davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (PA)

As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. XXXX, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains undisclosed, as supported by 15 USC 6801. This statute declares the Congress 's policy that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information.

The entity providing information to credit agencies, considered a financial institution under this title, is governed by 15 USC 1681, section 604a ( 2 ). This section specifies that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the respective consumer. To emphasize, the financial institution and the consumer reporting agencies, XXXX, XXXX and Experian, lack my consent and written authorization to disclose this information. 

Referencing 15 USC 6802 ( b ) ( c ), it is stated that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. Unfortunately, the entity providing information to credit agencies failed to inform me of my right to exercise this option. Furthermore these institutions have been given notice of me exercising said option of nondisclosure.

Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. The adverse item being reported without my consent violates this law, as does 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), which prohibits furnishing inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX, XXXX  and Experian appear to be falling short in maintaining these reasonable procedures as these accounts have been disputed with each of them multiple times.

Also, 15 U.S. Code 1681c states that Except as authorized under subsection ( b ), 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.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (PA)

Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( XXXX, Experian XXXX XXXX ), because when I first reported these inaccurate accounts to them, the three ( 3 ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, XXXX has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item? 

They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting. 

Thank you.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Kindly review the attached documents. I ask the bureau to commence an investigation into these accounts, as I am consistently on time with payments, yet they inaccurately depict me as late.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I want to report transactions that I look at in my accounts, I kept all those papers for my files, but do not check because I had confidence with Wells Fargo Bank a few months ago. Using transactions I noticed quite a few transactions of the bank which charged things exaggeratedly high, I demand the institution clarify those charges, which I only received a letter where they are not responsible or offer me an explanation for the high penalties they gave me, which exceed more Of {$200.00} dollars in consecutive dates day by day, demanded my money and an explanation.
Consumer complaint received 2024-01-09
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (VA)

I opened a XXXX financing account on XXXX in XXXX of XXXX  and ordered a XXXXXXXX XXXX XXXX  XXXX with this financing on XX/XX/XXXXXXXX  under order number # XXXX. This was successful. 

The financing account I was offered and approved for is a revolving line that can be used anytime on XXXX 

On XX/XX/XXXX, I attempted to purchase another device with the XXXX XXXX I was approved for, and the purchase initially went through. But canceled shortly after about 20 minutes later. This was their response " Thanks for your recent order # XXXX. Were really sorry, but weve cancelled the items shown below because we couldnt verify some or all of your payment information. '' I placed the order again after verification, and the same issue happened. I've placed a total of 17 order independently, with XXXX Representatives over the phone, and verified information that has not changed with countless representatives. 

It is now XX/XX/XXXX, and I have been in communication with an escalation manager who said she would fix the issue, as it's an issue with their system, and has nothing to do with me. 

I received an email from this representative today stating that the final reason they can not process my order order, is because their system has identified that I can not place orders on their website? Also stating this aligns with their risk protocol and that their primary concern is security. 

This is absolutely unacceptable. The only reason I have a credit line with XXXX is to be able to purchase from XXXX. The financing is only able to be used online, and there is absolutely XXXX reason why " security. '' I was also told that I should request a credit line increase due to the option I had to split the payment method with another card during the initial orders. I requested it and was denied. 

This experience has led me to conclude that they are engaged in illegal Consumer Lending Fraud, and Deceptive Lending practices under " TILA and Regulation Z '' For a large company and lender to offer a consumer a revolving credit line that is limited to be used only on their website, approve the financing and the first purchase. Then later state that the consumer can not purchase online due to a fictitious claim of security, and leave the consumer stuck with a unusable credit line that the company is profiting from is not right, and illegal under regulations. 

I am looking for compensatory damages due to the impact this will have and has had on my credit report. I would have never opened a credit line with a company such as XXXX if I knew this was how they treated their customer and credit line holders. 

They've lied and said the reason was my credit limit, my information being different although nothing has changed, told me it was my bank who had the issue, that is was a linking account issue, and now that it's a security issue. They are liars and I will include all documentation as attachments.
Consumer complaint received 2024-01-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation (CA)

( Bridgecrest ) all XXXX reposted vehicle that I bought, in which they sold me a faulty vehicle..was willing to settle with company but they have track records of class action lawsuits and settlements for fraudulent activitiesand which Ive tried contact XXXX number on file which isnt active
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX sent me a promotional offer for a credit card. 
I have applied because the promotional offerred said it was going to be a soft inquiry when I was applying. 
My credit score is great close to XXXX and they still denied me for any credit limit. 
Now I noticed a hard inquiry on my credit that it is going to stay until XXXX and this is not right. 
Why would you send a credit offer to me if the company can not approve my credit and why would the company lie about the inquiry they are going to put in my shoulders.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX they stolen {$360.00} they never refund it to me any time I dispute a transaction with customer they always mess with Lock my debit card take money whenever they want today I dispute a transaction on XX/XX/XXXX for {$2.00} another transaction for {$23.00} still pending with out my knowledge they Lock my debit card I'm about to pay for my groceries l real can't they stole to much from me I'm leaving pay check to check please do something enough it's enough. Sincerely. XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (TX)

My credit is being ran at several car places and credit card companies from XXXX XXXX XXXX 
I reported my identity theft info to the proper authories but nothing has been done This is hitting my credit hard and Im trying to fix my credit and there are over 50 inquires from all types of financial banks for car loans that I didnt approve
Consumer complaint received 2024-01-11
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. (CA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of 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 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OR)

I trust this letter finds you well. I am writing to address a matter of concern regarding my credit report, specifically the presence of late payments that I believe are inaccurately reflected. I am seeking your assistance in rectifying this issue promptly. 
Upon thorough review of my credit report, I have observed instances of reported late payments that, to the best of my knowledge, do not accurately represent my financial history. I am attaching supporting documentation, including proof of on-time payments during the periods in question, to substantiate my claim. 
XXXX XXXX XXXX XXXX I understand the importance of accurate credit reporting and its impact on my financial standing. Given the potential consequences of these inaccuracies on my creditworthiness, I kindly request that you conduct a comprehensive investigation into the reported late payments. Subsequently, I urge you to take the necessary steps to either remove or correct the information on my credit report. 
To ensure transparency and keep me informed throughout this process, I request regular updates on the status of your investigation and any actions taken to address this matter. Your prompt attention to this request is highly appreciated, and I look forward to a swift resolution.
Consumer complaint received 2016-12-24
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I lost my work do to closing all the XXXX campuse I am having difficaulty with my mortgage therefore I am trying to get help from keeping home California they requested monthly statement for my mortgage and the servicer refuse to send them to me I have been in contact with them since XX/XX/2016 and they first told me they will fax it within a 2 hour then I called them XXXX and they said its in a process it takes 48 hour to 3 days I called them on XXXX and requested to speak to a supervisor and I have been told the supervisor will call me and nothing happened I was receiving statement from previous servicer and this new servicer are damaging my getting help from keep home California they refuse cooaperating with me. 
please help me I have lots of health problem I do n't want loosing my home on top of my difficault time. 
Thank you XXXX / XXXX
Consumer complaint received 2016-05-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I was working out a loan modification with specialized loan servicing.Who was given the loan by XXXX.The amount that i owed was XXXX whenI received the paperwork the amount of XXXX I called them and they said mail in the statement from XXXX which i did the amount was never corrected by them.I have been paying my new mortgage amount on time every month.Can they legally just charge me for something i do n't owe? Do I have to get an attorney or who can get to help me with this situation.I am not sure who i can turn to at this point.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (AR)

XXXX illegally charged me overage charges even though I never went over the limit. I disputed it with XXXX at the time but later they sold or gave it to Pinnacle XXXX.
Consumer complaint received 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I signed up for a loan with Affirm in XX/XX/2021 to pay for a college course with the company XXXX that was partnered with XXXX XXXX. 

I called customer service within the return period the first XXXX weeks, XX/XX/2021 into the course. Since the company that sold me the course was based in XXXX, I received their customer support line, and each customer service representative promised to have the salesperson called me back. This went on for 30 days. I tried calling the sales representative who sold me the course but the phone number was disconnected. I entered several help tickets to get a refund from XXXX in their help site. I made cals to follow up on the tickets and each client service representative told me they were escalating my request, only no resolution or follow up was ever completed. 

I contacted Affirm to tell them about the fraud and they opened up an investigation. They never heard back from the vendor - XXXX and did not process a refund as well. 

I contacted the Educational vendor again and asked for a refund again, and was told it was escalated and sent to their billing department for a refund. I was denied the refund as they now said it was ocer the refund period, since 4 months had now passed by since the original purchase. 

I disputed the charge again with Affirm and they denied my dispute. 
I entered several client support messags during the first 30 days of the course for a refund which there should be a record of in XXXX client service database, and they have ignored every attempt to check the audit trail as they do not want to return the money. 

In addition, I have asked affirm to defer the loan, and they refuse to do so. 
This is an educational loan and should be eligible for deferrment. Currently, I am out of work and can not pay it. The total of the loan was XXXX dollars plus interest. 

I would like assistance, in closing out the existing balance of the loan, and going after XXXX for not responding to me to refund me during the refund period. They purposely ignored my requests for a refund until the period for the refund was over. I was told someone would be getting back to me on 30 individual calls I had with different members of customer support in XXXX. I tried calling all hours of the day, to be on the same time zone as XXXX working hours. Affirm did nothing to help me dispute the charge and recognize that this payment was frauduent and that the vendor did not act in good faith. They should not be allowed to give out student loans as a buy now pay later company if they do not follow the same rules as XXXX XXXX and other financial institutions that allow deferrment of student loans and refinancing. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

They never refunded me all the money they kept XXXX dollars my cousin has call bmo in regards to his check and they refu to send him back his check and they haven't made no attempt to return it to the bank or nothing what's going to happen with his tax money and u guys want to close the case