davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting unauthorized and even duplicates of unauthorized hard Inquiries to my report this is a violation of my consumer rights. This is also a violation of fcra requirements of a Consumer reporting agencies. This is harming my creditworthiness and a breach of my information rights. This is fraud and identity theft I demand Transunion delete all unauthorized and duplicate inquiries on my report to restore my name, image and. Creditworthiness.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX XXXX  a scammer made an UNAUTHORIZED withdrawal of {$2500.00} from my checking account after accessing my information without my consent. Today, I got a message from the company claiming the purchase was authorized. THE PURCHASE WAS NOT AUTHORIZED. Their representative XXXX failed to explain anything. This is unprofessional and unacceptable.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

I opened a new credit card processing account with Chase payment services on Account details are as follows : XXXX # : XXXX / XXXX # : XXXX I was processed a {$1000.00} bonus after completing {$2000.00} in payments. 

I completed the payments and have not received the bonus. 

I now request the {$1000.00} bonus plus {$250.00} for my time and stress. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I purchased a XXXX  Vanilla gift card on XX/XX/XXXX in XXXX, Tx. The value of the gift card was {$100.00}. I gave it to a friend who lives in XXXX, Texas as a XXXX present. She tried to use it today, XX/XX/XXXX, for the first time. She removed it from its packaging today. The gift card was rejected because it has a XXXX balance. XXXX 's website showed a {$100.00} charge was made on XX/XX/XXXX in California at a XXXX. Neither I nor my friend are responsible for that charge.
Consumer complaint received 2024-01-31
Product: Credit 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: DISCOVER BANK (MA)

Please file this new information with a previously filed ongoing complaint. I have received a new email from the merchant in which he describes in greater specificity what he requires in order to be satisfied. The merchants email reads : XXXX, I have again attached all the paperwork related to this claim. It clearly shows the money was removed XX/XX/XXXX. This was done three days after you and I had concluded our talks. As of today, that money was never put back. The bank can show, say anything they like but until that money is returned to me this matter remains open. When your bank shows you, they returned {$630.00} to me any time after XX/XX/XXXX then I will be satisfied. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC (FL)

On XX/XX/2024 I called to make my payment. The following week on XX/XX/XXXX I called back to ask why the payment has not been taken out of my account. I was informed that the previous representative put my payment in as a savings account. I informed the representative that I indicated checking account and that this is an issue because the account numbers are the same. I called again on XX/XX/XXXX to verify that Village Capital had the correct account information and that they were taking the payment from my checking account not savings because the numbers are the same. I was informed that my payment was attempted out of my savings account again by my bank. I confirmed that the checking account number was correct. The following week I spoke to representatives on XX/XX/XXXX and XXXX. On XX/XX/XXXX they told me the payment is still being processed. I was informed on XX/XX/XXXX that the bank account information was not corrected until XX/XX/XXXX which resulted in my payment not being processed. It is now XX/XX/XXXX, the payment still has not been taken from my account. I called to speak to a supervisor on XX/XX/XXXX, the representative XXXX XXXX XXXX told me to wait on hold for 10 minutes for a supervisor. The representative came back on the line a few minutes later and told me that she needs to hang up and request a call back. Previously I had an issue and it took one week for a supervisor to call me back. I explained this to XXXX and she told me that there is nothing she can do. I have attempted 6 times to make my payment. Village capital charged me late fees and gave a negative statement on my credit report. This issue is the result of negligence from their representatives. It is their duty as a service provider to process my payment in a timely and efficient manner. This has caused me emotional stress because I am trying to make my payment on time with no issues.
Consumer complaint received 2024-01-31
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Syste {$780.00} asked for verification company never sent. 
XXXX XXXX XXXX {$1300.00} called company for verification never received. 
XXXX XXXX XXXX {$18000.00} called company for verification & sent mail no proof received XXXX XXXX XXXX for {$860.00} This company refuses send in proper verification unaware of account XXXX XXXX XXXX for {$2000.00} Account is still reporting false information XXXX XXXX  XXXX for {$1400.00} asked for verification company never sent. 
XXXX XXXX for $ XXXXcalled company for verification never received. 
XXXX  XXXX For {$490.00} called company for verification never received. 
XXXX XXXX XXXX  for {$1200.00} unable to present proof of debt seeking to have account removed.
Consumer complaint received 2024-01-31
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: Bread Financial Holdings, Inc. (CA)

do not know this account never opened up this account never signed any papers for this account and have no idea where this account came from except for the fact that my score keeps going down and I seen this on my account NOT MY ACCOUNT AT ALL!!! 

On XX/XX/29 I called and talk to XXXX from the bank and could not find my name at all and he even suggested to file a complaint because this is not my account never opened it don't know what it is and I would like to see my signature because I don't sign nothing I only have two bank accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX nothing else no debt like this. 
I am currently dealing with my XXXX XXXX credit card information being taken and charged a lot of stuff on my credit card that was not mine
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (TX)

I am writing to formally dispute certain items on my credit report maintained by your agency, as I have discovered inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation and prompt resolution of the following discrepancies : Inaccurate Reporting : Upon reviewing my credit report, I have identified several entries that contain inaccurate information. These inaccuracies undermine the integrity of my credit profile and adversely affect my financial standing. 

Failure to Provide Accurate Information : The reported information does not accurately reflect my credit history, and as a result, it misrepresents my creditworthiness to potential lenders and creditors. This constitutes a violation of my rights under the FCRA, which mandates the fair and accurate reporting of consumer credit information. 

