davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
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. (FL)

I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!
Consumer complaint received 2023-02-26
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: National Credit Systems,Inc. (TX)

XXXX XXXX XXXXXXXX XXXXXXXX and National Credit System have unlawfully lowered and illegally damaged my credit score. The account collection date references the date of XX/XX/XXXX, XXXX in the amount of XXXX and none of this information is accurate. In accordance to 15 USC 1608 ( b ) 2 permissible purposes it is unlawful to provide inaccurate information. 
This account is not only inaccurate but damaging to consumers such as myself. This item keeps me from retaining a primary residency. This is detrimental.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

Dear Discover, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights.

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The following items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items that are causing my score to drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!
Consumer complaint received 2017-09-19
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: SYNCHRONY FINANCIAL (NY)

I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.
Consumer complaint received 2024-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I got couple of fraud requests from Venmo. All of those requests came from Venmo email address ( XXXX ). 
When I checked with Venmo, they mentioned it was forwarded by fraudster who was trying to scam me off money. However the email came directly from venmo. 

In addition, while trying to contact venmo and report fraud to make sure I am not scammed, all of the options provided in the help section was inaccurate. There is no direct option to reach when you are reporting fraud. Being a financial company that deals with XXXX transfer, it is really upsetting to see a site having no proper fraud protections and having proper help when fraud is committed. This is something encouraging scammers as they are very little preventions in place set by venmo. 

Not sure how a financial organization can go about with so little protection when consumer privacy and protection should be of paramount importance.
Consumer complaint received 2024-04-27
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. (MS)

XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX The above accounts are reporting on my experian consumer report illegally without my consent and violating the Family Educational Rights and Privacy Act. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). These accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This law states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' I have not given the XXXX DEPARTMENT OF EDUCATION my written consent nor have i given XXXX my written consent to report this information. Therefore I demand that the above accounts be deleted due to the fact that they are illegally reporting.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for the XXXX  XXXX card with Bank of America. I was denied even though I have very excellent credit and a very low credit utilization. 

I've had a working relationship with Bank of America since 2015. I can provide pay statements and asset history as I make well over $ XXXX a year. I hardly have that many inquiries on my credit report and I really wanted to use this card as I'm traveling more for work now.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

We have a business checking account with Wells Fargo. They put a hard hold on the account due to the nationality ( XXXX ) of one of the company owners. This hold made without any prior notice, and we provide the requested documents on the next day. Now passing 10 Business day and they have not removed the hard hold from the account. We made 2 claims with their customer services but no one answer us. we made contact direction with the involved department ( via email ) and they are not responding at all. This face all of our business being shut down and we suffer a lots of loses. 2 days ago we ask them to close the account and refund the money in the account ( XXXX $ ) but they even refused that!
Consumer complaint received 2024-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Back when student loans began repayments, I had set up Auto pay. After almost a full month ( with no contact from Nelnet who services the loan ) my auto pay was not taken. Luckily I noticed this and sent an email to them asking they ensure it is always on. I had not heard back from them FOR MONTHS. I logged back in this morning to check again, as the payment was not taken out. For some reason XXXX payment was not on auto pay, but XXXX was? I am asking that my servicing be switched so I can deal with a company that prioritizes customer service, and not try to make me late.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I have a best buy credit card issued by Citi Bank with a current balance coming due XX/XX/year>. The balance is {$640.00} and if not paid they will charge me {$340.00} in interest. Any other credit card or line of credit with this features always puts the extra amount paid onto the promotional balance. Per customer service at Best Buy only payments within the 60 days of the expiring promotional balance will be applied after satisfying the minimum due but you have to call to transfer that payment to that balance even within the 60 day time frame. My husband has the same card and when paying extra it went automatically to the promotional balance first without a phone call and without it being the 60 day stipulation time period. As a consumer, this sounds like credit card fraud towards the consumer. I've used this feature with Macy 's credit card and Pay Pal Credit and never did I have to tell them to apply the extra payments nor was I restricted to the 60 day time period. How can Citi Bank not follow these same rules? There should be some time of regulation on Banks who issue credit card and offer these types of promotions.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

I am the author of this complaint I was denied credit so I checked my credit report and noticed that Discover Bank is reporting a charged off account on my credit report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given Discover whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as XXXX or any other CRAs. 

Discover Bank never provided me with documentation notifying me of my right to opt-out of all authorizations and reportings. 

Furthermore, XXXX did not conduct a reasonable investigation as required by 15 USC 1681.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TN)

I have called to speak to someone they give me numbers to folks that cant help which is a runaround and the website is giving a error message so you cant file a dispute online. However the issue is my self finance credit limit is showing {$200.00} which was reported to transunion which is inaccurate and my actual limit is only {$150.00} so my credit dropping by XXXX point for something that was not even accurate. As you can see my balance is XXXX. My statement for self dont even close until the XXXX. Today is the XXXX so how it dropped and my self card was paid for on the XXXX.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My claim was denied yet again, they fail to send me a letter why it was denied and Im protected under Regulation E and did not make those purchases yet they say that I did. I need my money back and they are denying all my claims.
Consumer complaint received 2023-01-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Regarding XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX concerning the accuracy and reporting practices of an account listed on my credit report. 

The account in question is identified as XXXX and is associated with XXXX XXXX XXXX XXXX However, I have noticed that the credit report indicates that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. Despite this, XXXX XXXX XXXX continues to report this account on my credit file, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA guidelines, specifically under 15 U.S.C. 1681s-2 ( a ) ( 5 ), once a debt has been sold or transferred to a new company, the original creditor ( XXXX XXXX XXXX XXXX is no longer responsible for reporting it. The responsibility for reporting the debt now lies with the new company ( XXXX XXXX ), who currently owns the debt. 

By continuing to report this account on my credit report, XXXX XXXX XXXX is potentially violating the FCRA 's provisions that govern accurate and timely reporting of information to credit bureaus. 

I believe that XXXX XXXX XXXX should update my credit report to reflect that the account has been sold or transferred to XXXX XXXX and remove any reference to this account from their reporting. 

Enclosed is supporting documentation from the credit report, clearly showing that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that XXXX XXXX XXXX complies with the FCRA and accurately reports my credit information. 

Please provide me with a written response once the investigation is complete and appropriate action has been taken to rectify the situation. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that upholds my consumer rights and ensures fair credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ND)

I had a Credit card from XXXX XXXX. Due to financial problems I stopped paying on the card in XX/XX/XXXX. XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account Number XXXX XXXXXXXX. Portfolio recovery took over the collection on it, they changed the date to XX/XX/XXXX as last payment. They also changed it on the credit report to look like a loan and has a payment arrangement so they don't have to abide by the statute of limitation. This is 6 years in the state of Utah. XX/XX/XXXX. They are actively presenting it as a loan they have arrangements to be paid on. I have never talked to them or have made any arrangements or agreement. Thes are 100 % false dates and have illegally changed it to a loan to avoid Fair credit consumer laws.