davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (TX)

I went to a car dealership in Texas and the car sales man told me that I may qualify for a discount if I was currently in the military. I told him that I was and showed him my military ID. He stated that he still needed to verify that I was XXXX XXXX and all he needed was my date of birth and my social security number. I later learned that he had the dealership pull my credit report as well as submitted my information to multiple lenders that also ran my credit. I have not done business with any of the below listed companies nor have I ever received and approvals or disclosures. I did not give him or the other companies permission to use my personally identifiable information to run my credit. I have disputed these items with Equifax and XXXX. Both Equifax and XXXX claim that they did an investigation and the inquires are accurate. I am now requesting the strict proof of my authorization to obtain, and share my credit report ( specifically the application for credit dated XX/XX/2022 & XX/XX/2022 ), which was used to verify the accuracy of these inquiries during Equifax and XXXX 's thorough investigation.. 

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 XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

Amex unilaterally suspended my account and demanded a financial review. The demand is baseless considering my credit score and history. 

After two weeks, the review remained pending, and they wouldn't allow me to have the card reactivated, even with a lowered credit limit. This is an abusive practice that can impact any person that relies upon the ability to use their credit card, especially when traveling.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (CA)

This is my six 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

To Whom this May Concern, I have noticed XXXX XXXX has reaged the account on my credit report. XXXX sold the debt to XXXX XXXX in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to XXXX XXXX but I have never made a payment to XXXX XXXX and I've never signed a contract with XXXX XXXX and never opened an account with XXXX XXXX. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

To Whom this May Concern, I have noticed XXXX XXXX has reaged the account on my credit report. XXXX sold the debt to XXXX XXXX in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to XXXX XXXX but I have never made a payment to XXXX XXXX and I've never signed a contract with XXXX XXXX and never opened an account with XXXX XXXX. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am a victim of fraud. There is a card using my name that I did not authorize or approve. It has dropped my credit over XXXX points. Id like it removed and my credit to be fixed asap.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA (SC)

To Whom this May Concern, I have noticed FNB Omaha has reaged the account on my credit report. XXXX sold the debt to FNB Ohama in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to FNB Omaha but I have never made a payment to FNB Omaha and I've never signed a contract with FNB Omaha and never opened an account with FNB Omaha. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (FL)

I was aware that everything I requested was denied! I been affiliated since 2010 therefore it became obvious that I wasn't accepted to inherit a loan or credit due to my race.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MT)

I was overdrawn on several times for less than 24 hours and was charged {$35.00} overdraft fees without any window to put money back into my bank account. They took advantage and took my money and said they couldnt do anything and I had to get my balance back to XXXX  Wells Fargo S cost me thousands of dollars of overdraft fees and fees in general over the years.
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (IL)

inquires on my report that i did not give consent to pull. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Also my name is incorrect
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A few schredule payments were return do to invalid card and my card is not invalid my account was close for this reason for suspicious theft fraud i recently made a payment online when i was told my card dont work and it process successfully.
Consumer complaint received 2022-09-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
Consumer complaint received 2023-01-21
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. (MA)

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. 

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 and 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 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 2019-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Ive sent the first debt Validation letter to Portfolio Recovery Associates on XX/XX/2019 and they didnt send proof of validation, so proceeded to submit another debt validation on XX/XX/2019 and they basically said that any more letters will be ignored because they dont have to validate the debt. The newest letters I received from them was on XX/XX/19. To my know knowledge this is a violation of the FDCA so this is why I am making this complaint so they can remove this account from my credit which is negatively effective me.
Consumer complaint received 2023-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MN)

