davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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. (KS)

I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from XXXX and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all XXXX of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all XXXX credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed BBB complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED
Consumer complaint received 2022-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

On XX/XX/2022 I contacted my banking institute [ XXXX  ] to request a replacement debit card as I'd recently lost my wallet. As my payroll was going to be deposited on XX/XX/2022 I paid the additional fee of {$24.00} for expedited processing of 2-3 business days. On about XX/XX/2022 XXXX sent me a text saying a delay had been experienced on their behalf and I would receive my package on or about XX/XX/2022. 
Subsequently XXXX claimed delivery on XX/XX/2022 at XXXX with no signature being required. I looked everywhere and spoke to my housemates and confirmed no package was delivered to be found. 
Ultimately on XX/XX/2022 I had to go to my employer and have a card issued so I could finally access my payroll monies. 
Thru no less than 10 calls with the banking institution I have been told I would receive the {$24.00} back thru reimbursement, that I had to take the matter up with XXXX  for reimbursement to Ultimately no reimbursement would be given. XXXX 's policies are that the sender file complaint not the receiver. 
Subsequently I requested a dispute be filed against that transaction stating I'd paid for services but did not receive them. The institution flat out denied me to file a dispute. 
Phone calls to the parent company of fifth third bank have proven untruthful because nobody at any level knows of the possessorship.
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ID)

Paypal will not close my account. They are claiming technical difficulties and have no time frame on when it'll be fixed. I'm closing the account because of their misinformation fine of {$2500.00} they stated would happen if you're found to post " misinformation ''. I can't risk a private company draining my accounts because they don't agree with something I posted on social media or elsewhere. Paypal has since retracted their AUP and claim it was done in error. That language got in there somehow and someone was thinking it. I don't believe their retraction and instead think it's because of the huge backlash they received. I can't do business with this company anymore and do not want them connected with my bank and credit card accounts. This is happening to many people and actions need to be taken. Thank you for your help.
Consumer complaint received 2022-08-11
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. (MT)

This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (MA)

To whom it may concern, I am having an ongoing problem with Military Star over an account that I disputed with them, requesting information and sufficient tangible documentation in order to verify and validate the debt owed. The matter was resolved when it was removed from my credit reports due to the company not providing adequate information in a timely manner. 

The account then popped back into the credit bureaus without any notification to myself as to its reinsertion or documentation related to the original dispute. Again, I dispute the item and the company does not provide an in depth investigation and simply marks the account " meets FCRA requirements '' which it surely does not because it fails to document me. It has failed to do so on numerous occasions. 

I am asking this agency to assist me in this matter and provide oversight which in my considered opinion it needs. The account is reported as closed and also as open. I don't understand what this company is doing. I have tried numerous times to dispute the debt, which I stand behind being grossly inaccurate and not mine and have this company continually changing information even after it has been removed. Violating the FCRA by putting information into my consumer credit file that is not verified via documents and generally giving me the run around every time I ask for clarification. 

Please assist me in this matter.
Consumer complaint received 2022-10-22
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: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting Act JPMCB Auto has violated my rights. 

JPMCB Auto has violated my rights according to 15 U.S.C 1681 602 ( 4 ) states, " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' JPMCB Auto has violated my rights according to 15 U.S.C 1681 604 A ( 2 ) states " in accordance with the written instructions of the consumer to whom it relates. '' ( I did not provide written authorization to JPMCB Auto. ) JPMCB Auto has violated my rights according to 15 U.S.C 1666B ( A ) states " 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 2022-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (GA)

I received a billing statement from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX citing they representing Discover Bank on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only XXXX notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX  I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I went to make a purchase using my debit card on XX/XX/XXXX, and it was declined even though I knew there was money in the account. Later that day, I tried making an ATM withdrawal to see if maybe it was the business ' terminal and was again declined. 
When I called CitiBank I was told a block was placed on my account and then it was determined to be frozen for closure. I asked why I was never notified or given a heads up and was repeatedly told " you will receive a letter in XXXX business days with an explanation of the decision. '' I have called several times since and spoken to the fraud team who said a special department is who placed the block and that they ( fraud team ) did not have access to any of the details regarding the matter. There is supposedly no direct line to that department either. When I called the main customer service line on approximately XX/XX/XXXX to file a formal complaint, the only thing they were able to tell me ( which was more than ANYONE had up to this point ) is that the case was closed on XX/XX/XXXX and suggested I give them XXXX more days for a letter to be received before calling again. 
When XX/XX/XXXX arrived and still no letter had been received, I called the fraud department again and demanded I speak to a supervisor after the agent told me that my account was " frozen for closure '' on XX/XX/XXXX. The agent said that talking to a supervisor was not going to result in more information or a different answer, and the supervisor confirmed that when he rudely spoke to me on the phone. 
I have now had no access to approximately {$1400.00} for a month... I am a XXXX  mother of XXXX XXXX  children, behind on bills, and barely make it getting paid twice a month. 
CitiBank continues to give me the run around and not providing any answers or solutions. The request was made by myself more than once to have my funds released and have been told " you will receive a letter and a check if anything is owed to you in XXXX days of closure. '' There are no physical, brick and mortar branches that I can go to and have this resolved or I would have already done that. I informed CitiBank that I would get a lawyer involved if I needed to, and again was told " you will receive a letter explaining the decision. ''
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2019 I contacted XXXX XXXX regarding an account they reported to my tradelines. I spoke with a representative who stated that they don't have an account and that I needed to contact The XXXX XXXX XXXX  who also stated they had no knowledge of the account. This account should not be reported on my tradelines if this company Does not have any knowledge of the account. By law this account should not be reported to my tradelines if the company is unable to locate my account or verify the account that is reported.
Consumer complaint received 2019-12-05
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. (TX)

