davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (IL)

CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.
Consumer complaint received 2024-02-09
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. (CT)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1100.00} XXXX {$630.00} XXXX XXXX {$10000.00} XXXX XXXX {$1200.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$6100.00}
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NC)

In Mid XX/XX/2021 I applied for a secured credit card with Discover Financial Services. They approved me for a secured credit card, and I sent them my {$500.00} deposit for the secured credit card. Once they received my money, Discover Financial Services sent me via email a XXXX tax document to sign. I refused to sign this document because as I stated this was a secured card and I have had them in the past with other financial institutions without having to sign a XXXX tax document. They also would not provide a rational explanation for requesting this document other than for identity purposes. 

Therefore I was forced to close an account that was never actually approved because I refused to sign the XXXX, also they ask for this after they got my {$500.00} deposit. This is an important issue the deserved to be disclosed upfront in the application process. Finally I do NOT want my credit scored impacted because I had to closed account that was never actually opened from my perspective, reported to the credit bureau. But from Discover 's perspective they said I would have to close the account. I want my deposit refunded asap, as well as DFS NOT reporting this to any of the 3 credit bureaus.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have received a copy of my credit file and have requested a challenge over some months now and have provided the proper documentation to Equifax, but they have ignored me. I am a true victim of ID theft ; someone has tried to get employment under my name, and someone has tried to get apartments under my name. I have filed with the FTC and have filed my affidavit and provided the documents to the proper authorities. I have notified Social Security, and the proper authorities regarding this matter. I feel that I have been violated by not having a proper investigation. So, I have done my part according to law the XXXX isn't doing their part as far as defaming my name by just debt parking an item on my credit file without the name of the company and me not knowing what this is. SO, I would appreciate it if it was removed immediately before legal gets involved this is my final warning to Equifax.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dates of infraction : XXXX XXXX XXXXXX/XX/year> Reson for infraction : The statement was never received due to a change of Address Result of infraction : Account involved in litigation. Please remove it from my credit report until litigation is resolved
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC (CA)

Okay so I am a XXXX XXXX  XXXX veteran. I received a letter dated XX/XX/XXXX on XXXX XXXX. It says I owe a debt that was from my chapter XXXX bankruptcy. I try to Call the number XXXX and no one picks up. Then it says they are too busy but to leave a message and can not leave one at all. Last year I had another debt collector harass me and try to collect on this debt. I took care of this once I noticed it was on my credit report and sent in my chapter XXXX bankruptcy discharge paperwork to all crediting agency 's in XX/XX/XXXX my dispute was completed and it was changed from a collections to a chapter XXXX bankruptcy. So this debt was already tried to be collected on from another place. How this place Credit control LLC got my info from XXXX or whoever baffles me I took care of this a year ago. I am in the process of buying a house and if this agency hits me with a collections I will not be able to purchase my house two years after recovering from my bankruptcy. To make things worse I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX retired veteran. Credit control llc XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is trying to collect a collections debt that is not even on my credit report its like they made it up or something its insane I had my credit report fixed last year and it says it was discharged due to chapter XXXX bankrupcy. Please help me resolve this.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have received a notification that XXXX XXXX  ( XXXX XXXX ) has made a hard inquiry on my credit repot on XX/XX/2024 without my consent. I haven't shared my credit/social security with any company lately. Not sure where they got my information from. I would like to have the inquiry removed from my credit as I didn't authorize it.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Paid off statement balance in full on XXXX2024. Was charged an interest fee of {$74.00} two days after paying off statement balance. Called Bank of America and was told they would review the fee on XXXX2024. Received email declining to refund the interest fee on XXXX/2024. Called XXXX2024, spoke with an associate and was transferred to a manager XXXX who explained that this interest is for the accrued interest for that month, that is not included on the statement balance, and that I should have called for a payoff amount to be sure that I paid off the interest. This is not stated on any of their statements or in the app when you pay your credit card bill. I believe this is incredibly misleading, as I thought interest accrued for the month IF the balance was not paid off and I understood that I should not be accruing paid interest when I paid off the balance that month. Again, no where is this stated that I can find and I feel this is another way of squeezing fees/interest out of people, even after they've paid off the statement balance on your credit card.
Consumer complaint received 2019-10-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

