davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Incorrect Names and Addresses on Credit Report XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX I am submitting this complaint to address the reporting of inaccurate personal information, including incorrect names and addresses, on my credit report. Specifically, any name that does not exactly match XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX is incorrect and must be removed immediately to ensure accurate reporting. 

Applicable Consumer Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : This law entitles me to a credit report that contains only accurate information about my identity. Including incorrect names or addresses on my report violates my right to clear and correct reporting.

2. FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or incomplete information, and the credit reporting agency is obligated to investigate my dispute, correct or delete inaccurate entries within 30 days, and notify me of the result.

3. FCRA, Section 604 ( c ) ( 1 ) ( B ) : This section mandates that credit reporting agencies must take steps to prevent the misidentification of individuals, which includes ensuring that incorrect names and addresses do not remain on my report.

4. Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 10 ) : Misrepresentation of my identity with incorrect names and addresses may mislead third parties about my creditworthiness and could amount to deceptive practices.
Consumer complaint received 2024-10-26
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)

I recently review a copy of my credit/consumer report from EXPERIAN. I had noticed fraudulent account on my report. " XXXX XXXX XXXX '' Please remove accounts from my report they are hurting my ability to obtain credit. 

I was a victim of multiple data breaches. 

According to the Fair Credit reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Why am I liable for this debt with XXXX XXXX XXXX when I'm a victim of identity theft because of multiple data breaches? 

I ask for a re-investigation of this item. 

Also, source you used to collect this false inaccurate information. 

This inaccurate item violates these laws 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602 A. ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this items with all reporting agencies. 

If these items are not removed. 

I will submitted requests to the " XXXX XXXX XXXX  '' and " Federal Trade Commission '' as well.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (KY)

I opened an Everyday Checking Account with Wells Fargo on   XXXX     XXXX , 2017 ( with an opening deposit of {$50.00} ). I did so with the promise that were I to meet certain conditions I would receive a bonus of {$250.00} ( see attached documents ). The conditions were that I direct-deposit more than {$500.00} into the account and that I make more than 10 purchases with my WF debit card -- -both actions to be taken within 60 days of account opening. As can be seen from the attached statements, I indeed fulfilled the requirements within 60 days of my application. Given my performance of the terms of the agreement under which I opened the account, I should have received a bonus of {$250.00} well before the date of this complaint (  XXXX - XXXX -2017 ). Lamentably, I have thus far received no bonus.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Filed trip cancelation claim with card membership services through Chase sapphire reserve in XX/XX/year>. Claim was approved for {$7400.00} on XX/XX/XXXX. They say checks mailed 7-10 business days. To date, XX/XX/XXXX, I have not received payment. Called and emailed them multiple times. Correct, verified address on file. They told me a " second check was issued on XX/XX/XXXX ". I asked for a copy of both XXXX and XXXX check. They sent me an invasive email, that second check was mailed on XX/XX/XXXX. They did not provide me with copies. 

I do not believe they ever mailed me any checks. This insurance company is practicing in bad faith. 

I never had a check or other mail missing in 15 years living at current address, especially from Chase. 

Would like CFPB to help with receiving my check. 

Thank you in advance, XXXX
Consumer complaint received 2017-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in   XXXX   that was identity theft. My last conversation with   XXXX   stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water an d  one car insur ance bill. I received proof that it was received. I waited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Consumer complaint received 2024-08-05
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. (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 168.SELF XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I would like the authorized user credit card Chase Sapphire Preferred with a {$5000.00} limit removed from my credit report. I do not want this reporting on my credit report because according to the FCRA I can block anything from my credit report. Please remove it immediately.
Consumer complaint received 2017-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On  XX/XX/XXXX  I sent in  3 bills, 2 water and one car insurance bill. I received proof that it was received. I w aited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on  XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (FL)

I sent a transfer to XXXX thru WorldRemit and the money was placed in hold due to an unexpected glitch. 3 days later I canceled the transfer expecting my money back at the most in 7 days. XXXX  days have gone by and no refund at all. Contacted WorldRemit several times with just answer of you just have to wait and not letting me know a date to recive my money back. I need my money and a compensation since I needed to transfer that money for my daughter 's health issue and wasn't able to use that money. The transfer number is XXXX.
Consumer complaint received 2024-10-26
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (WA)

I moved to another apartment. Prior to doing so, I called XXXX to cancel. They hung up on me repeatedly. I then sent a letter to XXXX requesting cancellation. My balance was XXXX when I moved. 

XXXX kept the account open despite my moving, and having repeatedly requested cancellation. Sunrise knows I do not owe this debt, however, both Sunrise and XXXX are fraudulently attempting to collect a debt I do not owe. 