Lack of Verification : It appears that proper verification procedures were not followed in reporting the information in question. The FCRA requires credit reporting agencies to ensure the accuracy of the data they collect and maintain. Failure to verify the accuracy of reported information is a violation of this requirement. 

I request that you conduct a comprehensive investigation into these discrepancies and take appropriate action to rectify them in accordance with the FCRA. Furthermore, I urge you to review your procedures for ensuring the accuracy of reported information to prevent similar errors in the future. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (CA)

I accessed the Innovis website to sign up for an account and credit report. I accurately completed the personal particulars form, verifying my identity. The website posted an error, stating that my phone number was not available to use for authentication. I tried the same method with the other two phone numbers associated with my credit reports and I received the same errors. I called Innovis to report the problem and I was that they can not help. They would not provide my credit report using a secure digital platform. The representatives offered to send a report via mail, which is not a secure method and which may lead to lost credit report and identity theft. A secure, digital platform needs to be offered to consumers, seeking the information held by all credit reporting agencies.
Consumer complaint received 2024-04-24
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (DE)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states 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. ( LVNV FUNDING LLC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( LVNV FUNDING LLC ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( LVNV FUNDING LLC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( LVNV FUNDING LLC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-24
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. (CA)

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late payments for the accounts that I have included screenshot inside the complaint on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, Please see the attached file.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MN)

I am exercising my right under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, to request that you exclude my information from any reports or disclosures provided by Early Warning Services.

Additionally, I would like to bring to your attention the fact that, to the best of my knowledge, there has been no formal written instruction from me, the consumer, authorizing the furnishing or sharing of my information with Early Warning Services. As such, I am concerned about the inclusion of my information in any reports or disclosures provided by Early Warning Services without explicit consent.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

On XX/XX/2024, I officially informed this agency via certified mail about my identity theft victimization. However, as of XX/XX/2024, the agency persists in reporting information stemming from this identity theft incident. According to Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are mandated to alert furnishers of information, including financial institutions, when information may be linked to identity theft and when an identity theft report has been filed. I provided them with FTC report numbers XXXX, along with the requested block. 

Upon receiving such notification, Section 623 ( a ) ( 6 ) requires furnishers to promptly block the reporting of any information identified by the consumer as stemming from identity theft, within four business days of receiving : Sufficient proof of the consumer 's identity ; A copy of an identity theft report ; Identification of the specific information by the consumer ; and A statement confirming that the information is unrelated to any transaction by the consumer.

I fulfilled all these requirements, and documentation supporting this will be included with this complaint. However, the agency has failed to comply with the FCRA 15 U.S. Code 1681c2, which mandates the timely blocking of reported information identified by the consumer as resulting from identity theft, within four business days of receipt by the agency. This failure constitutes a violation of the law, rendering the agency civilly liable for any actual damages incurred by me due to this willful noncompliance under 15 U.S. Code 1681n.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

About a week ago ( XXXX XXXX XXXX ), my phone number got hacked. My friend 's phone who had also gotten hacked and called my number ( I did not yet know at this time that his phone got hacked ) and immediately after I pick up, there is a silent call and after it hangs up my phone goes to SOS. I lost service thinking that I did not pay my phone bill, so I pay it and service still doesn't return. Turns out all of my accounts were hacked ; my email, my bank account, my XXXX account, my social medias, everything. On top of this, new accounts are made using my information on XXXX and XXXX, neither of which I had before linked to those emails and phone number. My bank account was drained entirely through these unauthorized transactions on XXXX and the hacker even tried to transfer more through XXXX on my XXXX account. After making many calls and checking XXXX login history, it is seen across my accounts that the account was accessed from another state using a different IP. They even link an unfamiliar XXXX XXXX to my XXXX and XXXXXXXX XXXX ( making it impossible to recover my XXXX XXXX ). Upon seeing all this, I opened a claim with my bank and they gave me a claim number. Several days pass and I return to the bank to receive status update on my claim. To my shock they don't even have my claim number and they couldn't even find my claim and say I will not receive any of the money that was stolen from my account. They even went so far to say that I had authorized the transactions which did not happen.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I got the car in XX/XX/XXXX I was working and was my first car purchase, I lost my job but I kept my payments until I couldn't anymore, I got XXXX  and I lost a Family member due to ( COVID ) I started having financial difficulties so I sent to PENFED Credit Union who financed my car the hardship letter for the first time, also I had to ask for Financial help from some organizations to make some payments, fortunately I found a job on XX/XX/XXXX but again I lost that job. 
I maintained communication with PENFED members to let them know about my situation, I never hide, not refuse to pay, I am not a " delinquent " person. 
On XXXX XXXX XXXX I had a job accident that kept me unable to work, unfortunately the school refused to pay me so I found myself in need to seek legal help, my case was under worker compensation and I was unable to work for several months, I was in therapy and under medical treatment, I called to PENFED to explain what happened and As soon I had the medical report and the documents from my lawyer I sent to the bank so they knew well about my Financial situation because I kept the communication with them, I didn't know that my case will take so long, thank God settlement was resolved on XXXX the XXXX XXXX but I was unable to make any transactions after I deposited the check until XXXX the XXXX, and the car was repossessed on XXXX  night the XXXX XXXX
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-25
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: Advantage Credit, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete. 
I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report. 
I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 
2. Hard Inquiry of XXXX XXXX XXXX on XX/XX/2021, there was a double pull on my XXXX Credit Report. 
3. Hard Inquiry of Advantage Credit Inc, on XX/XX/2021, there was a double pull on my XXXX Credit Report. 

In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX