davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (NC)

Originally I had a dispute regarding mattresses that were never delivered. On XX/XX/2019 Welks Fargo applied a credit of {$1200.00}. When the merchant returned the funds, Wells Fargo applied an additional credit of {$1200.00} on XX/XX/2019. All ai see on my account was that I was extended credit over {$6500.00}. I spend some of it. Then on XX/XX/2019, Wells Fargo removes one of them stating they made an error. But I already spent on it. They then said I had an online cash advance of {$600.00}. I have no idea what that was, or how I would have gotten any cash from that transaction. If I wanted/needed cash I would have gone to an ATM to get cash in my hands. I did not request any online cash advance They then charged me an overlimit amount of {$750.00} and demanded I pay over {$900.00} as a minimum payment, which was well out of my budget. This adversely affected my credit. 

They have since refused to fix these issues and are now suing me for {$7700.00} and change.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (IN)

I'm submitting this CFPB Complaint to you today in accordance with the FCRA 's rules to ask that the mentioned account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Balance due : {$11000.00}. XXXX XXXX XXXX XXXX I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and amend this account to reflect legal accuracy.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (OH)

Last month, I received a notice from JPMorgan Chase that the interest rate on my credit card that I have had since XX/XX/XXXX would increase. This increase they state would align the interest rate with other comparable credit cards that the firm offers. This is the product that is now called the XXXX XXXX card. When I opened this account, I was an employee of the XXXX and the XXXX solicited the card to all employees with an employee interest rate that remained at 9-10 %. They allowed balance transfers over the year. Naturally I moved balances to this card and do carry a balance because it had the lower rate. Starting end of XX/XX/XXXX, any future charges will assess the higher rate. As I was forced into retirement by the XXXX after more than 40+ years employed with them, I find that first they changed two conditions not just one condition. They only communicated the change around the interest rate and did not communicate the condition that the employee rate would no longer be honored. I can no longer use this card due to the increase in the interest rate now and I feel JPMorgan Chase did not communicate to those that have had the card for a very long time under the initial card agreement and that the card no longer is an employee discounted rate credit card.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I had a Wells Fargo mortgage starting in XXXX. Paid off now. But in XX/XX/XXXX I started getting sick with a XXXX that left me out of work and no income for a long period. As it onset I called WF to see options we had since I could not pay the loans on time. I was told to sell or refinance buy a deferment was never an option. I was given a terrible time through phone support. Even while in a wheelchair for 3 months of treatment and rehab I was being criticized for sound money spending to make a payment even though I had no income. I had 2 other companies i had vehicle loans with and immediately they did a deferment. Not WF. Until I had missed 3-4 payments would they even consider talking about things. We missed somewhere around 6-8 payments. When I started back I was in arrears and they started the foreclosure process and had to pay the full amount to avoid foreclosure. Even though I was still, and am, XXXX from my XXXX they wanted every penny at once. Sell, or foreclose. So I had to borrow the money from a friend to pay it off to avoid losing. My credit was so bad from lack of work and income that was the only way to get the funds. Took me a year to pay the friend as I had all.my other bills to catch up on from such a long absence of work. They were awful the whole process. I had other issues on the loan and paperwork as well. After my experience, even just the paper work and competency of the loan process, I would never do a loan or recommend to anyone. It was a horrible process. We finally had to sell due to the financial burden. So goodbye WF and that ordeal. I could do more detail but that gives you an idea of our ordeal. I may never work or walk again when I was in the hospital and my biggest concern was Wells Fargo and losing my home wh8le going through treatment and physical therapy. The stress was horrible. And almost every person I spoke too did not seem to care. The lecture I got about my financial state was the kicker. I told the lady on the other end when she was paralyzed in a wheel chair and may never walk or work again, and about to lose all she had then she had the right to judge me and criticize my situation. All thumbs down and frowns for Wells Fargo!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. XXXX XXXX ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. 

I have supporting documents stating this COLLECTION WAS TRANSFERRED TO XXXX XXXX XXXX XXXX XXXX XXXX DELETED THIS COLLECTION OFF MY REPORT. HOWEVER, IT STILL SHOWS XXXX XXXXXXXX ON MY CREDIT REPORT. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

To Whom It May Concern, I am writing to formally address and seek clarification regarding the current status of my credit file with Equifax, which lists a " fraud victim ( associated with trade ) Report Blocked for Promotional purposes " without an active fraud alert. It is essential to understand the basis for this status as I have requested removal of the active fraud alert on my credit file and there is no active fraud alert at this time according to Equifax.

To assist in my understanding and to ensure accuracy in my credit report, I respectfully request the following : Clarification of Fraud Status : Please provide a detailed explanation of why my credit file is marked with a fraud victim, including the specific criteria or information that led to this designation in the absence of a fraud alert.

Correction Request if Applicable : If this status has been applied erroneously, I request that Equifax immediately remove the fraud status and provide a corrected version of my credit report.

Documentation of Any Related Notifications : If any notifications regarding this designation were sent, please supply records or documentation of when and how I was informed of this status update on my file.

Please respond to my request within the timeframe specified by the Fair Credit Reporting Act ( FCRA ) and provide any additional information relevant to understanding and, if necessary, resolving this issue. I expect that Equifax will take appropriate action to ensure my credit report accurately reflects my credit status.

Thank you for your attention to this matter. I look forward to your timely response.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

Several months ago I tried to close my Citibank Costco Anywhere Visa card. I have not used this card in years, received a statement for my " automatic '' Costco membership renewal, and called to cancel both the credit card and my Costco membership. After at least a dozen phone calls, I was finally able to cancel the Costco membership and thought I had gotten the credit card zeroed out and closed, but no ... I keep getting statements for {$2.00}, now {$3.00} and they just will not get this right. Please tell them to zero out this account and to stop sending me statements. They do not and will not listen to me. 

Also, please stop allowing companies to force customers into automatic renewal situations. Not only is it a time-consuming nuisance for those persons who are fully sentient and do not wish to continue, but an impossible situation for those persons who are no longer fully sentient. And an automatic renewal is not always an immediately-detectable situation to caregivers and guardians. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-03
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. (KY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-02
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX my chase freedom credit card was charged {$2000.00} for a transaction I did not autherize. I disputed charge on XX/XX/XXXX. When I contacted chase to dispute they did not reverse card stating chip was used and I had the card after. When I requested any information pertaining to purchase, even a receipt I was given nothing. I asked that it be reviewed and escalated. I was told I would hear something in about 2 weeks and never heard back. I called back at the end of XXXX because I never heard back. I was then told it was escalated but never reviewed. This is MONTHS later. I was again told they were not investigating because it was a chip purchase even though I did not make the purchase and have no idea where the purchase came from. I closed the account at this point because of the horrible horrible customer service. This is unacceptable and they have done absolutely nothing to resolve it.
Consumer complaint received 2023-06-03
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. (MD)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-06-04
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. (OH)

My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX LATE # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

On XX/XX/year>, a mass data breach and my social security number was impacted along with XXXX XXXX US Citizens and victims. I am invoking 15 USC 1681 for my social security number being stolen and hacked for unusual purposes that prevented me from getting a home loan on XX/XX/year>. Ive been trying to get paperwork from the companies below to state my innocence but to no avail. Listed below are the private information exposed and used against me. Hence me invoking my right on 15 USC 1681. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXXXXXX XXXX XX/XX/year> Amount : {$97.00} Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XX/XX/year> Amount : {$230.00} US Department of Education XXXX XXXX XXXX : XX/XX/year> Amount : {$32000.00}
Consumer complaint received 2023-06-03
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. (FL)

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

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

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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; 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
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (CA)

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 XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry 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