davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (UT)

In XX/XX/XXXX, I discovered multiple inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Despite having already filed a dispute and providing all the necessary documentation, the credit reporting agencies and the companies responsible have failed to remove these inaccurate collection accounts.

This is the second formal complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) because the previous complaint was ignored, and the inaccurate collection accounts continue to appear on my credit report. These accounts are causing significant damage to my credit score, and the continued reporting of this erroneous information is both misleading and a violation of my rights under the FCRA. 

Collection Accounts : 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 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 XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and furnishers of information must ensure the accuracy of the data they report. Specifically : Under 15 U.S.C. 1681b ( c ), the companies reporting these collections must have a permissible purpose for accessing or reporting this information, which they have failed to demonstrate.

Under 15 U.S.C. 1681s-2 ( b ), the furnishers of information have a legal obligation to correct and update inaccurate or incomplete information once a dispute has been filed. Despite receiving my dispute, these furnishers have neglected to update or remove the inaccurate information.

Furthermore, the 15 U.S.C. 1681e ( b ) provision requires credit reporting agencies to adopt reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. By continuing to report these erroneous collection accounts, the credit reporting agencies are in direct violation of this provision, and I am seeking corrective action under the law.

The Federal Trade Commission ( FTC ) has issued clear guidelines about the obligations of credit reporting agencies and furnishers under the FCRA. My complaint is further supported by FTC Report XXXX. XXXX, which underscores the need for compliance with these legal obligations.
Consumer complaint received 2021-11-02
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: CITIBANK, N.A. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CBNA. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : CBNA XXXX XXXX {$1900.00}
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I sent $ XXXX worth of shiba to the address I have for coinbase. They said they can't retrieve the funds because it's not supported.. If it'snot supported whhy would they accept the transaction. Now I have lost my money and they wouldn't issue a refund. Here is the transaction. 

https : XXXX
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo Checking Account XXXX Routing XXXX I took action XX/XX/2020 Bank account closed due to my online account being hacked. 
It closed overdrawn but later gotten handled and sent me documents of my account closing out a positive balance.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

I didn't receive {$100.00} for a new account. I have asked the customer service of Chase. They said the banker named XXXX who helped me open my new bank account, didn't apply the coupon. However, XXXX said he had applied the coupon ( Proof in email screenshot Picture No. 1 ). 

The customer service of Chase told me that I could fix this by visiting the branch in person. However, another banker in the branch said XXXX was the only one who could help me fix the problem. I got in touch with XXXX again, but he said he felt sorry about the mistake but couldn't figure out how to fix it ( Proof in email screenshot Picture No. 2 ). 

Therefore, I contacted XXXX 's manager XXXX to ask for help or compensation. The manager XXXX said she would reply to me that week, but she didn't reply me. I emailed her again about how long I could get compensation. She avoided telling me when to give me an answer in a reply email. When I asked for a fix time, she stopped replying. ( Proof in email screenshot Picture No. 3 ). 


This experience is frustrating because no one could fix this problem. I have been following up on this matter for two months, but to no outcome. 

It's not my fault. I want compensation because of their mistake.
Consumer complaint received 2021-11-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (TX)

Person called a relative phone number Ive never been contacted or received notification in the mail about this debt. Received several of the court-threatening calls. Today, I got a vm from XXXX XXXX, this time with the 'I was listed as person of interest for ( random person 's name ) ' scam mentioned earlier. Tell you to Call back from a different number, but had the XXXX for callback.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (CA)

We ( XXXX and XXXX XXXX ) have 4 mortgages that TCF bank serviced for 4 different rental properties we own. Huntington Bank recently acquired TCF and took over between XXXX XXXX. We have billpay and sent all 4 payments on XX/XX/2021 to TCF as the Mortgage statement still indicated that TCF still owned the mortgage for the XXXX statement. 1 of the 4 payments was received but the other 3 were cashed by the bank and never applied to my statements. I have called and email, I sent over the cancelled check and a screen shot of my bank statement showing that my account was debited. I have been repeatedly told that they can not track down these payments and I need to go to my bank to get more information. 

I did exactly as I was told on my statements and sent money, money that was cashed. And somehow now we are getting tasked with providing ton of additional work. This bank 's mortgage department has taken no accountability and instead of saying, " we're sorry, we will look into and correct this '' All we are getting is more things we need to do to figure out how THEY LOST OUR MONEY! 

Banking and mortgages are about trust, this industry lets our mortgage get bought and sold to anyone without our consent, the companies that are allowed to purchase these mortgages must conduct themselves with integrity and respect. This bar has not been met with Huntington National Bank. 