Closed the XXXX line of credit in XXXX. Overpaid and requested a refund. Followed up using the XXXX number and obtained no satisfaction after multiple calls, through XXXX. 2022. Started filing complaints with the CFPB to get the organization to address my concern. After the first complaint filed with the CFPB, USBank provided a copy of the cashiers check that was supposedly issued to me, refunding the amount expected. I examined the check and noticed that the signature was not my signature and I could not determine where the check was cashed or deposited. I filed another complaint with the CFPB noting this discrepancy/information ( Compliant # 2 ). USBank responded " confirming the funds were deposited into an account which did not list us as the owner ''. Still no resolution to the funds owed. Instead I have been asked to file an Unauthorized Paper Debit affidavit with their fraud investigations area. 
- Why am I required to file a fraud form when the fraud was perpetrated on USBank? 
- Why have I still not received the refund, over 90 days later for the overpayment? 
- Why is USBank allowed to have a complaints process that does not allow for clear communication and properly trained personnel to deal with customer concerns?
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I don't exactly know dates but I had a Wells Fargo account. My wife passed away XX/XX/2021 from XXXX at which time I called my bank and requested for all automated payments to be put on hold until I could figure out what to do about my financial situation. Within 2 weeks of my wife 's passing I found out that my account was drained and I had over XXXX dollars in overdraft fees. I lost the house I was buying and 2 cars because of thier mistake. Shortly after they closed my account without notification.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC. Included with this complaint are : FTC Identity Theft Report, Letter to XXXX, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.
Consumer complaint received 2023-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Subject : Complaint against Newrez Mortgage Company for Poor Communication and Lack of Assistance by Team Member XXXX XXXX To Whom It May Concern, I am writing to file a complaint against Newrez Mortgage Company for their poor communication and lack of assistance in a timely manner, specifically by team member XXXX XXXX. I have been trying to work with the company to resolve an issue with my mortgage and have consistently been met with unresponsiveness, lack of interest, and poor communication by XXXX XXXX XXXX. 

I have attempted to reach out to the company through phone calls, emails, and letters, but have received little to no response. When I do receive a response, it is often delayed and inadequate. I have also made multiple attempts to reach out to XXXX XXXX XXXX specifically, but have been met with the same lack of interest and poor communication. 

As a result of this poor communication and lack of assistance, I have been unable to resolve my issue with my mortgage and am left feeling frustrated and disheartened. I strongly urge the Consumer Financial Protection Bureau to take appropriate action to address this issue and ensure that Newrez Mortgage Company improves its communication and assistance to its customers. 

Thank you for your time and attention to this matter. 

Sincerely,
Consumer complaint received 2022-09-30
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. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -FXXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED 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.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 USC 1681.

Dept of Ed/ XXXX : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # XXXX , has violated my rights.

15 U.S.C 1681 section 602A, 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. 
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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

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 2020-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

We took our child for a XXXX  service at the XXXX XXXX XXXX on XX/XX/XXXX. I have my health insurance which should cover the cost completely. However, the XXXX XXXX failed to file the doctor as in-network, which resulted in an additional unpaid charge on us. 

At the time of service, we were told they would fix the doctor-out-of-network problem. That was not fixed and we ended up owning them {$220.00}. However, upon the next two visits of the XXXX XXXX in a month or so, they never told us we actually own them money. Instead, they sent the debt to a collector ( Allied Business Service ) on XXXX XXXX, XXXX, and updated it on XX/XX/XXXX and XX/XX/XXXX ( reduced to {$110.00} which I have no idea how that happened ). The XXXX XXXX XXXX called us ( my wife answered ) on  XX/XX/XXXX as a " complaint response, '' but we never filed a complaint. I only figured out the debt when looking at my credit record in XXXX. 

I visited the XXXX XXXX in person on XXXX XXXX, XXXX. The person told me we they would look into it and contact me. I called again in late XXXX or early XXXX, and was told the same thing. 

So eventually, this episode severely damaged my credit record ( I had 100 % on-time payment of all my credit cards and everything else looks fine ). Despite multiple attempts to solve the problem by visiting them in-person and make phone calls, the XXXX XXXX XXXX still haven't fixed the problem which they originated in the first place.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

i had a regions card and was repeatedly charged overdraft fees as well as having money taken from my account on days that were 20 to day days from the original purchase date. I was almost evicted at one point due to XXXX  charges hitting my account at the same time.