davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-06
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. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-06
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. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name My only social security number is XXXX My only correct date of birth is XX/XX/1993 My only employer is XXXX  XXXX XXXXXXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was approved for Florida XXXX ( homeowners assistance fund ) for mortgage assistance on XX/XX/22. XXXX sent a past due check in the amount of {$5300.00} the week of XX/XX/22 to caliber. Then, they sent out a check on XX/XX/22 for XXXX 's payment in the amount of {$1300.00} for my regular monthly mortgage. They sent a 3rd check for XXXX on XX/XX/22 in another amount of {$1300.00}. I have tried to contact Caliber numerous times and in a multitude of ways. I have tried calling ( told that they see no payments ), I have tried emailing the single point of contact along with my documented award letters from XXXX ( no response to over 4 emails ), and I have previously filed a complaint with CFPB to which Caliber told me it will take about 40 days to process due to how XXXX sent funds. It has been well over 40 days - it's actually over 60 now. Caliber will not return my emails or get in contact with me. XXXX confirms that Caliber has received the funds as the checks HAVE been posted. Nothing is posted to my loan and I am still being reported as late on my credit.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Foris DAX, Inc. (TX)

I have a problem with crypto.com company, it started in XXXX I contacted them to reset my XXXX authentication code due to the fact that I lost my phone. It took them forever to respond so I contacted XXXX instead and in a matter of XXXX minutes my problem was solved. I was trying to withdraw my money from the platform since crypto has a huge dump and it lost its value once I got to the last step I realized that I lost my ability to withdraw my money and not a minute later the rep changed my app password and I was locked out of my account. Since then I made a complaint to crypto.com and I tried numerous times to fix the issue with I have done a lot of verification steps to get my account back and all I was getting is we will get back with you soon and thanks for your patience. So now I am writing this message after XXXX  months or more and my money lost more than the half of its value. Last thing crypto.com offered is to redo the same verification steps again and to reset my password with no compensation or any type of courtesy to make it up for what they did. For all this wait, time and effort I am filing a complaint as I fee injustice for what happened. Thanks
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX I received an email from " # Alert Order PayPal '' XXXX Date : Tuesday XX/XX/XXXX XXXX stating I authorized a payment to XXXX XXXX XXXX Transaction ID XXXX, in the amount of {$790.00} USD. 

On XX/XX/XXXX I received an email from PayPal XXXX XXXX XXXX in the form of a bill submitted in the amount of {$580.00} USD via Invoice No. XXXX. 

Note : In XX/XX/XXXX I was able to close one Paypal Account and transfer all funds out of the other to another card to close it -- which they have apparently refused to do. 
I have no idea what account these charges were applied. 
In the meantime, since I refuse all communications with PayPal, they notified me via XXXX I have a $ XXXX refund check due from last year which they have not submitted.
Consumer complaint received 2022-10-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My escrow account is currently being overpaid due to XXXX exemption being applied to my mortgage account. My payment has gone from {$2900.00} to {$3200.00} due to a shortage based on an XXXX XXXXXXXX yearly property tax amount. My current tax bill is {$7900.00} vs the projected {$10000.00} projected by Cardinal. They have denied my escrow analysis due to it being 60 days out which would require me to keep overpaying my escrow and not receive the overage from my escrow account.
Consumer complaint received 2022-12-06
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: AMERICAN EXPRESS COMPANY (MD)

In accordance with the Fair Credit Reporting Act, [ AMEX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

I have a late payment on my account that should never have been there. I have been set up on automatic payments since the beginning of the account, I had one month that i paid it and the site said they received the payment but then 30 days later they told me they never received it. That is the only thing i can think of but that was not my fault. I've tried getting this removed but have not had any success in addressing with the credit bureaus or talking with the company. Please help me to get this removed as it was not my fault.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XXXX XXXX, XXXX XXXX Bank transferred {$10000.00} to open my Capital one 360 savings account. I have called many times and was told they will investigate. Yesterday a regional manage said she didnt know what to do but would have someone call me. I have received no response.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc. (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against United Legal Group & Credit Collection Bureau for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until United Legal Group & Credit Collection Bureau, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and United Legal Group & Credit Collection Bureau, continues its collection efforts, I will file for litigation for actual damages caused and United Legal Group & Credit Collection Bureau, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My credit card company, Bank of America, has charged me for {$1400.00} for XXXX separate charges made against the card for food deliveries from XXXX and XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX of this year. I reported the fraudulent charges to Bank of America on XX/XX/XXXX, and Bank of America denied my claim by letter dated XX/XX/XXXX. I called the bank 's fraud claims department last week, and they confirmed both the date of my report and their denial of my claim. 

The Bank 's stated reason for denying my claim is that the claim was not made in a timely way, because prior to XX/XX/XXXX ( 1 ) statements covering these fraudulent charges were mailed to my home address, and ( 2 ) payments were made on this credit card account. It is true that payments have been timely made on this account. It is not the case that statements were mailed to my above address, though I do have access to online statements.

