davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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. (IL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase has closed my account Wednesday XX/XX/XXXX. I called them to ask why they have cancelled and Chase refused to give me an answer. They just told me that they have a right to not bank with me. I wanted to know the reason they closed my account and they didn't give me on.
Consumer complaint received 2022-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Reached out to the creditor to have the fraudulent inquiries removed I have never inquired there services, and never authorized anyone to use any of my personal information to obtain any line of credit and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Home Mortgage was notified over 10 years ago that, both our home and mortgage were at risk given the inappropriate relationship between our community developer and XXXX XXXX XXXX. Consequently Wells Fargo sold our loan but continued to administer our loan until XXXX. After numerous interactions with Wells Fargo team members we were instructed to stop making mortgage payments, so Wells Fargo could take possession of our property that had a fair market value in excess of outstanding loans provided by Wells Fargo. This process was handled by XXXX XXXX<Wells Fargo Manager> in XX/XX/XXXX. Throughout this 10 plus year process we were led to believe that our credit reporting and financial losses would be corrected, given repeated errors by Wells Fargo. In XX/XX/XXXX, XXXX XXXX was making progress toward addressing our collective matters. Without explanation she was removed from our situation, Repeated request to the Wells Fargo Board of Directors were answered, no action resulted. With the most recent change at the CEO level, further requests have not received a reply.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have had a checking account with 5/3 Bank for 5 or more years. In XX/XX/2020 my local branch was closed and there is no longer a branch close to my home or business so I opened a new account with XXXX XXXX and transferred all of my money except about {$50.00} out of my 5/3 account. On XX/XX/XXXX I sent a secure message through the 5/3 website requesting that the account be closed and remaining funds be mailed to my address of record. 

I also called the toll free customer service number but was never able to speak with a representative after being on hold for over 30 minutes. 

Since then, the account has still not been closed and it is accumulating service fees on a daily basis. I have tried calling several times and have been unable to reach anyone. Finally on XX/XX/XXXX I was able to speak with a live representative at a call center, but he told me I would have to go to a local branch to close the account for security reasons. 

I am unable to visit a local branch because the branch where I conducted business has been closed permanently. Also, all branches are currently closed and only offer drive through service. I have tried multiple times to call the XXXX NC branch to speak with a banker and no one ever answers the phone. I have left multiple voice messages and no one has ever called me back. I tried calling them again today and there is no longer an option to leave a message. 

As of today my account balance is - {$310.00}.
Consumer complaint received 2020-06-14
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. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2020, I received acknowledgement of the closure of a West Elm-branded Credit card from Comenity Bank ( account number ending in XXXX ). The current balance of the card, according to the letter, was - {$1000.00}. This was the second of 2 credit cards my husband and I had closed with West Elm after purchasing a {$6000.00} couch from them. We opted to take  advantage of special pricing when purchasing the couch if we opened credit cards with them to finance the couch. We payed off the credit card shortly after purchasing the couch. Due to a malfunction in the couch, West Elm offered us a {$1000.00} credit for the portion of the couch that was not working correctly. We asked that they make that out to us in a check as we were closing out the credit card. Shortly after that, they opened a new credit card account and put a charge of {$1000.00} on the account and started sending us bills. We did not request this new credit card account. I have asked for evidence of the opening documents for it and am being denied access to them ( which I am sure means they don't exist which is a violation of the FCRA ). This account was opened fraudulently and I would like to see it closed, all evidence of it removed from my credit report and all balances XXXX out.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have 2 charge off accounts with Capital One. They threatened to take me to court and had me served papers. I was served papers the day after my father unexpectedly died putting an extreme hardship on me at a low point in my life. I decided to accept a payment plan with the attorneys office of XXXX and XXXX, XXXX in XXXX, CO to pay off both debts owed on both these accounts. They are both in good standing and being paid as agreed. There should be no reason for Capital One to report my accounts negatively to the credit bureaus. I am trying to improve my credit and have been successful in doing so until this negative response to my dispute abruptly stopped that momentum! My husband and I are trying to buy our family a newer home and this is delaying our chances of pursuing our goal. My XXXX score went down drastically from XXXX to XXXX after my dispute reporting my accounts with them were being paid as agreed. Before this dispute Capital One was not reporting either of these accounts with past due status! I feel I am being discriminated against!
Consumer complaint received 2020-04-14
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 (SC)

on XXXX20 someone pretending to be me called Wells Fargo and asked for a new credit card to be sent to a different address then mine. Wells Fargo granted this request and now a stranger ( I believe named XXXX XXXX ) has my credit card in his possession and used it at least 4 times with total charges of around XXXX dollars. Wells Fargo assisted in this extortion of my good credit and I am left to resolve all forthcoming issues on my own. This is totally outrages, No bank can be this stupid, phone and voice recognition ignored, no phone call or text to me which could easily conformed if it was me or not, this is something I must do constantly, so why was my imposter not put through the same procedures that I must go through? So what is Wells Fargo 's responsibility in this matter? As I am left to scramble to cover all my credit information. Wells Fargo as not called me on this matter, they have not apologized to me, they have not express any concern nor have I received a transcript of the phone call from XXXX20 to see what information was used to obtain a credit card in my name.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!
Consumer complaint received 2024-02-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I am writing to file a formal complaint against Comenity Bank, the issuer of my XXXX XXXX  credit card, regarding an issue with the application of my recent payment and the subsequent denial of a refund for an unjustified fee. 

