davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

Thank you in advance for your help. 
On XX/XX/XXXX, when I attempted to withdraw cash from ATM, I noticed there was {$4000.00} discrepancy in my balance on my Pennsylvania US Bank Reliacard, which was issued to me in XXXX when I applied for Unemployment. 
I immediately called US Bank to report this. I was told there were 2 unauthorized fraudulent transactions of {$2000.00}, electronically transferred from this card to a personal checking account, which was obviously not done by me. I was told a fraud investigation would start immediately. 
I was told the card would be inactivated immediately, and it was. 
A new card was sent to me ( {$15.00} charged to me to have it send overnight ) I activated the new card, which was used just a few times. 
A few days later, I received a letter in the mail from USBankReliacard. It said " Thank you for the change of address. It has been updated in our records '' I have NEVER changed my address. I have been living here since XX/XX/XXXX. When I called them, I was told " Don't worry about that letter, it is computer generated, means nothing ''. 
Shortly thereafter, I went to use my card, and it was declined. I called them again, and was told " A red flag was placed on your new card, the money on the card is on hold '' When I asked why, I was told " due to the address change ''. 
I have been calling them daily, have faxed numerous documents to them several times. These documents include Drivers License, W2, pay stubs, etc. They have received everything they asked for, verified on the phone with me. 
As of this date, XX/XX/XXXX, this money is still on hold. 
Every time I call, I get a different person on the phone, with different instructions, different fax #, different stories. 
I spend countless hours just trying to resolve the hold on the money. They also hang up on me, without even speaking to me, due to the extreme amount of calls they are getting. 
I was told that there are 12,000 cards on hold right now, just in PA, due to the amount of fraud that is going on! 
Please help me as soon as you can. I have no money at all. I am sure there are many, many other people in the same situation. It is very sad. I am unable to pay any bills, such as rent, car payment, car insurance, utilities, etc. 
I do realize the fraud investigation can take up to 45 days. When I talk to Customer Service, I am told that is a separate issue. I was also told that I would receive updates concerning the investigation, and have not received anything.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX and XXXX XXXX were approved for a loan modification through Wells Fargo to save their home. 
They were reviewed and found eligible. They adhered to the modification agreement and completed trial period payments in a timely manner according to the stipulations. 
Wells Fargo mailed a letter dated XX/XX/2019 advising they are closing the modification due to title issues. 
This is ambiguous and unreasonable. 
Wells Fargo offered {$300.00} and apologized for the oversight. 
When trying to contact Wells Fargo for some details or resolution, no one can provide an explanation.
Consumer complaint received 2019-03-02
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 (GA)

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX XXXX/XXXX XXXX XXXX. The Removal Date that is stated on the Experian is XX/XX/XXXX. Today date is XX/XX/XXXX, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX
Consumer complaint received 2024-08-27
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EMPOWER Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting ONLINE IN SV Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2019-03-16
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX  confirmed to EXPERIAN by reporting the same violation in a charge-off account and sold to another company a monthly payment ... 
Why do I have to notify you that its a violation to report a monthly payment in a close and sold charge off account.. 
I previously disputed the information with EXPERIAN but as you can see XXXX XXXX XXXX  confirmed the Violation as proof I will attach the picture with the report send to me.. 
XXXX XXXX XXXX reporting monthly payment in charge off account is a violation of FDCPA ... 
Also high balance os higher than credit limit ...
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Equifax added two inquiries to my credit report from the brief period XX/XX/XXXX-XX/XX/XXXX. These inquiries are from XXXX XXXX XXXX XXXX , XXXX and XXXX which I have never allowed to perform any soft or hard credit check and neither am I interested or was ever interested in their services. From a quick online search both companies have come under scrutiny after claims they make inquiries and check credit without one 's acknowledgement. Currently, XXXX XXXX XXXX is in the process of a class lawsuit for doing this ; and XXXX has a website to report these cases which I have reported. I have not heard back from both companies and consumers state they have asked directly to get these unauthorized inquiries removed without success. I have also frozen my credit report file under Equifax 's service online and have taken further steps to prevent such incident due to a possible Equifax breach. I have tried contacting Equifax but was unsuccessful as I was told by a representative they can not remove inquiries even if they were not authorized ; that it was " a job for the companies that reported them '' to remove.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NM)

I'm getting harassing calls from the company, which was trying to come up with a solution by working with freedom debt relief, due to a hardship of a divorce. I spoke XXXX XXXX XXXX XXXX, regarding an account they couldn't help me until i went bad than the bank got involved and they're the ones making all the harassing calls to a variety of people that I never gave the number to contact on my behalf. I call and spoke to about this matter was Mr.XXXX  an he stated to the people he spoke with that he was an Agent for me to contact with urgency. He used a variety of numbers but the last number he called from was XXXX XXXX  XXXX. He has called more than 5 people maltible times on this matter so I know with this, do not call act this is illegal.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CT)

