsibility.

I trust that Wells Fargo will act promptly and justly in this matter, upholding the commitment to customer protection and trust. I look forward to a timely and favorable resolution. 


I will be uploading all supporting documents to prove my claim against the fraudulent transactions on my Wells Fargo account. This will be accessible for everyone to review and to ensure transparency and verification of my case. 


Only after filing my first complaint with the CFPB did someone from Wells Fargo attempt to contact me about my case on XX/XX/XXXX. However, they are now unresponsive and not answering my follow-up communications. I have left XXXX voice mails and called numerous times i have also attached that in my documents
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

This is the 2nd time this credit card company was " reviewing my account '' then demanded me to make a big payment or lose my credit line. 

The biggest issue isn't them, its universal default. As we know I had a 30 day late at the beginning of this month. I have made an appeal to the credit bureaus since I was in and out the hospital from end of XXXX to end of XXXX battling XXXX. 

This company was paid a minimum of {$500.00} with many times giving {$1000.00} per month and my minimum payment was {$250.00} I believe. 

They received an alert about what happened with XXXX then all of a sudden is giving me 4 days to come up with {$1700.00} or they will downgrade my credit limit or worse which will affect all the other credit cards I have. 

This is outrageous that I can have a card, never been late on it since XXXX  then now because of the only late I have ever had in 10 years, they want to hurt my business by giving me 4 days to come up with over {$1700.00}, then don't tell me the reason why, or allow me the chance to appeal. I believe that is very unfair