On XX/XX/2024, I made a {$200.00} payment towards my XXXX XXXX credit card through the Comenity website. This payment was intended to cover my XXXX statement, but due to the same-day posting and the statement cut-off, it was mistakenly applied as additional principal for XXXX. Consequently, I received a late notice on XX/XX/2024, indicating a failure to make the XXXX payment. 

Upon discovering the error, I promptly contacted Comenity customer service on the same day at XXXX XXXX XXXX. The initial customer service representative acknowledged the misapplication of my payment and assured me that it could be rectified. Unfortunately, the call terminated during the transfer to another agent. Despite this setback, I called back at XXXX XXXX  and spoke with a different representative who confirmed the payment history, acknowledged the lack of notification on the website about the payment cycle, but stated that a refund was not possible due to their relationship with the merchantXXXX XXXX XXXX 

Furthermore, I spoke with a Senior Customer Service representative who, while acknowledging my excellent payment history, claimed that the fault lay with me for not knowing the statement cut-off dates. Despite my arguments and pointing out the lack of notification on the website during payment initiation, he refused to refund the {$30.00} fee. 

My research has revealed two critical points : 1. The company policy, as outlined in the monthly statement, explicitly states that they can refund fees. 
2. Attached are transaction views from both my PC and XXXX  device, illustrating how Comenity Bank charges interest and accepts payments at the end of each payment cycle. The payment in question, similar to others, shows the collection of interest, application of my {$200.00} payment, but inexplicably includes a {$30.00} fee. 

In light of these findings, I am formally requesting the Consumer Financial Protection Bureau 's intervention to address this matter. I kindly request a thorough investigation into the unjust application of my payment and the refusal to refund the {$30.00} fee, as it contradicts the company 's stated policy. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will ensure a fair resolution in accordance with established regulations.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MD)

Every single credit card company has either reduced or forgiven interest during this pandemic. NOT Barclays ( XXXX XXXX XXXX ). Even though the fed rate has dropped to 0 %, they are still charging us 20.99 %. We have never paid late and we have excellent credit. I CERTAINLY hope ( and will also go the banking commission ) that they are not going to get any bail out during this crisis. We have transferred our balance to another card but I wanted this to go on record because there are many people out there who do not have this option.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently sent a letter in XX/XX/2020 to this creditor asking for verification. I never received a response back from this creditor that is reporting on my credit report. I first had to due the research on my own to find out who this creditor is because on my Equifax Credit Report it doesnt show the creditor name or address information whos is a violation according to the FCRA. I also sent a letter to Equifax on XX/XX/2020 stating the inaccuracies with the unknown creditor listed on my credit report and I have yet to get a response. Please see attachment of the letter I sent to the creditor and the credit report showing the unknown information for this creditor reporting to my credit file. I have no knowledge of this account as it should not be reporting on my credit report.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV funding has continued to update this collection account, as well as recently " closed '' the account, but they are also still showing a balance. " On my XXXX  report they reported they closed the account on XX/XX/28, but also is still reporting a balance. They have also used 2 different collection agencies to send me letters in an attempt to collect the debt. And on the bottom of both letters it reads, " LVNV can not report this debt to any credit bureau ''. They were successfully removed from XXXX  due to incorrect information. However they still remain on my XXXX  and XXXX. They have referred this account to another collection agency that is sending me letters. Attached is the letter
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashable LLC (TX)

I sent Certified mail to Kashable requesting that they provide me proof that this account was opened by me and to provide proof. They did not send correct info only a statement with the payment due dates which doesnt show proof of anything. They are in violation of the FCRA and FDCPA. They did not respond in the alotted amount of time to my request
Consumer complaint received 2020-04-14
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. (FL)

I have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX/XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX/XXXX  reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have send several emails to the CEO and payment center. I mailed a couple of letter no responds I investigated the information it keeps coming back no change.

I have 2 accounts with this company on my credit report. both accounts are showing paid in full 1 of the accounts is showing 3 payments with 30 days late 2 payments 30 days late on the other account then no payments then paid in full
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

CITIBANK reported an inquiry on my consumer report without fully disclosing to me that such report would be made upon our initial communication. They also failed to provide me the option to OPT out of sharing my information.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (HI)

I would like to request the correction of inaccurate data on my credit report regarding late payment. It is imperative that this account is updated to accurately reflect the payment and that any erroneous information is corrected promptly. In cases where delinquency is reported, I request that the payment date be accurately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time frame. Therefore, I expect the credit report to accurately reflect the payments made, without any indication of missed or late payments. Additionally, there is no remaining balance on this account that would suggest a missed payment. Please repair this account : XXXX XXXX XXXX XXXX XXXX