davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Hello, I am in the process of purchasing my first home and my loan is contingent on the 3 collection accounts on my credit report not having any dispute Verbiage on the remarks. These collection accounts were disputed directly to the credit bureau over a year ago and all came back as verified, however the creditors or the credit bureau continue to put that these accounts are currently being disputed by the consumer which they are not. In an attempt to resolve this matter myself i called all 3 credit bureaus and explained the situation and they all stated they removed the dispute verbiage, however when my lender ran my credit again the dispute verbiage was still there. I then called all 3 credit bureaus again and was advised that this is being placed on my credit from the creditors when they report monthly. I call each individual creditor and they all apologized and stated they updated their records for reporting except for Fair Collections & Out, when i called them today on XX/XX/23 @ XXXX Pst I first spoke to XXXX XXXX XXXX who advised me that once the account is disputed, they always report it as disputed regardless which is highly illegal. I asked to speak to a manager in which XXXX XXXX got smart with me and refused to transfer me then i was magically disconnected. I then called back and spoke to collections XXXX XXXX XXXX who advised me XXXX XXXX was correct once account is disputed, they always report it as disputed to the credit bureau. This practice is a violation as you can not report that the consumer has an active dispute when you have no proof. this has not only costed me money it's causing me a decrease in my credit score as my lender has to repeatedly run a Hard mortgage inquiry to see if the dispute verbiage has been updated correctly or not in which is hasn't been. The credit bureaus and creditors are playing a blame game and me the consumer is paying for it. I am in the process of getting my own legal counsel to assist in resolving these issues, but I was advised by a friend to file a complaint with CFPB since I am getting the run around from the credit bureau.
Consumer complaint received 2024-09-05
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. (IL)

Under the FCRA I have the right to a accurate a correct credit report I have no knowledge of any of the opened accounts listed below nor did I authorize anyone to open any of the accounts in my name mail and info of mine has been stolen and used by others for monetary gain I have notified and filed police report and FTC IDENTITY THEFT REPORT also obtained a Lawyer PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT ASAP : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OH)

One of the advertised benefits of maintaining the account was that each person which was traveling on an itinerary for which the fare was paid using the AA Aviator XXXX XXXX card was to receive a free checked bag on XXXX XXXX. 

Expecting XXXX XXXX and your bank to be true to that representation, I purchased air fare from XXXX XXXX for a trip from DAY>LHR and returning CDG>DAY. Record Locator : XXXX. 

Upon arriving at the XXXX XXXX to depart on the trip I was advised that the terms of the credit card had been changed, for tickets purchased after XX/XX/2023 to provide that one free eligible checked bag was only available on domestic U. S. flights. Apparently, the definition of eligible bag was changed without notice. Consequently, XXXX XXXX and I were each charged {$75.00} each for our checked bags and XXXX each at XXXX for the return trip. The total of these surprise/shock charges of {$300.00} has been added to my AA Aviator XXXX  balance. 

The addition of a {$300.00} charge to the account balance for something which was to have been free of charge clearly constitutes a significant change in account terms. Even if it did not strictly constitute a significant change in account terms, a change of this sort is nonetheless requires some reasonable notice pursuant to 12 CFR 226.9 ( c ) ( 2 ) ( iii ) ( A ) and ( B ).
Consumer complaint received 2023-09-18
Product: Credit reporting 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. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-12
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. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$380.00}.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my bank of America customized XXXX  XXXX  XXXX  was suspended for suspicious fraud activity for more than 5 times. i visited financial center as requested then they unblocked it. one week after my visit, they suspended again, asking me to again go to a financial center. the fraud ops department refuse to transfer to a supervisor when i asked them to, stating it their policy that you can not speak to a supervisor. im so mad what they are doing.
Consumer complaint received 2020-06-10
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: Freedom Mortgage Company (CA)

I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted Freedom Mortgage ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.
Consumer complaint received 2023-10-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (TX)

I received a letter dated XX/XX/2023 in response to a validation request sent by me. The information was sent via registered mail. All requested information was not sent. The information sent was ( letter response, transaction payment list, a digital buyers order, and digital retail installment agreement ). It was requested that Bridgecrest provide e-signature verification that displays electric record of esignature showing date, time, IP address, and device used to sign the agreement ( Not provided ). The response letter and documentation sent is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In 2020, I made a purchase of a jackpot with the financing provider of XXXX XXXX XXXX, in which due to the COVID19 pandemic, I was affected by not being able to pay the fees of that jackpot.

This account was then paid in full along with the outstanding interest and when I call the agency request that please this negative account that appears to me as a collection in my credit report, request that it please be modified or deleted since it negatively affects my report but the company as such does not affect it.

