davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I took out loan from Navy Federal Credit Union and decided not to pursue purchase of a vehicle so called and canceled the loan with them. Everything was cleared up. Later I requested that they remove the open account from my credit report that showed a new open account in the amount of XXXX dollars. As of today 's date no action has been taken to restore my credit.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

For the past 4 years, Wells Fargo has been holding deposits longer then reported and not reporting their transactions through their online banking the way that they are processing them through their server. This has caused my account to go into the negative which then caused several overage fees. 

In XXXX of XXXX, my account was compromised and I was told that they could not prove that the disputed charges were not mine. That was all of the response I was given. 

Also, in XXXX of XXXX, my then XXXX year old daughter opened a checking account that was linked to mine. In XXXX, the month that she turned XXXX, she was then informed that she " Had to open a second account '' as well because now she was an adult and could not have an account shared with me. She did not know any better and agreed to having two accounts because she was young and did not know any better. They pressured her and she continued to have that account for four more years, paying fees and getting random charges. Then one day, the bank closed the account. No notice, No warning. Just closed it. Causing automatic withdrawals to be returned and her to get charged fees. This was roughly the same time that Wells Fargo was caught opening fraudulent accounts. This leads me to believe that they were trying to hide the fact that they created this account in the first place. 

I have called and fought countless times. When you ask the customer service representative to many questions, they repeatedly tell you that they are sorry your frustrated but never really give you a clear answer. When you ask that they elevate your call, the average wait time is 30 minutes. I am moving my banking but believe that this is an ongoing practice to increase fees for the bank. 

It is a predatory practice and one that needs to be recognized for what it is.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

American Express decided to give my credit debt to a third-party company ( XXXX XXXX XXXX XXXX XXXX. to manage due to a nondisclosed reason since the beginning of XX/XX/XXXX. I have been making payment plans with the agency to complete payments next XXXX, XXXX. American Express reported delinquencies on the three credit bureaus. I reached out to the customer service and other credit-reporting department representatives. Still, they could not find any evidence of delinquencies reported to the credit bureaus, nor could they help remove them. The delinquencies significantly affect my family 's credit, as we can not make any significant purchases now.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (TN)

I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency Credence Resource Management with a balance of {$180.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX  because  they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX XXXX  has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's experian 's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX XXXX XXXX. I opened an additional account with Bank of America on XX/XX/2022, and set up direct deposit from XXXX XXXX XXXX XXXX On XX/XX/2022 my employer sent my funds to account ending in XXXX. The bank have not released my funds in the amount of XXXX. My child and I need medicine and much needed supplies, do to me having covid. Also, I asked for a regular checking and they gave me a different checking acct. Which they didn't explain anything about the new product.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-01-11
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. (NJ)

I enrolled in a debt repayment program with XXXX in XX/XX/2018. XXXX XXXX approved my payment amount and participation in the plan on XX/XX/2018. Since then I have made on time payments to XXXX, and through them to XXXX, but XXXX is reporting that Im 90 days late. I have contacted the company several times and received no assistance whatsoever, even though everyone Ive spoken with agrees that their records confirm what Ive said.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (KY)

COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COMENITY BANK/XXXX has been sent a notice Sent out XX/XX/year> Certified mail receipt # XXXX XXXX XXXX XXXX XXXX XXXX They have not yet recovered in the mail I require COMENITY BANK/XXXX to answer and provide me with the following documentation : Provide the original instrument on the underlying obligation. Unless it's normal business practice for COMENITY BANKXXXX to restrict trade and performance. 

Who is the original creditor? If COMENITY BANKXXXX is not the original creditor, then I require COMENITY BANK/GXXXX XXXX  mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 

Provide the ( GAAP ) generally accepted accounting principles for this account. 

Provide a certified copy of the XXXX form prior to the initiation of this account.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have mailed Portfolio Recovery Associates , LLC with 2 separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, with them sending only statement from the company that they purchase a charge off debt, which is not validating the debt. I also sent them letters, requesting Portfolio to remove all 7 of the accounts that they have purchased as a debt buyer and to remove all 7 accounts off all 3 of my credit reports. I have never received any correspondence back from my original request & I still have not heard or receive my green card receipt from that company. I am requesting for Portfolio Recoveries to remove this off all 3 of my credit report due to.

CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means.

( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

( b ) False, deceptive, or misleading representations.

( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.

They have on my credit report that they are an attorney/ collection agency and have tried to take me to court in 2018. They have not been able to validate any debt, and a statement does not show proof that they are validating the debt. A letter saying that you purchase the debt from the creditors does not give them rights. They are also validating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies CFBB 1006.18 False, deceptive, or misleading representations or means.

61. Gross income defined ( a ) General definition Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : ( 11 ) Income from discharge of indebtedness ; CFBP 1006.2 Definitions ; ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to formally lodge a complaint against Wells Fargo for fraudulent accounting practices that have resulted in the misappropriation of my funds. Specifically, I have encountered issues with transactions involving XXXX XXXX. 

On multiple occasions, I have been charged {$45.00} by XXXX XXXX, which were subsequently refunded. However, these refunds were later rebilled to my account without any valid explanation. This pattern of refunding and rebilling appears to be a deliberate attempt by Wells Fargo to manipulate my account balance and extract additional funds unlawfully.

The details of the transactions are as follows : - On XX/XX/year>, I was charged {$45.00} by XXXX XXXX, which was later refunded. 
- On XX/XX/year>, the same amount was rebilled to my account. 
- This pattern repeated on XX/XX/year> and XX/XX/year>. 

These actions have caused significant inconvenience and financial strain. I request a thorough investigation into Wells Fargo 's accounting practices and immediate rectification of the erroneous charges on my account. I also seek compensation for any financial losses incurred due to these fraudulent activities.

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
Consumer complaint received 2022-05-20
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: Adler Wallach & Associates, Inc. (SC)

In accordance with the fair credit Reporting act XXXX  XXXX  Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. This ground for removal under : 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.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

I have a Chime account and has had them for over 2 years now. I use the account to pay bills. Now as of today XX/XX/2021, i received an email from Chime stating they are going to close my account on XX/XX/2021. The email did not provide a reason or an explanation. I called customer service and they couldn't do anything nor provide me a reason. 

Horrible company for doing this. Will not use them in the future.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Kindly dispute the XXXX that appears on my credit report, I'm writing. I have a court letter stating to the fact that this XXXX should not to be published. This situation gets worse by the involvement of an unauthorized third party.