davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (FL)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: NAVY FEDERAL CREDIT UNION (VA)

15 USC 1681 section 602 states : I have a right to privacy.

15 USC 1681 section 604A states : a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan for late purpose.
Consumer complaint received 2022-10-20
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 act # XXXX has violated my rights. 

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 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 late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc (CA)

i did a complaint yesterday $ XXXX and when I logged in today my paypal balance was XXXX and my cash rewards was XXXX I called the company and was put on a long hold I gave up and am now waiting on a call back I fell retaliated against I've never felt victimized by predatory activity like this. 

a day ago, before my complaint, i had nearly $ XXXX in cash rewards and don't recall my paypal balance but it was substantial so now I have XXXX, XXXX, and my credit limit still not back to the original $ XXXX. 

and I'm in a queue for when they call me back. thank you CFPB this is when little folks like us need somebody that can shine a bright light I didn't ask for any of this.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

Since XX/XX/2023 I have been trying to redeem my rewards points and log in to my account online to make payments, view statements and redeem rewards points that I earned per the service agreement with the XXXX XXXX XXXX XXXX Credit Card. I have called numerous times and have spoken with multiple agents and supervisors who indicated I would be able to log in and redeem points on XX/XX/2023. I still can not log in and still can not redeem my rewards points. I make my payments on time and am charged interest per the card agreement but my rewards are not being made available to me per the same agreement. I have tried to work the the credit card company to simply apply the rewards to my card balance and they will not. The credit card company is telling me that the issue is a cyber attack on them yet when you call their phone number XXXX, or receive an email from them they tell you to log into their website. If the site was victim to a cyber attack why are they advertising to log into the site. I simply want to redeem my points and get access to my card usage and statements so I can close this account.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

My issue is with my bank, US Bank, more than XXXX XXXX XXXX XXXX. 
On XXXX XXXX I saw a charge for {$650.00} to XXXX XXXX XXXX XXXX on my debit card. I called US Bank to report it as fraud. I was given provisional credit. 
On XXXX XXXX XXXX, I received a letter telling me that my claim was denied because they verified that I had received services and/or store merchandise. 
I have called the US Bank Fraud Prevention Representatives ten times about this claim, and I have also visited my US Bank branch during the last four weeks. I have been told that the claim was denied because the person who made the charge had all my debit card information and my email. I received an email from XXXX XXXX XXXX XXXX listing all the tickets that were purchased and the first names of each person using the tickets. The bank representatives and the XXXX XXXX XXXX XXXX customer service agent told me that they have pictures of all the people who have used the tickets ( and none of them were me or anyone I know ). XXXX XXXX XXXX XXXX will not refund me for the tickets because they have been used. 
I have been told that no one from US Bank can help me, that I need to talk to a processor. Processors will not take calls from customers, so I need to wait for one to return my message. On XX/XX/XXXX, I received a call back message from a processor, saying they were calling me back about my claim and if I had any other questions, I should call the number on the back of my debit card. 
I called the Fraud Prevention Representatives many more times. Four times I have been told that they would send a message for the manager of the processor to call me back. Each time I've been told that the manager would get back to me in 24 - 48 business hours. I have not received any call backs. 
I am reaching out to you because I am at a loss as to what to do about the {$650.00} that has been taken out of my account for a fraudulent charge. US Bank was supposed to protect me from fraud, or at the very least help me with a fraudulent charge on my account, but I can not get any help from them.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern, I am writing to file a complaint regarding the unfair and possibly discriminatory practices of Wells Fargo in handling my credit card account. On XXXX XXXX, 2024, I received a notification from Wells Fargo that my credit limit had been reduced from {$16000.00} to {$8600.00}. This reduction was made without prior notice and placed my balance over the new limit due to a pending transaction, causing significant damage to my credit score and financial stability. 

Timeline of Events : Perfect Credit History, Prior to this incident, I maintained a perfect credit history, using my personal credit to support my business growth responsibly. I never missed a payment and kept my balances within reasonable limits. 

XX/XX/XXXX2024 - Limit Reduction : Without any prior notification, I received a letter from Wells Fargo on XX/XX/XXXXXXXX XXXX, 2024, stating that my credit limit had been reduced from {$16000.00} to {$8600.00}. This immediate reduction placed my current balance over the new limit due to a pending transaction. The balance due was raised to {$650.00}.

