davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

My student loans was sold to FedLoan ( unbeknownst t o me ).  I 'm currently in forebearance and will be until  XXXX / XXXX / 17 , howev er, FedLoan h ave started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques (CA)

Hunt and Enriques harassed me with threats of a lawsuit from a debt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue. Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened. I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Citibank has been running a promotion for the past year, where if you keep certain amounts in your Priority savings and checking accounts, they will pay you {$600.00} within 90 days. One condition was that the money must be new to Citibank. 

I attempted to take advantage of this offer twice - both times unsuccessfully. Initially, in XX/XX/XXXX I applied online and was approved for the accounts instantly. However, few days later I received a call saying they are missing documentation, namely proof of id. I provided my US passport. That was rejected. Eventually, they told me US passport is not acceptable for account opened online, and I would have to go to a branch to complete the process. To which I said I did not wish to proceed, since in my mind, US passport qualifies as an ID, and told them to close the accounts. Those accounts were never funded, and in my mind, since they refused to honor my documents, were never opened. 
Then in XX/XX/XXXX, I attempted to apply again - again, online, and again, using my US passport. That time around - they had no issue whatsoever! and accounts were opened and funded with {$50000.00} as the offer required. Starting in XX/XX/XXXX, I kept inquiring about my bonus {$600.00}, each time getting told it would be credited in XXXX. 
Eventually, when I contacted them in XXXX they told me I would not be eligible for the bonus, since I had an account with them previously, and referenced the accounts that they refused to acknowledge due to 'lack of documentation ', and which were never funded. I explained the situation to a customer service rep, and he escalated the case to a research department. The response from them was brief - 'you had a previous checking account opened on XX/XX/XXXX '. 

Epic failure both times - first refusing to accept US passport as an id ( yet accepting it with no issue the second time around ), and then refusing to honor their offer due to the fact they did not allow me to use it back in XX/XX/XXXX. 

It was pretty dismal how they handled my initial account 'opening ' back in XXXX, but to build future failures upon that - is just beyond me. 

By the way, I am a former employee, and should they think US passport is not good enough, they have all the information on me there is. 

Regards, XXXX XXXX.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was scammed out of {$260.00} for two concert tickets. 

On XX/XX/XXXX, I was contacted through XXXX in regards to a post that I listed seeking tickets to a concert in XXXX, CO for XX/XX/XXXX & XX/XX/XXXX. 

The scammer stated that he would first send me tickets through the approved venues digital ticket system, XXXX XXXX ( AX ). Once I confirmed that the tickets are in my possession I could send payment through a XXXX app called XXXX. XXXX is linked and approved affiliate with my bank XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, the scammer sent me the first ticket for the first show on XXXX. This was confirmed through my Flash Seats account and an email from Flash Seats confirmed transfer of ticket to me. After I confirmed, I sent 1 payment for {$130.00} through my bank app XXXX XXXX XXXX XXXX using XXXX, transaction number XXXX. This was repeated for the XXXX ticket for the show on XXXX with another confirmation email from Flash Seats and XXXX transaction number : XXXX. 

First transaction was for {$130.00} for 1 general admission ticket to the XXXX XXXX XXXXXXXX XXXX on XXXX. This transaction is recorded through XXXX and the notes will show " XXXX XXXX GA ( my morning jacket night 1 general admission ) The second transaction soon followed for {$130.00} for 1 general admission ticket to the My Morning Jacket Show on XXXX. This was also recorded under the notes transaction with XXXX as " XXXX XXXX GA ( my morning jacket night 2 general admission ). 

On XX/XX/XXXX, I checked my XXXX seats account and noticed my tickets were no longer there. I contacted them asking what happened and they stated the user account who transferred the tickets was flagged for fraud, so all tickets were recalled. I was never notified of this. Unfortunately, since I did not purchase tickets using their system, I have no recourse. 

I reached out to XXXX that same day. They told me that I need to contact my financial institution since, it was done through them and not XXXX independently. 

On XX/XX/XXXX I filed a dispute/fraud complaint with XXXX XXXX XXXX XXXX. Claim number XXXX. I was told to contact CFPB and the local law enforcement. 

Hopefully this will be fixed through any of the parts listed.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

I used to be an Authorized User on my ex-wife 's Lowes Card, ( Synchrony Financial ) years ago. I was removed as an Authorized User around XXXX of 2017. 

I recently applied for a new mortgage and was advise that this account was still being reported to the credit bureaus. It is reporting that I am still an Authorized User, with a balance and monthly obligation. This was impacting my qualification for a new mortgage, so I called Synchrony Financial to have this corrected. 

Synchrony Financial advised me they were unable to assist me because they no longer show me as an Authorized User in their system. Even though I explained they are reporting to the Credit Bureaus that I am, they were not cooperative in resolving this matter. They offered to provide a letter stating I was not an Authorized User, but would only mail the letter to my ex-wife, and not me. I was told, " We are not able to mail a letter to any other address other than the address on file. '' I stated that I would like to resolves this matter without filing a compliant with the CFPB, and they stated, " I am sorry we are unable to help you. ''
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY (NM)

I have had numerous calls from a lady who claims to be calling from an attorney 's office in an attempt to collect an old credit debt sent off to collections. This started last XXXX, when I spoke with the lady she claimed that I needed to pay {$8000.00} by the end of the day, that the interest had accrued that much. When I got off the phone with her after telling her I would see what I could do, I called Wells Fargo. Wells Fargo told me to go into my Wells Fargo bank. The banker made numerous calls and finally was able to find out that the account was in fact charged off and gave me the name of the company and also the number. After I called XXXX XXXX they informed me that the account had been settled and dismissed with prejudice. This company or whoever they are continue to harass me and have now started calling my current employer. I need this to stop.
Consumer complaint received 2017-06-12
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. (GA)

In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  XXXX   XXXX
Consumer complaint received 2023-08-24
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. (NJ)

I, XXXX XXXX XXXX am verifying that I XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (NY)

Dear CFPB, I'm an XXXX XXXX military member and recently discovered unauthorized inquiries and accounts on my credit report due to identity theft. I've disputed with credit agencies, but seek your expertise for a swift resolution. Your help is crucial in maintaining my financial security. 

Thank you, XXXX
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I pay the outstanding balance of my Comenity credit card each month. I mailed a check for the total balance due on XX/XX/2023. I used my card and it was rejected. I called the Company and was told no payment was received and the card was placed on hold. 

I checked my account online and the XXXX payment had not been posted to the account. I spoke to the representative XXXX and explained my check was mailed XXXX. The date it was to be paid by was XXXX. Since I wanted to be able to use my card, the representative took my checking account information and paid the missing payment. I was told it would be a week before I could use the account again. In the meantime, I received the next month statement which had a {$25.00} late fee and {$40.00} of interest. 

Today I went online, and saw the payment I made on the phone on XXXX and also the payment I made on XXXX for the same amount .which was posted to the account on XXXX. Nineteen days after it was mailed. 

I called the Company today to try to resolve this. I want the late fee and the interest removed. I pay the bill the day received for the entire balance each month.
Consumer complaint received 2017-06-13
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: Experian Information Solutions Inc. (TX)

I have previously attempted to dispute several inquiries that are a result of true name identity theft. I have called and attempted to dispute the inquiries in question and was transferred several times.     The inquires I am disputing as fraud are :   XXXX   XXXX   XXXX   -  XXXX / XXXX / 2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   XXXX   -  XXXX / XXXX /   2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX / XXXX / 2017
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.  XXXX  BANK HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!
Consumer complaint received 2017-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

In  XXXX     2017  i submitted a payment via PayPal to another recipient. Around that same time there was fraudulent activity on my bank account and I accidentally disputed the initial charge ( {$50.00} ) I cancelled the dispute with the bank as a representative at PayPap told me to do, and received a letter from the bank dated  XXXX   XXXX  stating that I have cancelled my dispuite. The original recipient never received the money back. I called multiple times since  XXXX  to resolve this and they ultimately gave me a provisional credit to give to the original recipient and I was told that when the {$50.00} finally came through it would go to my PayPal account. However that did not happen. I believe that original {$50.00} is still in limbo and the credit has since been deducted so my account is now negative. Every time I call PayPal i get a different answer as to how to handle it and how it works.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have reached out to Experian several times to dispute my personal information. Experian has continued to report addresses, and names that are inaccurate on my credit report as can be adversely affecting me. I only have one name, and one address.
Consumer complaint received 2023-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

By letter dated XX/XX/2023, I notified the mortgage company that the Escrow Account Analysis, dated XX/XX/2023 was incorrect and sent them a copy of the XXXX XXXX, Ga. Assessment Notice, dated XX/XX/2023. The taxes decreased by {$650.00}. Which should have reduced the escrow amount payment. Instead of decreasing the escrow payment, they sent me a new Analysis increasing the escrow payment by {$21.00} per month. I sent follow-up letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023. All I have received from them are acknowledgment letters of each of my letters. It would seem that four months is sufficient time to correct an error. I have received no correction to the escrow account and am paying the wrong amount each month.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (DC)

Inquired to Xactus as to why they kept showing up XXXX Credit Report as recent as XXXX, XXXX, 2023, as I have never taken out a Mortgage and that I am unemployed and live in an apartment and that until recently I was almost homeless. ( XXXX ) the clerk I spoke with provided me with information to a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, phone number [ ( XXXX ) XXXX ] ; [ ( XXXX ) ] XXXX. The information XXXX from Xactus provided was inaccurate and I had to search for the correct information online. 

I contacted XXXX XXXX XXXX on XX/XX/2023 and was informed by a woman named XXXX that they are a debt consolidation company and do not deal with mortgages. That in XXXX I contacted them for debt consolidation but did not qualify and they denied me debt consolidation. I told her that I felt there was something fishy with Xactus and was placing an investigation on them. The information that XXXX from Xactus Provided me was XXXX XXXX XXXX XXXX, TexasXXXX  ; phone ( XXXX ) XXXX she lied about XXXX XXXX and involved them into something they had no knowledge of.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid 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)

Received email from Bank of America fake site to input my username, password, name, address, credit information, and personal email login information Here is the scamming link https :  XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a victim of identity theft and I never opened this account. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX. I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/2023, XXXX XXXX  has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXX XXXX  to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXX XXXX  and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX  in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical matter.