davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
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: CRED Technologies dba cred.ai (TX)

This card work by having the user deposit money into the account. Three hours after depositing {$250.00} into an account that still had about {$100.00} my account spending power was $ 0- I had not made any purchases. I was intending for this money to be used to purchase XXXX gifts. After three separate phone calls I received no clarification aside from being informed that my account was showing negative {$650.00}, I could not see this reflected in my app, had not made any large purchases on this card ever, and no one could explain to me what this charge was labeled as. The only escalation solution was to schedule me for a call in two days, on XXXX eve. I have since gotten {$100.00} added back to my account with no context, and no knowledge of where the rest of my money is. So. No information from customer support, no one further than a call center attendant to speak to, and no explanation of what this mysterious charge is. The only question they would answer apart from their " escalation '' scripted schpiel was that yes, it is an internal issue, and yes, others have been experiencing the same thing.
Consumer complaint received 2023-05-06
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. (MI)

I sent of letter of dispute asking about proof of a debt and a contract with both party signatures. they sold the debt to an debt collector name XXXX XXXX XXXX still harass me even though they have ignored my dispute. both them and XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

On Wednesday, XX/XX/XXXX, I received a text message from Wells Fargo regarding fraudulent activity regarding my XXXX account through the Wells Fargo banking app. The text message stated, Wells Fargo XXXX XXXX XXXX : XXXX Transaction ( {$2000.00} ) and to reply yes or no if it was authorized or not. I replied noand I instantly got a phone call from someone claiming to be from the Wells Fargo XXXX department. The caller ID said Wells Fargo Bank so I did not think twice about checking the phone number and answered the phone. Again, the guy on the other end of the phone claimed to be a representative of Wells Fargo and that he was here to help me with the fraudulent activity on my XXXX account. He told me to log into my XXXX account and go to XXXX, which I did. He then said that I had to send the money to myself in order to cancel out the unauthorized {$2000.00} transaction. The name the money was being sent to was my name and same with the phone number so I believed him and did as I was told, thinking he was someone from the banking team. After I sent the {$2000.00} to myself ( the money actually went out of my account and to him ), he had me send an additional {$1000.00} because the last {$1000.00} didnt go through. So a total of {$3000.00} was sent. As SOON as the last {$1000.00} was sent, that guy hung up the phone. I IMMEDIATELY checked my savings account and {$3000.00} was gone. I called XXXX customer service and explained what had happened to a representative but was placed on hold for almost an hour so I hung up and called the next morning. When I called the next morning, I explained what had happened to the team member assisting me and he was kind enough to file a fraud claim on my behalf and said to give them XXXX business days to get the situation resolved. I also included the phone number I first got the fraudulent text message alert from and the fake Wells Fargo number the scammer had called me from. After not hearing any updates or seeing the funds put back into my savings account, I contacted XXXX fraud department on XX/XX/2021 and the lady on the other end of the phone said that someone was still working on my claim and that they need to have a resolution by the XXXX business day ( XX/XX/XXXX ). I called for the final time on the XXXX business day after filing the fraud claim, XX/XX/XXXX, and I was told my claim was denied without getting any reason as to why. I am truly upset with Wells Fargo and am at a loss for words.. Someone claiming to be from their company tricked me into stealing my money but they cant do anything about it or provide ANY type of compensation?! I shouldve checked the phone number when I got the initial call from the scammer but I had no reason to think I was being scammed.. The fact that it is almost XXXX. This whole situation is XXXX breaking to me.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between XXXX, Experian, and XXXX in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/XXXX, I contacted the CMRE Collection agency and negotiated to pay off a total of 8 collection accounts. It was agreed that upon payment of the collection accounts, CMRE would cease all collection actions and activity and grant a deletion of all accounts on all the credit reporting bureaus. 

In XX/XX/XXXX, upon learning that the collection accounts were not deleted as agreed, and that CMRE listed the collections as " paid '' collection account but did not delete the accounts from the credit reporting agencies as agreed, I contacted CMRE and explained the above information. I was then informed that there was nothing that CMRE would do to assist me. I requested to speak to a supervisor and was not provided with a supervisor.
Consumer complaint received 2021-12-23
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: CITIBANK, N.A. (NY)

I was victim of identity theft years ago. I submitted an Identity theft report in XXXX to the Federal Trade Commission and informed SEARS about this. In XX/XX/XXXX I received a letter from the creditor informing that the account would be removed from my credit reports and it happened. But in XX/XX/XXXX I noticed this account was reported again on my reports.
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (MO)

