davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (PA)

XX/XX/year> deposited {$100.00} check. It disappeared from the system I had to argue with them to get it back. XX/XX/XXXX deposited {$95.00} check. I was notified it wasn't signed correctly. Redeposited. XX/XX/XXXX they said could not be completed. Credit Union accepted it on the XXXX but then said it had been cashed already. Cash app customer service told me read deposit it and it'll be ready in 3 to 6 days. I tried redepositing on the XXXX of XXXX with cash app at XXXXXXXX XXXX.. my check deposit couldn't be completed was the message I received. Cash app keeps referring me back to the same messages now and they hang up on me when I call the XXXX number.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (HI)

Having issues with wellsfargo. 

Our auto loan was refinanced through XXXX federal, we mailed the payment check to wellsfargo which was for a greater amount than the loan. XXXX XXXX paid {$57000.00} and the loan was under that. Wellsfargo split up the check and is still requesting money from XXXX after the account was closed and loan was paid off. They reopened the account and are saying we owe money and are sending us to collections. We spoke to them 6 times over the phone with no resolution.
Consumer complaint received 2024-10-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX we received a letter in the mail from Netspend, that included a XXXX prepaid card issued by XXXX, XXXX. Bank. The letter included my name, an account and routing number. I never applied for an account with this company, never requested information from this company and never have heard of this company. I tried multiple times to contact the company via phone and chat of which each time entered the account # it the voice respond system says it does not recognize. When trying to pursue a fraud department, it was not an option. There is no phone number on the letter or the card.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-13
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. (GA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (NY)

A company called Revco Solutions Inc. keeps harassing me through phone calls and mail, despite having been asked not to on multiple occasions. They have been told over the phone that the phone number they are calling is my work phone number as a paramedic supervisor and they are tying up an emergency line with these harassing phone calls. I also sent them a letter on XX/XX/year> stating that I have never signed a contract with their company and therefore have no obligation to give them any amount of money. And that any further communication with me or my address would be considered harassment. However, they continue to harass me through daily phone calls, and weekly letters.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : Best Buy/ CBN Account Number : XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MN)

Lvnv funding Llc is trying to collect multiple debts from me that I have no idea what they are and havent gotten itemized proof of debt for either one these debts are not owed to them and when they contact me they threaten arrest wage garnishment and tax interception
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-13
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. (MI)

XXXX, XXXX, and Experian refuse to update two accounts to my credit profile as a authorized user. 

And also their point gouging me taking a stream amount of points away from me. 

They refuse to add XXXXXXXX XXXX XXXX credit card ending in XXXX to my credit profile and also XXXX  XXXX. 

The company 's XXXX XXXX and XXXXXXXX XXXX state that they are reporting to my credit bureaus all three but none of the credit bureaus are reporting to update my credit profile.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NerdWallet, Inc. (CA)

Debt collection is wrong. They need to dispute it. I have XXXX. It has proven what I payed for on debt collection XXXX XXXX and also when I had XXXX XXXX XXXXXXXX XXXX XXXXXXXX California.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was a result of a clerical error in processing my support payment. My payment was made on time, as confirmed by my bank records, but it was mistakenly recorded as late due to an internal error within the XXXX XXXX  XXXX XXXX. This error led to an inaccurate reflection of my payment history on my credit report. 
Evidence provided : Bank statement showing the payment made on time. 
Correspondence from XXXX XXXX XXXX acknowledging the internal processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NC)

The balance on my Direct Express card on which I get my SSA and SSI keeps fluctuating. On XX/XX/XXXX It was {$9.00} more than the day before, although no  transactions were made. 

On XX/XX/XXXX, it showed a deposit of {$170.00}, my SSI payment, but simple math proved only {$85.00} was applied to the balance. 

Yet again, today, XX/XX/XXXX, my balance is {$52.00} higher than it was the day before. 

