davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I wrote to XXXX, the Executive VP at TransUnion stating that the credit reporting agency violated my rights as an American consumer by sharing my personal, non public information without my consent. 15 USC 1681 ( b ) Permissible purpose of consumer reports, clearly states that any consumer reporting agency may furnish a consumer report under the following circumstances and No Other. They need your written consent to add anything to consumer report if you did not give this authorization. There is also an exclusion, which states that reporting transactional data is, in fact, illegal. 15 USC 6802 ( a ) ( b ) Obligations with respect to Personal Information and 12 CFR 1022.3 defines Identity Theft as fraud committed or attempted using the identifying information of another person without authorization. Anything added to your report without written Consent is considered identity theft. 15 USC 1681 ( n ) Civil liability for willful noncompliance and in general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of. ( A ) and ( B ). And finally the Privacy Act of XXXX ( b ) Conditions of Disclosure.

On top of that, there are multiple inquiries on my credit report that should not be there. 15 USC 1681 ( b ) Permissible Purposes clearly states that if the consumer does not have an open account with the lender that inquired, they have to remove the inquiry OR send the documentation that they used to verify the open account. I also requested that they remove any address listed on my report besides the one listed on my letterhead, for they are Non-Mailable addresses and should not be there. In my letter I clearly stated that This information was obtained unlawfully and failure to act would make them liable. This letter was sent in XXXX, it is now XXXX, and in their response they claimed that they can basically do whatever they want and no changes were made to my report. This gross negligence has caused immense damage to my quality of life and has hindered my ability to pursue happiness. Willful non-compliance can easily be proven with record of the original letter, their written response, and their failure to comply. I request IMMEDIATE action to remedy this violation of my consumer rights.
Consumer complaint received 2021-12-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America credit card from XXXX8 was opened in my name. It went into collections to XXXX XXXX XXXX XXXX XXXX I was never given any mail or calls regarding this! One day about XXXX years ago I noticed my paycheck was much lower and found out my paycheck was garnished! And Ive been fighting ever since and have gotten know where!! Help!
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This involves Capital One credit card. About XXXX XXXX, I noticed some fraudulent transactions on my account.One example was a {$16.00} rush card fee for a credit card to be sent to another address.. I never asked for this.I called Capital One, perhaps a dozen times, trying to straighten this out. I spoke to agents, most of whom spoke XXXX with XXXX XXXX XXXX  and I could not understand much of what they said.So, I then asked that the account be closed. In about XXXX, XXXX I received an invoice in the mail, saying that I owed about {$90.00}. I paid this amount. 
On XX/XX/XXXX, I received a letter from Capital One saying I owed an additional amount ( {$170.00} ) ..I called them up and said how could this be, as the credit card was closed, due to fraudulent activity? The rep didn't respond in a straight forward way, so I asked to speak to a manager. This woman named XXXX ID # XXXX ( she refused to give her last name ) Spoke to me and it seemed that she disregarded anything I had to say .I asked her why an invoice wasn't sent to me, and she just said that I had opted out of mailed items. The gist of the complaint is that they charged me late fees of {$25.00}, and then {$40.00}. I said I never got an invoice for the amounts they mentioned. But, the manager just wouldn't respond to my complaints. 
I am willing to pay any legitimate chares, which I believe are about {$90.00} ... I want that {$16.00} fraudulent rush charge taken off, as well as the combined late fees of {$65.00} taken off also. 
I also feel that the company was not responding to my previous complaints due to the fact of my age, ( XXXX ).. I believe that they just want to accumulate late fee charges and don't care about anything else... 

I had their credit card for more than 10 years and never had a problem until now.. Please try to get Capital One to respond to my complaints in a rational manner.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (MO)

On XX/XX/XXXX, I learned that my checking account was locked by lending club bank via the chat feature while I was attempting to reset my online account password. The customer service representative declined to tell me why they locked my account and was told it had been escalated to management. 

On XX/XX/XXXX, I called twice to see what I needed to do to correct the situation and was not given any answers. 

On XX/XX/XXXX, I called and was informed they just needed a copy of my driver 's license which I promptly sent. 

On XX/XX/XXXX and XXXX, I still had not heard back and called again. On the XXXX they informed me that my file could not be opened and that they needed me to send via pdf, which I did. 

On XX/XX/XXXX, they responded to my email asking me to send the document again and I did. 

It's now the XXXX and I have yet to hear back and have failed to issue me a formal notice on why my account was locked in the first place. Each time I called I provided them with information including my date of birth, zip code, last XXXX digits of my social security number, etc. which should have sufficiently validated my identity.
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (LA)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Ally Financial XXXXXX/XX/2021 2. XXXX  XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/XXXX I want to buy a XXXX from XXXX they advertised that the only way to purchase on XXXX XXXX is to finance through citizen one bank, I input all my personal information and right away they tell you that you are declined, later I got an email that said that my identity can not ve verified and if you have a question to call XXXX which I called same date XX/XX/XXXX XXXX from customer service told me that the said the same to all applicants that way they have to call to finish the application my was XXXX I told that was unethical what they were doing and that I don't want to continue with the application and to don't report it to my clean credit ( I haven't have a hard enquiry in more than 3 years ) he agree and gave me a confirmation # XXXX today XX/XX/XXXX I check my XXXX XXXX and I see a hard enquiry on XXXX from Citizen one Bank I called them and they told that it was reported because I applied and I was declined I asked the declined reason and she said because applicant doesn't meet program guidelines, I asked what are the guidelines and she couldn't tell me. I told her that I was told that wasn't going to be reported that I have a confirmation # for the removal she didn't listen and told me to dispute with the credit bureau that they can not remove it, I told that they can and they should because it's illegal advertising and they can't tell all applicants to call them to verify that is unethical if you apply and fill requirements should approve on the spot. I want them to remove this enquiry from credit bureau because it will affect my credit for 2 years. My name XXXX XXXX, phone XXXX, address XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (LA)

