davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 2021-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc (GA)

I received notice about 2 months ago that the name on my account with Chime does not match IRS records. The IRS has my maiden name, but my legal name ( on my ID ) is my married name. They said they were sending me something to fill out and send back. It took several weeks to arrive, and I filled it out and returned it the next business day after I received it. All it said was that if I didn't send it back by XX/XX/XXXX, my account would be subject to withholding. 

A few days ago, I got an email that my XXXX XXXX account was closed. So I tried to log into my account and my entire account was closed. So I immediately emailed their customer service. It took several days, but they responded and told me to send them a copy of my marriage license by email and they would reopen my account within 5 business days. So I sent it to them immediately. 

Another several days went by and they just emailed me again saying they need me to send in the W2, which I already have. Now my direct deposit is not going to go through, because they didn't reopen my account like they promised they would. 

I have already proven my identity, and that my legal name IS the same one on my account, but they are asking me to change the name on my account to the one the IRS has, but that is no longer my name! If I change the name on my account, they will no longer cash checks made to my legal name. I know this, because my stimulus check was issued to my maiden name and Chime refused to cash it because it wasn't in the name that's on my account. I do not want to fraudulently use a name that is not my legal name, as they are asking me to do. 

I also tried to call them earlier. Their system detected my phone number and said, " We see your account has been closed. Please email our 24/7 support. '' But I've already done that and they are taking DAYS to respond each time. At this rate, it will be months before anything is resolved. And they're insisting the name on my account NOT be my LEGAL name!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2023-08-11
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. (FL)

I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a notification on my credit report indicating that there was an inquiry on my report from Capital One. I called to check the application service, there is an application pending for credit card, which I never applied. So I believe my identity was compromised.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

capital one has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

XXXX XXXX XXXX # XXXX last reported Trans XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type Trans shows Open, XXXX  shows Collection ; XXXX XXXX XXXX XXXX Last Active transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 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 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/21, USAA put a hold on our checking account. We have been unable to access our account since. Today is XX/XX/21. We have over {$2000.00} in that account that we need to pay bills, use for everyday living, and prepare for XXXX. We are having to go into the negative on a different account and pay multiple insufficient fund fees because we can't access our USAA account. We have called USAA every day this week and have waited 2+ hours each day trying to speak to a real person. This totals over 15 hours on hold just this week, and we still haven't spoken to someone who can resolve this for us. We have spoken to a couple of people who say they can't help but will transfer us ; then we are back on hold for multiple hours. As I write this, we are still on hold and have been waiting for over 4 hours today alone!! This situation angers us to no end as we head into XXXX and the XXXX XXXX. How are we supposed to pay for everything when we have no access to our money?? We need IMMEDIATE help to get to our money!!
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (RI)

Hello, One day I check my credit report and notice I had two medical bills in collections. So, I call them and see if I can give my insurance information to them, but they said that my medical denied paying them because they were not reported with in the year XXXX give to report a claim and that I would have to be on a payment plan and that it's my reasonable to pay them back. So, I called my insurance to see what I can do to handle this because I'm on a low-income medical plan thru XXXX and that I don't have the money to pay them back. My insurance said it was against the law to ask me to set up a payment plan because of the plan I'm on. Also, that should not be receiving any medical bills, so they gave me your number to contact you to help me handle this and get it out of collections.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lawson Hamilton & Associates (MO)

This company, LAWSON HAMILTON AND ASSO, shows I owe a XXXX  agency {$670.00}. I remember this visit, from years ago, and I paid out of pocket in full. It was a terrible experience and XXXX never forget the visit. Since then, the actual company is out of business. The company name was " XXXX XXXX XXXX XXXX XXXX XXXX ''. I paid everything that day and owe them nothing. 

So when I saw this on my credit, on XX/XX/2022 I called Lawson Hamiliton and asked for some sort of detailed billing. Maybe I'm wrong and do owe it, I'm human. But I'm pretty sure I don't own the out of business a penny. They told me they don't have anything to show me. Nothing to validate this is real. 