After speaking to the Bank, I called your office. Your representative confirmed the general rule that I have up to 60 days after you send a statement to bring a timely complaint concerning unauthorized transactions. She also informed me that a complaint brought after the 60-day window is still timely, unless the Bank can show that the fraudulent transactions would not have occurred if Id made my claim within the 60 day window. I asked specifically if there is an exception to this rule if I have received a statement detailing the fraudulent charges or pay the amount due on the statement before filing a claim with you. Your representative assured me, there is no such exception.

Most of the fraudulent charges referenced above were contained on a statement that was first made available to me within the 60-day period ending on XX/XX/XXXX. The Bank has provided me with no indication that it might have avoided any of these charges if Id informed them within 60 days of the date of the first statement containing these charges. Indeed, I would have had to inform the Bank of this fraud prior to XX/XX/XXXX, the last date of these charges, for it to have cancelled my credit card or have taken any other action to avoid these charges. 

I have provided the Bank with proof that neither XXXX or XXXX XXXX  will deliver to our address.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MN)

I am receiving phone calls before XXXX XXXX  and after XXXX XXXX  of harassment, profane and abusive language, threats of being sent to jail and prison, and threats of violence and death from Credit Collection Services Debt Collection Representatives in regards to a debt collection account from XXXX XXXX with a balance of {$190.00}. The debt collection account is not my account and the debt collection account is the result of identity theft. Credit Collection Services is in complete violation of the Fair Debt Practices Act ( FDPA ) under federal and state law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

since XX/XX/2022 I've noticed on Equifax.com my credit score and only 1 card reporting in my history was not mine. I reached out to Equifax whom advised me that they see the issue with my online as they can visually see all 7 open accounts reporting on the backend on their system, who then assured me the issue will be fixed within 24hrs once we disconnected the call. in XX/XX/XXXX I applied for a loan which I was denied for as the lender advised I have no score with Equifax and history shows only 1 account. I called Equifax on XX/XX/XXXX as I remembered this was the same issue I was assured that was fixed back on XX/XX/2022 that was not fixed! I stayed on the phone 3hrs after being transferred and hung up on ; I worked with XXXX who told me that there was clinch with the company as she see all my accounts as we went over ALL 7 reporting accounts and disputed the account that was not mine. which since then was removed. after waiting 3 hours the agent advised that this something that will take longer and will have to call me back within 72hours. XX/XX/XXXX I called as to get an update, I was advised that it was fixed XXXX. I checked my credit report while on the call and only one account was reported back and 1 account XXXX XXXX XXXX XXXX  ) that was not mine was added back. they told me there's nothing can done as they can't see my history anymore on they're side. and that I would have to tell all my creditors to report my payments to Equifax. I told them all my creditors never stopped reporting to Equifax. instead Equifax erased my credit history and stopped reporting my accounts no my creditors. The agent was very rude nonchalant advised there's nothing else that can be done. I asked to speak with a supervisor she stated that she is the higher up the ball stops here with her. I asked 4 more times she finally stated that she has a superior but he is very busy with other calls I can leave a request but he most likely won't call me back. I was in disbelief that a company that has access to a person livelihood can be so inconsiderate unprofessional non helpful and deliberately make you feel that your issue does not matter when Equifax is at fault for erasing my history. I put the request in and called back to try to speak to a supervisor and im currently now on hold
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

I went to the Wells Fargo branch in XXXX on XXXX XXXX XXXX yesterday XX/XX/XXXX. I needed to get a US Treasury Form signed by a banking official per US Treasury instructions. The Form was a Bank Change Request Form FS XXXX that requires bank officials sign and specifically says a notary is not sufficient. Someone at WF signed the original form years ago when I opened the US Treasury acct. The WF employee told me after she researched with her support team that WF does not sign these forms. How can a federally charted bank get away with not signing a federal form to process a bank change with Treasury? I then spent three hours being transferred around WF when I called their customer support, and nobody could even acknowledge that they knew what a FS XXXX was?
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (MN)

I been receiving phone calls before XXXX XXXX and after XXXX XXXX of harassment, profane, abusive and vituperative language, threats of jail, prison, violence, and death from Financial Assistance , IncXXXX, Debt Collection Representatives in regards to a debt collection account from XXXX XXXX XXXX XXXX for {$360.00}. The debt collection account is not my account and is the result of identity theft. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

On XX/XX/2014 my identity was stolen. Since then I have been trying to recover from the identity theft. I recently found out there is multiple credit cards, loans, car loans, and bank accounts in my name. I have filed a report with the XXXX XXXX XXXX XXXX XXXX case # XXXX for identity theft. They recently advised me that they do have a suspect that is using my identity. I did not give permission for this person to open up accounts, use my name, use my date of birth, and social security number. I would like my credit report to be cleared from those debts.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WESBANCO BANK, INC. (OH)

A company called XXXX Bank contacted me saying I had an account with them and they wanted me to sign up for online banking. I have no such accounts. This is the second time someone has tried to open an account in my name the first time it was caught and shut down by the company. I will try to shut this one down as well but I'd like to stop the problem before another one is opened
Consumer complaint received 2022-12-02
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. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

I requested financing for a product that took months to be delivered and the machine was not working and incomplete, They promised accessories that I never received. I contacted affirm several times and they did not want to refund me.