I understand that the accounts can take several years to reflect but the information they provide to the transunion company is inaccurate and incomplete so I kindly ask that it be corrected and deleted from my report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear CFPB For approximately 4 months now, I have been sending notifications to the credit bureaus so that they comply with the law and report the accounts correctly. What has been my surprise when I notice that I have been totally ignored in this process in which I find myself. Reading on the internet I realized that my rights were being violated, that's why I came to you so that you can help me with this problem that affects my life. 

Thank you, I hope you can help me
Consumer complaint received 2023-10-12
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. (IL)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance Owed : {$300.00} ; XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed XXXX {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX  XXXX ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 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
Consumer complaint received 2023-10-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

There was an eviction process that went through XXXX XXXX XXXX. We went to court XX/XX/2022. XXXX stated that if I were out by XX/XX/XXXX, I would not owe apartments anything. Showed up to court on XX/XX/XXXX stating I was gone, clerk told me case would be dismissed without giving me paperwork that stated this information. Received documentation XXXX weeks later stating that XXXX said I was not out by said date and time that was ruled by judge. The judgment was given to them without my knowledge. Went to court house to rectify situation with video footage showing I turned key in and also a contract showing my movers were done moving by agreed time. XXXX house supervisor stated the case would be sealed off showing there wouldn't be a judgement for either side because of falsified information coming from XXXX XXXX. Before this judgement was given, XXXX sold the debt to The National Credit System. They have not properly contacted me, not by mail or email stating what the fees are for only that they are working on behalf of XXXX, which was a very quick phone call. Ive sent XXXX certified letters to National credit system asking for original contract with my signature for validation of debt and no one has replied.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

CHASE USING XXXX I deposit a check on XXXX/XXXX/2016 and Chase decided to put a hold until XXXX/XXXX/2016 when the check was from the same institution, yet on the XXXX/XXXX/2016 received confirmation from the check issuer proof that the check was cash and clear their account. 
I find this very deceiving not a good business practice.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services (CO)

On XX/XX/23 I exercised the purchase option at the end of my lease term. In violation of the federal Consumer Leasing Act, the dealership charged a fee of {$590.00} which was not disclosed in my original lease agreement. Upon showing the dealership a copy of my agreement, they simply said that the practice is industry standard across all manufacturers. Since Mercedes-Benz Financial Services forces customer in Colorado to work with dealerships directly I had no other option but to pay the fee and seek recourse afterwards.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AZ)

This is in response to an earlier complaint ( Case number : XXXX ) that is still not fully satisfied. Citibank continues to send my mail to the wrong address, despite several phone calls and the previous official complaint. How many times do I have to try to get them to make this one simple change? Further, Citibank seems to be unwilling to explain to me how a person can activate a stolen credit card without my knowledge or permission, as requested in my previous complaint.
Consumer complaint received 2023-09-18
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/23 I received a phishing text supposedly from the XXXX about a package that needed to be redelivered ( I was waiting on something ) and there was a small fee for redelivery ) and not realizing it was phishing, entered my debit card information. 

Later that day, once I realized it was phishing, I reported my card number as compromised and had a new card sent. No unauthorized charges were made, so I thought I was safe. 

Then on XX/XX/23, XXXX unauthorized charges were taken of XXXX each, because the new card information was entered into the Wells Fargo digital wallet. 

I contacted Wells Fargo to report the charges as not something I authorized. and they then cancelled the replacement card ( which I had not received ) and sent another card ( the one I have now ) and began the process to investigate and get my money back. 

However, a few weeks later I received a letter stating that the claim was closed and I would not get my money reimbursed. I then contacted the claims department to dispute this, and try to give more information about what happened. They denied to reimburse me and escalated it to XXXX XXXX XXXX XXXX. 

I was contacted by an Escalations representative and again explained things. A week later I am told that I am not getting reimbursed as the claims department decision that " it looks like the charges were authorized '' is correct and there is nothing I can do to dispute this further.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have sent three letters so far requesting for the inaccurate information be removed from my credit report. The bankruptcy in question was dismissed without going to court. The credit bureaus stated they verified that the information was correct. Verified with who? I wrote a letter to the courts and was informed that the courts do not communicate with credit bureaus. That would put the credit bureau in direct violation of the FCRA.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

I have a credit Card from Citi Bank. I accidently failed to make one payment of XXXX dollars. 
The next day they started calling me all day long. They made threats and harassed me all day. I asked them to stop and they reminded me about accounts from thirty and twenty years ago. There was XXXX account from twenty years ago, this account was discharged in a bankruptcy twenty years ago. They still wanted me to pay on a discharged account. When I spoke to them they were abusive and nasty. They are the worst Credit card company I have ever been so badly abused by. Please listen to me and do n't do Business with them