davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

On XX/XX/2024, I sent a formal letter to DISCOVER disputing a credit balance error on my credit card statement dated XX/XX/2024 XX/XX/2024, in accordance with 15 USC 1666B ( 1 ). Despite my attempts to resolve this matter, DISCOVER has failed to acknowledge or correct the error. Additionally, I have sent two follow-up letters, most recently on XX/XX/2024, and have not received any response. DISCOVER sent a DEMAND FOR PAYMENT OF DEBT letter to me via U.S. Mail, which I believe contains false and misleading statements designed to defraud me, in violation of 18 USC 1341. I requested proof of the services performed and documentation to support their claim, but DISCOVER has not provided any such proof. DISCOVERs continued refusal to respond to my lawful billing dispute and its failure to produce the necessary documentation raises concerns of trust malfeasance. As a consumer, I relied on DISCOVER to act in good faith and fulfill their obligations under federal law. Their inaction demonstrates a breach of trust and fiduciary responsibility, especially given the substantial financial implications. DISCOVERs actions, or lack thereof, appear to violate multiple federal laws : 1. 15 USC 1666B ( 1 ) : The Fair Credit Billing Act requires creditors to acknowledge a billing dispute within 30 days and resolve the issue within two billing cycles ( but no more than 90 days ). DISCOVER has failed to meet these obligations.

2. 18 USC 1341 : DISCOVER may have committed mail fraud by sending a fraudulent demand for payment through the U.S. Postal Service, which includes misleading information designed to collect an improper debt.

3. 15 USC 1666d : I am not liable for the disputed amount during the investigation, yet DISCOVER has not responded to my requests, and I am concerned about potential negative impacts on my credit.

4. Trust Malfeasance : DISCOVER has violated the trust relationship between creditor and consumer by not acting in good faith to resolve my dispute. Their failure to provide supporting documentation and their lack of communication further suggest intentional malfeasance.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (PA)

I called to enroll in a hardship program with XXXX XXXX ( Issued by Continental Finance ) back in XXXX in which the interest was supposed to be lowered to 5 % starting when I made the first payment of {$58.00}. I made the payment and when I got the XXXX statement I saw I was charged 25.49 % interest ( although there were rows that indicated the 5 % it said XXXXXXXX XXXX billed at that rate ). I called to inquire and they asked that I give it one more month since my payment was so close to the billing statement date. 

Looking at the XXXX statement I am still being charged 25.49 % interest so I called back today ( XX/XX/year> ) and was now told that my interest rate would not go down to 5 % until after the THIRD payment. ( This month the 5 % doesn't show anywhere ) That IS NOT what I agreed upon nor what is stated on the confirmation letter from XXXX for the hardship program.
Consumer complaint received 2024-09-19
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: OneMain Finance Corporation (NY)

OneMain Financial has denied me credit, which is in violation of USC 15 1691, 15 USC 1681, this was last week of the month of XX/XX/XXXX, they have made it difficult for me to manage my debts and violated my rights per the FCRA. I asked for XXXX $ of credit but they denied me. They sent me adverse action, however it is not a definitive reason based on my CREDIT score and XXXX score I am demanding they provide me the loan for discriminating against me and their unlawful tactics under the Equal Credit Opportunity Act ( ECOA ). 

15 U.S. Code 1691a - Definitions ; rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. 

The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 

They have discriminated against me, they have used my credit as a factor but it is NOT a definitive reason to deny me CREDIT per USC Laws.
Consumer complaint received 2024-09-19
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. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/year>, I received a letter from my creditor, XXXX, advising that they had reduced my available credit limit. On XX/XX/year>, I reviewed my credit score and found that this change had reduced my score by XXXX XXXX  on XXXX and XXXX XXXX  on XXXX. I contacted XXXX and was told that this was an internal change and should not affect my credit score. I was told that I could reinstate my original limit with in 60 days. 
Even with this adjustment my credit usage is at 5 %. 
I am concerned by such a large decrease in my score.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (OH)

I was trying to communicate with Mr. Cooper who recently became the new servicer of my loan that a payment was made on XX/XX/XXXX towards the XX/XX/XXXX due date to the old servicer XXXX XXXX Bank. I made a payment on XX/XX/XXXX intended to go towards the XX/XX/XXXX due date. The Mr. Cooper account applied it to the XX/XX/XXXX due date. After trying to contact them multiple times via chat ( and having their live chat fail with no way to rejoin or see the log ), I sent an email with the previous statement to XXXX. They responded that the issue was addressed via live chat ( it wasn't ) and reiterated the next due date is XX/XX/XXXX. 

I attempted to call Mr. Cooper, which resulted in a call system with an automated assistant. The assistant refused at every level and every option the ability to speak with a live agent, making it literally impossible to contact the company. This issue that is created entirely by third party companies has now wasted hours of my time because of the poor practices and processes setup by Mr. Cooper. Their software system works well for things that are standard, but anything that actually requires communication is intentionally blocked by their design.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery claims I have a debt from XXXX XXXX from XXXX. I Never had a card with XXXX XXXX. They called my phone on Sunday, XX/XX/XXXX. I told them to cease the calls. They Called again Wednesday, XX/XX/XXXX at XXXX. I told them again not to call me.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

On XX/XX/year> The credit bureaus stated XXXX XXXX was properly investigated, that I did not supply enough proof. Please see my police report thar verified my complaint. Also I tried several times to upload this information on experian site and would not work. I am a Victim of fraud and identity theft and I feel that I have been treated unfairly and like a liar. This has hurt my credit and continues to cause anguish in my life. 