XXXX XXXX XXXX ( XXXX ) has referred this matter to a Collection Agency of National Credit Management, when I XXXX XXXX XXXX XXXX do not have any financial liability or recourse in this debt owed, as both the business office promissory note was not completed by XXXX XXXX, and the Financial Responsibility Agreement was cancelled as shown in the document tracking of the student portal of XXXX. XXXX XXXX XXXX has harassed XXXX XXXX XXXX for this debt for over 2 years, with repeated letters, phone calls, and emails, but did not furnish a right to dispute nor a itemized description of charges being present, XXXX XXXX, withdrew from the University after being with enrolled by 4 days, but due to the negligence of efficiency in processing the withdrawal in a timely manner they see fit to charge XXXX XXXX for $ XXXX in which XXXX XXXX XXXX did attempt on paying some of it until the amounts seemed to continually increase, and while the administrative withdrawal fee of {$140.00}. It should also been noted that XXXX XXXX clearly expressed that he could not afford his tuition, and had to withdraw from the university, despite this being the fact the university is still insistent on their continued prolong harassment, and unwavering greediness towards the pursued collection.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

Lady called with a foreign accent that was hard to understand, possible XXXX or XXXX. This company ( CB Group XXXX ) has called me multiple times and all callers have accents. I have been asked for the ending of my social security number, my full address and full name. She wouldn't share with me the reason for her call unless I shared my personal info. She was forceful and talked over me. Caller would only say that it was on a personal matter and that I was being recorded. They offer to work out a deal with me over the phone for the debt. that I know nothing about. They try the scare tactic to have you pay today and stop collections. I did not share any info, being I have no debt. in question. I have advised her that I would report the call.
Consumer complaint received 2021-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

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 Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance {$3800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-10
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. (NY)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-09-25
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. (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency and Can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account Under an open and consumer credit plan late for any purpose purpose.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Experian is governed by 15 U.S.C 1681, Experian has violated my rights numerous of times. I demand the accounts below be removed immediately : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Experian written permission to furnish these accounts. I have no contract with XXXX. XXXX XXXX. 
I have no contract with XXXX XXXX XXXX Provide original contract for these accounts.
Consumer complaint received 2021-12-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

4 months ago I requested a modification plan for my mortgage forbearance and have continued to ask for it to be provided. The title search took months and now XXXX  is reviewing the plan (? ). The company has yet to provide the modification plan and will not tell me when it will be provided.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from experian that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and XXXX showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MD)

Hello, I am writing to let you know that I have a US Bank credit card and there is incorrect information reporting on my credit report. On XX/XX/2021, there is a late payment reporting. During this time I was diagnosed with XXXX, I was unemployed, and my life was a disaster. I am aware of my rights and I contacted the companies I have credit cards with to notify them that I would be late this month. Everyone I notified did not report a late payment on my credit report. Today, I checked my credit report and saw that US Bank is reporting a late for the month XXXX XXXX XXXX  even though I called and notified customer service about my issue. This was not my fault that I was late and I did everything in my power to pay you guys my payment as soon as possible. I am in the home buying process and this is the only negative mark I've ever had in my whole life on my credit. I am asking you to please remove the late reporting on this account. I would be very happy, as I have done all that I can to be a good customer to your company and I am happy with being a client with your company I just would like this problem resolved as soon as possible as it is holding me back a lot. 

Thank you for your understanding and cooperation with me on this issue.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other information on my consumer report. 

I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2021-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

On XX/XX/2021, I paid off my credit card balance of {$1800.00} with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX. On XX/XX/XXXX they still reported to the credit bureaus that I had this balance, which was hurting my attempt at getting a mortgage approval. I have since made 2 disputes through Transunion, and they keep coming back as confirming the balance. I made a 3rd dispute just now. Transunion also shows that this bank reports on the first of the month, which was almost 2 weeks after the account was paid off.
Consumer complaint received 2021-11-10
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I initially submitted an application on XX/XX/2023 to XXXX XXXX regarding a credit card named XXXX XXXX.Upon initial submission I received a pre approval offer, and was told a manger would be in touch shortly to finish the application. Any pre approval offer must be a firm offer or this is an adverse action under Equal Credit Opportunity Act ( ECOA ) I provided this company with my social and was told that my personal credit must be check in order to continue my application. I was told that initially my application was approved and that the personal credit check is to personal guarantee the amount I requested, and if that amount is not sufficient I would receive a different line of credit. I received an hard inquiry but was never extended any form of credit. After calling XXXX technologies for months and sending countless emails, requesting to speak to my account manager XXXX I have yet to hear back from this company. I was even told through a member of the company that none of the cars require a personal guarantee, so if my original submitted application was approved like I was told and reassured by a operating member of this company. I have not yet received a card nor response regarding this matter.This is a firm breach of contract and also causing damage to my credit report as well for this inquiry being reported without me being extended any extension of credit. Ive sent 3 letters regarding my application and have not yet heard back nor does anyone answer the phone number I am given to call
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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