According to Experian, XXXX, XXXX 's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

In XXXX of XXXX, {$500.00} was transferred from my checking account from Wells Fargo without my authorization. 
In XX/XX/XXXX, {$8000.00} was transferred from my checking account without my authorization. Numerous attempts were made to resolve this problem but were unsuccessful. 
I recently closed my accounts with Wells Fargo.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (FL)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from NELNET that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.
Consumer complaint received 2021-11-29
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} CREDIT XXXX {$1400.00} XXXX {$270.00} XXXX {$110.00}
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group (MI)

PHOENIX RECOVERY GROUP have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$680.00} {$1500.00}
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia XXXX and Federal Law Dear Sir/Madam, I am writing to you regarding an unauthorized inquiry reported on my credit profile by Synchrony Financial XXXX XX/XX/2022. I hereby express my explicit disapproval and denial of consent for this inquiry to be reported on my credit profile. 

The unauthorized inquiry conducted by Synchrony Financial lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. 

Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions.

Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes.

I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section 607, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports.

It is imperative that Synchrony Financial takes immediate action to remove this unauthorized inquiry from my credit profile within the next four days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law.

I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on Synchrony Financial 's part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2016-08-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

this is an ongoing complaint with Wells Fargo complaint # : XXXX. In there last response. I have provided them with Rental agreement and rent checks that were requested for the HAMP modifications in XX/XX/XXXX also as XXXX XXXX request proof of residency which I provided. Wells fargo has failed to respond to this undeniable proof. So can this be considered and admittance the deceived the Federal Government threw the HAMP program and XXXX XXXX in XXXX to obtain federal funded monies.Also after XXXX XXXX approved XXXX XXXX for the loan modification XX/XX/XXXX and asked for proof of residency which was provided he was then denied again Deception to a mortgage holder to cause this foreclose because of his age. In my opinion. Also Wells Fargo keeps ignoring the fact that after the loan modification approval XXXX XXXX XXXX XXXX would of been his primary resident which is all that should of been taken into considerations. Not the past.Also Wells Fargo refuses to provide ALL documents from both sides as requested. Why? Is this matter considered closed lawsuits can be filed.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

On XX/XX/XXXX my debit card was stolen along with some personal items. As soon as I discovered my card was missing, I immediately contacted my bank. This was XXXX if memory serves me correct. I also filed a police report with my local police precinct. I did forward the police report to my bank when I was told they were not going to credit my account the funds in question. Now my bank is telling me the police report is not enough proof for them. I have gone back and forth about this with my bank but they will not credit my account. These are the transactions in question.. 
1. XXXX XXXX in the amount of {$110.00}. I do not know anyone in XXXX and have told the bank this. This transaction posted on XX/XX/XXXX. 
2. XXXX XXXX in the amount of {$40.00}. This particular XXXX XXXX is about a mile from my house so the bank said since I live so close to this store, it was me. It was not me! 
3. XXXX XXXX XXXX XXXX in the amount of {$42.00}. This XXXX XXXX is on the other side of town from me. The two XXXX  posted on the XXXX. 
The transactions stayed in pending for a few days and the bank told me since I did report the card stolen so quickly, the transactions may not go through but unfortunately they did clear. I have done everything I know to do to prove I didnt make these purchases/transactions. I know this is not a lot of money to some people but it is to me. I have ALL the conversations and letters of dispute if you need them. I really hope you can help me with this. I recently went back to work from being quarantined for a week and I am struggling financially right now. Please help me. I tried attaching my documents but I had to get a new phone and not sure how to do this. But I do have it I can send. Im afraid if I try and download anything Im going to lose the information I have provided. My bank also has all documents.
Consumer complaint received 2024-02-09
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. (LA)

Reporting personal information to other companies without my consent, the law states 15 U.S.C. SECTION 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 REPORTYING AGENCY CAN FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Credit defamation : If I have false, inaccurate or derogatory Entries in my reports A personal assest of mine can be damaged and will deserve compensation by law. The inaccurate reporting on my reports are causing damage to my creditability. XXXX is reporting late every month is a major concern and is causing damages, inaccurate info also between all three Bureaus