This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. This account is currently closed and under investigation from kohls and correcting all fraudulent charges.
Consumer complaint received 2024-09-19
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. (TX)

I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have two separate issues here. One is additional card mailed to me by unknown person who had my information. Even prepaid gift cards need personal information and may offer to open an account. I contacted the local police and told to destroy it. Requesting to direct deposit whole SSA as primary bank. Police said since not active destoy it. Trans union I began at least able to put a fraud alert and mail back utility bill and
1099 XXXX no I am not able to even find out what may be needed. However I have a utility bill and requested 1099 to get to them. So trans union may take a little while since I just mailed out what they requested. XXXX no they may be working on it but I will send them the same thing as trans union. If I call or write etc no answer. Nothing otherwise step by step
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number : XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number : XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (HI)

I had rental agreement with XXXX XXXX XXXX XXXX from XX/XX/XXXXXXXX  to XX/XX/XXXX. I rented the car as pictured ( with scratches and loose trim ) in the claim and conveniently the lot attendant noted the damage during my stay. I took photos of the damage upon receipt of the car and showed them to the lot attendant and was told they would make a note on my agreement. After a couple months went by and I did not hear anything about the damages, I deleted the photos. 
On XX/XX/XXXXXXXX more than 3 months after I rented the car I only received notification from Viking Client Services that this was being charged to me by XXXX. I received no communication from XXXX. I contacted Viking Client Services to dispute this claim and received a packet of claim information which I had never seen before. However, there were no instructions on how to further dispute the claim without my own photos of the rental car. On XX/XX/XXXXXXXX I attempted to contact XXXX XXXX XXXX XXXX in XXXX, HI where I had rented the car and was told I could leave a message and someone would call back. I did not hear back a week later, so I called both Viking & XXXX back on XX/XX/XXXX and could only leave voicemails. I called XXXX again on XX/XX/XXXX and was told I could email my dispute to XXXX. I never received a response to my email nor my previous messages. I called XXXX again on XX/XX/XXXX and could not get through. After trying for more than a month, I couldnt get anyone on the phone at XXXX XXXX Viking to get further instructions on how to dispute this. 
Had I been contacted earlier than XX/XX/XXXX, I could have possibly provided photo proof OR could have given my insurance information to cover these costs. Now, Im having to pay out of pocket for damages that Im not responsible for. Im paying for the damages so as not to incur any legal action against me, but I will also be lodging a formal complaint to the Consumer Financial Protection Bureau as I feel this entire process was a scam and am concerned that this is happening to other innocent consumers.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Auto, I am writing to formally dispute the inaccurate payment history for my Wells Fargo Auto account ( Account Number : XXXX ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which allows consumers to dispute inaccurate information in their credit reports.

Account Details : Account Name : Wells Fargo Auto Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) Nature of Dispute : The payment history for this account indicates that I had late payments during XXXX and XX/XX/XXXX. However, this information is inaccurate, as the account was in deferment during that time. Therefore, there should be no record of late payments for those months. 

Requested Action : I request that you immediately correct the payment history for this account to reflect that there were no late payments during the specified period. If these inaccuracies can not be corrected, I ask for the complete removal of this account from my credit report, as it does not accurately represent my payment history. 
Please provide me with the results of your investigation as required by 15 U.S.C. 1681i. Additionally, I request a corrected copy of my credit report reflecting any changes made.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX XXXXnd concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Requested screening report, found 2 or many other inaccurate items regarding my credit, as well as I sent them information and an explanation stating that my other credit reports do not contain this information, therefore its not factual.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>24 I received a text that looked like it came from Chase Bank. It read, have you tried to send {$1000.00} using XXXX. Reply Y or N. If N, a bank rep will be calling shortly. I answered N and I received a call a few moments later. This person identified himself as XXXX XXXX from Chase bank and he was going to help me secure my account and reverse the charges. He told me someone from XXXX florida had hacked my account. He knew my checking and savings balance and then he proceeded to have me enter numbers into the XXXX  portion of the app telling me I was reversing the charges. He told me not to access my account until I received another call from Chase the next day. The next day came and Chase called back and had me do the same thing I did but this time from my savings account. He told me that I would get an email from Chase letting me know it was OK to access my account again. Well, I didn't hear from Chase for a couple of days so I called them and that's when I found out that those Chase agents were the actually hackers/scammers and they had drained my account of {$4000.00}. Chase seemed genuinely sorry for me, but then sent me a letter a week later saying they would not be adjusting my balance and that it was my fault and they had nothing to do with it. Then a couple days later I received an email from chase saying my data had been compromised in a data hack. So I contend it is their fault because the scammers that called me knew my bank balances which they could not know without access to my account.