davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (IN)

I applied for a Wells Fargo credit card online and intended to transfer {$20000.00} to the new card. I was not shown what my line of credit would be until after submitting the application and it ended up being {$2500.00} and I was not given an opportunity to refuse the card after that point ( unlike other applications I had completed online ). 

I called Wells Fargo to cancel my application and was told I could not. That I needed to wait until the card came and then call the number on the back to cancel it. 

When the card came, I tried to cancel it but Wells Fargo had already transferred {$1900.00} from my other account. An account which I did not provide details about ( account number, etc. ) other than bank name and an amount that I did not authorize. 

I called Wells Fargo to get the money returned and they stated I had to work with my other card to get the funds transferred back and it could take up to 90 days but that in the meantime, i was responsible for making payments on the Wells Fargo card.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Notification Dear XXXX XXXX XXXX, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX XXXX Experian XXXX Account # : - XXXX this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase Bank, NA, XXXX XXXX XXXX, XXXX, OH XXXX has given me ( 2 ) Amortization Schedules ( P & I ) for my Loan that do not have the same ending principal balances. Im unable to correctly add any extra principal payments in order to pay off my loan. I also was  given a Legal Amortization Schedule from XXXX XXXX XXXX I received at Closing ( XX/XX/XXXX ) to use in paying off my loan. This makes a total of ( 3 ) Amortization Schedules that differ in ( P & I ) figures! I was told by XXXX XXXX, Team Leader Executive Office Representative, JP Morgan Chase, NA ( XX/XX/XXXX ) that on XX/XX/XXXX things would change regarding my ( P & I ) balance. However, any Amortization Schedule that would be issued to me after the XX/XX/XXXX principal payment would not reflect the correct monthly principal balances that I could use! The Amortization Schedule ( P & I ) balances would never match the current principal balance! This is an insane bank practice! 

I would be unable to receive an Amortization Schedule listing the correct Interest and Principle in order to apply any extra principle payments for the remaining of my loan.

It has been made clear that JP Morgan Chase Bank, NA does not want me to be able to pay any more extra principal payments on my loan. They want to be able to make as much money as possible on my loan. An awful bank practice! Thank you. 

XXXX XXXX
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX  is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted Experian and XXXX  multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX and Experian report late payment in XXXX. XXXX reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian has removed this account, XXXX   reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXXXXXX XXXX  reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.
Consumer complaint received 2024-10-21
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. (NV)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ] [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-10-21
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

Went into Conn 's XXXX XXXX to buy a gas stove and queen size mattress and box spring in XXXX. The mattress and box spring were not delivered being too big for my room. The payment amount for all three of these items was XXXX. I told Conn 's I am not going to pay that amount as I don't have all those items. I was advised to go into the store items were purchased and have them remove the mattress and box spring to get my payment lowered which I did ( XX/XX/XXXX ) and spoke with Store Manger XXXX XXXX. My payment went down to {$81.00} effective XXXX XXXX, XXXX. All payments have been made on time. Conn 's is refusing to accept this contract stating I had a prior balance and the manager did not add to the new contract thus it will not be accepted. The store manager did not see any balance owing and neither did. ( see attached ). So because of this Conn 's has been reporting me late every month to the credit bureaus as I am not paying the XXXX/month but am paying the new contract with just the gas stove ( attached ) for XXXX/month. Conn 's Credit Bureau Administrator also was contacted and acknowledge this new contract but still saying delinquency still valid. How? I make my payments on this new contract on time every month. My credit has been ruined beyond repair as now all my credit cards have dropped by Credit Line bringing my original score from XXXX to almost XXXX all because of Conn 's reporting inaccurate information. If they feel an employee made an error in transferring some amount they say I owed that is not any fault of mine. I am paying what the Store Manger stated I owed now on the gas stove monthly and make all payments on time. So not only are they reporting delinquency on payments but the amount they are stating I owe is also inaccurate. I called Conn 's XX/XX/XXXX to make my payment and the CSR XXXX put in a ticket as she seen three contract two which have been closed out as paid, the one for the XXXX amount and in another system the current one with the correct amount and balance owing ( attached ) she stated she did not know why it was not in the main system and thus filed at ticket. How do you ignore a signed contract and then say you are going to pay for the one with items you don't even have and then report me as late to the credit bureaus absolutely running my life right now. This has called unbelievable emotion distress and defamation of character as I have worked so hard on my credit building it up only to have it knocked down by something of no fault of mine. Why would I pay all my creditors on time and ruin it by not paying one? 
I have also attached the letter from Consumer Relations Ms XXXX who stated that " I deserved '' to be reported late and acknowledged that I did go into the store and signed a new contract. I don't want to have to get an Attorney I want Conn 's to admit their mistake and correct.
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (CT)

I had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

XXXX
Consumer complaint received 2024-10-21
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$10000.00}
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (TX)

I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. Please help. 

{$19000.00} XX/XX/2017 2017
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. please delete 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 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 2019-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I have a Home Equity Line of Credit with Citizens Bank ( @ CitizensBank ). I called them recently to see if I could get a lower rate. 

The sales person told me Yes. All I had to do was apply for the new loan, which would be almost a full percentage point lower. Then, if/when approved, I could just cancel my original line of credit. 

Now that I've started the process, sent in documents, and had a credit check, Citizens Bank tells me the rate will be almost a full percentage point *higher* than my existing loan. 

What a bait and switch! I hate to think what this will do to my credit score.
Consumer complaint received 2024-10-21
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. (NV)

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection at XXXX XXXX  opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
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)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account Name : XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Consumer complaint received 2019-06-06
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: JPMORGAN CHASE & CO. (GA)

I've spoke to Chase Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from Georgia where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company Chase to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and Chase is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TransUnion and XXXX failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.
Consumer complaint received 2024-10-21
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)

XXXX XXXX XXXX XXXX XXXX  Acct : XXXX for {$4000.00} - XXXX XXXX XXXX  Acct : XXXX for {$1000.00} - XXXX XXXX XXXX  Acct : XXXX for {$21000.00} XXXX XXXX Acct : XXXX for {$21000.00} - US BANKRUPTCY COURT XXXX XXXX Bankruptcy XXXX XXXX dismissed ) filed XX/XX/XXXX, dismissed XX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Notification Dear XXXX Customer Service, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX - Account Type : Revolving account XXXX  - Account Type - Detail : Revolving account Credit Card - Bureau Code : Individual account Individual - Account Status : Closed Closed - Monthly Payment : {$0.00} - - Date Opened : XX/XX/year> XX/XX/year> - Balance : {$0.00} - - No. of Months ( terms ) : - Revolving - High Credit : {$880.00} {$880.00} this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX