davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is AGAIN, continuing it well documented XXXX XXXX negligent reckless XXXX suppression conduct. Per the attached documentation, I was provided with a modification of my mortgage Equity line of credit XX/XX/XXXX to start with the trial payment of {$580.00} XX/XX/XXXX. I accepted the offer and have made EVERY payment on the trail period, and the actual approved equity line modification to date XX/XX/XXXX. 

The previous monthly payment amount of as shown on the attached XXXX credit report dated XX/XX/XXXX was {$1600.00} per month which NO LONGER existed starting XX/XX/XXXX per the loan modification approval letter, and above mentioned payments ... 

On my most recent credit report dated XX/XX/XXXX, Wells Fargo is showing me as paying late from XX/XX/XXXX to XX/XX/XXXX which is incorrect relative to the attached  loan modification approval letter document, and equity line mortgage document agreement signed between us!
Consumer complaint received 2017-09-09
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. (MN)

My personal financial data was breached and an untimely notification was given to me ( it had been exposed for several months ) by Equifax. I am now at greater risk of identity theft / fraud as a result of negligence on Equifax 's part.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XX/XX/XXXX This account was charged off on the following date XX/XX/XXXX. The date of first delinquency illegally being changed. Should reflect the first 30 day past due notice on XX/XX/XXXX, but status was updated XXXX XXXX.Which is illegally reporting. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I have sent in documents showing I was incarcerated during this loan and didn't make this purchase. our company and Furnisher keeps verifying information and not updating and looking at the facts. 

You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX for {$22000.00}
Consumer complaint received 2017-09-09
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. (CA)

On XXXX XXXX XXXX Atlanta-based credit reporting and technology company Equifax said a cyber security incident may have exposed to criminals the personal information, including Social Security numbers, of approximately 143 million U.S. consumers. 

Unauthorized access to the information occurred from mid-XXXX to XXXX, says the website setup by the company, and was discovered by the company on XX/XX/XXXX. 

On this same website, https : //www.equifaxsecurity2017.com, and individual can check to see if their information was potentially affected, which, according to the company 's own site ; my information was. 
Upon discovery of this, I turned my attention to my state 's Attorney General, whose website lead me here. 

I have not signed up for the free credit monitoring ( TrustedID Premier ) they have offered, as this may force me into arbitration, as per Equifax 's Terms Of Service agreement.
Consumer complaint received 2024-08-02
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX and Account Number : XXXX .... has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-08-02
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. (NJ)

I am writing to file a complaint against the three major credit bureaus - XXXX, Experian, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United States Code 15.

According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices.

Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies.

I would like to bring your attention to the following disputed items on my credit report : Account 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 XXXX XXXX These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory.

In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated time frame. 
Thank you for your attention to this matter.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

last XXXX i pulled my equifax credit. since then i have purchased nothing and not been late on anything. today i was denied credit because of equifax. today they are not providing my credit report and are insisting that i MAIL in photocopies of my SSCard and Utility Bills. I am in the system, something is going on with my credit and i am being treated unfairly. TIME IS OF THE ESSENCE.
Consumer complaint received 2024-08-02
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. (MD)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-03
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. (MI)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

If i knew my repayment options and that I could even make XXXX payments a month i would have done it.all i got was emails stating if i wanted to use the forbearance option type something and my loan was extended,. I recently made the call myself to find out what was going with my loan and came to found out im 3 times more in debt. i have been so stressed out thinking about how i will pay.i wish i was told about how much loan amount was increasing due to forbearance.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2017-09-09
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. (CA)

XXXX XXXX, XXXX - Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I went to XXXX and check if I was affected by the Equifax leak XXXX The website says yes and it asked me to enroll in TrustedID. However, according to the Terms of Use at XXXX : XXXX, the arbitration clause states : AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. 

I did not complete the enrollment of TrustedID because of this unethical clause.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Someone broke into my home and had access to my phones and all records. They hacked my bank account and opened a new debit card in my name and set up their own pin. They then used about {$12000.00} and the bank is denying my claims saying since it was done with a pin there is nothing they can do - XXXX XXXX XXXX XXXX XXXX during this entire time that all the money was spent.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (HI)

