davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: Credit Karma (SC)

On XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, Credit Karma also stated if XXXX payoff one of the items showing on my credit report, my credit score would increased by XXXX points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and Credit Karma solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items Credit Karma suggested. Also, I've spoken with all agencies above but this issue has not been resolved.
Consumer complaint received 2022-10-21
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. (NC)

I sent letters out to all XXXX credit bureaus and XXXX regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (TX)

I opened an online account with Chime. They asked for my Debit card number. They allowed me to transfer {$5.00} immediately as a test. It worked. My daughter sent me {$270.00} on Chime. I tried to transfer it to my checking account. They asked for my routing number and my account number. I gave it to them. But, when I tried to transfer my money from Chime, they said I must get their debit card then. Do, I did. I opened the card. I transferred the money from Chime to my banking checking account. It said I would get the money in 3 days. Today is the third day and Chime now says they cant help me. I will simply have to wait for the money. Instant transfer of {$5.00} first. Instant transfer of {$270.00} onto my Chime account from my daughter. But I can not get my money without them having my routing and account number, having to open their Debit card that I NEVER asked for, and waiting almost a week to get my money ( they now say I should have my money by next Tuesday ).
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this as a formal complaint against Transunion for not investigating and removing the errors and inaccuracies from my credit report. Transuion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved. I am not familiar with the majority of these companies and I have yet to see any proof that these accounts belong to me or that I owe these companies anything. They are also in clear violation of Metro 2 compliance as I have pointed out in my dispute letters but they haven't responded or shown me any proof. Please help me get these negative accounts removed from my report.
Consumer complaint received 2022-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act Capital One account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated 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 without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.
Consumer complaint received 2022-10-21
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: REGIONS FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act Regions bank signature account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 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 written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion allows fraudulent and inaccurate information to be furnished about my person. 
The following accounts are inaccurate : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : All late payments are incorrect.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and VantageScore are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2023-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-01
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: JPMORGAN CHASE & CO. (MI)

Unauthorized/unsolicited Hard Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The interest charges from the fraud claim were not all reimbursed. They started accruing in XXXX and I only paid my balance minus the fraud charge and interest associated with not paying my balance in full like I do every month. I called them to ask for the credit of {$100.00} that they still haven't paid and got an email denying my request. So please help me. Thanks. ( I've been a Bank of America customer since 1994! ).
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Acoount # 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
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/2023 I received letters from Synchrony Bank indicating that my 3 lines of credit with Sam 's, Lowe 's and JC Penney 's had been closed due to " high risk of failure to pay ''. This stems from a stop payment mistake XXXX XXXX made on a payment to Sam 's. The took responsibility for this mistake and tried to do everything possible to communicate with XXXX to resolve the issue. 
We have paid off ALL credit card balances in full, for I can't tell you how many years. Our credit score continues to decline ( from XXXX to barely XXXX ) per XXXX despite the remaining credit accounts we maintain are paid in full every month. Indication of slow payments are referenced which is not correct. All accounts are on autopay. 
I have done everything humanly possible to correct this and have my credit score reinstated to the level it was prior to this fiasco. I went to the bank and the manager reached out directly to a Synchrony representative and despite being told that a formal investigation would take place, nothing every happened. 
I have let this fall by the XXXX. Initially it was important for me to have the three lines of credit reinstated because they were financially beneficial because of points and discounts offered with their use. I no longer am concerned about credit with Synchrony, but I AM interested in having my EARNED EXCELLENT CREDIT RATING reinstated. 
I appreciate your help in resolving this matter.
Consumer complaint received 2022-10-21
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-21
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. (IN)

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2023-07-26
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)

After a previous dispute investigation, XXXX XXXX found that this account was incomplete/inaccurate and then deleted. However, XXXX XXXX only reported this result to XXXX and not the other consumer reporting agencies violating FCRA that states If the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 This account is showing inaccurate information on my credit report.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Round Up Ventures, L.P. (NC)

The following companies are not following the FCRA laws and rules regarding reporting late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exceptas otherwise provided in this subcha pter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the
consumer can exercise that nondisclosure option.
Consumer complaint received 2022-10-21
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. (KS)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX and XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

So basically I transferred money from my account to XXXX XXXX. The amount on XXXX XXXX has a daily limit, I reached my limit and I transferred the remaining balance back to Wells Fargo which was {$1500.00}. Wells Fargo stated that they put the money back onto my account however it never reflected back in my bill. I called Wells Fargo and asked for a statement for those specific day and I noticed that I had missing information. They credited me back the {$1500.00} and then I looked at my account weeks later and I was in the negative for {$1500.00}. They eventually closed my account checking account and left my savings account open. This has affected my credit. This is not Wells Fargo first time taking money from me.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

the company emailed me. enclosed a complete detail of what i owe with my personal information. they also identified themselves as a collection 's agency saying i owe them. this is 3rd party disclosure as they did not use any level of security identification processes at all.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (FL)

Movement Mortgage has failed to manage my Escrow Account & Escrow Funds properly, in direct violation of the Code of Federal Regulations CFR 1024.17 ( k ) ( 1 ). 

Details : Movement Mortgage failed to disburse funds from my Escrow Account for my annual Homeowner Insurance Policy Renewal, which was due XX/XX/2023. 
On XX/XX/2023, I reached out to Movement Mortgage to inform them of their failure to disburse funds on or before the due date as required per CFR 1024.17 ( k ) ( 1 ). 
I informed them that due to their failure to disburse funds on time, I contacted my Homeowner Insurance provider directly, and provided direct payment to them which they required in order to avoid a lapse in coverage. 
Movement Mortgage then proceeded to disburse the funds to my Homeowner Insurance provider LATE, and only AFTER I reached out to them regarding their failure and after I informed them that I paid my Homeowner Insurance provider directly as a result of their failure. 

This is yet another instance of the constant/nonstop unethical business practices perpetrated onto me by Movement Mortage and is in direct violation of Federal Regulations. 

This company needs to be investigated.