davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (OH)

I owed a collection debt to Mandarich law group, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX in the amount of {$890.00}. I paid with XXXX money orders that was attached together when I mailed them. On XX/XX/2022 I spoke to a representative and they told me they received {$500.00} of {$890.00}. The representative told me to call back and the payment might post tomorrow. I called back on XX/XX/2022 and spoke to another representative and they still are saying they do not have the other money order in the amount of {$390.00}. The money orders was attached to each other, there is no reason why they received XXXX but not the other.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (WA)

Sequium Asset Solutions , LLC emailed a debt collections notice for {$150.00} from XXXX XXXX XXXX XX/XX/2022. The debt originated from unauthorized access directly related to a XXXX data breach that compromised my personal information. At about XXXXXXXX XXXX XXXX XXXX, I telephoned the company and told one of the debt collectors named XXXX XXXX that the original creditor, XXXX XXXX did not send any correspondence that validated the veracity of the debt. XXXX XXXX did not listen and tried sidestepping the issue by verifying my address in backdoor attempt to force me claim the debt. I told XXXX XXXX that per Fair Debt Collections Act, the original creditor has to provide written information. Also, I told him that I currently participate in the class action lawsuit against XXXX and included the debt in question as part of unauthorized XXXXXXXX  charges directly attributed to the XXXXXXXX  data breach. 
Shortly thereafter, I disconnected the call with the debt collector because he was in no position to resolve the account dispute because his sole purpose included forcing to pay a debt for which I did not owe.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXXXXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

My name is XXXX XXXX and I opened a Citibank checking account on or around XX/XX/23 making my first deposit of {$24000.00} on XX/XX/23 to account # XXXX. I've also just moved from XXXX XXXX XXXX XXXX XXXX here in the past week or two deciding to split from my very abusive husband abruptly. I called the bank to activate my card once it finally arrived to my new address through expedited shipping and everything went successful so I was told. I tried to use it that night for dinner and it's declined then I try to use it again at ATM that same night thinking there should have been a mistake somewhere or could have been and will behold it's declined. I called the bank and they tell me I have to call central time because their system was updating and they had no access to the account information. I called it XXXX XXXX and told them what happened the representative assured me everything is okay now and the card was successfully unblocked and ready to use. That same afternoon I tried to attempt to make a purchase at XXXX and again the card is declined. Once I call the bank I am escalated to the fraud department and the representative told me that my account was going to be blocked until further notice because my phone number was not verified or registered. She then hung up on me and did not offer any further clarification or details as to what she had mentioned being the reason for this block. Again this is the same phone number that I used when I opens the account nothing had changed. After more calls to more Representatives and given the same answer I'm at my breaking point and forcing an EVICTION and discovery by my abusive husband since I tried everything possible to make my phone number public data for Citibank. I even went as far as purchasing a prepaid XXXX and going online and registering the phone to my name. This is putting me at tremendous risk and I can not further risk my safety just to get my account unlocked because my life and safety are at Great risk. I have successfully complied and given every security answer with a green light to every inquiry they have asked to verify my identity but at this point I don't know what the f*** they're asking anymore this whole phone number verification stupid registration thing is absolutely Bonkers and I feel like they are unjustly holding my funds from me and this is not right nor can it or should it be legal. It is my choice as an American to have any phone number I'd choose or Carrier or non-carrier if I want to prepaid service I should be able to have that prepaid service especially if the phone number is the same phone number I used when opening the account. This is my formal complaint regarding Citibank and they're fraudulent ways of holding my funds and freezing my account for no reason whatsoever.
Consumer complaint received 2023-02-08
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: Bread Financial Holdings, Inc. (IL)

Per 15 USC 1681, I have the right to privacy. My account beginning with XXXX has been subject to violations. According to the report, the collection agencies reported the past due dates on my account which is a violation per 15 USC 1681. I want these improper reports to be removed immediately from my account.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2023, I discussed with our loan officer at XXXX  ( XXXX XXXX XXXX XXXX XXXX ) that " locking the rate '' wasn't actually locking a specific rate but rather a " rate sheet '' that is a combination of rates that you can get with points. She confirmed that in an email that same day. After the email, I called her to tell her that I'd like to lock the rate sheet but that later that evening I'd be discussing which combination of rate-points we wanted to go with from the rate sheet. I confirmed that to lock the point I needed to give her my payment info to order an appraisal, which I did on the call. 

Later that night, as committed, my wife and I decided which rate combo we wanted and I emailed the loan officer. The rate combination was XXXX % by paying {$10000.00} in points. 

On XX/XX/2023, the loan officer told us she locked the rate but that the points were now {$13000.00} because she did not lock the loan yesterday. I tried to have her honor the commitment from XX/XX/XXXX but she asserted that I never told her to lock the rate. She said it was in a recorded call but refused to share that call.
Consumer complaint received 2022-11-15
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. (VA)

I consolidated my student loans back in XX/XX/2022 which are now with XXXX, and Experian has repeatedly kept XXXX of my student loan accounts for {$10000.00} as still in collections and default. 

I have disputed this account XXXX times since XXXX and provided additional supporting documentation which was used to resolve the status of all my other student loans, but they refuse to correct the error on this one. I filed a dispute in Last XXXX 2022, XX/XX/2022, and again XX/XX/2022. I have called them twice as well without success. 

