davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX
Consumer complaint received 2023-09-14
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: SYNCHRONY FINANCIAL (WI)

on XX/XX/2023 I mailed a physical letter to XXXX XXXX XXXX from regulatory department at synchrony bank requesting the information on my credit reports from my synchrony bank citgo credit card be removed. 
The account on my reports is actually hurting my average age of credit and since there is no federal requirement that positive accounts must stay on report for 10 years
Consumer complaint received 2023-09-14
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. (GA)

Credit Reporting Agencies such as XXXX, Equifax, and XXXX, along with the Financial Institutions XXXX XXXX XXXX and Credit Collections have violated my right to privacy and right via the FCRA. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. The identified transactions are not information related to any transaction by me as the consumer. This information being reported has caused harm to me and my family.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Neon Newco Corporation (PA)

Today is XXXX XXXX and for the last 5 months or longer I have charged a {$20.00} overdraft fee by net spend for every transaction above my limit {$10.00} overdraft fee limit. I have tried to resolve this being that this has to come out of social security checks and I can not afford that overdraft fee. Not just because of what the overdraft fee cost because I never spend at most {$40.00} over. But this month I went by {$30.00} and I now owe them {$100.00} for items that only cost {$10.00} to purchase. I have ask them to send me my statement thru the mail and they still haven't done. My mobile account I am always locked out and I knowthat I am not wastful with money. Net Spend has always an excuse for why they over draft fees are so high. I thought that this is another case of price gauging, but that would up to you. my email ; XXXX. I just bought the house I live in so I would appreciate if someone could understand my complaiant. Thank You!
Consumer complaint received 2018-05-02
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: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX/XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc (CA)

Chime, XX/XX/XXXX XXXX XXXX  ATM fee {$6.00} ( {$4.00} ATM Fee, {$2.00} Chime fee ) The Chime app directed me to this address : XXXX XXXX XXXX XXXX There is an ATM there. 

The address of the ATM : XXXX XXXX XXXX XXXX There is no difference in the physical location of those two addresses. 

I contacted CHime to complain about the fees, Chime was unwilling to discuss the {$4.00} ATM fee.
Consumer complaint received 2023-09-14
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. (NY)

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sprechman & Associates, P.A. (FL)

I XXXX XXXX, received a court summons for an aleged debt. I have no knowledge of this aleged debt, and would like validity of said debt. There has been multiple FDCPA violations by this company including but not limited to harassing phone calls. An affidavit sign by a third party, that was not present at the time of the aleged transaction was submitted to the courts. This allegation is suspicious and deceptive, and run the risk of damaging my character. 

Robinson v WELLNESS CARE CREDIT LLC CASE # 0:2022CV60460 ORDER OF DISMISSAL
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I was a victim recently to fraud. They disguised themselves as XXXX XXXX and gained access to my home computer on XX/XX/XXXX. 

I then received calls about fraudulent charges made on my debit card and requested a new card. I also received another call about it being delayed. One of the two calls was a fake and they were able to get more information from me though I dont remember what. While this was happened on the XX/XX/XXXX my account was accessed and atm withdraws were made of XXXX XXXX times for a total of XXXX dollars. 

I had my accounts frozen immediately after that and change my account and blocked all my cards. They fraudsters continued to try and access my account till today. I filed a claim white XXXX and then called back and had to file again because the first one was apparently not sufficiently done. This includes adding information about my digital wallet. They asked if I had any, which I replied that I had an XXXX XXXX Apparently there was a XXXXXXXX XXXX connect to my account as well. I believe thats what they used to pull the money out of my account. 

I was dealing with this while being out of the country ( I flew out XX/XX/XXXX to XXXX ) so it was challenging to contact the Bank. But I did manage to contact them after finding out that my claim had be denied due to the fact that they used one of my recognized computers to access and withdrawal the money. They then suggested I speak to my internet provider to see if they can give me proof that my account was hacked because f I wanted to dispute the claim. This is about the entirety of what happened so far. 

I will now go and cancel my cards today and ask for new ones as the fraudsters still have been trying to use my credit card though its locked. My new account for my debit has not been attacked since I change it though. I also changed all my passwords since then as well Please let me know whatever more information you need me to provide to help assist me get my money back. Thank you in advance. 

The file claim number is the following # XXXX- XXXX
Consumer complaint received 2023-09-14
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. (PA)

This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Lendmark Financial Services (CA)

I was recently made aware of a fraudulent account that was open using my personal information without my knowledge or permission. There were two different auto loans as well several credit cards. 

1. XXXX Account Number XXXX 2 ; XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (NE)

Fifth Third Bank services two mortgage loans on which I am the borrower. I make payments on these loans on the XXXX of each month, before a late payment fee is assessed. I have never been informed that there is a time by which payment must be made on the XXXX ; I have always understood that the late fee would be avoided if payment was made by the end of the day on the XXXX. 

In XXXX I made the payments on my mortgage loans at XXXX and XX/XX/XXXX XXXX Eastern Daylight Time. I later received correspondence assessing late fees of {$96.00} and {$53.00} on the loans. 

On XX/XX/XXXX I called Fifth Third and spoke with " XXXX ''. I explained the situation and asked that the late charges be waived. He said one late charge per year could be waived on each loan. 

Then XXXX informed me that he would not waive the XXXX late charges because there had been waivers of late fees on the XXXX payments. Fifth Third had never informed me that it had assessed or waived late fees for my XXXX payments ( which had been made at XXXX and XXXXXXXX XXXX EDT on XX/XX/XXXX ). I explained that, based on my records, late fees should not have been assessed in either XXXX or XXXX. 

After quibbling with me about actually submitting a request for waiver of the late charges and purportedly speaking with a higher authority, XXXX then " allowed '' me to make a request for late charge waivers. He said a response would be provided in ten days. I then asked to speak with XXXX 's " higher authority ''. After being on hold for 15 minutes, I concluded XXXX and his staff had " ghosted '' my call ( i.e., just put my call on hold and forgotten about me ). 

I have never gotten a response to my request. More importantly, my late fee charges have not been reversed. 

My complaints are that : 1 ) improper and undisclosed late fees were assessed against my account in XXXX, XXXX ) improper late fees were assessed against my accounts in XXXX, 3 ) my request for reversal of the late fees has apparently not been received or properly processed, 4 ) I was " ghosted '' during my inquiry call, 5 ) the late fees assessed against my accounts in XXXX have not been reversed, and 6 ) I have not gotten a response to my late fee waiver request.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (AL)

These accounts where open with out my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
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. (NV)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a bankruptcy and multiple negative accounts that appear on my credit file. The bankruptcy courts confirmed to me that they do not validate or verify any bankruptcies or information related to bankruptcies to any credit bureaus. This appearing on my profile is also a result of identity theft. I asked the CRA to remove this information and they said they verified it with the courts. How is that possible if the courts don't verify bankruptcies? This means the CRA is lying and this information is unverifiable and by law must be deleted. I am having trouble obtaining housing and employment due to the damages on my report and my reputation. There are also multiple negative accounts that need to be removed. The CRA is also violating multiple FCRA laws such as follows -15 USC 1681 is a section of the United States Code that outlines the rules for consumer reporting agencies. Specifically, it states that 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.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

-Rule 9037 of the Federal Rules of Bankruptcy Procedure is a privacy protection rule -15 U.S. Code 1681b - Permissible purposes 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 : In accordance with the written instructions of the consumer to whom it relates.

- ( a ) Block 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX XXXX 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, XXXX, XXXX  compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, XXXX XXXX compliance and a plethora of USC violations. 

I have a 17 Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of XXXX XXXX Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Guild Holdings Company (GA)

Regarding previous CFPB complaint # : XXXX I originally sent a complaint on XX/XX/2023 and never received the letter regarding the information I requested. I then sent an email to Guild Mortgage LLC and no one is helping me get this information-they are just passing me around to another department ( between customer service and loss mitigation ).
Consumer complaint received 2023-09-14
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)

This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-11-12
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. (FL)

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.