davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

XXXX XXXX closed my account after i lost my credit cards inXX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything. 

Reporting late on XXXX XX/XX/2022 to XX/XX/XX/XX/2022
Consumer complaint received 2021-06-21
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: WELLS FARGO & COMPANY (VT)

Since my previous case filed with CFPB ( XXXX ) XXXX was in the process of verifying the authenticity of the police report. 

At this time XXXX has spent over a month with this process and just recently has stated to me clearly on the phone their fraud department does not challenge the reports authenticity, officers identify or the details in the report. 

They now state that my XXXX XXXX may have been compromised and for me to spend the time to research this a possible reason for the 'fraud '. I stated clearly I don't have an XXXX phone or XXXX XXXX, because my phone is on an Android platform that only interfaces with XXXX XXXX. 

Previously XXXX indicated all purchases were via a chip card and not a service like XXXX XXXX. 

This claim isn't being covered under their advertise " Zero Liability Protection ''. I've never give authority for any person to use my card or phone to buy anything, so this should be a very simple case, however more and more excuses are being used to make this issue go away.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (FL)

My cash app card was lost ... Once i got my replacement card in the mail i tried to activate said card to access my money and it wont let me. I have made several attempts via their support system and emails ... No responses or any kind of solution.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 inaccurate.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. 
XXXX. XXXX- XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as ate purpose
Consumer complaint received 2023-06-10
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX. Visa card XXXX XXXX XXXX XXXX they ( chase  ) Closed the Account in XX/XX/XXXX. I explained to chase whom I've been a customer since XXXX, that the chargers that was being charged to my account was not mine. I've never exceeded my 10 % usage on any of my cards. But they never resolved the matter and now it destroyed my credit file and score. 

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 These are the bulk of the chargers that was unauthorized. XXXX XXXX XXXX also charged allot of interest in relations with these charges.
Consumer complaint received 2023-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VT)

A company, caller ID and the representative I spoke to says Comenity Bank, continues to try and call my phone number. They are reportedly looking for someone else, I have told them several times that I am not who they are looking for but since I got this new number they have called 15-20 times a day on several different numbers including blocked numbers. I have blocked several of their numbers after telling them the person theyre looking for no longer has this number and they continue to call. Anywhere from XXXX until XXXX. Today alone I have 15 missed calls from them. I am sick of having to tell them over and over to stop calling because I am not who theyre looking for.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I received my detailed credit report XX/XX/2023 and notice there were hard inquiries that do not have permissible purpose being on my credit report. These inquiries are hurting me as a consumer. I contacted XXXX, Transunion, XXXX to remove the inquiries on my credit report, after multiple attempt to informed XXXX that the inquiries were not approved by me, and I had no knowledge of applying/approving hard inquiry, XXXX, Transunion, XXXX still refuses to remove the hard inquiries. XXXX has violated my rights under 15 USC 1681b. I am requesting XXXX to remove the inquiries ASAP.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

Citibank misled me about when funds I transferred into my account from an external account would be available. Using Citibank 's website on Wednesday, XX/XX/XXXX, I initiated an electronic transfer of {$12000.00} from my XXXX Bank checking account to my Citi Accelerate Savings Account. Citi told me via email and on its website that my " estimated deposit date '' was Thursday, XX/XX/XXXX XXXX see attached ). 
Relying on Citi 's representation that my money went through on this timeline, I initiated a credit card payment from XXXX on XX/XX/XXXX. XXXX pulled the money on XX/XX/XXXX from Citi. Citi inexplicably rejected this transfer due to " insufficient funds '' even though my account had the funds in it. 
When I complained via chat in the Citi app last night ( see screen shot ), the agent claimed that Citi had placed a 3 day hold on the funds - meaning they would not be available until XX/XX/XXXX - 6 days after I sent them and 5 days after Citi told me they would be available. But at no point before I complained did Citi tell me about a 5-day delay in the funds availability. I had no reason to believe the funds would take more than 24 hours to arrive. Indeed, Citi 's website still shows ( see screenshot ) that I can make a transfer today that will arrive tomorrow. 

If Citi 's policy is to place a 3-business-day hold on inbound ACHs, it should disclose that information prominently. If that is not Citi 's normal policy, I want an explanation why I ( a long-time customer who has never had a transfer reversed ) was subjected to an exceptionally long hold. I would not have moved my money to Citi that I was using to pay my Chase card if I had known about this delay, and I probably would be less likely to use my Citi account going forward.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (GA)

I am a victim of Identity Theft. The credit card company is called us bank. On my credit report it said it opened date open XX/XX/2022 credit limit XXXX. I reported it as Identity Theft.
Consumer complaint received 2023-06-10
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: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Express XXXX XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX ), has violated several of my rights.

15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann account without my written instructions.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (AL)

This insignificant company -- Ginny 's -- is reporting that I had a 39-day late on an item I never received in which it agreed back inXX/XX/2020 that there was an accounting error. I have demanded this item be removed from my credit report but each time I dispute XXXX lies and states it has been investigated and no update. CORRECT YOUR MISTAKE GINNY 'S AND DELETE THIS BOGUS ITEM. XXXX 's latest investigation : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results According to XXXX an investigation was completed in two days. There was no investigation done in two days. This bogus item from Ginny 's should be deleted immediately. I have never, ever had a 30-day late on any of my accounts with many that have been paid in full. I am surprised at Ginny 's because on record I am an excellent paying customer and often paid in full and keep receiving automatic credit line increases without requesting. I hardly ever use this card because I have other major credit cards that are often paid in full -- no lates, no missed payments. XXXX is the only credit bureau that is reporting this bogus information. It is so irritating that this bogus information will sit on my credit report for 7 years. I will never accept this!!!! The only adverse account I have had in over 10 years. Unbelievable!! Ginny 's are aware they are reporting bogus information because I contacted the CEO back inXX/XX/2020 and not sure why the accounting error has not been corrected -- the start of the pandemic. XXXX has a track record of reporting bogus information and refusing to due proper investigations and follow FCRA laws.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I submitted documentation on XX/XX/2021 and XX/XX/2021 and still have not received a response from Equifax or XXXX.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I was sent an extra day grace period for my account being overdrawn. It says that I have till XXXX XXXX to make a payment so then I dont get any overdraft fees. I paid the whole amount that was overdraft by XXXX XXXX  and today. I checked and the funds were in my account. Today I woke up with two overdraft fees each of XXXX XXXX This when my account was already in a neutral balance of {$0.00} ( previously at XXXX {$44.00} )
Consumer complaint received 2023-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (TX)

I attempted to contact the school numerous times and have submitted all of the accompanying documents to both the school and collection agency. This is being fraudulently reported as a debt owed. The school owes me a refund per Texas TDLR guidelines and is stated in their student handbook. I never entered into a payment plan with the school, was never notified by either them or the collection agency about the debt, despite multiple attempts neither of the 2 can provide a statement of what these charges are and their dates. I never received 90 % of the the course materials I paid for from them and when notified/requesting them sever times, I was dropped from the program and ignored.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (NY)

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items indispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Consumer complaint received 2021-11-12
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. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-06-10
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. (NJ)

I Disputed Bankruptcy on my credit report and ask TransUnion to Verify the bankruptcy. They said that it was Verified it. I also contacted the courthouse to Verify their release policy and the court informed me that they don't give information to anyone with the debtor 's full social number and they don't provide Any credit bureau Any information of any bankruptcy cases. That's a Violation of the Fair Credit Reporting Act. To report inaccurate or unverifiable information on a credit report. FRCA ( 15 U.S.C 1681 Bankruptcy Case XXXX XXXX XXXX Docket XXXX XXXX
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

In XX/XX/XXXX, I renewed a previously purchased ( Prepaid ) Insurance package with XXXX insurance, that included homeowners & auto insurance. The homeowners is paid annually by mortgage company from an escrow account. In XX/XX/XXXX, XXXX cancelled said policy due to non payment from mortgage company. Instead of cancelling the policy flat, XXXX changed my policy and back billed me for auto insurance that was also previously paid and applied my auto policy payment to said change. I did not agree to this change and I disputed this charge with XXXX. 
subsequently, XXXX received payment from mortgage company and issued a new policy effective from the date of cancellation so there was no loss of coverage. but would not correct the billing of {$210.00}. I still dont understand how this is an extension of credit without a finance agreement or credit application. 
In XXXX of XXXX, I received a notice from CCS collections stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to CCS Collections, requesting validation. on XXXX CCS inaccurately reported this account to XXXX and XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. 
Instead of deleting this account as being inaccurately reported, XXXX allowed CCS to Update the inaccurately reported account and changed the creditor to XXXX XXXX. Prior to this CCS Collections report I had a! 00 % payment history and XXXX credit score
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Equifax refuses to recognize that my city of residence is the same as the USPS normalized city for my residence address. My state driver 's license is an official government-issued ID and conforms to the Transportation Security Administration 's Real ID requirements, but Equifax refuses to recognize my driver 's license as proof of my identity. As a result of Equifax 's arbitrary and capricious refusal to recognize a valid state government ID, my access to credit has been delayed and I have incurred unnecessary expense to provide Equifax with additional proof of my identity.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

The ATM machine at Wells Fargo in XXXX NY has been broken fir some time. The machine jams and logs the money incorrectly. The claims department is rude, not helpful and discredits the customer. I am talking about thousands of dollars miscalculated. The bank says-its counted and you got a receiptsorry ( not sorry ). The bottom line is the machine is STILL broken and they claim no way can there be an error because the machine balances the money. The video cameras at the bank should be used to see that this is blatantly not true and see people losing their money. Instead of looking into this-they claim the bank does not own this ATM. In addition, no one in customer service is friendly or helpful. Not even the executive offices. Run away from this bank of you can-its awful.