davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. XXXX XXXX XXXX XXXX has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXX identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX XXXX XXXX attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark.

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using XXXX
Consumer complaint received 2019-04-16
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. (NY)

Experian has been inaccurately reporting my XXXX account with late payment history. I have taken steps to resolve this matter with the company directly and have had no success. This also took place with my XXXX and XXXX files but the error was immediately corrected. I have supporting documentation from XXXX directly and am requesting the error be corrected.
Consumer complaint received 2023-11-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

The company is threatening to do an initial credit reporting of a medical account PRIOR to sending me the required validation notice. They are refusing to allow me the required time that a consumer legally has to dispute the debt or any portion thereof. This came directly from a manager. She was upset about me bringing up my rights and immediately stated that they were going to report to initiate credit reporting because I am disputing the debt.

Also, one of the supervisors was trying to bully me into paying my boyfriend 's debt. He has 3 or 4 accounts in their office. I refused. She violated his HIPAA rights and also violated the FDCPA regarding third-party disclosure.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX/2023, i signed up online for a fifth third checking account with the promotional coupon code for {$350.00}. On that day i was able to access my account via app all night with no issues so i initiated a {$500.00} transfer from one of my current bank accounts to the new fifth third bank account which was processed on XX/XX/2023. I called customer service on XX/XX/2023 and they told me i would have to send in documents to access my account by going to a branch near me when there is NO branch near me and i repeatedly told the agent that. In order for me to access my account after me sending {$500.00} to the new fifth checking i suddenly cant access my account and they trying to keep my money without returning it. I am willing to take any legal action i can because they are NOT about to keep the {$500.00} i transferred to the account. I wish i never signed up PERIOD.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with TransUnion, XXXX, and XXXX. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with TransUnion, XXXX, and XXXX for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter. 


I have also took the liberty of writing United States bankruptcy court here in XXXX DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Date : XX/XX/2018 Amount : {$2500.00} Actions : I transferred the money to my friend on the Bank of America mobile app. This transaction is through XXXX. My friend 's account is in the XXXX XXXX. The Bank of America mobile app requests me the name and the phone number of the opposite side person. I gave the information about my friend. But my friend didn't receive the money. 
What I tried to do : I asked Bank of America to refund the money. They told me they finish the transaction. They contacted the XXXX XXXX. XXXX XXXX said they received the money, and they can not refund the money. But the XXXX XXXX also said the name doesn't match, but the money still goes into the account along to the phone number. Bank of America said they transferred the money relies on the phone number, it doesnt care if the name that I gave is matched or not. But they did request me the name of the account, and XXXX XXXX said the name does NOT match, so they should NOT transfer the money. I also contacted the XXXX, they told me they can do nothing for it, and they encourage me to ask help for the Bank of America.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023, I initiated a wire transfer of {$10000.00} to a XXXX XXXX account to purchase an item. Shortly after sending the funds, I realized it was a scam. The person used a photo editing tool to make it appear he was in possession of the item for sale, when he wasnt. 

I notified my bank, Chase, immediately. They recommended I contact the recipient bank ( XXXX ). I then visited my local Chase branch, and the manager advised they could initiate a recall of the wire transfer. 

On Monday morning, I contacted the local XXXX branch to whom I wired funds to advise them of the wire fraud. A gentleman at the bank advised me that the account was flagged, and that the funds were frozen. 

I am now waiting for XXXX XXXX  to return the funds so that they can be placed in my Chase account.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX ( Bank ) XX/XX/2023. Thank you. XXXX XXXX
Consumer complaint received 2019-09-22
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (CA)

On XX/XX/23 I made a payment from my XXXX XXXX  account to my BMO credit card. I received a confirmation from XXXX  that is reflected on my checking account statement with a payment ID of XXXX and a XXXX  of XXXX and BMO insists they didn't receive the payment. I could NOT resolve this with them after numerous attempts. 

BMO says there's no record of it and so I called XXXX who has confirmed it was paid and confirmed it was deducted from my account. BMO has sent this to collections given me a late payment fee and this has hurt my credit score. 

BMO just sent me a letter that said I have a past due amount of {$270.00} instead of a payment of {$300.00} and I was forced to pay {$570.00} or have more late fees. 

Since just before the merger/takeover of Bank of the West with BMO I have had almost continuous problems with getting late mailings/not getting credit for my payments. I can prove each payment has been made each month on time. They will not accept any proof that I have offered and they keep promising when I make a payment that this time it will surely go through correctly.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (ID)

I settled a debt with Nissan Motor Acceptance. The settlement was handled and process through a 3rd party, XXXX Solutions. The account originally charged off in XX/XX/XXXX. After receiving the XXXX settlement Nissan updated my credit report reflecting a missed payment for XX/XX/XXXX that is incorrect. My final payment was set up for XX/XX/XXXX and was drafted from my account on the XXXXThis FP ( failure to  pay ) or CO ( charge off ), depending on what bureau is reviewed needs to be removed. It reflects a recent delinquency which is false and negatively impacting my credit further. My final payment was due in XXXX on the scheduled date and successfully processed. I want all my bureaus updated correctly and not to include false information. Nissan assured me that there would be no new negative activity, but only an update that account was settled.
Consumer complaint received 2023-11-30
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/2023 and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that if my concerns are not promptly and adequately resolved, I am willing to consult legal experts and take this matter to the appropriate regulatory bodies to ensure that justice is upheld.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Special Agent ... .XXXX  XXXX ..., from XXXX has been calling distant family members not involved with my account what so ever and leaving messages with them to have me contact them at XXXX. None of the other persons contacted have anything to do with this credit account nor are they listed on the card or my account anywhere. There were 5 other phone numbers listed on my file, where communications were made and not only voicemails were left, though also spoke to other members with regards to me, per Special Agent XXXX XXXX ..., in a phone conversation today, XX/XX/2019 at XXXX pacific time. I asked him to remove all other phone numbers on " my file '' with the exception of mine. I explained to him that what he was doing was against the FDC act 805. XXXX stated he does not know how the other phone numbers got in my file, though he was just following through to have someone get the message to me. This is unacceptable. I have 3 different recordings of his voice on various numbers, as his voice is very distinctive, leaving messages with people that were not ME. XXXX stated he would place a notation on my account not to call any number other than the one I provided to him today.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have hard inquiries on my credit report that I did not authorize. On Equifax there is XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023 and on XXXX there is XXXX  XX/XX/2023, XXXX XX/XX/2023. I have notified both agencies and nothing has been done about this.
Consumer complaint received 2023-11-29
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: BARCLAYS BANK DELAWARE (NJ)

There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. Barclays Bank Delaware- request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. XXXX XXXX, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted from my Equifax Credit Report : 1. XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

To Whom It May Concern at the CFPB, I am submitting a complaint about a derogatory account from XXXX Card reported by XXXX and Equifax. This account, listed as a closed charge-off with a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX Card Account Number : XXXX Balance Owed : {$1100.00} Status : Closed / Collection/Charge-off Summary of Issue : I have no knowledge of any business relationship or account with XXXX Card and am therefore not liable for this debt. I am unaware of how this account was established, and I have received no validation or proof of my responsibility for this balance. Despite this, both XXXX and Equifax continue to report this account on my credit report. 

Requested Resolution : To resolve this issue, I am requesting : 1. The immediate removal of this unverified account from both my XXXX and Equifax credit reports, as I am not liable for this debt. 
2. Assurance that XXXX XXXX and all reporting agencies will cease future reporting of this debt on my credit profile. 

Thank you for your attention and assistance in addressing this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX, XXXX contacted by a credit reporting agency warning me that my credit rating was being adversely affected by carrying a large credit card balance. Contacted AmEx and discovered a balance of {$31.00}, XXXX had accumulated from XX/XX/XXXX to late XXXX, XXXX even after the customer service representative had removed all penalties, late fees, interest charges, finance charges, etc. Paid the account balance down to XXXX in early XXXX, XXXX. 
XXXX, XXXX contacted AmEx regarding the liquidation of my Reward Dollars ( RD ) account on XX/XX/XXXX without paying off any charges, and thus, without my consent. Bumped up several layers of management and finally informed of AmEx 's irresponsible approach to RD accounting and convenient, predatory RD policies. The AmEx manager promised to 1. ) investigate the res ipsa loquitur miscommunication that occurred via chat and phone on XX/XX/XXXX, XXXX. ) determine the approximate value of the XXXX account via a process of reverse engineering, and XXXX. ) remove all penalties, late fees, interest charges, finance charges, etc. during his investigation. Either the investigation was not performed, or the results were not communicated to me. Technically, if no investigation was performed, then the non-removal and further accumulation of penalties, etc. is explained. Unclear if this represents negligence, promise failure or both. 
XX/XX/XXXX e-mail from AmEx that " Uh-oh [ my ] XXXX has decreased. '' In the past, never cared too much about my credit rating. The few times I bothered to look it up was always in the high XXXX 's, but after the " Uh-oh '' e-mail decided to look up my XXXX score : XXXX! Why did AmEx send me an e-mail about my XXXX score on XX/XX/XXXX? I considered my AmEx account cancelled on XX/XX/XXXX and even AmEx considered the account closed on XX/XX/XXXX. Sending me a dramatic e-mail about my XXXX score on XX/XX/XXXX makes no sense. How much of the precipitous fall in my credit rating was due to AmEx mismanagement of the XXXX XXXX account ending in XXXX? 
Today ( XX/XX/XXXX ) contacted AmEx ( XXXX ) regarding the {$1.00} interest charged to my XXXX XXXX XXXX ( technically dead but remains a nightmare walking ) account. XXXX reassured me that the charge would be removed along with the threat of a $ XXXX XXXX 's Apprentice from XXXX late fee and the XXXX XXXX of 30 %.
Consumer complaint received 2020-04-17
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: CITIBANK, N.A. (IN)

Best Buy XXXX XXXX/Citibank credit services have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did BestBuy CitiBank not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact Best Buy customs service as well as XXXX XXXX - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why Best Buy/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more