davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NC)

On XX/XX/2022 I made a second payment on my credit card in the amount of {$570.00}. My available credit balance was not increase to reflect my true available balance until yesterday. 

After calling and speaking to three customer service agents at Discover, I was given false information when I was told that XXXX XXXX was holding the money that I paid to Discover via my checking account. However, yesterday I finally spoke with XXXX, a XXXX  with Discover who gave me great service and gave me the truth. He then referred me to the department that was responsible for placing an eight ( 8 ) day hold on my funds. No explanation was given to me as to why an 8 day hold was placed on my funds so that I did not have access to my funds that I paid. The representative who I spoke with told me that my payment was flagged for verification but she did not tell me why. Also, I was never notified as to my money being held for 8 days. 

Because I check my numbers and accounts everyday I was aware of the hold and my available balance not increasing for 8 days. No credit card company or financial institution should be allowed to do this to a consumer who pays their bill on time with an explanation. Therefore, I am filing this complaint against Discover card for suspicious behavior that could have caused me great harm had I been in a situation where I needed my funds.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IN)

On XX/XX/XXXX, XXXXI had filed a claim with BMO ( {$20000.00} ) with a police report stating that XXXX  has took my money and refuse to give it back after a bet was made that resulted in to a VOID. The police stated it was fraud. On XX/XX/2022 I got a letter stating the charges of {$5000.00} came back valid. Today is XX/XX/2022 I have been requesting this information and still have yet to get it. Im not sure what type of claim BMO filed but theres no evidence of XXXX refunding my money or that the game didnt end in a TIE. I believed the customer rep put that I didnt authorize these transactions and thats not. THE POLICE REPORT CLEARLY STATE THE FACTS. So XXXX was suppose to close the claim on XX/XX/2022 Ive been calling all last week and there was nothing updated BMO stated they still havent heard back for the rest of my claim. So today XX/XX/2022 they are stated they got the evidence.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I had a credit card with XXXX XXXX  for a XXXX XXXX. I charged a {$40.00} to this card number online. Gap instead charged a new account that they opened in my name with Barclay 's bank. Barclay did not send me the credit card and refuses to send me a card, and says that if I don't pay this bill ( without an account number ) by XX/XX/22, they will charge me a late fee and interest, and that I must give them my bank account ( checking ) account number, social security number, address, birth date, and everything they need to steal my identity. Barclays will not actually give me the account number so that I can pay my bill myself. XXXX will not move the charge to a different card. ( XXXX ) I never agreed to open a credit card with Barclays, ( XXXX ) I never charged anything to the Barclays card ( only to the XXXX card ), and ( XXXX ) both Barclays and XXXX refuse to give me the account number or to remove the {$40.00} unless fees are paid under a blank check. 

The XXXX account ends in XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-21
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. (NY)

according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting zero if one compnay is reporting zero all of them should report zero
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (AR)

I just received a debt collection letter from First National Collection Bureau inc trying to collect a Credit Card debt from XXXX. I don't have an account with XXXX I've never received a bill from them, I've never applied for a XXXX, nor have I gotten a bill via email from them. This is the first thing I've heard of this debt. I sent them a letter today as instructed by their office stating that this debt wasn't mine and I wasn't responsible for it. Also, this is the third complaint I've reported to the FTC about identity theft.
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

XXXX or XXXX of 2023 Wells Fargo bank account was closed after consumer complained about XXXX dollars missing from account. The bank went several years back asking for receipts for previous claims filed or reversed charges from merchants and or current businesses I had relationships with documents was provided and investigations was supposed to be performed. Nothing was heard back from XXXX. My XXXX dollars was taken As the consumer I received unfair, deceptive, or abusive treatment that was financially damaging My access then was closed and I was told theyre breaking my relationship with Wells fargo
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (FL)

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 Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have 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 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-10-13
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. (NC)

I waited 60 days to get a response from this company to only get back a response that clearly proves they did not do a reinvestigation at all. I asked them to delete two accounts nothing more after 60 days they responded back they did a reinvestigation on all 7 accounts. Where did the other five accounts come from or better yet who are they responding too? Their time is up now and I demand that the two accounts I asked them to remove be deleted.
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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)

I HAVE SENT THEM MAIL OVER AND OVER THE LAST YEAR ABOUT REMOVING THEFT ACCOUNTS AND INQUIRIES THAT ARE NOT MINES. 

i EVEN TOLD THEM ABOUT THE CARE FAIR ACT AND NOTHING REMOVE. 
I HAVE SUBMITTED EVERYTHING AND STILL NOTHING REMOVED.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (FL)

