davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (CA)

In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with XXXX XXXX XXXX ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.
Consumer complaint received 2023-06-01
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. (TX)

I submitted a prior complaint to you reference number is XXXX, on XX/XX/2022 and my compliant was not resolved, I resubmitted my dispute to the credit bureaus, and I received an update from the credit bureaus online saying that the accounts I am disputing accounts XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I requested that they forward me all the documentation in regards to this investigation, this account is inaccurate and my consumer rights are being violated because the credit agencies are refusing to answer my request to provide me via US Mail all documentation in this investigation and the methods used to verify these erroneous accounts.
Consumer complaint received 2023-06-01
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-01
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. (WI)

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2021-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

After two failed attempts to make payments to my property management companies. Citibank blocked my checking account on XX/XX/XXXX and refuse to unlock or state any reasons. I tried calling the support as well as visit the local branch for assistance, and yet unable to get a clear explanation why my account is blocked. I was only advised I will be receiving a letter in the mail within a few days.
Consumer complaint received 2024-11-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ascent Holding Co (PA)

I had previously taken XXXX loans out with Ascent Funding LLC. Despite roadblocks on Ascent 's part such as refusing to provide pay off loan documentation, I was able to refinance the XXXX loans from Ascent with another servicer at a much better interest rate. In email documentation with my current refinancer, I was told that Ascent received and processed the check for both loans covering the amount the total amount owed. The check was processed and received on XX/XX/year>. Based on the information provided by my refinancer through email, the XXXX loans were identified along with other pertinent information. Ascent has only closed one of the loans and has kept the second loan still open and active. It is still accruing interest and they are attempting to collect on a loan that was paid off. On XX/XX/year>, Ascent was contacted through phone call regarding the previously mentioned issue. Ascent had agreed that a mistake had been made and would be resolved within XXXX business days. I also provided screenshot documentation of the email sent to myself by my current refinancer stating the above information. Ascent was contacted once again on XX/XX/year> regarding the issue not being resolved. Ascent reaffirmed me the issue would be resolved and I would be contacted the following week. I was not contacted, therefore I once again reached out on XX/XX/year>. It was agreed that this issue would be resolved by Friday XX/XX/year>. It has not been and there is a balance still being showed owed to them and it is still showing on my credit report.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is negatively impacting my credit card credit limit because of forbearance on my mortgage. We need CFPB to help protect consumers like me against this. 

Today XXXX/XXXX/20 I was unable to charge my payments at my grocery store on my Wells Fargo Credit Card. I called Wells Fargo and was surprised my credit line was decreased from {$13000.00} to {$4100.00} on XX/XX/XXXX. I had been making on time minimum monthly payments to my 0 % credit card. I had also checked my credit score a few days ago and my credit score improved since when I had received my credit card from Wells Fargo. I had explained this to customer service as well as their credit line risk department, and wanted to understand why my credit line decreased. I was told Wells Fargo uses an internal risk management process which does not rely on credit score. This risk management process was arbitrary, and I asked to speak a risk management manager. When I got the call back later on XXXX/XXXX/20, I was told risk management takes into account that I submitted my forbearance on my mortgage at Wells Fargo in XXXX. And even if the decrease in my credit was wrong Wells Fargo can not restore my credit line because of the forbearance on my mortgage. My understanding is that this goes against the spirit and the letter of what congress intended for the forbearance as well as using credit score to shield consumers from negative impact on their credit standing. Wells Fargo needs to reverse this policy.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.
Consumer complaint received 2024-11-24
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: CITIBANK, N.A. (ND)

I am filing a formal complaint regarding unauthorized charges on my Best Buy credit card, issued by Citibank NA. Nearly {$1000.00} in fraudulent transactions were made to a scam website, XXXX, reportedly based in XXXX and known for fraudulent activity. These unauthorized charges pushed my account over the credit limit. 

