davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, 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. 

XXXX XXXX  : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights And other 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MI)

In the Chase app the bank promised me a {$200.00} XXXX gift card. But I never received the gift card. Chase tells me to contact XXXX and XXXX refers me back to Chase. It's back and forth and no one wants to own it. This is Chase responsibility because they communicated to me in their app informing me they were giving me a {$200.00} XXXX gift card. 

I am uploading a screenshot of the communication I have with Chase promising me the {$200.00} XXXX gift card. Also a screenshot of my XXXX gift card transaction history to prove I never received the gift card.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc. (TX)

I have notice after receiving my 3-credit reporting. that Avant-WebBank original creditor, had post a charge off and sold. but never added a written off on this item upon, reviewing all 3-credit reporting that this is inaccurate, also it was sold to a third party without my written consent. it is illegal for a collection agency to buy up my debt and come after me.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Mr. Cooper held the mortgage on my prior home. I sold my prior home, and Mr. Cooper provided the banking information to the title agency to which the house sale proceeds should be wired to, in order to settle my home loan. Mr. Cooper failed to tell the title agency that it had transferred the loan to XXXXXXXX XXXX prior to closing, and fraudulent accepted the money, when it should have gone to XXXX XXXX instead. Now, I am stuck in the middle trying to get the money from Mr. Cooper to XXXXXXXX XXXX so this mortgage can be settled. I would like Mr. Cooper not only investigated for fraud, but to resolve this issue on their own as it is completely their fault.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Amendment of previously unpaid CFPB complaints against Wells Fargo Bank N. A. " XXXX XXXX and XXXX XXXX et. al. ". Attached please find Theft Report, FTC Defrauding Consumer Report, CFPB complaints, Barring Notice, evidence of unpaid promotion bonus {$1100.00} and {$820.00} etc and banking transactions, Wells Fargo closing letters etc. 

Wells Fargo Bank N. A. repeatedly deprive consumer rights to prevent completion of promotion bonus requirements by closing consumer new accounts within 24 hours in XX/XX/XXXX by XXXX XXXX and within 10 days in XX/XX/XXXX by XXXX XXXX. Plus a fraudulently cashed checks {$750.00} in XXXX. 

Although complainant followed the requirements. However, Wells Fargo bankers failed to give me applicable time such as 30 days or 90 days to complete the promotional requirements according to the bonus requirements. Attached please find Wells Fargo closing lettes dated on XX/XX/XXXX and another closing letter dated in XX/XX/XXXX. 

Also, Wells Fargo bankers and tellers intentionally block the transactions such as : failure to complete applicable deposit on XX/XX/XXXX after verification from complainant and another financial institution. 

XXXX XXXX must pay off the debt {$1100.00} plus 20 percent interest as well as all related damages and losses for deprive consumer rights, deceptive marketing practices, defrauding consumer etc starting XXXX based on the completion of requirements by complainant. 

Further, two fraudulent checks {$750.00} plus 20 percent interest must be paid off starting XXXX plus all applicable damages and loss such as health, privacy etc.
Consumer complaint received 2021-12-22
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding is reporting on my credit report unlawfully and without my consent an alleged debt collection that was originally with XXXX XXXX XXXX. LVNV Funding LLC is not the original holder of this account and I, the consumer, did not enter into an agreement with LVNV Funding LLC. LVNV Funding LLC is attempting to collect on a debt that was sold to them for value and is furnishing my credit report without my consent. My explicit consent is necessary to gain access to my personal information, yet alone furnish my report. I have not given either company -- XXXX XXXX XXXX  my permission to sell my personal information nor did I give LVNV Funding LLC my written consent to access my personal information or furnish my report. As a remedy for violation my rights as a consumer, I promptly ask for a permanent deletion and removal from my credit profile within the stipulated time frame from the initial start of this complaint.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. I have attached my Police report that I have filed in my local police department and a FTC report that would testify that I am a victim of Identity Theft.
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report : XXXXXXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX I believe that the accounts listed above contain errors that violate several federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

First, regarding the XXXXXXXX XXXX account, I have reason to believe that this account has been reported in error. According to the FCRA, creditors are required to report accurate information to credit bureaus. In this case, the account has been reported with an incorrect account number. This is a clear violation of the FCRA. 

Secondly, the XXXX XXXX account has been reported as a late payment account. However, I have evidence to suggest that the payment was made on time. According to the FDCPA, debt XXXX are required to provide accurate information to credit bureaus. This inaccurate reporting is a violation of the FDCPA.

Thirdly, the XXXX account has also been reported as a late payment account. However, I have not received any notification of late payment from the creditor. This is a violation of FACTA, which requires creditors to provide notice of late payments before reporting them to credit bureaus. 

Fourthly, the XXXX XXXX XXXX account has also been reported as a late payment account. However, I have not received any notice of late payment from the creditor. This is a violation of FACTA. 

Fifthly, the XXXX XXXX XXXX account has been charged off. However, I have not received any notice of the charge off from the creditor. This is a violation of TILA, which requires creditors to provide notice of charge offs. 

Sixthly, regarding the XXXX XXXXXXXX XXXX charge off account, I have reason to believe that the amount listed is inaccurate. This is a violation of RESPA, which requires creditors to provide accurate information to consumers. 

Lastly, the two XXXX XXXX charge off accounts have also been reported with inaccurate information. This is a violation of FCBA, which requires creditors to provide accurate information to credit bureaus. 

I demand that these errors be corrected immediately in accordance with federal law. I also demand that any negative impact on my credit score be corrected and any associated fees and penalties be refunded. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.
Consumer complaint received 2017-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

See attached lette r Capital One took it upon themselves to become a reporting agency which they are not and instructed the credit reporting agencies to remove a closed account that was paid/good standing which has damaged  my credit report and credit history.
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (GA)

I am filing a formal complaint against Robinhood due to the unauthorized access and breach of my account that occurred on XX/XX/year>. Following the breach, assets in excess of {$8300.00} were sold from my account without my consent. Although Robinhoods customer service acknowledged the account compromise, noting logins from devices and locations not associated with my usage, there has been a concerning lack of follow-up and resolution from their end. 

It has been four weeks since the initial breach. Robinhood committed to return communication within one week after acknowledging the issue, yet three weeks have passed without any update or contact. My attempts to seek clarity on the status of my case ( Case ID : XXXX ) have been met with vague statements about the case being under resolution, but no further progress has been made to restore my funds or secure my account. 

The contradiction between Robinhoods verbal acknowledgment of unauthorized international access and the subsequent inaction to address the resulting financial loss is alarming. This breach, coupled with the insufficient response, has caused significant financial and emotional distress. 

I am requesting the CFPBs assistance in this matter to : 1. Prompt a thorough investigation into the unauthorized transactions on my Robinhood account. 
2. Ensure Robinhood provides a timely and transparent resolution. 
3. Review and assess Robinhoods actions and response protocols in dealing with customer account breaches. 

Your intervention is critically sought to hold Robinhood accountable for their actions, or lack thereof, and to ensure that my financial assets are restored.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first 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, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX Balance : {$630.00}
Consumer complaint received 2023-04-06
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. (NY)

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 2021-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, As the day it was last active, would affect the day it would naturally fall off. 
I have sent portfolio recovery many certified letters trying to get this removed from my credit report. Now they are no longer responding to my letters telling me I have already complained about the same thing prior. They said they would not do an investigation.
Consumer complaint received 2023-03-09
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.