davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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. (VA)

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. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (NY)

Again, I was the victim of identity theft and this is my numerous request to block or remove the information in my credit file resulting from the alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item not later than XXXX business days. Ive already included this report in a previous letter & I am including it again. Also, the information you provided on this item is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-28
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. (MD)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-28
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)

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. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.
Consumer complaint received 2022-03-23
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. (MO)

On XX/XX/XXXX of 2022 An attempt was made to resolve inaccurate information on my report. It is now XX/XX/XXXX, of 2022 I have been taken advantage of due to malpractice while being in violation with FCRA guidelines. This has caused me hardship and hurt my ability to obtain credit.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

My account was overdrawn by a couple dollars and i was hit by not one but two overdraft fees and when i called customer service i was rold " there was nothing that they could do ". Since there was nothing they could do the account was left with a XXXX dollar balance as i had no choice but to pay the overdraft fees to keep the account from closing and the account still was closed due to the XXXX dollar balance.
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Fraud Victim Assistance Department Dear Sir or Madam : This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included inaccurate information in my credit profile. Due to its damaging effects on my good credit standing I have been wrongfully denied credit. Credit reporting laws ensure that bureaus report only accurate credit information. This inaccurate information is a mistake on either you or the reporting creditor 's part. 
With the proof and proper documents that I'm attaching to this letter, please remove all negative items from my credit report. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have also received letters from Equifax and XXXX detailing my information was found in their data breach. I have received notifications from XXXX and XXXX that my data has been found on the Dark Web, along with my mailing address being found on USPS mail forwarding system. I was not receiving mail for some and received confirmation from the USPS that my mail was set up for mail forwarding. I immediately contacted USPS and notified them I never consented to my mail to be forwarded to another address. I did not authorize any of the following above. Items I am disputing do not relate to any transactions that I have made or authorized. I have also attached a copy of the notification from XXXX of my email being compromised. Theres a name listed on the notification as well. Please remove this information at the earliest possible time please. 

XXXX XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX XXXX, WA XXXX Account # XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-01-21
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: Bread Financial Holdings, Inc. (MO)

XX/XX/23 - got an email alert from XXXX that Comenity/XXXX made a hard inquery on my credit report XX/XX/23 - received a letter in the mail from Comenity Capital Bank that my XXXX  XXXX XXXX application was being held up until I called them to finish the application process. I did NOT apply for this credit card, someone else applied for the credit card in my name fraudulently XX/XX/23 - I contacted XXXX to dispute the hard inquiry on my credit report and also had them put a fraud alert on my credit report and had them freeze my credit report. 

I plan to contact Comenity Capital Bank from the letter they sent and have them disregard the credit card application
Consumer complaint received 2022-11-11
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. (NY)

EQUIFAX HAS FAILED TO SUPPRESS THE INACCURACIES ON MY CONSUMER REPORT AND I HAVE SENT THEM DOCUMENTATION THE FTC REPORT AS WELL AS FURTHER DOCUMENTED PROOF OF FRAUD AND THEIR INVESTIGATION WAS UNSUCCESSFUL IN DELETING THE INACCUARCIES THIS HAS CAUSE ME EXTREME AND SEVERE HARM LOST OF EMPLOYMENT AS A CONSUMER AND HAS NOT ALLOWED ME TO EXTEND MY CREDIT.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XXXX  XXXX XXXX XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Consumer complaint received 2022-12-01
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. (GA)

In accordance with the fair credit Reporting act XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 XXXX
Consumer complaint received 2021-12-29
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. (NC)

I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to XXXX, XXXX and Experian for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.
Consumer complaint received 2021-12-29
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. (NC)

I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to XXXX, Equifax and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank lowered my credit limit to {$500.00} from {$700.00} on XX/XX/XXXX as the letter stated. At that time and even now, I have never been late with paying on that credit card. After I called to resolve the issue, the agent would not even tell me why my limit was lowered and I had to search my email for the reason. The agent also told me there was nothing that could be done to get my previous credit limit back accept run my credit again to see if it would be approved. The agent ran my credit again and I was denied to get my original credit limit back or anything higher
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I attempted to refinance my mortgage with Wells Fargo. The payments are up to date, just trying to lower the rate. 

After 4-5 months and numerous emails, phone calls back and forth for information, I got XXXX in mid XXXX. I wrote an email to the person handling my refinance application and told her to give me 2 weeks. They wanted a form regarding my living trust that owns the house. On XXXX XXXX, XXXX rec an email stating my lock on the rate was extended to XXXXXX/XX/XXXX Before this I sent them the info they had requested but when I called to inquire, I was told the supervisor had closed the application in early XXXX since I had not responded. They said the supv had not seen my email about the XXXX and there was nothing I could do. I asked they return to monies paid for the appraisal and they refused. I spoke to their management office about this. I was called back and they said they could not help me, even though he had seen over 100 emails to and from the bank over 4 months. By coincidence I have spoken to several other people that have had the same long and drawn out experience with the bank. The bank requests the same documents over and over, they draw out the process after you have paid for the appraisal. No one ever gets their money back.
Consumer complaint received 2021-12-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Once again XXXX is in violation of my rights as a federally protected consumer. On XX/XX/21 XXXX hired a towing company and gave them my personal home address to come and repossess my car. I did not give my authorization to share my personal information and repossession is illegal pursuant to 15 USC 1692e ( 4 ).
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

On the evening of XX/XX/XXXX I checked my bank account and I noticed there were unauthorized transactions in the following amounts : {$98.00} {$58.00} {$130.00} {$98.00} {$9.00} {$98.00} {$98.00} {$100.00} {$100.00} That is a total of {$800.00} from the same merchant back to back to back. I called and reported this fraudulent activity to Wells Fargo Fraud department. The representative I spoke with filled out a claim and submitted it on my behalf. On XX/XX/XXXX I called the fraud department to follow up on my claim and was advised that there was no error found during their review and I would not be reimbursed for the amount of unauthorized transactions. I asked to speak with a supervisor because this absolutely blew my mind. I have been a customer of Well Fargo since XXXX and I have never had an issue so imagine my surprise the one time I have a major issue and they determine it is in fact no issue. The charges are completely outside of my spending patterns. The bank failed me twice  : first by not flagging the suspicious activity and allowing the amounts to continuously be drafted from my account right after another, and second by failing to perform a full review and clearly see this is clearly fraudulent activity. I in no shape or form should be expected to be okay with the no errors found result of the review. I did escalate and requested a second review on XX/XX/XXXX and as of XX/XX/XXXX my claim is still under review. Wells Fargo Bank has a long history of misleading their customers and not treating them fairly and this is no exception. I am requesting my funds be returned to my account by XX/XX/XXXX. Please reach out to me if any additional information is needed to refund my account. I will be closing all of my accounts with Wells Fargo once this has been handled and I have been refunded. Thank you.
Consumer complaint received 2021-12-28
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-04-10
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: CBC Companies, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights!

Un

der Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose. Please update the following accounts as Paid, Never Late. 
XXXX XXXX  # XXXX
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION (FL)

On or about XX/XX/2021, I called to activate a debit card recently sent to me by my bank. Since banks and investigators are seemingly letting this problem run rampant, this process of cancelling one debit card or account to receive another has become a punishment myself and other bank clients have to quite frequently go through. And each time I have to complete this action of cancelling my business debit card because my account was compromised, I never have my EIN available, so I have to verify that I am the authorized user in some other way besides this, and normally this is not a problem. However this time when I called, I was treated in such a way where I could conduct no business, and I do not think I or anyone deserves such treatment, especially in such an unprecedented era such as this, and especially on XXXX, a day of " goodwill toward men. '' If the criminals in these investigations are never going to be brought to justice, I see no reason why banking customer service representatives need to be rude, condescending and almost disrespectful to clients who are simply in need of the help that they are not only supposed to be given, but are in fact paying for through the myriad of fees we as clients have to endure, even in the hardest of times. When I called XXXX and spoke to " XXXX '' and his supervisor " XXXX '' ( or " XXXX '' ), they were so discourteous and rude, that a normally routine conversation was untenable and nauseating to the point where I felt soiled after speaking to them. If " customer service representative '' is going to be their official job description, then in order to correct this situation and see to it that no other clients feel as disrespected as I did, I propose that these representatives simply learn the definition of their employment title, if they are in fact happy about HAVING employment. " Customer service '' means you are there to respectfully and courteously take care of my needs, the client. " Representative '' means that while on the phone with me, your client, you are the voice of your company. If going back to reflect on the call that I made to " XXXX '' and " XXXX, '' I do not believe that the unpleasantness that they displayed on a recorded line " for quality and training purposes and customer assurance '' puts a good face on the company that I and thousands are clients of, and perhaps if they know the definition of their employment title, there will be no excuse the next time they fall short in customer service excellence. But hopefully there will not be a next time.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I entered into the mortgage forbearance plan that was offered due to covid with the understanding that payments missed would be added to the end of the loan. At the end of the program I was sent a letter asking me to agree to a short sale or a deed-in-lieu of foreclosure. I am not going to agree with either one of those options. If I wanted to lose my home I wouldn't have even bothered with applying for the mortgage forebearance program in the first place. What kind of scam is this? I found this to look like a scam since they were not honoring the mortgage forbearance plan that the government said that they needed to provide. 

I am prepared to make the mortgage payments I used to do before the covid forbearance or better. 

I believe that the actions they are taking are predatory since my home has a good amount of equity. I need some assistance talking to these people to put the loan into a normal status and so they don't take my home from my kids and me. 

Thank you for your help Mr. Cooper Loan # XXXX XXXX
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB (FL)

Hello, I wanted to submit a complaint on the company, Klarna. I recently purchased two monitors from XXXX and used Klarna 's XXXX product during check out. Klarna advertised their service as " no impact to credit '' and no interest payments for my purchase. 

I liked this option because I knew in the next few months I would be purchasing a new home. I didn't want to use a form of credit that could potentially impact my score when the mortgage lender did their underwriting. Klarna 's seemed like a perfect fit. 

My mortgage lender is currently in their underwriting process and pulled a copy of my credit report. A " hard '' inquiry is showing from Klarna XXXX XXXX for the purchase. 

In chatting with an agent, they are stating that the " no impact to credit '' does not cover the monthly payment option that I choose. However, their website here clearly says differently ( not to mention its all over their website ) : https : //www.klarna.com/us/customer-service/does-klarna-affect-my-credit-score/ If this information would have been clear to me in the beginning, I would have chosen a different payment product or option that did not impact my credit.