davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/ around XXXX I was contacted by an individual claiming to be with Wells Fargo . the number they used was the Wells Fargo customer service number that I confirmed from the back of my card as soon as they called as well as verified with Wells Fargo later that day. The person in which I was speaking to started saying that I had suspicious activity on my account and read off the charges to me. Before giving this person any information whatsoever, I went on to my account and saw both charges in which she referenced. Both were atm withdrawals totaling {$1000.00}, one for {$770.00} and the other for {$230.00}. The location was 2 hours away from where I was at that particular time. Again, at this point I had provided no information that could have been used to access my account. Seeing the charges and having the person that claimed to be from Wells Fargo reading back to me what fraudulent transactions were on it I felt no reason not to proceed in the process that I thought was closing my debit card. upon seeing the charges, I immediately turned off my debit card and continued going the process I thought of deactivating the card and getting it replaced. shortly after the call was over, I had notifications that someone had tried to use it again for 2 transactions of {$2100.00} at a XXXX but fortunately the card was already off. Shortly after the call was completed, I went back on my WF account to check it and noticed the card was turned back on. At this point I became suspicious and reached out to WF myself. this Is when I confirmed that the original person that called was not with WF but oddly enough used the same exact prompts as the person I was now speaking with. A dispute was filed, and I was told I would know within 10 business days. On XX/XX/ I log into WF to check the status of the dispute and it has been closed. I call WF and have it confirmed that it has been closed but they determined it not to be fraudulent stating that my physical card was used even though it was in my hands 2 hours away from where the fraudulent transaction took place. As of today XXXX I asked WF to resubmit my claim. Also, I don't understand why WF did not notify by email that my claim had been closed... very unprofessional. I understand being scammed but I was not scammed out of the {$1000.00}. That money had already been fraudulently acquired from my account before I gave out any of my information. As noted, an additional {$2100.00} was declined twice once the card had been turned off.
Consumer complaint received 2022-04-21
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. (MO)

On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with XXXX XXXX TransUnion and XXXX. They have NO supporting documents or any evidence of me owing the debt.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TX)

I went to use my XXXX card which is a debit card through American Express and found out I could not. So I called and they said it was locked due to fraud. They said I had to prove my identity. I did everything they asked. I had my HR department Involved as well as payroll was emailing them documents they asked for. Then in XXXX when I called them again because we sent everything possible they then said oh we want a letter of ademinity sent from my bank that my company uses but the bank said that XXXX was given enough Info on my direct deposits and info from my job on my identity. 
I no longer work for this company and I still can't get my money that XXXX is holding from me. I have been in a severe car accident that XXXX XXXX XXXX and hospitalized for a couple of XXXX. I could use this money badly at the time. This all started in XXXX of 2020. Please help XXXX XXXX
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-21
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. (AR)

I am formally requesting with this CFPB Complaint to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. I am submitting this CFPB Complaint today to inform you that you are reporting a different information on my XXXX XXXX. You are presenting data on the account XXXX  XXXX XXX Opened XXXX. XXXX, 2019 XXXX {$0.00} that is distinct from that of other bureau. I always make my payments on schedule and this account has never been late. In your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate.
Consumer complaint received 2022-05-19
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: Lend Smart Mortgage, LLC (CA)

There is information on my credit reports that is incorrect? There is a Home equitiy loan, opened in XX/XX/2021, Mortgage loan, Auto loan, banking cards, Retail cards, Pet insurance.Phones, everything
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (CA)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CO)

XXXX XXXX and ALDOUS AND ASSOCIATES are trying team up and say I owe XXXX  {$330.00}. Which neither can provide an itemized statement for proof. I've asked several time for proof which no one can share. In XXXX I was furloughed due to Covid 19 and then laid off in XXXX. XXXX was always updated by me. During Covid my last conversation with XXXX was that I only {$67.00} ( {$49.00} annual fee + {$17.00} monthly fee ) I agreed to pay after I made my Personal Trainer payment arrangement of {$90.00} x 2 I still owed. In which my Personal Training ended XX/XX/XXXX per XXXX. I have bank statements showing these last two payments of {$90.00} made in XXXX of 2020. So they received my payments arranged! I then receive a letter in the mail from ALDOUS AND ASSOCIATE. Stating I owe {$330.00}, how??? And why am I now in collection? This is wrongly done by XXXX. I'm really confused and I want PROOF AND ALDOUS AND ASSOCIATES remived from my credit. I don't owe anything to ALDOUS AND ASSOCIATES. Please help me this is a scam.
Consumer complaint received 2022-04-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmores failure to accept our housing assistance funds ; Rushmores failure to consider all loss mitigation alternatives for our VA guaranteed loan such as a special forbearance ; and for Rushmores denials supported by only conclusory statements and without specific facts supporting the denial. we were not considered for a special forbearance ( given the HAF application and applications for benefits now pending as stated in our hardship letter ), nor does it appear that we were considered for a COVID-19 Refund Modification ( VA Circular 26-21-13 ), and we believe that Rushmores failure to accept HAF funds may have harmed our relief available to us in meeting targeting outcomes for the COVID-19 Refund Modification
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2016. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (TX)