I promptly disputed these charges, explaining that I believe someone gained unauthorized access to my personal laptop, which contains my email and credit card information. Despite my explanation, Citibank denied my dispute, claiming that the account on the scam website was linked to an email address I may have owned. This, however, does not prove that I made these purchases, especially since I explicitly stated in my dispute that this access was unauthorized. Under U.S. law, I can not be held liable for charges I did not authorize. Despite multiple attempts to resolve this issue with Citibank, they hav
e refused to reverse these charges or offer any assistance. I can not reasonably be expected to pay for transactions I did not make.

I respectfully request that the CFPB investigate this matter and ensure that Citibank complies with federal consumer protection laws.

Desired Resolution : 1. Reverse all unauthorized charges made to my account.

2. Remove any over-limit fees or penalties caused by these fraudulent charges. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-22
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. (MO)

With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Consumer complaint received 2019-05-21
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: EQUIFAX, INC. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX, XXXX XXXX-XXXX, XXXX   XXXX XXXX
Consumer complaint received 2019-09-09
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: EQUIFAX, INC. (KS)

XXXX XXXX at XXXX who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and Equifax for a violation of the fair credit reporting act and fair debt collection practices act.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

hello my name is XXXX XXXX i own a paypal account so someone i have met month ago for something personal i thought they we're legit so they offered me something for XXXX $ i told them i was not comfortable with sending full payment too them so they told me too do half payment for XXXX $ that when we met up that i can complete the other half of XXXX $ we'll the person would not answer me for 30 mins so they answered said that the payment was pending i did not feel okay with this so i asked the person too refund the payment they kept giving me the round abouts and giving excuses that they needed a other XXXX $ so that the payment and there account can take the money and the payment too complete.so i have contacted paypal they would not help me with me the issue because the payment was already sent i had proof of being scammed they still wouldn't do anything about it. so today i called you guys i am speaking with XXXX XXXX XXXX he told me too fill out this thing today. 

transaction ID for my payment is XXXX Person Email is XXXX Name is XXXX XXXX they also sent a screenshot showing the payment was pending i also saw a transaction ID AS WELL XXXX I will be including screenshots as well
Consumer complaint received 2019-02-22
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: LEXISNEXIS (FL)

Lexisexis has quoted information to an auto insurance company that is false showing another 's persons name on my records and accidents that were in cars I never owned Also, they have credit reports that have another persons name, inquorate information on the report. 50 % false information from fraudulent files.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist bank had a promotional offer of {$400.00} for a checking account when certain conditions were met. My wife and I both opended a checking account each and have met those conditions a while ago and raised the issue with truist that the {$400.00} bonus has not been received. I have called them, had email communications and also went to the branch. No action has been taken
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AR)

Yesterday, XX/XX/23 I received an email stating that my account with Synchrony Bank had been closed due to delinquency on my credit report involving my mortgage, bank cards with high balances versus the limit, and revolving credit card accounts with high balances versus the limit. I called to speak to Synchrony Bank about this because the information that they have is not correct, and I have had a very good credit history with Synchrony Bank for almost 7 years now. They were not willing to allow me to provide information proving that the info they have is incorrect, and told me that there was nothing they could do to reverse closing the account for no reason. I explained to them that closing my account for no reason would be a punishment to me, because it would cause my credit to go down drastically and would also look like I stopped making my payments and they closed the account for that reason and that is not true. They were not willing to help me and basically told me they do not care. I have been reading alot of complaints online about this same issue with them. I am prepared to sue over this if they are not willing to reverse this decision. My mortgage is not in delinquency. I am on a Covid related forbearance, which was suggested by my mortgage company when I asked them if they could lower my payments due to losing my overtime at work. It was not because I could not make my payments. The one and only credit card that I had with a high balance, has been paid off and just has not been reflected on my credit. The other credits cards that I have ( 2 ) have always been paid on time just like the credit card that I have with Synchrony Bank. Closing my account was not necessary, and I want something done about it.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

I have a credit due on my credit card balance due to an error in over payment of last month 's statement. This account has been closed since last year so I can not use the card to redeem the credit. I have contacted the issuer 3 weeks ago to no response.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.