So I decided to dispute it. I called up XXXX  and spoke to someone who put the dispute in for me. I told him in detail about this charge. I asked for some sort of proof, validatiaon, nothing. Well nothing changed. I feel this is a violation of the Fair Credit Reporting Act ( FCRA )
Consumer complaint received 2021-12-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card was used to purchase many items, including cash without my permission or knowledge XX/XX/XXXX {$57.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$14.00} XXXX {$54.00} XXXX XXXX  XXXX XXXX XXXX {$54.00} XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$31.00}, {$100.00}, {$72.00} XXXX  {$10.00} XXXX XXXX  XX/XX/XXXX {$51.00} XXXX {$10.00} XX/XX/XXXX {$100.00} XXXX  {$10.00} XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX {$12.00} XXXX {$2.00}
Consumer complaint received 2024-02-22
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
Violation # 1 XXXX XXXX XXXX - XXXX HARD INQUIRY XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 
Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 
Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 
Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (WA)

Date of Issue : XX/XX/2022 Location : XXXX XXXX XXXX I was propositioned to attend a " no obligation to sign up timeshare presentation '' for XXXX hours. I was repeatedly told that I did not have to sign up for anything. My personal information ( social security, address, date of birth and income range ) were required for this presentation to receive their " gifts and best rates '' Their gifts were XXXX tickets to the XXXX XXXX. 
XXXX pulled my credit history and opened a credit card in my name without my written or verbal consent. XXXX and XXXX showed a hard pull and a new account. I received a physical credit card for {$4500.00} from XXXX Bank and a letter declining to open a XXXX  Rewards card through XXXX. I had to file for Identity Theft to resolve this issue. 
The business used my personal data without my consent to open a fraudulent credit card. This impacted my credit score and my credit history negatively.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-22
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. (DE)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I received a phone call from XXXX ( XXXX ) XXXX letting me know they were from the fraud department at Wells Fargo, they verified my identity as they already had most of my information, I asked for verification I was talking to Wells Fargo and they provided me with their name ( XXXX XXXX ) and reassured me the number they called from is the number on my bank card. They let me know that due to their fraud concerns they would have to freeze my card unless I was able to sort it out over the phone then and there. They proceeded to go through some of my bank statements with me to make sure it all looked legitimate, they already had access to my account as I only provided my Name and phone number, they verified my account numbers with me, without me providing them. I did provide a pin as they said they required that. Because I was having a personal emergency I let them know this was not a good time and I would need them to call me back. I then saw that two wire transfers had been made and asked what had happened and he said that was the fraud and the money would be sent right back to me. He let me know they would call me in a few hours to finalize everything. Immediately I knew that phone call must have been the fraud. I immediately contacted Wells Fargo. One wire transfer was for XXXX, and the other one was for XXXX. I did NOT authorize these wire transfers. I then received an email about 30 minutes after the call saying that my debit card had been authorized for XXXX XXXX and connected to a new XXXX under the name of XXXX XXXX device. I also did NOT authorize that.
Consumer complaint received 2021-12-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (LA)

1. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
2. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
3. XX/XX/2021 the loan modification process started and I was notified that the process took 45 days to date no action has been taken by Freedom Mortgage.
Consumer complaint received 2021-12-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am reaching out in reference to an account on my report that XXXX XXXX has furnished. Under the FDCPA, a closed account can not have a late payment on it. That is a violation!!! Furthermore, I mailed in a dispute letter on XX/XX/2021 asking to furnish the original contract with my signature showing where I as the original creditor signed off on this. I never heard anything back. XXXX  days later, I sent in a XXXX  Day Demand of XXXX, and still never heard anything back. Under the FCRA, the failure to provide me with the documentation I requested is an automatic deletion from my credit report. Aside from that, being that no one responded back within XXXX days with nothing- under federal law that is also automatic deletion from my credit report! At this point, I will be seeking litigation if this account is not deleted because there have been way too many violations occurring as the consumer and original creditor. 

Account Number : XXXX
Consumer complaint received 2021-12-18
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. (RI)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( XXXX ). Reports must be in accordance with Consumer
Consumer complaint received 2021-12-18
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. (RI)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (SC)

In XX/XX/2021, upon inquiring for potential loan on a home, a mortgage loan officer sent a detailed email with my credit scores, creditors, account numbers, account balances, charge offs, collections, basically all personal details of my credit to me and blind carbon copied a real estate agent on that same email. 

I obviously couldn't see the blind carbon copy initially. So upon revisiting the real estate agents office, she pulled up the email from the mortgage loan officer and showed me that she had been copied in the email and discussed it with me casually. I was taken back that she had all that information about my personal credit. 

I can forward the email but would rather do so upon request as it contains personal information.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was XXXX  for 19 years, and XXXX on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. XXXX, transnational, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.