davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (MI)

I recently received a copy of my XXXX, Experian and XXXX credit reports, and I noticed some late payments posted on my credit report by the following companies : XXXX XXXX ( reported 30 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( reported 30 days late for XX/XX/XXXX ), and XXXX XXXX XXXX ( reported 30 days late on XX/XX/XXXX and 60 days late for XX/XX/XXXX ). These companies are in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT give you written instructions to furnish this on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

With that said, I am requesting the deletion of the above late payments from my consumer report. XXXX, XXXX and Experian are all in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ID)

My husband and I are getting divorced. I refused to sign the documents as he wanted to refi. I contacted Rocket Mortgage and explained the situation. Then XXXX XXXX  contacted me after the title company called to set up a notary. I again stated that we were getting divorced and can not make any changes until it is settled. They said they understood. Somehow he refinanced and received received {$68000.00}. The loan closed XX/XX/2021. Now Rocket Mortgage is contacting me to back date and sign. I told them what they did was non compliant and I would not be signing anything. I want them investigated especially my loan. I never signed and he should have never received money.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I have asked Synchrony Bank for your JCPENNEY to stop sending emails to my email address of XXXX for over a year and they refuse to stop sending this to me. This account belongs to someone that does not live in my home and I have no idea how they got my email address. This is an invasion of my privacy and her privacy as well. I know this lady from my son dating her daughter and she has no idea how to use a computer let alone my email address. I have sent them emails numerous times and I called them last month and got into an argument with them about my email address and her personal information being sent to me. I am tired of this happening and I wish they would stop it. If they don't stop I will seek legal action against them for the invasion of my privacy as well as hers. This person does not even live in the same house as me and they just need to do something now and not later. If you need a copy of the email I am receiving from them I will gladly attach one for you as I have quite a few of them saved in my legal folder on my computer and I believe I have a copy of the letter I have sent to them as well. Please get them to stop sending this to me and send it to the right person. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (LA)

1. On XXXX XX/XX/2022, I received a letter through the XXXX from a company identifying itself as NCB Management Services Inc . The letter claimed they were acting as a debt collector for a loan issued through XXXX XXXX, c/o XXXX XXXXt ( two banks I had never heard of nor have ever had any business dealings or accounts ) and were demanding payment of a -supposed- {$3900.00} debt. By the time I saw the letter it was too late in the day to call this company, so I waited until the next morning. 
( NOTE : The day before, I had received a disclosure letter from NCB that outlined their policies on collecting consumer info, etc. Since I had no idea what this was about, I had set it aside. ) 2. On XXXX XX/XX/2022, I called the number for NCB Mgmt. Serv. Inc. I spoke to one staffer, explaining the debt could not possibly be mine. I was then transferred to a woman identifying herself as " XXXX XXXX '' and claiming she was a supervisor. She insisted NCB had purchased the debt from XXXX XXXX, our phone conversation was being recorded and she wanted " to help me settle this debt ''. I informed her " they would not get a penny from me, because it wasn't my debt '' and promised I would get this resolved. 
3. After an online search, I obtained a phone number for XXXX XXXX  ( in Utah - I live and work in a different part of the country ). That staffer confirmed I did not have any loan connected with their bank and gave me a phone number for XXXX XXXX 
4. I then called XXXX XXXX  and spoke to a staffer there, who checked the info I gave her from the letter. She spent several minutes in this task. Then, she recommended I contact identitytheft.gov ( which led me to this site ). 
5. Next, I called the 2 local banks where I had applied for the PPP grants for my business ( and both those grants were approved for Loan Forgiveness ). One of the bank managers did some additional checking with their fraud department and she informed me this was a scam - instigated by people using the publicly available data on the PPP loan recipients to coerce those recipients to believe they still owed money to the PPP Loan program.

6. I was advised to put a freeze on my credit reports ( done ), and am now contacting this agency with my experience.

7. Initially, I was planning to respond to the NCB letter, but have now decided to ignore them.
Consumer complaint received 2021-08-27
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. (NY)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

Was a customer of Simple Bank. Parent company, BBVA, transitioned Simple Bank out and made Simple customers BBVA customers. Have not been able to access funds via mobile/online banking since XX/XX/2021 because I have not been able to enroll in online banking or speak with a representative over the phone.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I checked my credit report on Experian. To find a XXXX XXXX XXXX XXXX loan which I did not do. I have called XXXX SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the XXXX SBA. In regards of it not being me .Please advise
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

At this time XXXX XXXX heath services and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to XXXX  XXXX  XXXX  both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days Experian and with PROOF of XXXX XXXX XXXX has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

Tuesday XXXX XXXX a guy name XXXX @ XXXX XXXX. He contacted me as a family friend for help with a fundraiser he stated to pay under family and friends he asked me to send my email address. Next thing I know a payment for the amount he stated is already gone. Being that my Chime debit card is linked to my XXXX account @ XXXX the amount of {$540.00}. I sent him screenshot to ask how did he do this? He sent me a fraudulent shipping agency and a fraudulent tracking number. That's when I disputed with XXXX. I was informed the family and friends payment method is not under the XXXX protection policy. I sent information that verified that the information I received for my product was fraudulent. I don't understand how he can get into my XXXX without having my password. The Transaction was Not Authorized for XXXX. XXXX on XX/XX/2021. I filed a dispute with chime being that on the dispute form says Please complete only one of the sections below. I was unable to chose more than one option to explain this in totally of the situation.
Consumer complaint received 2022-09-27
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. (VA)

Hello my name XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible!
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

While shopping at XXXX on XX/XX/24 I was asked if I wanted to apply for their *rewards program*. Assuming this was like the rewards programs at grocery stores I figured it couldnt hurt. The lady working the register asked for my ID, punched in my info registering me for the rewards program and then asked me to sign the pad. After which she informed me that my credit card would come in the mail. At no point did she tell me she was actually applying for a credit card instead. At this point I told her I did not agree to open a credit card, and she basically said " Its done now ''. The lady next to me in line was going through the exact same thing with her checkout associate. Its clear that the store was using misleading language to sign people up for credit cards they did not agree to be applied for. I then spoke to the manager who also told me basically that its done and theres nothing they can do. My credit has been harmed by a credit pull that serves no value on a credit card that I do not plan to ever activate and had no intention of ever using. This will prevent me from leveraging my credit in an optimal way in the future.
Consumer complaint received 2021-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (IL)

I have contacted comenity bank ) Victorias Secret ) to please remove late/ missed payments from my credit bureau reporting due to Covid job loss. I contacted them several times in regards to this, and was unable even with a supervisor get anywhere. 
I am a single with XXXX kids receiving no support going through a divorce I was unable to feed my kids during the government issues with unemployment, somehow my information was incorrect and I had issues with switching to XXXX and received nothing until it was corrected. Can you please remove all my late payments as I was both exposed to XXXX as well as my state had a shelter in place.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On Wednesday, XX/XX/2022, I called Capital One in regards to a payment made on my account for my XXXX XXXX. I had made the payment a day earlier so that the funds on my card would be available so that I could make a payment on account that I was trying to avoid issues with, ( I am recovering from XXXX so my accounts have gotten behind. ) The first agent I spoke with, XXXX ( ID : XXXX ) assured me that he could release the funds on my card immediately after going through certain questions. After several minutes he advised he was having issues and needed another agent to assist. I was then transferred to XXXX ( ID : XXXX ) who promised the same thing that she could release the funds we just needed to call my Bank to ensure that the funds were there and the payment would clear. XXXX XXXX  XXXX confirmed the information with both of us on the line that the payment would clear the account and the account is active. After several minutes of putting me on hold, she also claimed to have issues but assured it could be done and blind transferred me to a senior supervisor ( as I was told ) by the name of XXXX ( ID : XXXX ) she abruptly told me it could not be done, there is no way to do so, no explanation except that they were awaiting the funds to clear. I explained to her my situation and and what I was promised and assured by the prior 2 representatives and the financial hardship that I would further endure. She offered no options, she lacked professionalism in the situation and refused to provide me documentation stating what I was advised and that it couldnt be done so that I could at least supply my creditors ( financial situation ) with documentation to see if any exception could be made on pending fees and liens. I asked if there was a manager or any higher ups who I could speak with since she declined what I needed nor provided assistance and she told me she would be the only person I could talk to and no one else could assist. This is unethical and honestly I believe to be illegal for a company to have agents promise, guarantee or assure a customer something can be done and then refuse to do it with out explanation or documentation to support the reasoning.
Consumer complaint received 2021-08-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-12
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)

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 # XXXX *XXXX XXXX XXXX XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-21
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: ALLY FINANCIAL INC. (GA)

I've contacted ally & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (FL)

I attended a workshop and applied for a NACA mortgage. I completed my application and they took my money, but I have not been able to get a hold of a single person at any point in time during this process. 
I have called, their phone doesn't even ring through. You get the initial answering system and then it hangs up no matter how many extensions you try. I have emailed, with no response. This has been going on for MONTHS! 

They took my money and ignored me. They are supposed to let you know if your application has been denied by 60 days after applying. 

This company is fraudulent and misleading and a scam.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently obtained my consumer credit report and noticed illegal reporting of accounts are being reported. These accounts go against my rights pursuant to 15 USC 1681 and 15 USC 1692. By law any accounts reporting in fruad shall be according to 15 USC 1681c-2 and the mere reporting of these accounts have damaged my general reputation.
Consumer complaint received 2021-07-10
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: WELLS FARGO & COMPANY (CA)

I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I haven't received any investigation results.