Dear Credit Bureau : Experian I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you  provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Under the Fair Debt Collection Practices Act ( FDCPA ) I have the right to request validation of the debt that you say I owe you. Your offices have failed to provide any information tying this debt to me. I have yet to receive any proof of documentation that proves that there is some contractual obligation that is binding me to pay this debt. Your offices have continued to report invalidated information to the three major credit bureaus and in such, this may constitute fraud under both federal and state laws. I have disputed these claims and your office is telling me that this is mine. How is that? If anymore action is taken that is considered detrimental to any of my credit reports, I will seek legal counsel. Once again, please provide the following : Please identify the original creditor. 
Please provide the original contract from the original creditor and I showing my signature. 
Please provide the assignment contract between your office and the original creditor. 
Proof of licensure to collect in the state that I live in ( TX ).

Provide line by line accounting of the original account.

Proof that you are in compliance within the statutes on limitations for the state that I reside ( TX ).

If the debt that you say I owe cant be validated, then I ask that you remove this from my credit reports.
Consumer complaint received 2019-12-05
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: EQUIFAX, INC. (TX)

Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (FL)

I checked my credit and saw a medical bill from Nationwide Recovery for XXXX XXXX XXXX at {$1600.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, I finally received my replacement debit card edd from Bank of America. A representative helped me activate my card and helped me have access to my account. Bank of America resolved my first claim # XXXX and gave me my {$5200.00} back but I saw that there was a transfer on XX/XX/2022 of {$5000.00} to a debit card XXXX # XXXX. The same suspect did the transfer from the previous fraud that was done in my account. I asked the representative how was that done when I had no access to my account until XX/XX/2022. I was able to see their last 4 numbers of checking XXXX and routing # XXXX. Bank of American never gave me a notification or approval of this transfer. This is the 2nd time that this happens. I reported to the police and filed a 2nd claim.
Consumer complaint received 2019-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

In XX/XX/2012 I received student loans of various types. At the time, with all of the information being provided to me, I was told that the loans would be low payments and I would have a Public Safety Loan Forgiveness set up. Following the end of school, I set up a payment plan with XXXX. The payments were manageable and were being paid. 

Since the conclusion of school, I have been required to reapply for payment plans, PSLF, as well as payment increased to over {$600.00} a month by companies. When changing loan companies, to lower payments and better customer service, I have been given contracts for payment that are manageable, with the PSLF. The contracts are then bought by FedLoan and then I am forced to reapply and/or the payment is higher. As well, a lot of the time, their apps don't work to make payment and service is horrible. 

At this time, I am back in school, so payments have ceased.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bought my mortgage and soon after tried to cross sell me flood insurance that I did not want or need. I proved this case conclusivly, but Wells Fargo lied that they could force this insurance and they reapportioned my mortgage payments to pay their flood insurance and began foreclosure proceedings. I hired an attorney and we sued them. Wells Fargo ( with your help ) " agreed to '' clean up my account, return all unlawfully escrowed money back into my mortgage payments, and pay {$15000.00} for ruining my credit for 4 years. Wells Fargo asked that I close my complaint with you ( CFPB ) in XX/XX/2018 and then they would settle this case. I did and Wells Fargo paid my attorney {$15000.00}, and then " RENAMED '' their escrow account with me as a " different '' debt instead of returning it to my mortgage account. Wells Fargo was informed of this issue by me and my attorney. They knowingly ignored it, and then ruined my credit again. 
My husband can not retire. We can not get a mortgage on our homestead, We can not refinance investment property or get development loans in some commercial property that we own. Before this Wells Fargo nightmare began, we had planned to refinance a rental home at 3.5 %, to pay off a student loan, and situate ourselves for retirement with a 3.5 % home loan on our homestead. None of this has been possible. My husband is XXXX-years-old, my student loan has grown beyond control, interest rates are climbing far beyond 3.5 %, and a personal loan with a family member is being called in. 
Please reopen the complaint that you closed in XX/XX/2018. Wells Fargo has breached their contract and settlement with me. The costs to settle this case are the costs for me to reclaim my plans listed above. Please note that the issues listed are not " mistakes, '' but instead predatory acts by Wells Fargo.