I spoke to a representative that informed me on how to have my account put into deferment status. She walked me through the steps and told me that it was completed. Months later I received an email stating that my account was pass due, I then called into to the company again and spoke with another representative that reviewed all of the notes and informed me that all of the late payments would be removed due to their mistake but its still on my credit report.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KY)

My mortgage servicer, CMC mortgage, is refusing to cancel PMI on my loan despite the fact the current market value of my home has risen substantially. I have requested a broker price opinion ( BPO ) to have my home 's value documented and CMC mortgage has denied my request several times. I purchased the home in 2019 for {$320000.00} and put {$16000.00} down. My balance since then has been reduced to {$290000.00} and the fair market value of the home is now approximately {$380000.00}. At that value, my XXXX is 77 % which makes me eligible to cancel my PMI. Despite these plain, simple facts, CMC continues to refuse to let me get a BPO and cancel my PMI.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo Bank to report fraud about my account ( there are XXXX unauthorized charges that I did not make with the amount {$15000.00} USD ). They asked me so many questions and they said they cant verify my identification. I have to skip my work and go straight to the branch for XXXX hours .I bring my ID and everything they require. They told me they will call me back and the money will be back in my account from XXXX days. 
Its been a week already but I did receive any money back. 
They did not call me. They did not mail me anything. And they even blocked my online login account. 
Thats all my money to buy my new car but the bank dont want help me. 
I need some help please! I am so stressful. 
My english not too good I have to use google translate to write this for all night long. I hope someone here can help me please!
Consumer complaint received 2021-04-17
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. (NY)

I have this scam of inquiry on my credit report XXXX CREDIT/SCOTTSDALE Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP Experian Response below clearly they have no intention in investigating. Because how can I contact creditor with the information they have listed. Please help CFPB In accordance with the Fair Credit Reporting Act, entities You will need to reach out to the creditor who pulled the inquiry in order to get more information about the inquiry and the manner by which it was requested. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and answers to frequently asked questions, you may visit www.experian.com/blogs/ask-experian. Please note that you may submit your requests and/or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center at www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Consumer complaint received 2022-03-27
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: Social Finance, Inc. (OH)

Hi, I started getting outrageous charges on my credit card with this company after so many of the charges happened, I was alerted and I called and let them know it wasnt me. ( as some of these were charges in other countries being made ) the rep that I spoke to said he would close that card and send me a new one and resolve the charges. I asked a number of questions as he couldnt give me any answer to or what outcome would be and just assured me it would be taken care of. Its been 60 days, I havent received a new card and I these charges are still appearing and Im being shown Im late on my payments and I cant get through to the company. Every time I call, I get a automated message that says thanks for calling sofi, were away from the phones right now. This is ruining my credit score and causing it to report over the limit. There are several XXXX dollars of XXXX charges that were never made by me so online items that say XXXX are there a few times. I dont know what else to do to get this resolved. I have tried calling every time, I have a spare minute when Im not working and I can never reach anyone through chat or by phone. I would like someone to reach out to me so this can get resolved. I really enjoyed sofi, but this is unacceptable.
Consumer complaint received 2021-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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 2022-03-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (CA)

I filed for bankruptcy  in 2014 paid a pro tango amount of {$8200.00}. 
For the past years I have been paying Real Time Resolutions {$310.00} and I recently checked my credit report and that account has been closed. I don't know what to do or what are the next steps on trying to figure out what's going on.
Consumer complaint received 2021-08-26
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. (FL)

This account was also opened due to identity theft and disputed. The accounts gets deleted every time, then the following month is reports again on my credit report.
Consumer complaint received 2024-06-05
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Brock & Scott, PLLC (NC)

Violations of The Fair Debt Collection Practice Act and There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D XXXX XXXX XXXX ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation
Consumer complaint received 2021-12-13
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. (TX)

On XXXX XXXX, I sent letters regarding inaccurate and unknown items 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 items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. The account listed as XXXX is incorrectly reporting and causing me damages. The consumer agencies are required to report accurate information. Furthermore any account that is charged off with a balance due it should be returned to the consumer not the creditor. How is the consumer agencies reporting this account as a charge off? I would also like the documentation used to verify this information. This account is also reporting 3 different ways which means this account has not been properly verified as accurate. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Cellular Telephone/Paging Companies Wireless Telephone Service Providers Telephone Companies Account Status : Closed Closed Open Creditor Remarks : Collection Account Placed for collection Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Telecommunications/cellular Account Type : Telecommunications/Cellula Veer, or collect extension, Collection ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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