Loan account numbers that are affected : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Loan Payment that was received : XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Ars : {$2800.00} Total XXXX XXXX XXXX : {$4500.00} Specialized collection services : {$710.00} My medical information was shared with a collection agency, Account Resolution Services, XXXX XXXX XXXX & XXXX Collection services I am being charged I've attempted on two occasions sending letters to Account Resolution  Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
Consumer complaint received 2021-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

My initial complaint was on XX/XX/21 ( XXXX ). I have a HELOC with US Bank. This HELOC is tied to a court case that has been going on for almost 15 years. I have been in constant contact with US Bank, but it is so hard to talk to someone at HELOC department. The balance is approx. $ XXXX. I talked to a senior mortgage person ( Ms. XXXX XXXX in Texas ). In XXXX I got the first installment from Defendant for {$48000.00} which I immediately deposited to my HELOC account ( A/C # XXXX ). 
There she kept saying : Our conversation is on recorded line! I wanted to know what will be the balance of my HELOC after this payment and she said {$170000.00}. and she continues if you pay the interest of {$740.00} the balance will be current and it is {$170000.00}. I did deposit {$740.00} the next day. Now that I am refinancing my first mortgage and HELOC, they are calculating a crazy amount of INTEREST ( over {$2.00} XXXX! ). She also promised to correct the wrong reporting to the credit bureaus! ( 11 times ). I am a XXXX-year-old mother with XXXX XXXX struggling to keep my home which I have been living in for the past 25 years. I will be so happy to just get rid of US Bank. They are terrible.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (AZ)

previously had cellular service with XXXX and had nothing but issues from cellular signal and then the last straw was a technical support rep telling me to buy a new device {$500.00} more, would fix the problem but of course it did not. So after several calls to customer service I had a new phone and a opportunity to switch to a new provider. I did just that in XX/XX/XXXX however XXXX continued to take a autopay setup for my XXXX credit card. ( not bank account ) CREDIT CARD. I noticed the charge and called in to have the problem resolved on XX/XX/XXXX and as notated you can see I am refunded all the charges and my bill is then at a REFUND XXXX. The following bill has a mention of a " charge back '' as well as a fee for the " NSF '' but again we are talking about a credit card payment being returned? XXXX XXXX Confirmed said Charge to my credit card. on XXXX
Consumer complaint received 2021-11-02
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (AZ)

I applied for a XXXX card thru Barclays because they had a XXXX mile promotion. I applied in XX/XX/XXXX should have had points in XX/XX/XXXX. I been calling them and the last customer service representative said I am probably not getting the XXXX points there is nothing on my account. 
They are ripping me off I am a XXXX Veteran and do like to be taken advantage off. 
The criteria was if you spend XXXX dollars in 90 days you will receive the promotion. I spent over XXXX in first month. 
I have called XXXX and put in for a investigation. I had to pay for my tickets with cash because they have ripped me off.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

I applied for a credit card while vacationing in XXXX XXXX Nevada on XX/XX/2021 I was approved and received my Barclays credit card on XX/XX/2021 at my home address and called to activate it on XX/XX/2021. On XX/XX/2021 I tried to make a purchase with my Barclays credit card and found out that it had fraudulent charges XXXX that I did not authorize put on the card by merchant Wyndham Vacation. I called Barclays to report these fraudulent charges on XX/XX/2021, Barclays closed that credit card and issued me a new Barclays credit card with a credit limit of XXXX, I received the new card XX/XX/2021. I activated the new card on XX/XX/2021, Barclays investigated the fraudulent charges on the old card number and found that it was a fraud and sent me a new balance on the old card of XXXX balance and I received a letter from XXXX XXXX deleting the charges from my credit report. I start using my new Barclays credit card on XX/XX/2021, then on XX/XX/2021 I tried to use my Barclays credit card with the XXXX credit limit and found out that it was over drawn with fraudulent charges that I did not authorize again from the same merchant Wyndham Vacation on XX/XX/2021 Wyndham charged my card XXXX and again a second fraudulent charge on XX/XX/2021 in the amount of XXXX over drawing my credit limit of XXXX for a total of XXXX. I called Barclays to report these fraudulent charges and was told " I had to wait ten days to report these charges because they couldn't see the charges yet. I asked why they could not see the charges and I could see that my card was over drawn with fraudulent charges. XXXX is the person who told me this on XX/XX/2021 at XXXX Id # XXXX, I asked XXXX how was it even possible for Wyndham to fraudulently add charges to my card when I have only XXXX of available credit, but Wyndham was allowed by Barclays to fraudulent charge my credit card XXXX twice on XX/XX/2021 and XXXX for a total of XXXX. Barclays has yet to respond to these fraudulent charges so I called to have the second Barclays credit card closed also.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (OH)

This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2024-10-17
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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-17
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'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX XXXXXXXX Account Number : XXXX Reported By : EXPERIAN Date Opened : XX/XX/year>
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-10-17
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have tried on multiple occasions to dispute negative accounts and collection accounts and to validate those accounts with no positive outcome. I dont believe the reporting agency is fully investigating these disputes required by law. 

15 U.S.C 1681b Permissible purposes of consumer reports. 
To report a debt account without written instructions to do so is a violation of my consumer rights. Its compelled extortion via constructive fraud, resulting in the deprivation of rights, slander, defamation of character and economic compulsion.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-17
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. (OK)

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 2024-10-17
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. (WI)

Upon reviewing my consumers report i noticed that there were two accounts listed that do not belong to me. Here are the accounts listed below. 

XXXX XXXX XXXX Acct # XXXX, Bal {$42000.00}, Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Acct # XXXX, Bal {$24000.00}, Opened XX/XX/XXXX
Consumer complaint received 2024-10-17
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX