davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (MI)

I requested a removal of my escrow account XX/XX/XXXX and by the XXXX I was denied. I have 45 % equity in my home and have never paid a bill late. I own a local real-estate brokerage and am VERY familiar with how this works. My escrow holding keeps going up while the small increases in my taxes and insurance do not add up to what the increase is. I was NOT contacted to pay an escrow shortage to give me the options of keeping my payment I was just raised. My payment has gone from $ XXXX XXXX and something starting next month. I will spend this time shopping insurance rates and verifying with the city my assessed value. Also, I would like to add that Chase has yet to pay my taxes OR insurance on time ... ONCE. I just hung up with the city and my summer tax bill was due XX/XX/XXXX and was paid 18 days later causing my house to be on a foreclosure website. If consumers are to be held to perfection standards of on time payments and equity than financial institution should be as well. I want my escrow removed and I want to handle my own money.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

When I call PayPal XXXX  this company comes up on the callers id XXXX XXXX XXXX XXXX. I tried to get the my old cell number back I was registered with XXXX XXXX XXXX as owning a business which I don't have It was something shady here. Which has a lot to do with me not getting my account back. 

Acct # XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (NY)

Pioneer Recovery They falsely represented the IRS stating they had a debt of {$560.00} and that they were going to garnish my paycheck to get said debt. I asked him to stop calling me. Lets talk by written or male direct mail to send me the purchasing agreement and a wet signature for this debt. I was told by the representative since you wont give me any information I cant give you any information. Have a nice day XXXX end of the statement this phone call was XX/XX/year>.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2015-04-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute several inquiries that appear on my credit report I did not initiate or authorize. Furthermore I have asked Experian to contact each of this companies to request proof of me requesting credit or completing credit application. I would like for all inquiries highlighted on attached credit report to be removed
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I am writing to report violations of EFTA and Regulation E by Wells Fargo Bank ( " WFB '' ). WFB has refused to comply with EFTA and Regulation E.

I contacted WFB 's customer service department, by phone, and reported my Visa debit card lost or stolen on XX/XX/XXXX or XXXX, XXXX. This card is linked to my checking account with WFB. When I discovered an unauthorized charge in the amount of {$300.00} from XXXX XXXX, I contacted WFB 's customer service department again and reported the charge as unauthorized. 

On XX/XX/XXXX, I received a letter from WFB stating the charges were authorized. I called WFB again and requested all information and documentation used to make this determination. My request was denied and WFB refused to provide any documentation. 

On or about XX/XX/XXXX, while reviewing my online statement on wellsfargo.com, I noticed several unauthorized charges dated XX/XX/XXXX, and XXXX, XXXX. I contacted WFB to report these charges as unauthorized. On XX/XX/XXXX, I received a letter from WFB stating the charges were authorized. I requested all information and documentation used to make this determination. WFB denied my request and refused to provide any documentation or information.

I appealed the decision through WFB 's Consumer Advocacy Department and this department confirmed WFB 's original decision without providing any explanation or documentation that would support their decision.

The unauthorized charges I reported to WFB were for merchants I have never heard of and have never patronized. One of the unauthorized charges in the amount of {$520.00}, was from a company called XXXX. When I reported this unauthorized charge, I informed WFB that I did not have anything nor have I ever received anything from XXXX. No receipts for the purchase and no documentation confirming the purchase of a product or service from XXXX. Despite these facts, WFB stated the charges were authorized. 

WFB has refused and continues to refuse to provide any information or documentation to support their decisions. WFB is deliberately and fraudulently not complying with EFTA and Regulation E and continues to do so in my case.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Omni Financial Corp. (GA)

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks,
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates LLC is a collections agency entity that didn't verify the XXXX XXXX account belongs to me and was sold illegally to them. Under the FCRA, the entity must remove immediately from all credit bureaus any unverifiable account and/or information. Such pertinent information can not be sold without my consent either.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Mitigation Services, LLC (DE)

I was contacted by a credit collection co. that said I owed money for a loan from a bank. 
I never had a loan with this bank/lending institution. They had my social security #. 
Someone is using my personal info to get credit/loans
Consumer complaint received 2024-08-08
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-17
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: DISCOVER BANK (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Best Buy concerning a recent transaction that remains unresolved despite my efforts. 

On XX/XX/year>, I received a package from Best Buy via UPS. Upon opening the package, I found it to be empty except for three water bottles. The item I had ordered was the XXXX - XXXX XXXX XXXX XXXX XXXX for XXXXXXXX XXXXXXXX, valued at approximately {$860.00}. I have a comprehensive video recording that clearly shows the package was empty except for the water bottles. 

I immediately contacted Best Buys customer service to report the issue and request a refund. Despite providing evidence of the empty package and making multiple attempts to resolve the matter, Best Buy has refused to issue a refund or offer any form of compensation. 

Additionally, I disputed this charge with XXXXXXXX XXXX XXXX hoping to secure a chargeback for the undelivered item. However, XXXX also refused to grant the chargeback, leaving me without recourse through both the retailer and my credit card issuer. 

Given these circumstances, I am seeking the CFPBs assistance in resolving this issue. I request that Best Buy be required to process a refund for the undelivered item. Their refusal to address this situation appropriately, combined with the denial of the chargeback, has resulted in significant inconvenience and financial loss. 

Thank you for your attention to this matter. I look forward to your assistance in facilitating a resolution.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX Renewal Month-XX/XX/2015- {$110.00}. Called XXXX XXXX-Ext. XXXX on XX/XX/2015. Canceled XXXX account, then canceled American Express card ( XXXXSupervisor ). Paid my last AE statement-closing date XX/XX/2015 in for {$85.00}. Told nothing more to do. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX on XXXX. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX. Received AE statement-XXXX-balance of {$130.00} ( fees ) -disputed with Supervisor XXXX ( ID XXXX XXXX ) -Reference Number XXXX. Received AE statement-closing date XX/XX/XXXX {$100.00}.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-15
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. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (GA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are causing significant damage to my credit file and are severely hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have resulted in immense hardships for me, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a comprehensive investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

i have incorrect information on my report including addresses and places of employment my correct address since XXXX  has been XXXX XXXX XXXX no other is valid. my employer is only XXXX. no other. please correct this inaccurate information on my report
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS A-1, A-2, & B-1 Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED and or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS A-1, A-2, & B-1 Attached ) and XXXX ( SEE EXHIBITS A-1 & B-1 ) have both CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A-1, A-2, & B-1 Attached ). XXXX and XXXX have clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, XXXX  and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.
Consumer complaint received 2024-08-08
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. (IL)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-10-15
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. (FL)

I have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CT)

I started an inquiry to the company XXXX XXXX as I am interested in the process for purchasing my auto lease. I entered my contact information but did not select the button to authorize a credit inquiry and closed the site as I was not ready to move forward with a loan at this time. Shortly after I received multiple emails from XXXX, XXXX and XXXX XXXX that there had been new inquiries on my account. I was surprised as I had not authorized anything. I then got a text from XXXX XXXX, who said they were having trouble pulling my credit as it is frozen. I froze it deliberately because of recent record breeches and to protect my identity. The company somehow went around the freeze and pulled my credit report on behalf of four different lenders, resulting in four new credit inquiries. I texted the associate and informed them I never authorized a credit inquiry nor did I complete a credit application. They informed me it wasnt a big deal and it should only impact my score by 3-4 points, but they would have someone higher up look into it. I informed to them they need to report this error to the credit bureaus, and now I have not heard anything back. This all occurred on XXXX, XX/XX/XXXX.