davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NE)

On the date of XX/XX/year>2024. I met with a woman who had it a tablet for sale on the marketplace. She said she would take Cash App for the payment. So when I sent her the money, we were standing outside of this hotel as soon as I sent the money. She threw a hot coffee in my face. Grabbed the tablet and jumped in a car and they took off. Am I a police report. Then reported it to Cash App somebody to dispute. And they denied my claim because they said I sent the money.
Consumer complaint received 2022-04-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$5700.00}
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

XXXX XXXX XXXXXXXX apparently after 12 years of living in XXXX and have this account with XXXX ( Account paid in full ) and no matter I paid in full they damage my credit for 7 years and after having damaged my credit for 7 years they again placed a collection on my credit that has already met the requirements by law. I am not sure who they really are but I am sure that account is not mine and if so they can no longer damage my credit since they did it years ago and this account complied with their damage and was eliminated from my credit by law. Please coul you help me to remove this account from my credit report because this is not fair.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My issue is with Experian Credit Reporting agency mishandling my credit file in particular XXXX XXXX XXXX and XXXX XXXX.Both these accounts were removed back in XXXX and XXXX due to identity theft..However, both accounts were reinserted in XX/XX/XXXX without notification..The FCRA requires credit reporting agencies to notify consumers in writing 5 days prior to reinsertion of previously deleted accounts..I never recieve notification, which is a violation of federal law in regards to credit reporting..I have sent several certified letters to Experian with no response..There blatant disregard of the law undermines the integrity of the credit reporting system..Creditors rely on accurate and true information on a consumer file..The forementioned accounts were deleted several years ago due to fraud, I sent both credit reporting agency and creditors police report as well as identity theft report FTC..I also asked for documentation with my signature/ consent that I have done business with these companies..I never recieve such documentation from either Creditors not credit reporting agency Experian..
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank sent me a notice by mail on XX/XX/XXXX stating they will be closing all my accounts including my checking and credit card accounts with no specific reason and tried to contact the bank by visiting the branch and contacting the customer care number and talking with the fraud department and no one able to give me a reason why they will be closed on XX/XX/XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Credit Services, LLC (CO)

Recieved a call from XXXX - company called me gave me info off my credit report and said my accounts were red flagged and wanted to sell me services to void my credit cards. They actually had a copy of my credit report as they were reading off actual balances off of my report. That does not sound right to me, how is it they accessed my report without my permission. Seemed very sneaky and sounded like a scam to me. 
Claimed to be XXXX XXXX from company Consumer Credit Services out of XXXX Florida @ XXXX Be careful.
Consumer complaint received 2022-04-06
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. (TX)

There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining.
Consumer complaint received 2022-04-06
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. (IA)

According to US Code 1681a ( f ) ,1681b ( 3 ) and FDCPA regulation, repossession in order to pay/settle on a debt as well publication of list consumers who have not paid on a debt other than a credit report, such as a publication at an auction of repossessed vehicle or advertisement of sale to coerce the payment of a debt, this is a violation of the FDCPA. 

I, XXXX XXXX refuse to pay this debt/account. 
XXXX XXXX has violated my rights in how they have handle this account.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
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: World Omni Financial Corp. (FL)

MY DAD PASSED AWAY XXXX XXXX. HE HAD SOME TICKETS ON IS NAME ANS HE A CO SIGNER WITH ME ON MY XXXX XXXX. MY BIRTHDAY MONTH XXXX ALSO TIME FOR ME TO RENEW MY REGISTRATION. WITHOUT MY KNOWLEDGE I HAD STOP/HOLD IN THE SYSTEM SO I UNABLE TO GET MT RENEWAL. IWAS TOLD BY THE TAG AGENCY TO CONTACT MY LOAN PROVIDRS OMNI ( SETF ) TO REMOVE MY DADS NAME FROM THE TITLE. THIS WOULD HAVE ALLOWED DMV TO REMOVE THE XXXX CLEARANCE. I NEED TO WORK SO I CONTINUED TO DRIVE THE MY VEHICLE TO AND FROM WORK. ON XXXX XXXX I WAS STOPPED BY ( BSO ) OFFICER TOLD ME HE HAD TOPULL THE CAR. AT THAT POINT ON XXXX XXXX I BEGAN TO ( SETF ) I ASKED AND PLEADED THE SITUATION. I ASKED IF THIS ISSUE CAN EXPIDTED. I SPOKE TO SEVERAL PEOPLE CONCERNING THIS ISSUE. EVERY TIME I CALLED, I WAS TRANSFERRED TO WROG DEPARTMENT. I BEGAN TO ASK TO SPEAK TO SUPERVISOR ALWAYS. THE DAYS WERE ADDING UP AND MY DEBTS WERE UINCREASING. IWROTE A STATEMENT AS WELL AS FAXED IN THE DEATH CERTIFICATE FOR MY DAD SHOWING PROOF. I SPOKE TO XXXX XXXX, XXXX, XXXX. I BEGAN TO CALL3-4-5-6 TIMES A DAY. I WAS SIMPLY BEING TOSSED AROUND WITH NO HELP. XXXX IS ENDING AND XXXX IS ABOUT TO START. STILL THE ISSUE UNRESOVLED. SUPERVISOR XXXX CALLED ME ON XX/XX/XXXX, SHE ADVISED ME THEY NEVER RECEIVED WRITTEN STATEMENT NOR DEATH THAT I FAXED ON XXXX XXXX. I WAS AMAZED SO I SIMPLY FAXED IT AGAIN ON XXXX XXXX. 
PLEASE HELP ITS XX/XX/XXXX, AND SETF PICKED UP MY CAR FROM EMPOUND THIS WAS NOT FAIR TO ME AT ALL I ACCRUED PAYMENTS THAT I DIDNT HAVE TO. I CAN'T AFFORD TO LOOSEN MY " I CAN NOT AFFORD THESE PAYMENTS\. BECAUSE MY CAR IS IN PAY OFF STATUS, THEY PICKED UP THE CAR. I SHOULD NOT PAY FOR MY CAR BEING EMPOUNDED FOR NEARLY A MONTH AND SOME DAYS. I HAVE PUSHED AND EXPRESSED HOW URGENT THIS SITUATION IS
Consumer complaint received 2024-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/year> someone without authority or authorization claimed to my son and maliciously closed my Costco Citi Card ending XXXX and XXXX without our consent or permission, this complaint about the inept and failure of the customer service to verify the information given and it was too easy to close the account without verification! I am appalled and this has caused a lot of issues, not only is the failure on their security team, but no one also bothered to ask for the secret passcode or other identifying information to verify the information, the account was in good standing which we had for over a decade with Citi Costco, now all cards don't work, we have pending balances and refunds that won't be processed along with a rewards that is supposed to be sent out sometime in XXXX. This is so disgusting and repugnant behavior on so many levels showing how easy someone can mess with your accounts, a person without authorization can claim to be anyone and get your account closed. It is no wonder Citibank is rank one stars all over consumer review sites and I am sure people would give them 0 if they could as this is a common occurrence. You hire the cheapest labor, unqualified people to handle expensive accounts, failed to do a security check. It should not be that easy to close an account without verification showing that social engineering can be done to dox a person! You have no security in place, it was breeched.
Consumer complaint received 2024-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (PA)

XXXX This is the follow up concerning the above opened case. I was called aXXXX XXXX XXXX by XXXX of Wells Fargo mortgage saying that she came on behalf of XXXX XXXX to see with me what we can do as we have to close next Tuesday. She asked me if I would to close on Tuesday XX/XX/XXXX or i want to report i confirmed Tuesday XX/XX/XXXX. She said I need to complete XXXX documents she will forward ibsaid I am waiting for that because we need to close on Tuesday. Few minutes later I checked my emails she didn't send it called her back and she promised to send in XXXX min XXXX later I called her back stating I didn't receive yet. She promised again. After XXXX hours we received her emails my wife and I without the attached documents... later she would apologize about that and said ... see the attached shot screenshot. 
The problem is they waste time maybe because the rate lock will expire on XX/XX/XXXX and they will increase everything. That's not fair. Finally she said we will wait for XXXX XXXX to return on Monday. The question is : why she called me today? And why she didn't send the attached documents for us to fill out and send her back in order to closes next Tuesday? I think she doesn't have anything anymore to ask me as we already submitted everything they asked at least XXXX times. She told about the contract again and XXXX... it's too much
Consumer complaint received 2022-06-27
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-12-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NV)

