davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (TX)

XXXX XXXX NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX/XXXX/2021 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand these unauthorized inquires be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX XXXX XXXX My information was impacted by the Equifax databreach and may have been exposed to the wrong person
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

I went to use my XXXX  XXXX credit card last week for a XXXX dollar purchase and was declined. I was confused because I just paid the balance off of around XXXX dollars. Call customer care and said they sent a letter XXXX XXXX which I never received and told me she access the info on why it was closed.. I never closed it.
Consumer complaint received 2021-12-17
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: Mr. Cooper Group Inc. (NY)

I XXXX XXXX NEVER GAVE XXXX, XXXX, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Consumer complaint received 2021-12-17
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: Supreme Lending (MN)

I had begun conversations with Supreme Lending in XXXX, MN and began to fill in a pre-application for them. I marked NO on their application for approval to run my credit score. 

There was a hard credit pull executed by XXXX XXXX XXXX XXXX XX/XX/2021. This hard credit check was not authorized. 
Upon contacting Supreme Lendings Compliance team, they provided two separate screenshots that did not show permission for running my credit : On Page 6 of the application, theres no signature.

On their provided screenshots, the images do not share what form is being referred to in relationship to eConsent,
and include an incomplete online form that doesnt show any connection to my information.

In addition, the IP Address shown maps to the middle of a lake in Kansas ( and not to my address in XXXX ) Source : XXXX XXXX XXXX Both of Supreme Lendings representatives ( XXXX XXXX and XXXX XXXX ) refused to do the following : Share which form Visual # 1 is referring to Explain what their eConsent permits their team to do, and Acknowledge what the lack of consent on Page 6 restricts them from doing.
Consumer complaint received 2021-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TN)

My FedLoan Servicing. AWFUL. I just want to know a rough estimate of payments for the next year. It's XX/XX/XXXX, and repayment plans will start soon and I have ZERO idea of how much my payments are going to be, or what my options are. I have currently been on hold for an hour and 30 minutes. 

How do they expect people to PREPARE to pay back a loan with NO information. It is awful. This is the longest I've waited on hold. I usually try the call back option, which never happens. What a scam. I can't believe the FEDERAL GOVERNMENT has done this to us. Making hardworking individuals jump through hoops to repay a STUDENT LOAN. It's crazy.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

These Accounts : ( XXXX. ) XXXX XXXX # XXXX. POSSIBLE FINANCIAL INC # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX I received an email notification of suspicious activity within my debit/checking account. I contacted Wells Fargo within one hour of receiving the notifications and confirmed fraud had taken place. The fraudster had gained access to my account and attempted to electronically transfer {$1000.00} plus take {$9800.00} from a line of credit. My accounts were closed immediately. I spent 90 minutes on the phone verifying my identity, being interviewed, and receiving instructions that I had to go in to a branch to have new accounts issued, which I did. It is now eight days later and Wells still has not returned the {$1000.00} that was attempted to be transferred out of my checking account. After several phone calls to Wells ( with wait times of over 30 minutes! ), I'm still being told that this process takes at least 10 business days or 2 calendar weeks to " investigate. '' This is ridiculous!! I can understand maybe up to 72 hours, but 2 weeks?!! I don't have an extra {$1000.00} to sit on while they " investigate '' what happened! They were notified with 60 minutes of the attempted transfer and thus NO FUNDS were moved -- this was not a wire transfer but rather an ACH transfer. I understand these are the " rules '' that they have 2 weeks to investigate, but come on, that's a bit excessive. All banks, including Wells, should be  required to be more efficient in their fraud processing because we mere consumers don't have the luxury to have our food and gas money tied up for weeks!!!
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my consumer report # XXXX on XX/XX/2021 and viewed my rights to privacy, invasion to privacy where violated. In addition no consent was given to report these items on my consumer reports. 

15 U.S. Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b The following are the items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AZ)

I have been unable to access my Coinbase account via the app for weeks now. I keep getting connection error messages. Their desktop website has been inaccessible as well. They have provided little to no help in resolving the issue other than sending me links to FAQs and asking that I reinstall that app ( which I have done to no avail ). In a cursory XXXX search, this appears to be an all-too-common issue, becoming very worried about the security of my funds.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-14
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. (FL)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
The complaints were sent to CFPB on XX/XX/2022 Complaint number XXXX And XX/XX/2022 complaint number XXXX These are the accounts still showing inaccurate 1 ) Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. You said you did a full investigation and that these items were XXXX person correct which looking at the report they are not correct. 

I have attached copies of credit report with inaccuracies highlighted in red and need these items removed immediately
Consumer complaint received 2022-02-09
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (GA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MD)

This is not done in error and/or third party. I consumer ( XXXX XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer JPMCB Card Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.
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. (NJ)

I value the effort taken to remove certain items from my file attributed to suspected fraudulent activity, yet there remain items that urgently need to be addressed. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance : EXPERIAN : XXXX XXXX XXXX XXXXXXXX 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 Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of XXXX or any form of automated verification.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

This XXXX account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank blatantly lied in my XXXX most recent complaints. XXXX and XXXX. They claimed " Fraud '' when in fact they were disputes. I submitted substantial evidence proving services were not rendered. The company I disputed against provided zero evidence and didn't even reply to my claims. TD Bank found in favor of actual scammers and refused to even contact me. They had no problem locking my XXXX year old account though with zero information given to me. This is so disgusting and abhorrent. Easily the worst service I've ever received in my life and now they're continuing to threaten me with collections but refuse to return my calls related to my disputes.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Makower Abbate Guerra Wegner Vollmer PLLC (MI)

I moved into a condominium association on XX/XX/2021. Because homeowner 's association fees are due on the beginning of the month, I believed the previous co-owner had paid for XXXX. Once I alerted the management company for XXXX XXXX that I had moved in, I received an invoice for XXXX. Our bylaws state we have the right to dispute and I did so. In the meantime, I verified that I did owe XXXX  dues and subsequently paid them. By the time the payment had been received, my account had been sent to collections and Makower Abbate Guerra Wegner Vollmer PLLC also began tacking their own fees onto what I owed. I have been making my regular payments of my HOA fees every month. In every communication with XXXX XXXX XXXX and the collection agency, I have disputed their fees. By our bylaws, any dispute should be sent to arbitration. I have received no communication as to how to begin that process. Instead, in XXXX I was told by the collection agency that the XXXX XXXX XXXX XXXX had denied my request for arbitration. Again, by the bylaws, a dispute and subsequent arbitration is a right, not a privilege. The collection agency has also denied my request to be provided any information regarding said denial, stating it is attorney-client privilege.
Consumer complaint received 2021-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/2021 I applied for an Ace Cash Express loan, and immediately cancelled the loan when I saw the repayment agreement.. The cancellation was acknowledged by a company representative. I then applied for a payday loan, which I received. Apparently, it was still the original loan. Now I am being billed {$98.00} monthly for several months, for a $ XXXX.loan. I don't know what to do.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy 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 DEBT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX FORMERLY XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX BANK/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I the consumer XXXX XXXX XXXX never gave any written consent to furnish this account on my consumer reports which is a violation of, 15 U.S. Code 1681b 15 U.SXXXX Code 1681 Also no original signed documents have been furnished 15 U.S. Code 1692g The account mentioned is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX