davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to California FCRA Identity Theft Fraud Laws Dear WELLS FARGO, I am writing to bring to your attention a serious violation concerning the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), California Civil Code Sections 1785.11 ( a ) and 1785.25 ( a ), and identity theft fraud laws, specifically California Penal Code Section 530.5. 

It has come to my unequivocal attention that WELLS FARGO has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as delineated in the FCRA, explicitly mandates that consumer consent is an absolute requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.11 ( a ), emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 1785.25 ( a ) of the California Civil Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as California Penal Code Section 530.5, underscore the seriousness of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WELLS FARGO to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing damage to my creditworthiness, and a disregard for federal and state laws.

I demand, with utmost certainty, that WELLS FARGO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Sections 1785.11 ( a ) and 1785.25 ( a ). Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WELLS FARGO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2022-08-05
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. (MN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MD)

On XXXX XXXX, 2015, I charged XXXX to my Citi Health Card account for vetinary services rendered at XXXX XXXX XXXX. I was to receive 0 % interest if the credit was paid in full ( do n't recall but between 1 1/2 to 2 years ). When I received my XX/XX/XXXX statement, I noticed an interest charge of XXXX. I called CITI to dispute the interest and was advised that XXXX XXXX XXXX entered the transaction wrong. They said that the veterinary center did not enter the promotion code. I immediately called the veterinary center and told them about the problem. 
The veterinary center called me back when they corrected the issue. I continue to receive finance charges despite numerous calls to CITI Health Card to resolve the issue.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (MD)

WELL, MY ACCOUNT WITH SEARS CITIMASTERCARD WAS OPENED BACK IN 2013 WITH AN ORIGINAL CREDIT LIMIT LINE OF {$5000.00}. NOW, FOR REASONS UNKNOWN OR FOR REASONS OUT OF SPITE OR DISRESPECT, MY CREDITOR JUST RECENTLY LOWERED MY CREDIT LIMIT LINE DOWN TO {$4200.00}?! NOW, WHAT THAT MEANS, IS THAT CITIMASTERCARD WILL CONTINUE CHARGING MY FEES FOR BEING OVER THE LIMIT AT NO FAULT OF MY OWN!! UNLESS I FILE BANKRUPTCY? I TRULY BELIEVE THAT CITIMASTERCARD ENGAGES IN USARY & CHACANERY & FRAUD!
Consumer complaint received 2024-02-02
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-05-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

I answered an ad on indeed about a caregiving job and then I was sent a check for XXXX I was then instructed to send XXXX dollars to Texas to help the family move their mom to XXXX NC from Texas the check they sent me bounced and they got away with my XXXX dollars o sent through money gram Ive contacted police and money gram and my bank no one would help me Ive been getting the run around from money gram and I cant file a complaint no one will listen to me please help me get my money back.
Consumer complaint received 2019-05-17
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. (MI)

I have a hard inquiry on my transunion credit report that is from XXXX from XX/XX/2018. I have not applied for anything through XXXX  and I need it removed from my credit report. I tried getting it off through XXXX  but it does not exist.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX  XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXXs online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Basically I opened my XXXX account back on XX/XX/2017 due to an offer they gave that was 12 months, no interest, same as cash. We had a couple of replaced parts on the account due to 2 dressers that were delivered and had damage. Some how, according to a supervisor at XXXX, the 12 month no interest status was removed " accidentally '' and they have no way to add it back to the account. I have spoken to several managers and sent secured messages to XXXX asking them to correct the issue. I have gotten nowhere! I told them the last time we spoke that I would result in contacting XXXX XXXX if they couldn't rectify my situation.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX, 2016 XXXX submited a credit inquiry on my behalf unauthorized. I found out about the pull on my credit as I am in the process of purchasing a home and going through the mortgage process. I did not know what " XXXX '' was, but 5 minutes of diligence turned up a result that it was PayPal Credit and that the CFPB had taken action against PayPal Credit for similar practices within the last year. They do not seem to have ceased making unauthorized credit inquiries and I am concerned about the impact it will have on my mortgage application process. I do not currently know the damage but it could be significant if the rates on my mortgage increase based on the decreased credit score.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (AL)

Allied Interstate LLC robocalls my number 3 to 5 times per day for the last 6 weeks about 5 year old credit card debt in which they do not own. 

Allied Interstate 's number ( XXXX ) shows up as SPAM on my caller ID and has called nearly 100 times just this month so far! 

I has asked for notification via mail, but have never received one. The FDCPA requires one be sent out within 30 days of contact.
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MN)

I am filing this complaint because I have reason to believe that a creditor called NAVIENT is retaliating against me for disputing 2 accounts bearing inaccurate and incomplete account information in my consumer reports through the consumer reporting agencies that they have furnished. Since I have been disputing over the course of 2 to 3 months to have them rectify the inaccurate and incomplete account information, this company has demanded full payment of loans I borrowed from them which amounts to {$19000.00} in which obviously I do not have to give in one bulk, and they are threatening to either sue, garnish my wages, and or take my income taxes. When this company was disputed initially, there was no comment on the account indicating that they had been disputed as seen on XXXX. I received the company 's threat via email and the date they wrote the notice was on XX/XX/year>. I am currently in default with the company, but I did intend to pay them back. I fell behind to financial hardship and I do not appreciate this company 's aggressive behavior. I was disputing inaccurate accounts reported on my consumer reports because I am trying to improve my life and my finances, and this company happened to be one of the companies that is currently furnishing inaccurate and false information in my consumer reports with all 3 of major consumer reporting agencies. It is prohibited by federally law for any creditor to retaliate against consumers for exercising their legal right to dispute any information they find to be inaccurate or incomplete in their consumer reports per the Fair Credit Reporting Act. It is our legal right as consumers. This company is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means- ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I recently demanded XXXX to remove the accounts that came back verified while still be inaccurate and incomplete on XX/XX/year> after I disputed to have the accounts rectified. Soon after this notice was sent, I received a letter directly from NAVIENT via email threatening to sue. I am aware that an account being removed from a consumer report does not remove the obligation to pay the creditor, but NAVIENT 's approach is aggressive and unfair. It is plain bullying.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (GA)

The Company Westlake Portfolio Management stated that they have the account from the American Car Center contract stated that they have had my account since XX/XX/2023 I did an account verification in XXXX along with a cease of communication in XXXX and this company is requiring me to make payments I do not owe and that they have been holding since XXXX. Violation of the fdcpa and the fcra and I want to be compensated
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (VA)

I received some correspondence dated XX/XX/XXXX from XXXX XXXX two weeks ago stating that XXXX XXXX XXXX XXXX Md. had referred my delinquent citations to them for collection. These five " citations '' were dated from XXXX ( XXXX through XXXX ). I did NOT travel out of XXXX at all until I received the XXXX XXXX in XXXX XXXX XXXX, so I knew these were false claims and a scam. When I have received citations in the past, they were sent within the week of the incident enclosed with a photo of my vehicle and camera location. I received nothing, as expected from XXXX XXXX. I contacted the XXXX Scam number and the gentlemen ( XXXX ) suspected like myself that this was a scam. He stated I would have had a bench warrant issued against me if I had not paid these " citations ''. He recommended I contact XXXX XXXX Police Department ( non-emergency number ) which I did. They stated they had no citation ( XXXX ) under my tag number and stated this was a scam. They said XXXX XXXX Police do NOT send delinquent citations to collection agencies. They recommended I contact Virginia XXXX and see if there were any violations reported by XXXX XXXX Md on my driving record. I contacted Virginia XXXX and they stated there were NO violations on my record from period XX/XX/XXXX - XX/XX/XXXX. I contacted XXXX XXXX and told XXXX that I disputed the citations/ fees and were going to report them to the XXXX. XXXX XXXX perpetrated a fraud and tried to extort {$220.00} from me. This is wrong and they need to be held responsible.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (MS)

For the last 6 days starting on XXXX XXXX they called 6 times, XX/XX/XXXX XXXX, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 5 times demanding payment on furniture account. We have repeatedly asked them to quit calling us so many times a day. Told them that what they are doing is harassment and intimidation. They keep asking when we can pay and I keep repeating when I have the money even though It never goes a month overdue. The payment is due the XXXX of the month and if not paid by then the harassing phone calls start. Most if not all the calls are from foreign call center mainly XXXX.
Consumer complaint received 2018-05-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (NC)

Trying to get pay off balance for a VA loan from Selene Finance and given conflicting answers and no follow up correspondence. I was told they can not send emails to confirm request was received as they monitor everything internally, so unfortunately they hold all access to information and you are unable to confirm its accuracy. Could not even produce amount of interest owed each day of loan. Our title office trying to conduct businesses with them have ran into several issues as well, such as being told no one monitors the fax anymore even though it is provided as an avenue of correspondence.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

LexisNexis risk solutions is reporting information on my report that is not mines i never gave LexisNexis permission to report anything in my report i also dispute information in they file was inaccurate but for some reason they still reporting under 15 usc ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsC ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] my right are bring violated i would like to also know that i gave them a written concent to remove all reporting they have as sage stream.
Consumer complaint received 2016-08-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

Caliber Home Loans states that they have provided us with a modification. 
I have not been provided a loan modification on my loan or property. Caliber has denied my claim and has continued to deny and drag our case.
Consumer complaint received 2018-05-31
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. (NY)

1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) Equifax Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries
Consumer complaint received 2024-04-28
Product: Credit 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: CITIBANK, N.A. (TX)

I subscribed to XXXX XXXX for a dedicated virtual machine ( server ) to house my XXXX  application, which is accessed by XXXX XXXX and by XXXX XXXX. 

XXXX has overcharged me for 3 years for services I did not use but their " support '' installed redundantly, did not lower the fee, nor refund for charges billed for unused services that they fraudulently created. All while their support crashed my server which could not be used by me or my XXXX XXXX XXXX continues to charge me after I terminated my subscription. 

I have disputed numerous charges. Citi always rules in vendor favor, in spite of my calling explaining the problem and sending documentation. 

After many attempts, I finally figured out the racket. " My '' bank has no incentive to support my claim; on the other hand, they have motive for rejecting my request. All recourse and argument is structured in favor of the vendor : -If Citi/VISA upholds the charge, Citi and VISA make money on the transaction -If Citi/VISA reverses the charge , Neither Citi nor VISA make money ; and, in fact, lose money.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/XXXX, I called Cavalry Portfolio Services about a collection that showed up on my report. They instructed me to contact XXXX XXXX XXXX and make the payment to them as they were hired to collect on their behalf. I called XXXX XXXX XXXX and the person on the phone said it was a balance of {$470.00}. I asked about a settlement and they agreed to receive {$310.00} after asking Cavalry for an extension. I was told this would absolve me from the debt owed after I called Cavalry and they said after the {$310.00} payment they would delete the tradeline from my credit report. As of today, XX/XX/XXXX, 7 days after the payment was made Cavalry updated the balance from {$470.00} to {$160.00} instead of {$0.00}. This means they lied to me on the phone and have began to report a balance that's not correct.