davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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. (AL)

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 XXXXXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX, Account # 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
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. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (SC)

I was double charged by wells Fargo not only for the storage auto pay but for my XXXX XXXX XXXX XXXX That's what they are forgetting
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a deposit to my bank, Bank of America on XX/XX/20. The deposit is from a checking account associated with my employer and the reimbursement account. I have deposited a check from this account to my account at the above institution for years in similar amounts. There has never been an overdraft or uncollectable funds issue. 
Although my account and my employers are in good status, I can even see the money came out of my employers account, the above institution insists an " extended hold '' is necessary causing me great financial difficulty and is putting my creditworthiness at risk as I HAVE BILLS TO PAY!!
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I am having problems with two of the three credit reporting agencies ignoring my justified request to remove a XXXX XXXX XXXX mistake, Trans Union and XXXX not only refuse to remove the item but refuse to even discuss its possible removal because the issuer is saying that its a valid claim still Just reiterate 10 years, California I think its three years but even if it wasnt theres a 7 year maximum. Additionally, XXXX immediately removed the item upon my request years ago. I have written both of them many many times over the years with no response and no have reached the point of contacting whoever I can for whatever assistance I can get to get this blight off of my credit. Thank you in advance for whatever assistance you can yield. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (CA)

Exeter finance charge off account I have been trying to get this account off my credit because I believe the bank didnt report a lot of payments I made on time which I paid 26 percent of this loan. I also made 49 percent of my payment on time but it doesnt show that I made any payment on time!. Under the fair credit act, section 604 this a violation. I request for this account be removed from my account. Also affecting me from applying for credit.
Consumer complaint received 2017-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear CFPB, I am writing you today because while reviewing my Transunion credit report XXXX File # XXXX ), I noticed several unauthorized inquiries being listed by Transunion XXXX. XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Transunion, all to no avail.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Greetings, I have reached out to Experian on two separate occasions my first letter was dated XX/XX/XXXX and the second XX/XX/XXXX. I provided them with a copy of my government-issued ID and my official W2 which has my social security number on it. Furthermore, their refusal to investigate after two requests is a direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to fair and accurate reporting of my credit report. It is my understanding that under the law they have 30 days from the receipt of my letter to verify the items questioned. It has now been longer than 30 days. This constitutes the reason for the immediate deletion of all items disputed from my credit report which were provided to in both letters. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me that the items have been deleted. You may send an updated copy of my credit report to my address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

On Monday, XX/XX/2020 I made an inquiry with Quicken Loans about a Cash Out Refinance. I said that I was researching. I said that I had 2 questions : What was the current interest rate? 
How much of my homes equity could I tap? 
I was Not explicitly asked if my credit could be pulled. I was only asked about my birthdate. Although I thought that was a strange question, I gave my DOB. 
Soon after, I got a message from XXXX XXXX that my credit was pulled. The next day, I found out that my husbands credit was pulled too. I only discovered this about his credit report because phone calls started to come to our home RE our desire to finance based on a recent credit check. Today, we received 6 pieces of mail about refinancing from other banks. QL had No authorization to pull either of our reports. Please correct this. Thanks.
Consumer complaint received 2017-09-22
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. (VA)

On XX/XX/XXXX, 2017, I transferred a balance from a XXXX XXXX to a XXXX card offering a better interest rate. By the end of the month it was shown reflected correctly by two of the three credit bureaus. TransUnion to date has not corrected the balance to the visa card, despite filing 6 disputes through XXXX and one filed directly with them. I have contacted my bank twice and they assure me that they are indeed reporting the update to all three credit bureaus. Since two have managed to report the change accurately, I believe my bank. Transunion meanwhile is reporting the transfer to XXXX, however is still reporting the same amount still owed to XXXX. Needless to say my Transunion score is about 100 points less because of excessive credit card use.
Consumer complaint received 2021-02-10
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)

I contacted TransUnion after reviewing my credit report in depth and noticing several inquiries which I did not authorize and do not recognize. I explained that I have had ongoing issues related to identity theft after I was impacted by the XXXX XXXX  data breach. I just recently resolved a fraudulent account that had been opened in XXXX as a result, and I am concerned that the unrecognized inquiries were made fraudulently. I would like the following inquiries removed. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2020-12-09
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. (GA)

Sent Transunion a dispute letter dated XX/XX/2020 requesting validation and proof of original contract with signature from original creditor of debt being reported on credit report. 

Sent Transunion a dispute letter dated XX/XX/2020 requesting that XXXX XXXX XXXX  XXXX account be deleted from credit report for not identifying original creditor name and phone number. 