I don't appreciate the incompetence and lackadaisical attitude of all involved who know of this ongoing issue. I don't appreciate having to worry about my money every waking hour, especially with my XXXX. I was ripped off in XXXX of last year and I was told I was responsible for charges made several states and hundreds of miles away from me. The customer service reps are rude and do not care. And most of all, I HAVE CALLED SEVERAL TIMES AND CAN NOT GET A LIVE HUMAN BEING THERE TO BE RUDE TO ME AND PROVE THEY DO NOT CARE.
Consumer complaint received 2024-09-13
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I have had a Vanilla Prepaid Visa Giftcard ( XXXX XXXX XXXX XXXX that has been frozen since XX/XX/XXXX. It has a remaining balance of {$460.00}, but I am unable to access the funds. I first contacted Vanilla via phone on XX/XX/XXXX and they told me they froze the card because they were worried the card number was leaked and that I need to email them ( at XXXX ) : a bank account statement, receipt of prepaid card purchase, and drivers license. I sent over all those documents the same day including the case number I was given : XXXX. I have heard nothing back even though they told me it would only be a couple days to hear a response. I then called again on XX/XX/XXXX to inquire on why I haven't heard anything back and they said my case was still open, even though I was told a replacement card should be given within days of me providing the verification documents. The customer service agent reassured me it would only be 2-3 more days. I followed up to my first document email after that call on XX/XX/XXXX, providing a higher resolution image of my receipt. I still haven't heard anything back and would like to have a replacement issued so I can use the {$460.00} that I rightfully have access to.
Consumer complaint received 2022-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, Capital One and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Consumer complaint received 2024-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATLCRSYS has not responded to the certified letter I sent on the XX/XX/2024 to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. 
I previously sent a complaint about this account attempting to collect a debt not owed. Per my complaint via cfpb id number XXXX, it states that the company is longer in business and is not trying to collect the debt, so that is why my debt validation letter was returned to sender. I noticed on my XXXX credit file the address for the company was different so I sent a certified letter to that address as well and I have not received a letter back about anything. IF the company is no longer attempting to collect the debt then it should be removed from all XXXX of my credit files, not just XXXX This complaint is my last attempt to remedy the situation before I attempt to collect the XXXXXXXX XXXX I am owed per violation of federal law. tracking number for the certified letter was ; XXXX XXXX XXXX XXXX XXXX XXXX us postal service.
Consumer complaint received 2024-10-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

They contacted me a couple years ago about a debt that I had with XXXX XXXX but the debt was paid a year before they where bought out when they contacted me and offered me a lower offer to clear the debt so I took that offer and settled then a year later portfolio recovery starts contacting me with no record of that being paid and that I owed the full amount then our home burnt down and Im unable to locate that offer letter and the confirmation so I told them all of that and they continue to call me every day 3 times a day weekends and everythings early morning late night and its so frustrating
Consumer complaint received 2024-10-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Subject : Dispute Regarding Incorrect Reporting of Collection Account Dear Portfolio Recovery I am writing to formally dispute the status of a collection account that appears on my credit report. This account is incorrectly marked as " open. '' This classification is misleading and inaccurate. 

Since this is a collection account, it should not be reported as " open, '' as it does not represent an active credit line or current access to credit. An accurate status would reflect the account as either " in collections '' or " closed, '' depending on its resolution. 

I kindly request that you investigate this matter and update the account 's status accordingly. If the account was transferred from the original creditor, please ensure the correct reporting is reflected to avoid duplicate entries. 

Enclosed are relevant documents to support my dispute. Please notify me of the outcome of your investigation within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-24
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: OneMain Finance Corporation (TX)

I called the credit reporting agencies on XX/XX/2023 and let them know the inquires and accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them.
Consumer complaint received 2024-09-13
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. (TN)

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  has violated my rights. 
I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

Flagstar bank/ XXXX should not be allowed to service loans, they dont seem to have the capabilities to do so. Primarily, they continue failing to process payments from my bank account. When I schedule payments they mark in Flagstar as " posted '' do not draft from my account. I have confirmed routing and account number ; a Flagstar rep was able to manually pull the payment in the past, yet scheduled payments dont work and they had to cancel my recurring payment to do so. This all now has resulted in a {$20.00} late payment fee to Flagstar. I am now unable to find any support contact information on their website. They have also failed to contact me via phone or email on the matter, I just have to keep checking and have received letters a week or more after the fact. 

I have had no problems with XXXX, my previous loan servicer. As a result of Flagstar 's terrible systems and support I'm now paying additional fees, wasting huge amounts of time and possibly damaging my credit.