davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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. (TX)

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( XXXX, Experian and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: ID Analytics, Inc. (NH)

I have requested a security freeze on my account with the letter and necessary documentation on  XXXX / XXXX /  XXXX  . However I received notification stating that they were not able to read the document. I have once again sent a more clear picture of m y 2 f orms of ID on  XXXX / XXXX /  XXXX   however they once again denied my request stating that they could n't read my fax. I have attached copy of the fax that i have sent over as well as the confirmation page for the fax stating that I have sent the information and they have received them.     After this 2nd rejection to freeze my report I have called them multiple times to talk to someone at their office  0n   XXXX / XXXX /  XXXX   throughout their opening hours  XXXX  PDT ( 8 times to be exact ) and all phone calls went straight through their voicemail. On my   8th try, I left a voicemail and they have responded to my voicemail to discuss status. They informed me that information I have provided can not be read and that they will not be able to freeze my report unless I send in more information. As you can see on the attachment, you can clearly see the letter as well as the 2 forms of IDs that they have requested.
I still can not understand what is causing this hold-up of freezing my report as I have provided the requested information multiple times. I would like to ensure that this report is frozen as per my request effective   immediately.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received a proper notification, please provide the certified mail with the receipt with my signature on there stating that I received it.
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, Transunion., XXXX  and XXXX  are in  violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumers should be able to freeze their credit for free on XXXX, XXXX  and TransUnion. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
Consumer complaint received 2024-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I have made online transfer ( a ) in the amount of {$9900.00} on XXXX XXXX XXXX from my Chase Bank checking account to my XXXX XXXX XXXX XXXX account and ( b ) in the amount of {$5.00} on XX/XX/2024, from Chase Bank XXXX XXXX XXXX XXXX XXXX. 

I have asked Chase for Chase bank transfer number and reference number, which I provided to XXXX XXXX XXXX XXXX. As of today, XXXX XXXX XXXX XXXX did not find both transactions.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

In XX/XX/XXXX, I took out a federal subsidized Stafford loan. It says in Navient that it 's a variable rate, but I thought all federal loans were fixed? Anyway, the interest rate has doubled each XX/XX/XXXX this year and last ( XX/XX/XXXX and XX/XX/XXXX). Last year when I raised a fuss about it they told me Congress sets the rates, but upon further digging, Congress sets the rates for NEW loans. I do n't understand how they 're doubling my rate each year. I 've never missed a payment, so it 's not punitive. Please help.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

This Account was open XX/XX/2020 The Collection amount is {$620.00} it have been two late payment XXXX XXXX, saw it in my credit report and I never had open this account Credit Report Period XX/XX/2020 I call the creditor and they say is a cable company the company Name is XXXX XXXX # XXXX THIS COMPANY IS IN XXXX XXXX AND I LIVE IN New Jersey. 


I.C. SYSTEM, INC XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2017-04-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (CA)

XXXX was the financing agent, they gave financial advice, saying that I would easily be able to purchase the van immediately with their high interest loan, then obtain financing from the XXXX XXXX XXXX XXXX the next week, however when I went to the XXXX XXXX they said that I could not finance the loan because of all the add-ons had pushed the finance amount far above blue book. Over XXXX and permanently XXXX, only social retirement and my XXXX pension as income, I did not mean to spend as much as my house payment on a high interest car loan. I have been paying XXXX XXXX dollars a month for months and the principal is not even paid for yet and the van is depreciating rapidly, the interest payment seems to be {$360.00} per month so I can not address the principal. I knew the car payment was XXXX dollars, however I did not imagine that this was only the interest payment and the principal was never to be paid off, or I could have just leased a vehicle, I would never have gotten into such a bad deal as this!
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX has been sending me numerous of email for a account that I had with my ex wife.. she had me apply for a loan and promise to pay it after the divorce this debt belongs to my ex wife and should not be on my credit report.. I tried explaining but they keep selling the balance to a debt collection
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (KY)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I want XXXX XXXX to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you
Consumer complaint received 2018-03-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DC)

I received a notice from PNC Bank on XX/XX/XXXX, noting that I owed {$130.00} in " past due payments. '' If I do not pay this amount by XX/XX/XXXX, I will owe nearly {$80.00} in additional fees. 

There was no explanation for this " past due payment, '' and when I logged into my online account, it gave no indication that I missed any payments or owed {$130.00}. 

I called PNC Bank at XXXX, and they put me on hold for 45 minutes before someone spoke with me. The bank rep said he thought the amount was in error, saying that my financial product had recently gone through some kind of IT upgrade, which created a lot of similar problems with other customers. He told me I could probably ignore the problem. 

My problems with this are two fold : 1 ) Until PNC gives me something in writing saying that the {$130.00} payment was in error, I can't be confident that it really was. So, I have to continue to do my due diligence to make sure that what the telephone rep told me is accurate. This means following up with PNC, spending more time and energy in the days/weeks ahead. 