Filed a CFPB complaint regarding dispute letters with the following dates not being answered too on XX/XX/2020. 

Transunion sent an receipt of CFPB complaint into dispute of account on XX/XX/2020 and stated that they would extend the investigation time and do a complete investigation. 

Received investigation results from Transunion on XX/XX/2020 stating that the account is verified and that it belongs to me. How is the account verified? How did you collect your information? What steps did you take to collect this information to verify it as accurate? Where is the original contract with my signature that validates this debt? 

By the Fair Credit Reporting Act it states that an original contract with a signature must be provided from the original creditor to validate a debt. 
Stating that a debt is a consumers without a signed contract does not verify the debt as the consumers. Any creditor can report a debt on a consumers credit report and say to the credit bureaus that it is the consumers. Where is the proof?
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I received an ad in the mail to apply for a credit card. I got an email on XX/XX/XXXX saying I was approved for a credit card and that I needed to call to establish membership. I called and they said that if it they did over the phone it would be another hard inquiry so they walked me through applying online. It asked for the same documents that I submitted with my credit card and the rep told me it would link up would just take 1-2 days. Turns out that didn't happen so had to call to get figured out which they placed me on hold for about 30 minutes to do? Finally my bank account was opened and just now I was called saying I would need to submit a new application? I feel like this is a phishing scheme to get my information at this point.
Consumer complaint received 2020-04-26
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: MECHANICS BANK (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Its been over XXXX  days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

All three credit reporting bureaus, XXXX, XXXX, and Experian, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

All three credit reporting bureaus, XXXX, TransUnion, and XXXX, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (IN)

Most recently, I received a letter from Synchrony datedXX/XX/XXXX, indicating that my request for a credit line increase could not be approved and directed me to contact XXXX for further details. Alarmed, my wife immediately called your consumer service ( XXXX ) on XX/XX/XXXX and spoke with XXXX. She than transferred the call to your Fraud Dept. where she spoke with XXXX. XXXX assured her that a block would be placed on the account to prevent further activity until I called. 

I then called the following day, XX/XX/XXXX and spoke with XXXX. XXXX indicated that the account had been closed. My wife called again XX/XX/XXXX to clarify the conflicting information. She spoke with XXXX who informed her that the account was in fact on hold and not closed. She assured my wife that I would receive a letter once the investigation was complete. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX further assuring me that, In order to protect the security and privacy of [ my ] account [ Synchrony would ] not allow any further charges on the account We were SHOCKED to receive a statement with a closing date of XX/XX/XXXX which shows a balance of {$4600.00}. Further, it reflects a transaction dated XX/XX/XXXX for {$3900.00}!
Consumer complaint received 2021-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (FL)

I have tried to contact Nationstar Mortgage, LLC many times in regards to the assignment of mortgage and wrongful foreclosure action. I attempted to contact Nationstar Mortgage via an error requestt letter sent certified mail on XX/XX/2021. Nationstar Mortgage, LLC has not responded as of XX/XX/2021. I am once again attempting to contact Nationstar Mortgage, LLC via an administrative procedures Act letter dated XX/XX/2021 in an attempt to allow Nationstar Mortgage, LLC to resolve issues in regards to the information and facts contained within the administrative procedures act without further litigation.
Consumer complaint received 2023-02-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Paypal Holdings, Inc (FL)

Since last XX/XX/XXXX I am trying to denounce the bank Venmo that they have frozen my account which I have with XXXX dollars and I can not use it thanks to them that they have not wanted to unfreeze it and my payments have gone bad thanks to them and I have generated debts Over time due to delays and non-availability of money and I have tried several times to send emails to which they always answer the same thing and they do not solve my problem. The phone calls are not answered, I really feel very affected and cheated by that bank XXXX I just want to get my money back and never use or suggest that bank to anyone again so they don't lose their money or the same thing happens to me
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, XXXX XXXX. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is CAPITAL ONE AUTO FINANCE, and all other pertinent information is within the letter. CAPITAL ONE AUTO FINANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently transferred a balance to Capital One and due to the fact that the balance transfer almost exceeded my credit card limit I asked for a credit limit increase and Capital One rejected my request. Their reason why they rejected my credit card limit increase was that my average monthly payment has been low. I feel that I am being mistreated and this level of unprofessionalism must be reported. I recently purchased airline tickets for about {$4300.00} and I paid that balance in full in XXXX. My FICO scores are ( XXXX XXXX -- -XXXX XXXX -- -- XXXX XXXX ). I have four Capital One credit cards with stellar payment history and I reject this level of reasoning from Capital One.