I am writing to dispute a charge of {$29.00} to my Wells Fargo XXXX  Credit Card XXXX on XX/XX/XXXX. The charge is in error because the due date is the XXXX of each month. Over the last 3 months, the Wells Fargo website has been deceptive and misleading after changes to new XXXX  Checking accounts are required to be open. How is it late on the XXXX if it's due on the XXXX? Mere stealing and price gouging from senior citizens. I spoke to a Wells Fargo employee on Monday, XX/XX/XXXX, Wells Fargo informed me my account was late and I needed to pay {$210.00}. What! I said -- this is a fraud! I couldnt be behind {$210.00}. My usual payment is XXXX dollars. I DID NOT AUTOPAY. I paid {$91.00} by clicking on Set up AUTOPAY! WELLS FARGO IS DEFRAUDING THE PUBLIC BY HAVING A SELECTION TO SET UP AUTOPAY- which IT AUTOMATIC MAKE PAYMENTS ONLY without CANCELATION! -IT DOES NOT CONFIRM AUTOPAY IS SET UP GIVING THE LEAD FOR WELLS FARGO TO CONTINUE MISLEAD THE PUBLIC WITH DECEPTIVE GOVERNMENT BAD BUSINESS PRACTICE! I tried again to set up AUTOPAY, IT TOOK {$120.00} THIS TIME WITHOUT CANCELATION AND NO AUTOPAY SET UP CONFIRMATION!

Fraud fraud fraud. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the SCREEN screenshot of the LATE PAYMENT on XX/XX/XXXX, AND XXXX ATTEMPT TO SET UP AUTO PAYMENTS BUT GOT {$210.00} DECUCTION FROM MY CHECKING ACCOUNT. {$210.00} WAS NOT DUE UNTIL XX/XX/XXXX! 
copies of SCREEN SHOTS supporting my position and experience. Please correct the error on my account promptly.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Dear CFPB, I am writing to formally submit a complaint against Capital One regarding their handling of fraudulent charges and inadequate customer service. 

Details of the Complaint : Multiple Fraud Reports : I have submitted two fraud reports regarding unauthorized charges, but Capital One has not resolved these issues adequately. 
Failure to Ship New Card Number XXXX : After requesting a new card due to fraud, I was informed that it would not be shipped because my account was allegedly in the negative, which it was not. 
Unjust Charges for Expedited Shipping : I was charged {$16.00} for expedited shipping of a second card, even though the first card was still not sent out. It is unreasonable to charge for shipping related to fraud ; this should be covered by the bank. 
Phantom Charge : There is an unexplained charge on my account with no details provided, which remains unresolved. 
Negative Impact on Credit : These unresolved issues have negatively impacted my credit score, causing a one-point drop per bureau, despite my history of never missing a payment.

Unhelpful Customer Service : A supervisor I spoke with refused to adequately address my concerns and did not assist in resolving the situation. 
Advice to Not Pay the Bill : I was advised to simply not pay my Capital One bill, which is unacceptable and could further damage my credit. 
I have always managed my accounts responsibly, and I am frustrated by the lack of support and resolution from Capital One. 

I request your assistance in ensuring that Capital One addresses these issues and provides a satisfactory resolution. 

Thank you for your attention to this complaint. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CO)

As the parent company to TRS Recovery Services, Telecheck was told by my bank that it " denied '' payments to merchants on personal checks connected to my account that were the result of identity theft. This was after the bank had already paid the merchants once and I had been reimbursed for the theft by the bank. When the bank pulled back the original payments of the checks, I became a victim of fraud twice over by TRS Services via TeleCheck and my bank.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is reporting my account inaccurately as if I am required to make payments and citing payments made in the past versus the statement that they should be making according to the law which is " Paying as Agreed '' I am deferred due to the fact that I am currently attending University and their error is negatively affecting my credit rating and job opportunities as I am close to XXXX