I recently pulled my credit report from XXXX AND EXPERIAN AND XXXX, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from XXXX and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( EXPERIAN, XXXX, XXXX ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )
Consumer complaint received 2022-07-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I have called for PMI Removal because my house value has gone up. After 2 calls someone put me in the system to get a letter about how to remove it. The letter came, but the final appraisal cost PHH Mortgage said to get rid of PMI was way above the 22 % threshold to cancel based on my current loan amount. I called them for clarification why the XXXX was more than 78 % my loan balanced and was told I can only email the 'PMI removal dept ' which is actually just the main customer service email. I emailed them about the 'PMI Removal department ' and my situation and received an email from regular customer service saying they 'forwarded my message to PMI Department ' and give them 10 business days to respond ... That was XX/XX/XXXX. It's now XX/XX/XXXX and I've emailed and called PHH Mortgage several times but they indicate they can only 'forward my request to the PMI Department ' ; give them more time, give them more time. But they will not give me a name, contact, or email of anyone actually from the PMI Removal Department as if it doesn't actually exists. I suspect PHH Mortgage is dragging out my request so they can keep charging me PMI and have put up road blocks like faulty laying out the XXXX threshold and then pretending they are 'working on responding '. It's been very frustrating, I hope you can help.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

CFPB Write up n 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 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

Three times I've formally requested LexisNexis to remove addresses which have never belonged to me. Three times after waiting 30 days, LexisNexis has verified these addresses using themselves as the source of verification. This violates my rights to a fair and accurate credit report. They know a reinvestigation can not be them using the inaccurate information they themselves house. 

Enclosed with this complaint, please find a copy of their reinvestigation stating the means they used to verify all these inaccurate addresses along with a copy of my Texas Driver 's License and a bill. Both have my current address ( I have lived here for more than 20 years ) ; this is the one and only address I rightfully and legally should have on file with LexisNexis. 

All other addresses on my LexisNexis report are to be removed immediately.
Consumer complaint received 2024-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MI)

Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Credit Control , LLC, I am writing to formally dispute an alleged debt that has been reported by your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt, as I have no recollection of any agreement or obligation to pay the amount claimed.

Please provide the following information to validate this debt : 1. The name and address of the original creditor ( XXXX XXXX, if applicable ). 
2. The name on file of the alleged debtor.

3. The alleged account number.

4. The address on file for the alleged debtor.

5. The amount of the alleged debt, including any fees or interest added.

6. The date the alleged debt became payable.

7. The date of the original charge-off or delinquency.

8. Whether this debt was assigned to your company or purchased. If purchased, specify the amount paid for the debt.

9. The commission for the debt if collection efforts are successful.

Additionally, I request copies of the following : 1. The agreement or contract that grants your company the authority to collect this alleged debt.

2. Any signed agreement that I have made with your company or any verifiable proof that I have a contractual obligation to pay this debt.

3. Any other agreement bearing my signature wherein I agreed to pay this debt.

4. All statements for this account while it was active.

5. Any insurance claims made by any creditor regarding this account.

6. Any judgments obtained by any creditor regarding this account.

Please also provide the name and address of your bonding agent in case legal action becomes necessary.

You are required to return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your rights to collect this alleged debt, within 30 calendar days from the date of receipt of this letter.

If you can not provide the requested documentation, I request that the alleged debt be removed from my credit report immediately, as I am exercising my rights under the FDCPA.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

i have disputed with equifax several times by mail and online i have even called equifax.They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX  XXXX  report and its not on there at all so that means equifax is false reporting and i want it removed. 

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Consumer complaint received 2022-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I refinanced with Freedom mortgage on XX/XX/XXXX. I got a tax bill from XXXX XXXX regarding a tax delinquency in XX/XX/XXXX stating taxes for the first and second half of XXXX are unpaid. I have called the servicer 3 times since I received the tax bill. 

On each call they claim my loan is not in escrow ( while my mortgage is in escrow ) You are required to escrow FHA loans - then promise to make the correction. They verify my escrow balance on every call and they continue to give a time frame in which the situation will be resolved. 

Till date, the taxes are still unpaid. I am trying to avoid a tax lien on my home.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

My account was paid in full. I called in advance to get the balance prior to paying it off. I paid the entire balance due as reported by their automated system.My credit report actually show a XXXX balance as of XXXX. There have been no subsequent charges on this account.I was charged a finance fee after the account was paid off. So in my opinion the company is not accurately providing the balance to the consumer. I have never had this happen before when paying off a credit card even when previously paying this one off. Furthermore they have started charging late fees. They are assessing fees on a fee. I was under the impression that fees were assessed on past due balance last not fees.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My name is XXXX XXXX and I am filing this complaint in the name of XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX She is XXXX XXXX XXXX with signs of XXXX and XXXX  related XXXX XXXX. She and my brother were married over 40 years when in XXXX of 2021 both got XXXX. My brother died, his wife survived XXXX bouts of XXXX and nervous breakdowns. She is unable to XXXXXXXX XXXX XXXX and will often forget vital information when anxious such as her address and name. She is currently receiving social security assistance due to her diagnosis. 
While she has family she has no estate and income other than government assistance. On her behalf, I tried to resolve the debt 's left by my brother after he passed and asked capital one to stop harassing her with daily phone calls and threatening letters and calls. She just does not have the money to pay them back and while I am prepared to go to court if they attempt to sue her, I am concerned at the price she will pay emotionally if subjected to court action. 

currently, she receives food stamps, daily XXXX assistance from social security, Medication for XXXX  XXXX stability and other medication to address XXXX  and other health problems.