davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit 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: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/XXXX your front door ran my plum american express credit card # XXXX for around XXXX dollars from a merchant account called your front door which is located in california. I did not sign anything to authorize this charge. a couple weeks later the merchant account " your front door '' aka XXXX XXXX assured me he would offer up a refund in which this was never done. I have disputed this charge multiple times and each time american express doesnt give me any answers but they will not reverse this fraudulent charge. Since then I have had to file a civil lawsuit against XXXX XXXX and your front door and had meetings with the FBI in which they agree this is complete fraud. Because of this american express has closed down all my accounts and reported me to a collection agency in which this has tanked my credit and has ruined my financial well being because they have not investigated this matter properly. I want this off my credit and thoroughly investigated with the fbi as this has been complete fraud and not good business. XXXX the credit card company has said they disbursed the money to the merchant XXXX XXXX and I have still not have gotten a refund. I will have to take legal action if this is not resolved soon. below are attachments showing communication between the merchant, XXXX  the credit card processing company and it clearly shows that XXXX of them are withholding this money and I am the one suffering from this. My lawyer and I have many more attatchments to prove this is a scam and would be more then happy to send them over. I have tried to resolve this multiple times and everyone at american express just transfers me to another department that cant help me and even XXXX gal said that they cant do anything because stripe has the money but as you can see via the attatchments the merchant would have recieved the money XX/XX/XXXX. this should be investigated with the fbi and if this doesnt get resolved legal action will take place.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also remember that charge off accounts are treated as income since a 1099 was submitted in relation to the charged off account and income may not be reported on a consumer credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (AZ)

I have been attempting to retrieve my funds from my account via American Express Serve since XXXX. I have attempted to request a replacement card with no help. This account has also been charged {$5.00} per month in fees. The representatives are stating " I can not replace your card without first having your previous card number. '' I have explicitly stated that I did not receive the card ( which also means I do not know the card number ). I have tried AmEx National Bank, Serve phone numbers with absolutely no resolve. I am asking to be made whole with this account. This is becoming an issue of theft. There is no live representative to speak with outside of the card replacement phone number. It will not allow me to transfer the money, order a new card, and/or pay another Serve customer.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (NJ)

XXXX Bank is showing XXXX late payments on my credit report from almost 7 years ago. I never had a XXXX Bank XXXX XXXX, and i've been trying to get these off for 7 years as it ruined my credit and caused a lot of financial distress. i'd like these late payments removed promptly.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I am writing to formally dispute the late payment appearing on my credit report for the account with Citibank XXXX account number. This entry, reported on XX/XX/2024, results from a billing error, which falls under the protections provided by the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I contacted them numerous times and feel like Im being bullied for their errors.

According to the Act, consumers have the right to dispute billing errors, including those that result in late fees or incorrect reporting to credit bureaus. The late payment is inaccurate because I was never provided with the correct billing statement on time.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act, I respectfully request that this inaccurate late payment entry be investigated and removed from my credit report.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (LA)

I recently checked my credit reports XXXX, XXXX, and XXXX and noticed a collection account from Diversified Adjustment Service , Inc # XXXX that's demaging my credit reputation. I have no knowledge of Agreements for these accounts It is illegal for them to continue to collect these debts. I'm not saying it's fraud or identify theft I'm not saying it's not fraud or identify theft. I have no information or knowledge about these debts soI would like themy to send these debts back to the original creditor. I don't even know if what they saying I owe is even correct. I don't know anything about these debts.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (UT)

On XX/XX/year> XXXX, my check came in, I went to check my balance and saw that I only had {$48.00} well. I called the bank to ask what was happening and they told me there were XXXX transactions on my account and they gave me a phone number for the place that did the transaction canceled my card and told me to call back and tell him what I come up with will. I called the number and it was Pennsylvania 's licensing state licensing liquor. Department, and I've talked to them plenty times and they need a statement showing them what was taken for me, and how much the bank also took a {$110.00} themselves with no explanation. Why well, since they canceled my card, I've been trying for XXXX solid days. I can't get a life person on the phone. When I do get through it tells me. Call it non peak hours and hangs up on me. All my money was shaken by {$45.00} and I need. The company is willing to give it back to me if I can get what I need from the bank. But the bank I can't get through
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear CFPB Representative, I am writing to dispute the recent verification regarding an account listed under XXXX XXXX XXXX. My initial request for validation was not fulfilled, as only a verification was provided without any supporting documentation to confirm this debt is legitimately mine. Since I am a XXXX, and to avoid potential confusion or misattribution, I demand complete validation in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed account : Account Information : XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax ) Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX Balance : {$650.00} High Credit : {$650.00} Payment Status : Collection/Charge-off ( 120 Days Late ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Comments : Account disputed by consumer reported by subscriber. 
Account seriously past due/assigned to attorney, collection agency, or internal collection. 
Consumer disputes this account information. 
Requested Validation : I request the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
Documentation that proves XXXX XXXX XXXX has the legal right to collect on this account. 
A detailed payment history, including evidence of the last payment made. 
If you or the creditor can not produce this information, I expect this account to be immediately removed from my credit reports. Furthermore, I demand all collections activity cease until proper validation is provided. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Failure to respond adequately within 30 days will result in further action, including filing additional disputes and complaints. I look forward to your prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-04
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. (CA)

according to the fair credit reporting act 15 USC 1681 section 602 a states there is a need to insure that consumer reporting agencies exercise fairness, impartiality and a respect for creditors rights to privacy XXXX XXXX XXXX transunion are third parties reporting agencies that share which is backed by 15 USC 6801 which states it is the policy of the congress that each entity must adhere to these laws that protects customers, consumers, and creditors-me! and that the information is confidentiality of those customers non public personal information I have opt out from receiving any promotional, marketing, and or my information shared with other entities without my permission and this is a vioaltion
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (PA)

To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on your paid subscribers ( vendors ) platform. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report Police Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 
Kind regards, XXXX XXXX XXXX SSN : DOB :
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MS)

i sent XXXX XXXX XXXX XXXX  certified LETTER ON XXXX, requesting deletion of the inaccurate account they are reporting on my credit, the account was charge off from XXXX XXXX XXXX  which i should have received a 1099-C, per IRS to file on my taxes as income, Income can not be reported on my credit report which constitute a violation of the FCRA.and for them to cease and desist from all mediums including credit reporting I sent SYNCBXXXX XXXX  a certified XXXX on XXXX requesting my copy of the 1099-C that was charge -off with this account so i can file it on my taxes as well. 

I ALSO SENT A LETTER TO XXXX REQUESTING DELETION OF THE INACCURATE ITEMS AS WELL
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I filed a claim with Wells Fargo because funds were taken out of my checking and credit card account. Wells Fargo used shady dishonest tactics to avoid my claim. Wells Fargo has many pending lawsuits because of shady banking businesses. I was recently contacted by a law firm who is subpoenaing me to testify against this shady bank. I have provided Wells Fargo with voice video recording evidence of a scammer who keeps calling me leaving me messages claiming he is an employee of Wells Fargo. As of today Wells Fargo failed to respond. Wells Fargo is intentionally ignoring my concerns because its a dishonest bank. I am attaching these voice recording messages as evidence. I am not being represented by an attorney at this time. I look forward to appearing in court to legally and lawfully bringing this XXXX XXXX XXXX crooked bank to justice. Please listen to voice recording attached.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I sold a property with a mortgage held by XXXX serviced by XXXX ( https : //lakeviewloanservicing.myloancare.com/ ) on XX/XX/XXXX. 
The loan payoff made was {$170000.00}, though only XXXX was due on XX/XX/XXXX resulting in an overpayment of {$210.00}. 

Due to a cybersecurity incident, XXXX serviced by XXXX was unable receive or process payoffs. Please reference https XXXX XXXX  for information on the incident. 

Due to this, XXXX did not apply the payoff to my account until XX/XX/XXXX and charged me for 4 days of additional interest totaling {$29.00}. 

I contacted Customer Service on XX/XX/XXXX and was informed that due to the cybersecurity incident, their systems were still down and they were unable to review information, so please call back tomorrow. 

On XX/XX/XXXX I contacted them again and was told that they could see that the loan was paid off on XX/XX/XXXX and that they would open a ticket to review the account. 

On XX/XX/XXXX I contacted Customer Service and I was told that the payment date was when the payment was received. I challenged this as their inability to receive payments should not make me liable for additional interest. The representative had a just deal with it attitude until I said that I would file complaints with the CFPB and my states AG if he didnt take it seriously. An escalation ticket was opened to review the account and I was promised a response within 10 days. 

On XX/XX/XXXX I contacted customer service as a response was not delivered within the committed timeframe. The first representative stated that the ticket was closed, but after being passed to a second representative I was told that the issue was still under review. I asked when I should expect a response since the initial commitment was not met, but she refused to provide any form of a timeline. 

At this time I have not received any of the overpayment of {$210.00} back.
Consumer complaint received 2024-08-31
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. (CA)

When I looked in my credit report, I was confused to see multiple months that are inaccurate that I was on time for. I always look to make timely payments, these are clearly not 100 % accurate. I demand that the payment status are removed and updated to on time for the months that are clearly inaccurate : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I signed up for Wells Fargo 's forbearance due to COVID 19 starting XX/XX/XXXX. For a period of time I was unemployed and trying to make payments, but unable to find a new job and signed up for the program. When I was able to find a job and catch up on bills, I wanted to make payments toward the past due amount to catch up before I was ready to resume normal payments. I have been doing so since XXXX of XXXX. Wells Fargo failed to fully communicate the fact that payments would not be accepted towards the unpaid amount until they totaled a full monthly amount. Example : If my monthly payment was {$1000.00} and I paid in {$800.00}, the amount paid would not be applied until I came up with the extra {$200.00}. 

Further more after the forbearance ends the {$800.00} still would not be applied, making it that much harder to catch up. Should Wells Fargo done a better job at communicating this, I would have been able to plan for this better. I feel this hinders my ability to recover financially from COVID, while Wells can leverage a greater amount of debt for their own interests.