- On XX/XX/XXXX, XXXX XXXX Bank ( XXXX ) charged me {$75.00} for a foreign currency transfer of amount {$7300.00} from my checking account. 
- On XX/XX/XXXX, my family member informed me that Industrial and XXXXXXXX XXXX XXXX XXXX ( XXXX ) notified the money can not deposit into the Beneficial 's account, due to local policy that they are not able to withdraw afterwards. 
- On XX/XX/XXXX, the deposit was never deposit into Beneficial 's account. 
- On XX/XX/XXXX, I went to XXXX requested a wire transfer recall. Charged by XXXX {$35.00} for the recall. 
- Beneficial went to XXXX local bank and confirmed the deposit is back to the sender. 
- Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to request further information, including wire transfer trace, being informed that the middle agent Well Fargo haven't response any info back to XXXX. 
- No other follow up action was proceed due to the long waiting period without any response from middle agent. and no information has been provided where is the deposit money is? Has been hold my saving without a proper explanation. 
- Customer being told every single time when she try to reach wire transfer department, this is internal department, contact with customer service, customer service say contact with the local branch who did transfer, contact with the local branch, being told wire transfer department doesn't have any follow up. Customer is being in the dead circle with XXXX. 
- Wire transfer Money won't just sitting there and be gone, XXXX need to follow up with customer to deposit the money back to her account.
Consumer complaint received 2024-08-03
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. (TX)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I opened up a bank account under an offer for a {$350.00} opening bonus but have not received the bonus despite multiple phone calls with the bank. I met all the requirement : I opened it online ( " You can open online '' per their website copy ) within the relevant time period, met the minimum balance requirements, and completed 5 bill payments by XXXX/XXXX/16. I was supposed to receive the {$350.00} bonus by XXXX/XXXX/2016, but still have not as of today, despite multiple phone calls and promises to investigate.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

Experian Report Number XXXX I have found numerous things wrong with this account on my report. 
On page 30, account XXXX XXXX XXXX In Account Info section : Recent Payment information is missing. Original Balance information is missing. Highest Balance information is missing. 

In the Payment History section : All information from the opening of the account through XX/XX/2022 is missing. Also, the missed payment dates leading up to the charge off date are missing. It goes directly to charge off without showing what lead to the charge off. 

In the Payment History Guide : All information from the opening of the account through XX/XX/2022 is missing. 

In the Balance Histories section : All information from the opening of the account through XX/XX/2022 is missing. Also, none of the dates in the Date column match any of the dates in the Paid column. This is misleading and inaccurate. 

Please correct all of the information listed above or delete the account from my consumer report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2017-09-09
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. (MO)

Hello, Experian has mishandled the personally identifiable information, including name, addresses, Social Security Number,  and more, of myself and millions of other people. According to XXXX XXXX XXXX XXXX XXXXXXXX ), this was caused because of a vulnerability in XXXX XXXX, though it 's unclear if this was caused by a vulnerability discovered in XXXX or XXXX. If this mishandling of PII was caused by a vulnerability discovered in XXXX, this data breach exhibits an extremely unacceptable level of adherence to modern security practices. If this was the result of a vulnerability found in XXXX, while Experian was using the product of a vendor, they have still a lapse in security practices by not adequately penetration testing their services or checking for data scrubbing/data injection. 

Experian has made no attempt to directly contact me, even though they have effectively disclosed information required for me to be a victim of identity fraud. Their credit monitoring service, XXXX, is only offered for a small period of time even though I 'm subject to be a victim for identity theft for as long as my name and SSN are used as identity verification methods. Additionally, this breach is reportedly months hold, having been discovered in late XXXX, meaning my PII has been publicly disclosed for months now before Experian notified anyone of the breach. Top executives at the company sold millions worth of shares days after the breach was discovered by the company ( https : XXXX ), though they claim they knew nothing of the breach, which is even more concerning ; how could the company 's top executives not know about the largest security breach of the decade? 

My propensity for being a victim of identity fraud is now permanent. I would like to see Experian offer free credit freezing without a police report and free credit monitoring for the rest of my life. I would like to see Experian actively test their systems in the future for vulnerabilities, and notify consumers directly when they could be potentially impacted.
Consumer complaint received 2024-09-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: V and H Portfolio (TX)

I was contacted by XXXX and XXXX. The woman on the phone began yelling at me immediately stating I owed a debt. She then hung up me after saying they had been attempting to collect money owed to XXXX XXXX. This was the first phone call they had made to me. 

The debt is now on my credit report. There are also 2 collection companies trying to collect on the same debt.
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I wired {$4500.00} to coinbase to credit to an associates account. Coinbase rejected the deposit and said they returned my funds. Coinbase has been contacted about the missing funds but they have not returned the money nor have they been in contact.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

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!