2 ) I spend almost an entire hour on the phone with PNC today ( the vast majority of it waiting to speak with the representative ). If I have to follow up on this problem, I will have to spend an additional hour. I've already escalated the problem and am supposed to get a phone call from another rep within 24 hours. 

If and when a consumer makes a mistake, banks almost always charge very hefty penalty fees. But when the bank makes an error, why doesn't the bank pay a compensation fee to the customer, for lost time and energy? A bank 's ability to create these kinds of headaches for consumers with no penalty feels like a major abuse of power.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

15 U.S. Code 1681, also known as the Fair Credit Reporting Act ( FCRA ), governs the access to consumer credit report records and how Credit Reporting Agencies ( CRAs ) collect and sell personal information. The FCRA 's purpose is to ensure that CRAs collect and use information in a fair and equitable way that protects consumers ' privacy and promotes accuracy. The FCRA includes several findings and requirements, including : Congressional findings The FCRA states that the banking system relies on accurate and fair credit reporting, and that inaccurate or unfair reporting can harm the banking system and public confidence.

Subchapter requirements The FCRA requires CRAs to use information properly and ensure it's relevant. It also includes compliance procedures, such as requiring CRAs to follow reasonable procedures to ensure the accuracy of their reports, and to allow users of consumer reports to disclose the report 's contents to the consumer. 
I dispute and want this off my credit report.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (FL)

{$2700.00} transferred by me via Western Union was not received by the recipient in XXXX. Attached is the bank account statement of the recipient that shows the Western Union deposits received by the receipient. A deposit of XXXX reais ( {$2700.00} ) scheduled for XX/XX/2021 is missing! 

I have written to Western Union and sent an appeal as they claim the funds were sent but have not provided proof
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.
Consumer complaint received 2024-01-29
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)

Subject : Urgent Redressal Required : FCRA and Privacy Violations by XXXX and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802. 

FCRA Violations by Credit Reporting Agencies : Experian, XXXX, and XXXX have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXX XXXX  ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXX XXXX to XXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. 

Illegal Disclosure of Personal Information : Furthermore, the actions of XXXX XXXX  and XXXX XXXX  in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. 

Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. 

Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. 

Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. 

Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (VA)

I have problem with my 2nd mortgage company. The house is still underwater. The payments have been in default almost 10 years. I got this 2nd loan originally from XXXX XXXX, but it was sold many times without my knowledge, Now SN Service Corporation owns it. I am current and have been trying to get my 2nd mortgage loan modified since XX/XX/XXXX, but SN is Failing to Process the Application in a Timely Manner. SN has never been processed my loan modification and instead wants me pay {$20000.00} upfront and double the monthly payment for 12 months then they will get me a loan modification. They violated loan modification law to demand me pay {$20000.00} upfront and over charge monthly payments. Now they scheduled a foreclosure sate on XX/XX/XXXX. I want them stop and cancel the foreclosure date immediately and get my loan modification approved and make sure I get best deal according to my case since the house is still underwater. I have sent all required docs to them more than 6 months ago. In short, the servicer simply doesn't review my loan modification in a timely manner. Thank you! 

XXXX XXXX Loan # XXXX SN service corporation XXXX ext XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2018-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX in XXXX Al reported/submitted/requested/added a Hard Inquiry on my credit report XX/XX/XXXX and XX/XX/XXXX that i did not apply for credit or an update or give permission to XXXX XXXX permission to do.
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Wells fargo has been fraudulently debiting my business account for $ XXXX since 2012 for a service that was never authorized. I contacted them about a year or two a go and they told me that they will remove it. I believed them and i moved on. I recently realized that there still fraudulently debiting my account for the {$10.00} fee called - XXXX XXXX monthly that i have no idea where it came from. I contacted wells Fargo again and this time i demanded that they investigate the charges and stop charging my account. They completed their investigation and confirmed the charges were never authorized and therefore fraudulent. I asked that they refund the $ XXXX they have taken from my account since 2012 and they said no they can only refund me {$120.00} for 12 months.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ND)

I tried calling and resolving this matter with all 3 credit bureau and was not able to have any success with the credit bureau The listed item is entirely inaccurate and incomplete, and represents a very serious error their reporting the purpose of filing a complaint with the Consumer Financial Protection Bureau is to have you to do a fully investigation baring my signature I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), that the credit bureau may be liable for willful may result in a small claims action against all company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The credit Bureau also stated to the CFPB that all information that i reported back in XX/XX/XXXX the information was not being reported on my credit report from XXXX XXXX XXXX and stated that i will be receiving another copy on my credit report but how is that true when i just uptrained another credit report my self and was sent out back in XX/XX/XXXX this is grounds for deletion and a violation of my rights I would like to have this via an online public press release all 3 credit bureau violated state law 15 U.S.C 1681 section 602 A. states i have privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions please remove XXXX XXXX XXXX AND ALL XXXX LOAN as is it a violation to state law with the reportion that is being reported on my credit report