It appears that XXXX kept the account open in order to keep fraudulently receiving the benefit of the {$30.00} a month though the affordable connectivity program.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2024, there were XXXX transactions for which I did not have enough money in the account. They were XXXX payments that were recurring. The bank paid them even though I did not have overdraft protection and then charged me {$36.00}. On XX/XX/2024, my daughter informed me that someone had taken {$92.00} out of her checking account and {$50.00} out of her savings account to cover my checking account. This caused her to be overdrawn. 

I called on XX/XX/2024 and was told that they did an offset to cover my delinquency. I told the lady that I was no longer on my daughter 's account because her account was originally a student checking, and after she turned XXXX, it was rolled over to only her. The lady said that there was nothing they could do. I asked for a supervisor and was told that I would have to wait 24-48 business hours
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-02-22
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally request that you block and delete the following accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach, and I believe that these accounts may have been compromised as a result.Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AL)

on XX/XX/XXXX -I have screenshots of transactions- simple dba bbva compass was notifed of a dispute w  XXXX  that the hotel kept giving me   XXXX   about and refused to refund the charge over. ( I had no issue w   XXXX   XXXX   XXXX   reversing a similar charge. ) two weeks have gone by and no money has been returned to me as per the visa agreement. now bank wants to close the account w my social security going into it. funds have not been reversed to me, nor was i given an eta on the funds reversal. I was  XXXX  w a 2 month wait. It doesnt take 2 mos to give money back to the consumer. usually its under a week. now I have to sue for  XXXX  because of this. I do not take cellular harassment about things discussed in writing, -electronically or otheriwse- in attempts to dodge legal responsibility very lightly. they were told not to call me and I have multiple calls from washington state. ( 205 ) ac.
 XXXX 
both companies are scam artists and factually provide no corporate escalations contact information. simple is out of  XXXX , not washington state, where they were headquartered.bbva compass bought them out. they harass customers, despite being told calls were not being taken. these are unlawful retaliations.
 XXXX 
banks that can not uphold visa agreements should not be on thier network. this is the second bank i have had   XXXX   with.   XXXX   is the first.
 XXXX 
I repeat my demand to the bank for payment-and deny them the right to close an account that social security benefits are going to. Should they continue to close the account wo permission, they will be sued for any missing  XXXX  payments.
Consumer complaint received 2024-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (NJ)

Payment Increase Despite Request for Reduced Payment : Due to financial hardship, I requested a reduced monthly payment in XXXX, completing the financial relief form provided by my lender. Despite this request, the payments continued to increase annually. For instance : On XX/XX/XXXX, I paid {$260.00}. 
By XX/XX/XXXX, my monthly payment had increased to {$290.00}. Further, by XX/XX/XXXX, the payment had escalated to {$520.00}. 
These increases continued without clear explanation or justification, making it challenging to manage payments despite my financial hardship request. 

When I returned to school, I placed my loan in forbearance under an agreement that paused my payments during my studies. However, once the forbearance period ended, my resumed payments were unexpectedly high, differing from my original pre-forbearance amounts. For example : After a period of forbearance on XX/XX/XXXX and XX/XX/XXXX marked as " Capitalized Interest - Payment Postponement, '' my regular payments increased substantially. 
Prior to this period, my payment on XX/XX/XXXX was {$260.00}, but by XX/XX/XXXX, it had reached {$390.00}. 
After another forbearance adjustment on XX/XX/XXXX and XX/XX/XXXX, my resumed payment on XX/XX/XXXX was {$580.00}, much higher than anticipated. 
This discrepancy contradicts the terms provided in my agreement, which indicated that payments would resume at the same rate following forbearance. 

During periods of unemployment, I paid a {$150.00} fee multiple times to place my account in temporary forbearance. However, this fee was not clearly outlined in the original loan terms and added substantial financial strain. Examples include : On XX/XX/XXXX, I paid {$150.00} to keep the loan in forbearance. 
This pattern continued with additional fees on XX/XX/XXXX and XX/XX/XXXX, each Several entries are marked as " Capitalized Interest - Payment Postponement '' with a {$0.00} entry, which is unclear in terms of actual financial impact. This includes dates such a XX/XX/XXXX and XX/XX/XXXX, each listed XXXX XXXX {$0.00}. 
I am concerned that these entries may have impacted the balance due or created confusion regarding the calculation of my interest and payments.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit is attempting to illegally collect debt. They purchased years ago. They continue to reset debt from years ago, which is highly illegal. The statute of limitations for debt in Texas is four years. The debt they state is owed has exceeded four years. They need to stop contacting me and dismiss this debt that they are illegally attempting to collect. They are breaking the law in Texas and I will proceed with legal action if they do not dismiss this within a timely manner. They are negatively impacting my credit.