davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

I have called in XX/XX/year> to get my credit report. Lexis Nexis did not send it. 

I called Lexis Nexis to order for my credit report for the XXXX  time. Lexis Nexis sent me a letter with an access code. 

The access code does not work.
Consumer complaint received 2023-09-28
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. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balance : {$880.00} and XXXX  XXXX XXXX Balance : {$720.00}. Please delete these accounts ASAP.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

On XX/XX/2024, two loans were fraudulently created in my name using Affirm.com with the retailer XXXX. The amounts are {$470.00} and {$1000.00}. 

On XX/XX/2024 I contacted Affirm when I saw an email I did not recognize from them. I learned of these two loans that I did not create. Affirm told me to contact XXXX to have them cancel the order. There is no phone customer service for XXXX and the only way to contact them is via email. I have no record of the orders as they were fraud, so I sent them an email about the affirm loans created in my name with their company. 

On XX/XX/2024 I contacted Affirm again who told me I needed to wait for their department to resolve. Meanwhile the loans still exist and they can not cancel them even though they were clearly fraudulent. I keep being told to wait and it is unacceptable.
Consumer complaint received 2019-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REPORTED AS LATE. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for the quicksilver card which sent spend {$500.00} in the first 3 months and receive {$200.00}. I've spent well over {$1500.00} and they say the offer wasn't applied to my account
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (LA)

I was transferring money from my Venmo account to my brothers-in-law account on XXXX XX/XX/2023. Whatever reason it flagged the transfer from my account to his account and wouldnt let it go through didnt tell me why the lady told me to transfer my money to my PayPal account and my PayPal account transferred to his Venmo account which I did it works for the first {$150.00} and I tried the rest of it. It locked my account saying that I was violating times of service, any terms of service or violated. They told me what to do. They told me to send it from my own Venmo account so my PayPal account is connected and then from my PayPal account to his Venmo account, which I did, and it went through just the first transaction. Now my my money is locked up and Im XXXX miles away from where I live And Im slept in a hotel room lobby last night and the ladies telling me thats gon na be XXXX XXXX XXXX  days until anybody can get back to me for anything so that I have to sleep almost for XXXX XXXX XXXX days because I have no money is locked up in my Venmo account. You guys wont give it back to me you wont give me any reason why being held up and theres no one you can talk to you on the phone XXXX way to get hold of anybody on a phone call you have to do it through a chat or an email and everything takes XXXX XXXX XXXX  days so here I am Monday day XXXX day XXXX actually And Im stuck this is this is bad
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2022-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I recently opened Cabelas Card with Capital One. This has been my only new account opened recently. A few weeks after the account was made someone started opening accounts with XXXX XXXX XXXX. This has happend three times in four weeks. This also happened to my wife with her account as well. They used all of our information from the Capital One application.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Subject : Complaint Letter Fraudulent Account Removal Due to Identity Theft To Whom It May Concern, I am writing to file a formal complaint against credit bureaus for their failure to remove a fraudulent account from my credit report despite my identity theft claim. 

I discovered an unauthorized account listed on my credit report : Creditor : XXXX  XXXX Account Number : XXXX Balance : {$4300.00} I did not open this account nor did I authorize any transactions related to it. It is evident that my personal information has been used without my consent, leading to a clear case of identity theft. 

Upon identifying this issue, I immediately reported the fraudulent account to authorties and the credit bureaus and provided all necessary documentation to validate my claim, including : A identity theft report from FTC A valid police report detailing the identity theft Copies of my identification ( drivers license, social security card ) However, credit bureaus have not taken the appropriate steps to investigate my claim and remove the fraudulent account. The continued listing of this unauthorized account has caused significant harm to my credit score and has placed undue stress and financial burden on me. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and for fraudulent accounts to be removed in a timely manner. 

Therefore, I am seeking the CFPBs assistance to ensure that credit bureaues adhere to the FCRA and promptly remove the fraudulent account from my credit report. I am requesting a correction of my credit records and an updated copy of my credit report upon resolution. 

I am willing to provide any further information or documentation as needed. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
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)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

I have a checking account that was taken over from Washington Mutual Bank by Chase.This was an interest bearing account for years and be it was put into a non interest account. I have a good amount that's been in there and no interest was paid over many years. Ifeel this is very unfair I'm sure the bank is getting a yield on the funds that have been in there years,
Consumer complaint received 2024-03-09
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. (MI)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX  ) XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I Have The Right Of Privacy.

15 USC 1681 section 604 A. section 2 : It also states a customer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX , this statement is being generated on my own behalf. Per the Fair Credit Reporting Act, the below accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.

The following accounts and inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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: Early Warning Services, LLC (NJ)

I was in an abusive relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my abusive relationship. It wasn't until I moved to a completely different state ( all to get away from my abuser ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this XXXX hiccup. I don't know what else to do.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I closed my XXXX ACCOUNT and the reporting companies XXXX, XXXX  and Experian are reporting LATE PAYMENTS on A CLOSED ACCOUNT. according to FCRA that should not be allowed. Please have those reporting companies rapidly remove this adverse action from my consumer report. 
Thank You
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (CO)

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. 

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 XXXXXXXX has violated my rights. 

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 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX  # XXXX the dates were XXXX. My SANTANDER CONSUMER USA # XXXX the dates were XXXX, XXXX - XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2024-04-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (CO)

On XX/XX/2024 we applied for a first time home buyer loan with Amerisave mortgage and we were charged up front credit report charges of XXXX dollars with a guarantee certified approval after we were pre approved through Amerisave for our VA loan. After that we have had XXXX success in getting the lender to respond to our emails or phone calls after submitting even more documents with highly sensitive information. We were promised a locked in lower rate and certified mortgage approval which both were false and deceptive.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/23 at XXXX XXXX I started a transaction for an echeck at the XXXX XXXX XXXX location and my bank ( Chase ). I asked for {$2000.00} and the fee was to be {$82.00} for a total charge to my checking/debit account of {$2000.00}. I was then told to take the inital receipt to the cashier cage along with the debit card used and my ID to verify the transaction and show the card and id matched. At that time the cashier noticed the debit card was for my business and not a personal card. They have a policy to no business cards to be used. They did not process the transaction at the counter, did not swipe the card ask for pin or any signature. I stated that the bank already showed the amount as Pending and the cashier stated that the transaction would drop off in 24 to 48 hours as not completed. The bank took the money out of my account as completed and now says that they paid the casino the full amount and I need to get the money from them. The casino says they show no record of receiving the money nor did their processing company XXXX. XXXX says it was a cancelled non funded transaction. Bank will not provide me with any proof they paid the money or who the money was wired ( paid ) to. Just said XXXX XXXX XXXX but will not provide any info to trace the transaction. Casino and processor says they need info to track as they do not show any payment from the bank in my name. Chase bank refuses to help my any more and said it is my problem and to get with the casino. Have called over 15 times and get no help.
Consumer complaint received 2022-12-10
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. (CO)

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. 

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 has violated my rights. 

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 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

I received a letter from PNC Bank dated XX/XX/2023 about an overdrawn account. The overdraft was in one of the 3 accounts that are part of my " Virtual Wallet '' ( Spend, Reserve, and Growth ). My wife had withdrawn money from a non-PNC ATM, which automatically checked our account balance and in turn initiated a {$3.00} fee for both my primary checking ( Spend ) and savings ( Growth ) ; this transaction occurred on XX/XX/2023. 

I called PNC on XX/XX/2023 after receiving the notice on XX/XX/2023 and was told there is no way to prevent this from happening when using a non-PNC ATM, and that although PNC has halted NSF fees for their checking ( Spend ) accounts, that this did not apply to savings ( Growth ), and that further fees would begin to accumulate if the - {$3.00} remained in my savings ( Growth ) account. 

I don't use the Growth account because we have some uncertainty in our lives ( both of us with sick fathers with little savings, one recently deceased ), so I asked if there was any way of preventing this fee from occurring because it's likely I will use another non-PNC ATM in the future and not catch the notice, which came 3 weeks after the fee. They said the only way to do so would be opening another account.

PNC Bank advertises it's removal of fees and I'm sure it brings it a lot of customers, but this doesn't seem to be the case with its " Virtual Wallet '' product, which at best seems to be a way to unethically incentivize customers into storing funds in their Growth accounts, but at worst looks to be the same predatory fees with few added caveats.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (LA)

I opened 5 new lines with XXXX XXXX in XX/XX/2022. 2 days later 3/5 lines were cancelled online from XXXX and 2 phones were sent. I called and cancelled the 2 remaining lines and asked for a return receipt. I spoke to 15 different representatives over the phone and no one was able to send what I needed but they cancelled the accounts. Once I receive the labels I tracked the package both phones were returned. I then received a bill for over a {$1000.00} for services I never received. I have tried to contact XXXX nothing has been done.