davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

Subject : Cease and Desist Unauthorized Credit Reporting Adherence to FCRA and Texas Identity Theft Laws Dear WELLS FARGO, I am reaching out to address a concerning issue regarding unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Texas Finance Code Sections 392.301 and 392.305, alongside pertinent identity theft laws, particularly Texas Penal Code Section 32.51 . 

It has recently come to my attention that WELLS FARGO has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. According to federal law, as stipulated in the FCRA, consumer consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Texas state law, specifically Section 392.301 of the Texas Finance Code, underscores the importance of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code provides clear directives for the fair reporting of consu
mer credit information. Concurrently, identity theft laws, such as Texas Penal Code Section 32.51, emphasize the gravity of unauthorized access and misuse of personal information.

I wish to unequivocally assert that I have not granted consent for WELLS FARGO to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially resulting in harm to my creditworthiness and demonstrating a complete disregard for federal and state laws.

I demand, with absolute certainty, that WELLS FARGO promptly ceases any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to adhere within the designated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under relevant laws, including those pertaining to identity theft.

It is imperative to recognize that obtaining consent is not discretionary but rather a legal obligation under the aforementioned sections of the FCRA, Texas state law, and identity theft statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations aimed at safeguarding consumers like myself from unwarranted and detrimental credit reporting practices.

I anticipate your immediate attention to this matter and trust that WELLS FARGO will expeditiously rectify these egregious violations, thereby upholding my rights under federal and state laws.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

I originally opened my account in XXXX but kept same account when I moved to AZ. I have two checking and one savings account at Chase. I recently sold my home and buying a condo requiring cash. I received an ACH transfer from my title company using the same routing number as on my checks. No problem, that transfer went thru smoothly. However my brokerage also sent an ACH on XX/XX/XXXX and I/we keep getting the runaround from Chase ACH support services. Ive called every day. First they told me on Tuesday that they found the payment and would post by XXXX. No! So called again on Wednesday, no record of transfer! Called again today on a 3-way call and were told because the amount was over {$100000.00} it would not be released until XX/XX/XXXX following investigation! Please help, we are only reaching XXXX support who then texts someone else for guidance. They said there is no XXXX contact for Chase ACH accounts.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA checking account ending in XXXX Deposited a check personal check from my XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX on XX/XX/23 for {$3000.00} funds were initially posted immediately On XX/XX/23 I attempted to use my debit card & it was declined. I called usaa & was told a hold was placed on my deposit and funds would now not be available until XX/XX/23. I asked why & was told due to a returned deposit from that -which I didnt have On XX/XX/23 the {$3000.00} check cleared my XXXX account XXXX I called usaa on XX/XX/23 informed the check was paid on XXXX and asked if the funds could be released now or next day. The rep was helpful -said she contacted the back office at usaa and was told nothing could be done until XX/XX/23. I asked doesnt usaa get notice that they check was successfully paid she said they dont So now Im stranded out of state with no access to my {$3000.00} deposit -account is now overdrawn -transactions are being rejected -I cant pay my bills Why cant usaa confirm with XXXX the check was paid rather than wait until XX/XX/23 Rep told me theres a reg CC hold on the check Issue XXXXFraudulent XXXX transactions from my USAA account ending in XXXX XXXX XXXX XXXX were made from my account on XX/XX/23 My cell phone was lost or stolen while at the gym I did not make these transfers -no knowledge of this person who recieved my funds XXXX XXXX I filed a police report with XXXX XXXX police department Report # XXXX XXXX XXXX XXXX I uploaded to USAA customers have no way of speaking to anyone In the fraud /security department to get status updates & no one has contacted me
Consumer complaint received 2023-07-17
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. (VA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-17
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. (VA)

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 2024-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

I keep receiving calls from XXXX ( XXXX ) XXXX and similar numbers with a women voice : XX/XX/2024 at XXXX XXXX  " Hi, this is from a debt collector. This is XXXX XXXX please call us back at XXXX again the number is XXXX thank you. 

I have received at least 10 or more calls from these people, who left the above message on my cell Phone recorder. No other information was left by team.
Consumer complaint received 2023-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (PA)

LOANS SERVICED BY DIRECT LOAN SERVICING CENTER ( ACS ) REPAYMENT PLAN : Standard Repayment Plan This is from my FSAL Dashboard. 

It clearly states my FSAL were Direct Loans. 

Why did they become Commercial Loans when XXXX acquired the FSAL in XXXX? 

What happened?
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-07-17
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. (IL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX XXXX - I never authorized t

his inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Consumer complaint received 2023-07-17
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-17
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. (NY)

According to my credit report, I owe XXXX XXXX XXXX over {$17000.00} for a vehicle but I dont even have a drivers license. I am not sure how I can finance and own a vehicle without a Drivers License. I believe I have had identity theft.
Consumer complaint received 2024-03-01
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been writing to Bank of America regarding a fraudulent charge that happened on XX/XX/2023. 
Someone, used my credit card and bought an XXXX online and picked it up from XXXX XXXX 's store in XXXX, XXXX. XXXX XXXX provided fraudulent receipts to Bank of America stating that it was shipped to my address. I have tried to get XXXX XXXX to take responsibility for this error, but they don't care and don't want to send a refund to Bank of America. 
Bank of America is ignoring all my letters, police report, complaint to XXXX  regarding XXXX XXXX business practices, my letter to the attorney general of Texas. 
They don't give me a credit for this fraudulent {$640.00}.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received XXXX XXXX  report consumer ID XXXX. Info on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX identity theft send me an email and said my social security number is on the dark web. I never had a bank account with Bank of America or XXXX XXXXXXXX XXXX or XXXX XXXX. Please advise. Thank you. 
XXXX XXXX
Consumer complaint received 2023-07-17
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-02-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WY)

I have a following problem I contacted equifax in XXXX to put a freeze on my credit report on XX/XX/XXXX I contacted equifax to remove the freeze they told me to send a fax which I did and I received a letter saying that they can not find my file I called equifax and spoke to several agents who said they can not help but they can see my credit file and they said I have to send in a fax I explained that I already sent it on XX/XX/XXXX they said we dont see a record of the fax I explained to them that I received a letter saying that they received a fax and can not locate my file but the agents told me that they dont have any record that such a letter was sent but I have the letter I am trying to get help from equifax to please locate my file help me remove the freeze and help me log into my account I have an email that I received that I did send a fax transmission for fax tag XXXX destination XXXX and that it was delivered but I
Consumer complaint received 2023-07-17
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)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXXXXXX.
Consumer complaint received 2020-06-16
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

To whom it may concern : I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road togetherMy credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

For second time in less than a year I have been charged late fees and in the first case interest by XXXX XXXX XXXX. Comenity XXXX XXXX XXXXXXXX, Texas. My payment in both cases were processed on the XXXX of the month. The due date was the XXXX of the month. In the most recent case the payment was mailed on XX/XX/2022 from XXXX Massachusetts. It should not take 20 days for Comenity Capital Bank XXXX Texas to process a payment. Is this a systemic problem within Comenity Capital Bank? 
For example XXXX XXXX Banks, in XXXX XXXX XXXX, Texas routinely process my payments in 10 days. 
I called the company there response was slow mail during the holidays. I mailed the bill the day after I received.
Consumer complaint received 2023-06-12
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)

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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, and 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

This is totally unacceptable Chime! I woke up to check my Chime bank account on the XXXX of XX/XX/2024 and I noticed my balance was way below than what I had. I then noticed XXXX fraudulent transactions that were posted. Someone had initiated a transfer to the bank called XXXX. I have absolutely no idea what that even is and someone made XXXX transfers of {$700.00} and {$860.00}. Also, somehow the account has been linked to mine for some reason and now it says I cant pull funds from this account. Coincidence? I think not. I submitted a dispute and they rejected it twice. Now I am XXXX down the hole in money and Im afraid I wont be able to make payments to my credit card companies and it is money that I need! Im going through a financial crisis, as well as anxiety because of this. Also when I called and told them that my account is compromised they didnt even attempt to close my account or send me a new card, the best they said was Submit a letter on what happened as supporting documentation, which I did and which still provided a denial of my dispute.