Impact on Credit Score : As a direct result of this sudden credit limit reduction, my credit score dropped significantly from a high rating to XXXX FICO. This drastic drop severely affected my creditworthiness, hindering my ability to secure necessary financing for my business.

Violations of the CARD Act : Lack of Notification, The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 requires credit card issuers to provide at least 45 days notice before making significant changes to account terms, including credit limit reductions. Wells Fargo failed to provide any such notice before reducing my credit limit, thereby violating this provision.

Over-Limit Fees : The CARD Act prohibits charging over-limit fees unless the cardholder has explicitly opted into such fees. Due to the sudden reduction, my balance exceeded the new limit, but I did not receive an over-limit fee notification or opt-in request, indicating another potential violation.

Request for Resolution : I believe that Wells Fargo 's actions were not only unfair but also potentially discriminatory. The lack of proper notification and the severe impact on my credit score suggest that the bank may have unfairly targeted my account, possibly due to the recent inquiry for a business line of credit. When speaking with Senior Escalations Representative
, XXXX XXXX XXXX XXXX, although she noted my concerns, the information provided back lack of metrics and " template answers '' which could not be justified.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX  XXXX XXXX is written as a charge off but I have not received 1099 cancellation of debt form. I did reached out to the creditor requesting 1099 cancellation of debt form. the company have not responded. this account is inaccurate and according to the FCRA all inaccurate and unverified items must be deleted.
Consumer complaint received 2022-10-20
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)

Ive reached out to Experian many times to get this matter resolved. I have attached many copies to prove, I have made police reports in which it states I have been a victim of identity theft. They refuse to remove this account from my credit. This is a direct violation of my rights and I will be suing any party who refuses to help. This is my last attempt. Please review attached. The merchant is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but Experian is involved as well.
Consumer complaint received 2022-10-20
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. (KY)

FRAUD REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO EXPERIAN REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO INVESTIGATE OR RESPOND TO THE DISPUTE LETTER. ACCORDING TO THE FAIR CREDIT REPORTING ACT, THEY HAVE 30 DAYS FROM THE TIME THEY RECEIVE THE LETTER TO INVESTIGATE AND RESPOND.
Consumer complaint received 2022-10-20
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX 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
Consumer complaint received 2023-07-26
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. (NC)

I A

M SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (AZ)

Solar Mosaic LLC reported an account on my credit record showing {$12000.00} balance. I never purchased any solar equipment and never okayed to get a loan for solar. I tried to get ahold of them and information I found left me with only message machine and got no call back.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery sued me and they have yet to prove I owe them anything. I used a consolidation company that completely defrauded me and closed all my accounts. I explained this to the company many years ago and they used it to reopen my file that was started when I was a minor. 
Not only that they never served me and are now trying to garnish my wages! Case Number : XXXX PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX Filling Courthouse : XXXX XXXX Filing Date : XX/XX/2019 Case Type : Collections Case - Purchased Debt ( Charged Off Consumer Debt Purchased on or after XXXX XXXX ) ( Limited Jurisdiction ) Status : Default Judgment By Court - Before Trial
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (GA)

I received a bill in the mail stating I have an annual fee of {$170.00} due for a card Ive never applied for or even posses. I called the company, they told me to come here and make a report of it and fax them afterwards.
Consumer complaint received 2023-09-05
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. (GA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-12-03
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)

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 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a 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 late for any purpose.
Consumer complaint received 2022-10-20
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. (MO)

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-26
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. (GA)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (OH)

I signed up and used credit builder, an XXXX Credit Karma product, to build my credit after bankruptcy. After completing the program for 6-8 months, I elected to stop utilizing this service. I made contact to the company per their FAQs to sever this relationship ; the request went no where. A support agent stated they made an expedited request weeks ago ; nothing. The company is expecting $ XXXX, in perpetuity. Any request to agents to close this account results in a request and they end the chat with you so not to have to deal with you. 

This company is setting up relationships with the most financially vulnerable in our society and is taking advantage of their desire to not ruin their credit just to keep the money coming in. 

PLEASE HELP!!
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

( XXXX. XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.
Consumer complaint received 2022-09-23
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. (GA)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below