davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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. (CA)

This complaint is in response to complaint # XXXX # XXXX # XXXX. Your claim that there is a completed investigation on the accounts I ( the consumer ) submitted for removal, was not properly verified. XXXX, Equifax, nor XXXX interviewed any ( none ) of my family or neighbors. Per section 606, it contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. Funny when you know the law XXXX likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and XXXX needs to address the facts I have presented. The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. XXXX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. XXXX, DEPTEDXXXX, XXXX XXXX US DEPT ED. I am also demanding to be compensated via check { {$1000.00} } per violation totaling { {$15000.00} } pursuant to 15 USC 1681n. I also Filled a police report.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

There was unauthorized access to my PNC bank account and a unauthorized transfer of money was made totalling XXXX USD the transfer was made via XXXX, and it was done without my knowledge, and without my permission. My PNC has told me that it's against XXXX 's policy for them to do anything about it. After calling XXXX and explaining to them the situation and what happened exactly their representatives told me that it isn't against their policy for my bank to get the money back. They informed me that unauthorized fraud XXXX can be reversed but my bank PNC has to do it since the unauthorized payment was done through them via XXXX but not directly through XXXX.
Consumer complaint received 2021-06-25
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. (CA)

This complaint is in response to complaint # XXXX # XXXX # XXXX. Your claim that there is a completed investigation on the accounts I ( the consumer ) submitted for removal, was not properly verified. XXXX, XXXX, nor transunion interviewed any ( none ) of my family or neighbors. Per section 606, it contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. Funny when you know the law XXXX likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and XXXX needs to address the facts I have presented. The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. XXXX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. XXXX, DEPTEDXXXX, XXXX XXXX US DEPT ED. I am also demanding to be compensated via check { {$1000.00} } per violation totaling { {$15000.00} } pursuant to 15 USC 1681n. I also Filled a police report.
Consumer complaint received 2022-04-19
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. (SC)

This debt with XXXX XXXX XXXX was first charged off in XXXX in XXXX. The agency is continuing to add reporting and updates to the file, as if we have been in contact and I am making payments on this debts. This is effecting my credit rating to the misinformation and incorrection being reported to the XXXX. They last updated Equifax XXXX in XXXX of XXXX. Why is this happening? If you look at my credit reports you will see for the entire year of XXXX there was no reporting, then in XXXX new charge debts being reported. The payment status should not have changed since XXXX. This validates my rights as a consumer, and I feel that the CFPB should take action on my behalf.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I got a past due of 30 days reported to CRA and it is incorrect information being reported. I contacted citi bank and was told that I can pay balance off and they would reverse late fee and also not report to my credit bureaus. I lost my job because of COVID and under the Cares act program I was told I would not be reported to the bureaus. After paying my account in full the rep XXXX at Citi advised not to worry about it. I need this removed immediately.
Consumer complaint received 2021-06-24
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: JPMORGAN CHASE & CO. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine. 

4. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (CA)

I called experian to file a dispute on XX/XX/year>. I dialed ( XXXX ) XXXX on or around XXXX XXXX XXXXXXXX. 
After a long hold, a female agent from XXXX XXXX answered the phone ( around XXXXXXXX XXXX XXXX ). I gave her all of my personally identifiable information, then suddenly she stopped talking. I kept saying " hello, agent are you there? '' There was no response. My call was still connected. This is known as call-avoidance and is unacceptable. Please note : this is not a one-time isolated event ; this is a pattern and practice with experian. I have complained to experian regarding this issue on innumerable occasions. Experian has failed to resolve this matter. Specifically, l 've spoken to Experian 's XXXX XXXX telephonically regarding this complaint. She didn't seem empathetic nor sympathetic. This practice is prohibiting me from filing a valid dispute under federal and states laws. I seek to hold experian accountable. In addition to the CFPB, I will file more valid complaints with the XXXX FTC and XXXX, until and unless, this matter is resolved. DO NOT SEND ME A COPY OF MY CREDIT REPORT AND THIS CFPB COMPLAINT IS NOT A DISPUTE REQUEST.
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

I have an account on my credit report that has a balance of {$25000.00} which is a medical debt from 2019. This debt has been in my credit report for a while and since the company ( AARGON AGENCY ) reported that on my credit I started disputing it, because this does not looks like an account that is mine, I have been asking for validation of debt, but they did not answer to any of my letters. Three month ago they sent me a letter providing information on the account, based on the letter, I was hospitalized for five months with is not true, because I have never been in the hospital for more that 4 days, attached to this complaint will be the letter I received.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Around 2 weeks or so I was having trouble logging in to my experian account and Ive been calling and having no resolution to my problem as to this day I still cant login to my account even after countless password resets
Consumer complaint received 2021-06-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$1400.00} {$2200.00} {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 









Sincerely, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NM)

I bought a car from advantage XXXX a 2017 XXXX XXXX and I bought the gap insurance as well from XXXX XXXX and had full coverage from XXXX XXXX XXXX and my car was claimed a total loss they had me surrender my vehicle and a gap and my insurance company together did not cover the entire price of the vehicle why that happened I don't know I thought Gap was the purpose of finishing paying off if the insurance company did not pay off so now I have {$1600.00} balance on my credit report from Chrysler Capital can you please help me
Consumer complaint received 2021-06-25
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: LEXISNEXIS (OK)

Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

Subject : Complaint Regarding Synchrony XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally file a complaint against Synchrony XXXX concerning my credit card account with account number XXXX XXXX XXXX XXXX. Despite my efforts to address this matter with Synchrony XXXX 's customer service, I have not received a satisfactory resolution. 

Account Information : - Account Holder 's Name : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Promotion Start Date : XXXX - Promotion Expiration Date : XXXX Description of the Issue : On XX/XX/2022, I enrolled in a promotional deferred interest charges credit card offer with Synchrony XXXX for a one-year period. The initial purchase amount was {$2100.00}. I promptly set up auto-pay with the intention of making payments on time throughout the promotional period. Despite my diligence in ensuring timely payments, I did not receive any statements via email or regular mail. 

I had made an extra payment of {$1000.00} in XX/XX/2022 to expedite the repayment process. Shockingly, I realized that I had missed the promotional period and was charged an additional {$530.00} on top of the remaining balance. This oversight was primarily due to my inability to access statements through any means. I did not receive statements during the promotional period via email, or mail. The company insists they did send the statements to the address on file, which is my current address, but I insist I did not receive the statements via mail or email. I've never had any situation like this with any creditor. I am saying the true, I am being 100 % honest, I did not receive any statements in any way. 

Supporting Documentation : I have attached multiple screenshots as evidence, showing that I was unable to access any statements online either. Additionally, I can provide further correspondence and documentation upon request to support my claim. 


Conclusion : I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring consumer protection and fair practices. Kindly review the evidence provided and use your expertise to mediate this matter, allowing for a just resolution. 

Please feel free to contact me at XXXX or XXXX for any additional information, clarification, or evidence you might require. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNCOAST CREDIT UNION (FL)

I received a rejection letter from my bank ( truist ) stating i was unable to co-sign a XXXX dollar loan for a family.The letter stated the following reasons : Delinquent credit, Foreclosure.I was never on a loan of another person, my mother passed away and the bank Suncoast schools credit union took back her condo. I had no financial responsibility to her loan and was not on the loan. I have perfect credit, never late and paid off XXXX homes years early.
Consumer complaint received 2021-06-24
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: DISCOVER BANK (CT)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft DISCOVER FIN SVCS XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Please do not hesitate to help me as I XXXX citizen there's no doubt for that, my heart belongs and loves United State of America, please be there and be kind to help me in times of difficult situation of mine to keep going to live. This really affects me a great impact/big deal about closing my account for no reason. I came here to CFPB to help my problem and advocate my favourable concern, I'm not a bad guy or bad person and also I'm not a hacker or else doing something illegal to closed/shut my account off. I am hoping PAYPAL a good company address my problem and justify it fairly. Reinstate my account is my privilege and blessing to continue use my paypal account and to use my pending/hold balance. Due to this problem Im facing, it cause me XXXX XXXX.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

Hi there, I transferred money through wire to abroad through TD bank branch XXXX dated XX/XX/21, reference # XXXX, until now the money is not received by the beneficiary. I visited the store three times to find out about it but didn't get satisfied answer. Instead of my couple visits and deep concern the branch failed to contact me or update me regarding the issue or any additional requirements.
Consumer complaint received 2024-03-22
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. (WA)

I recently pulled my credit report and noticed some fraudulent accounts on it along with hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Pleas remove these fraudulent accounts and hard inquiries from my credit report they are hurting my ability to obtain credit.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo allowed 2 charges to go through on my account for item I did not purchase and did not walk out of the store with. Wells Fargo refuses to provide anything that has my signature on it and continues to deny my claim. I have contacted them over 50 times between emails and phone calls and no one is helping me. 
The total charge amount was on XX/XX/2021 in the amount of {$3400.00}. This amount came about in two separate charges, the first amount was {$1000.00} and the second amount was {$2300.00}. I do not have the date it was charged because I do not have access to the account anymore. They temporary credited my account and reversed it several times and then refuse to provide and proof for the reversal. These fraudulent transactions caused sever hardship and caused my bank account to go into negative several thousands of dollars.
Consumer complaint received 2021-06-25
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)

I sent a 609 letter to Experian and a 30 day demand to comply. via certified mail. I sent it a second time and still no response. I have received nothing in the mail and no communication in the Experian app of a dispute being opened.
Consumer complaint received 2021-06-24
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 (DC)

My phone wallet was stolen and there was numerous fraud instances on the cards and accounts. BofA honored the other fraud claims, but XXXX ( which I have never personally used, NEVER HAD A XXXX ACCOUNT ) did not honor, despite the fact that there was a police investigation and a clear perpetrator to the crime. The funds were taken from my BOFA checking account. I reached out to XXXX more than 6 times and each time they said they were investigating. The police detective was XXXX, XXXX XXXX ( XXXX  ) XXXX and the case number was XXXX. 

XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX BOFA keeps refering me to XXXX and ... .. 

At this point I've filed a complaint with the XXXX  and this is the response from XXXX : " Based on the information you provided, this occurred directly through your bank or credit union. It isimportant to note that XXXX does not hold or handle any money. XXXX provides messaging between the senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts. All transaction and/or profile information for XXXX is maintained by your bank or credit union. 
If you have not already done so, we recommend contacting your bank and filing an unauthorized payment dispute. "