I want to report PayPal credit for continuing to make harassing phone calls on both my cell phone and home number. My home number is not even listed and not an authorized number for them to be contacting me on and they are still continuing to call me there. I have scheduled an automatic payment that is to be pulled later this week and I am still receiving annoying harassing calls!
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank via their XXXX store card ending in XXXX placed a {$130.00} charge on the XXXX card account in XX/XX/XXXX to pay for XXXX XXXX without my knowledge or consent. They later marked the account as delinquent in payment which damaged my credit score. During a phone call with their representative in XX/XX/XXXX they agreed to rescind their late fees, pay off XXXX XXXX using an account of my choosing, and cancel the card. On XX/XX/XXXX XXXX cancelled my XXXX account and the {$130.00} charge on the card. On XX/XX/XXXX Synchrony Bank billed my selected account {$130.00} despite the fact that XXXX cancelled all existing charges on the store card ending in XXXX. On XX/XX/XXXX after discussions over the phone with XXXX and Synchrony Bank, Synchrony Bank agreed to refund {$130.00} via a mailed check to cover their charge made to my account which should not have been made.
Consumer complaint received 2019-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX regarding a debt owed by my ex husband per my divorce decree which was granted in XXXX. We were to each pay half of the credit card debt. I was threatened with a law suit suing me and cancelling mine and my current husband 's credit cards and seizing our bank accounts. My bank account is strictly for my income, which is Social Security XXXX, and my ex husband 's retirement, ( annuity ). She told me the amount of the interest that had accrued over the course of 19 years and then threatened to sue me in a court of law if I didn't make arrangements to pay this debt. She insisted I pay {$1300.00} down and make payments of {$30.00} a month until the amount they would settle for of {$3800.00} was paid in full. She wanted to take this {$30.00} per month payment from my credit card.I tried to tell her I thought there was a statute of limitations and they needed to go after my ex husband. After she was through scaring me and badgering me, I was transferred to another agent who advised me that the conversation was being recorded. He repeated the amount owed and the amount of monthly payments that would be charged to my credit card. They attempted to run the {$1300.00} twice on my credit card ( per my bank fraud protection. ) This man insisted I call my credit card company and authorize this payment. These people scared me and I honestly thought they were going to seize mine and my current husband 's assets along with hurting our credit.
Consumer complaint received 2019-04-07
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: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2019 American Express lowered the credit limit on 2 of my American Express Cards. One was lowered {$8100.00} and the other was lowered {$5000.00}. This occured within minutes of a charge from a lawyer. I had a XXXX balance on each of the 2 Amex cards, and had never missed a payment with Amex or any other issuer.
Consumer complaint received 2019-04-07
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. (KY)

I agreed to pay this debt off for a lesser amount and the company was suppose to remove this off of my report because I no longer owe nothing or any corporations this debt was prepaid off!
Consumer complaint received 2019-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

I received {$200.00} as savings account bonus for a promotion by Chase in XX/XX/XXXX. The bank reports this as interest income on XXXX XXXX. However, for the last year they didn't send me one. When I called them up on phone, on multiple occasions the representatives gave a false reply that they don't report this on a XXXX XXXX even though my husband received a XXXX XXXX  for the exact same promotion in XX/XX/XXXX.
Consumer complaint received 2019-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (KS)

I noticed three unauthorized transactions on my WesternUnion account. I called them immediately and they kept transferring me from department to department without initiating any inquiry. There is no process in place for fraud prevention at WesternUnion.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/1964 as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.
Consumer complaint received 2019-04-05
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)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (CO)

I spoke with a representative XX/XX/2019 at XXXX XXXX and agreed to a payment plan they called my work number and I told them to remove that number immediately, after making the payment arrangement the day prior they called me yet again at XX/XX/2019 at XXXX XXXX I was so upset there is no reason they need to call me when the first payment isn't due until XX/XX/2019 and why they feel they need to call my phone at XXXX in the morning, I attached two screenshots of the incoming call from their XXXX number calling at XXXX the company is Middland Credit Management
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

I have been disputed this debt since 2015. I have contact XXXX and ask for proof. Now I have contacted this current collection company, request for a contract and license information. I got a balance print out from XXXX  website and list of license for a lot of state but New Jersey.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but XXXX is still reporting me as being late on payments. XXXX XXXX has informed me that they have removed all negative reporting and the the error lies with XXXX  trans union and XXXX.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AL)

XXXX should not have decreased my credit line after I paid most of the line down. Companies should not be able to close a card/decrease credit they have issued to you unless you make late payments to them. They should not be allowed to change or modify your account with them because of other things that occurred with a different company after you were showed to be worthy of credit with them unless they clearly submit it in writing to you or ask you over the phone. I had fraud and that affected my credit, but that never affected this account. I paid my XXXX store credit down by more than 50 % on XXXX XXXX, 2019 and then they lowered my credit amount. That is very deceptive. When I allied to inquire they said all they could do was run my credit again if I wanted to see if I would qualify.
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MN)

I have a student loan with American Education Service. The lender has been increasing my payments each month for the last 8 months. The monthly payment has not been the same each month. Back in XX/XX/XXXX my payment went up from $ XXXX/month to {$270.00} that month. I called and asked why the payment was raise. At that time I was unemployed and asked for the payments to resume back to the {$100.00}, they did. But now the payments went up again to {$130.00}. I have contacted them and asked for a future monthly repayment schedule and all they tell me is that they will send a past payment history. Next year they tell me my monthly payments will be {$400.00} - {$500.00} per month. Why? All I've asked them for is a future payment schedule so I can budget my monthly expenses. They also tell me that there is no loan forgiveness like teachers or people who serve in public services get. I am a retired XXXX/XXXX XXXXXXXX  of a 10 year service. I left the force, relocated to go back to school, but I do not get any forgiveness on my loan. Why? I went back to school for a degree that I have not got use since graduation in XX/XX/XXXX.