XXXX XXXX documents link will not work, and they have kept my account in the investigation status so that I cant dispute it again or add additional documents. They have incorrect and outdated lender contact information as well. 

I have since lost my job and my security clearance. I need help.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I logged into my account online at experian.com. I then was greeted with a message stating Unable to Verify Identity. I was then prompted to call XXXX XXXX. I called the number as instructed. On the phone I spoke with a live agent. The agent instructed that I send a copy of documents to verify my identity to the address po box XXXX, XXXX, TX XXXX. I did that and waited 3 business days. I XXXX XXXX again. The agent on the phone verify my information with me through a series of personal questions regarding my credit report information. I asked the agent for their name I was given " XXXX '' .I also asked for an ID # from the agent, that request was denied. It is now XX/XX/2022 XXXX XXXX.I am in the process of purchasing a home and this issue with Experian is hindering the process.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NV)

I had a wells fargo home improvement credit card. The card gave no interest payments till XXXX of XXXX, my understanding was as far as i paid the balance by XX/XX/XXXX the interest payment would be waived. I make all my payments wells fargo mortgage and credit cards, also this home improvement payment on their website. The website page NEVER indicated that {$4000.00} would be charged to me on XX/XX/XXXX. This was in the FINEPRINT but not on the website page where i make my payments each month. To my surprise my balance had gone up by {$4000.00} on XX/XX/XXXX. I called wells fargo customer service and stated to them why they did not warn me about the increase on the WEBSITE WHERE I MAKE MY PAYMENTS. This needs to be fixed. Consumers need a warning on their wells fargo website before they add a huge bulk on interest payments. 
I have called wells fargo after i saw the increase and they did not help me. I never got a call back from anyone, but my balance is still the same. I called again today XX/XX/XXXX and they said the interest can not be taken off since it was on the statements. 

Please make sure that wells fargo adds a warning on their web page a warning before they dump in interest payments specially on an advertised promotion. Please remove my {$4000.00} interest payment and i will send the full amount i owe them as of XXXX XXXX you can reach me at XXXX. 

Thank you.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

I am a XXXX patient and I had to send money ( {$70.00} ) for medication to my cousin, XXXX XXXX XXXX XXXX in New Jersey. Her number is XXXX. While sending the money via Zelle XXXX, I made mistake and typed XXXX and the money went to XXXX XXXX XXXX XXXX who lives in New York. 
I immediately called him and told about the error. He talked to his bank ( XXXX XXXX  ) and asked me to retrieve the money via my bank XXXX XXXX  XXXX XXXX ). 
I filed a claim and waited for 45 days and my claim was denied. My bank is asking me to contact the recipient and demand my money. I contacted him multiple times via text, even left phone messages but he does not respond. 
XXXX  XXXX XXXX says Zelle is a third party while the truth is they own it jointly with XXXX XXXX  and some other banks. I have spent hours making calls and visiting the bank but no one is willing to help. They do {$75.00} XXXX  business through Zelle only but do not care for my loss of {$70.00}. 
Please find attached 1- the proof of transaction, 2- proof of my text message with the un-cooperating recipient, 3-Bank 's denial of claim letter. Please help! Thank you.
Consumer complaint received 2024-09-16
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. (VA)

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion, I am writing to formally request an update to my personal information and to address fraudulent inquiries on my credit report. 

My details are as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX I have discovered unauthorized inquiries on my credit report that I did not authorize, specifically from XXXX on XX/XX/XXXX, and XXXX XXXX  XXXX XX/XX/XXXX. I kindly request that you investigate these inquiries and remove them from my record. 

Additionally, please ensure that my personal information is current and accurate in your records. It is essential that these updates are made in compliance with the Fair Credit Reporting Act. 

If these issues are not resolved promptly, I will have no choice but to take legal action to enforce my rights under the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-15
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: CURO Intermediate Holdings (TX)

This company is claiming that I owe a debt, but I have never had a relationship with AD ASTRA RECOVERY SERV. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that AD ASTRA RECOVERY SERV received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.
Consumer complaint received 2022-11-15
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)

Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXX have by law 30 days and i have been disputing the same errors for well over a XXXXXXXX received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified iXXXX can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this information.But you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXX look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month term.If you look at your own report you will see that i have had that account for 22 years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then one of my credit cards is through their company and XXXX XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my XXXX is it possible that you actually verified the information like you have repeatedly stated to XXXX  am ghoing to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXX will be my last attempt to handle this XXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WI)

Chime offered a limited time promotion for new account referrals that sign up before XX/XX/year>. The referral bonus was increased from {$100.00} per referral to {$500.00} per referral. The referred account was to receive {$100.00} as the standard bonus but the existing Chime account holder would receive {$500.00}. There is a {$1000.00} annual limit on referral bonuses. Chime only granted one referral bonus at {$500.00} but only provided the standard {$100.00} bonus for the second referral. Chime stated it was a limit of one referral for this particular promotion. The terms and conditions do not state this. I called Chime prior to initiating the two referral links to confirm two bonuses could be obtained. The agent confirmed this was correct when I called on XX/XX/year>. When the direct deposit terms were met for the second referral, only {$100.00} was deposited in each account. I called Chime again on XX/XX/year> and they then stated the {$500.00} bonus was only allowed for one referral and they could not help me further.
Consumer complaint received 2022-11-15
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. (NV)

No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is 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 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian 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 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 XXXX