My lease ended in XXXX of 2019 with Acura Financial Service..also doing business as American Honda Financial. After completing the terms of my lease, I opted to buy my car Cash. I completed all the paperwork after buying the car in full and still have not received my title. Nearly a year after my account was closed, it was reopened with a new charger is {$100.00}. I requested, on multiple occasions for an explanation of the new charge and proof of my financial responsibility and for 2 years went in circles with no proof. I feel like it is a bougus charge. I recently hired a lawyer who settled with American Honda Financial for {$52.00} and my account was closed once again and still without a title! Ive paid over {$45000.00} for this car and can not trade it in or sell it because this company refuses to give me my title! 
Please help.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-05-19
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. (IN)

In accordance with the Fair Credit Reporting act XXXX 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 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently opened a Capital One 360 Checking account under a promotional offer to receive {$250.00} after opening an account and receiving two direct deposits. I successfully opened the account and set my employer 's direct deposit to deposit into this new account. On XX/XX/2022 I received my first direct deposit from my employer. A few hours later I received an email from capital one stating there was " unusual activity '' on my account and to call in. I called the customer service number where a representative spent 40 minutes asking me irrelevant questions about how long I had been working for the employer, what kind of work I do, what kind of phone I have, how often I log into my account. He claimed my login information was " linked to other people '' and posed a risk to the bank so he closed my account. I assured him that I was the only one with access to my account but he said he had to close the account.
Consumer complaint received 2022-05-19
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 (AL)

In accordance with the fair credit reporting act XXXX Account # XXXX, h

as 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

I am a business owner that has a Chase Bank business credit card. I used points on my Chase XXXX XXXX to book business travel from XXXX to XXXX. Due to a business matter, I had to reschedule my flight by 2 weeks. Since I used points, to reschedule my flight I had to speak with a Representative at Chase Travel Rewards to have them do it ( they required this ). The rep charged me a fee ( higher flight cost ) and sent me a confirmation of the flight being booked. When I showed up at the airport in XXXX on XX/XX/XXXX I did not have a ticket for the flight. The CHase Travel Rewards Rep never finalized booking the flight. I had to be in XXXX for XXXX the next day so I bought a ticket to another flight and had to pay an extra {$1200.00}. I filed a complaint with Chase TRavel rewards and they admitted verbally and in writing that they were at fault. They agreed verbally and in writing that they would refund me {$1200.00} for their error. They have not. The branch can not help me... local market executive will not do anything, chase escalation dept will not do anything... all have said chase is 100 % at fault but they will not just refund me. Now my CC payment is due in 8 days ( XX/XX/XXXX ) and I will now need to actually pay the {$1200.00} with my own money. I need someone to help. My company name is XXXXXXXX XXXX XXXX XXXX Note that i have called several times and even went to the branch in XXXX PA to resolve. everyone at chase says its their fault and i even have an email admitting their faukt and stating that they would refund me... no resolution
Consumer complaint received 2020-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

On XX/XX/2020, my loan was reclassified as a commercial loan through Navient.com When I called on XX/XX/2020 at XXXX, I spoke with 4 different representatives, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during one 46 minute call. Three agents indicated that my loan was " coming up '' as a commercial loan. And the last person I spoke with a supervisor named XXXX, at XXXX, she indicated that my loan was indeed a federal loan, but that Navient classifies it as commercial because Navient bought the loan and it is now owned by Navient , so federal laws like the CARES ACT do not apply. 

That is illegal under US law.
Consumer complaint received 2022-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (SC)

Alleged Balance : {$43000.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

This is NOT a request for " verification '' via E-Oscar or proof of my mailing address but a request for VALIDATION of the above named Title and Section of the Fair Debt Collection Practices Act.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.
Consumer complaint received 2022-04-24
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. (DE)

THESE ACCOUNTS AND ADDRESSES NEED TO BE DELETED AND REMOVED UNDER THE FCRA 15 USC 1692. I HAVE NO KNOWLEDGE OF THE REPORTED ADDRESSES NOR ACCOUNTS PLEASE DELETE AND REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT I AM NOT ABLE TO OBTAIN ANY CREDIT IN MY NAME BECAUSE OF THIS MANNER. MY ONLY ADDRESS I HAVE CONTACT WITH IS XXXX XXXX XXXX XXXX, DELAWARE XXXX. PLEASE REMOVE AND STOP REPORTING ALL INCORRECT INFORMATION I HAVE DISCLOSED IN MY LETTER
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached credit report.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX 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 2022-04-21
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. (FL)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : -