davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

THESE ARE FRAUDULENT ACCOUNTS MY INFORMATION WAS RELEASED BECAUSE OF THE EQUIFAX DATABREACH AS WELL AS MILLIONS OF AMERICANS IDENTITY BEING STOLEN FRIM THE XXXX DATA BREACH AS WELL AS THE DARK WEB THE ACCOUNTS ARE NOT MINES AND I SHOULD NOT BE LIABLE FOR SUCH THINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (NV)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXXXXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The following hard inquiries are on my credit report and I did not give permission to the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XXXX  XXXX I start an international wire transfer form Citizens bank to XXXX XXXX XXXXXXXX. The wire transfers was blocked by XXXX though XXXX XXXX XXXXXXXX. I start to apply for a license an its being approved in XXXX. In The following two months I start to contract with Citizens and they did not provide me any useful instructions and telling me to contact XXXX and XXXXXXXX XXXX  telling me they were just middle bank. XXXX telling me to provide the license directly to Bank. If the bank has any problems after providing the license. XXXX encourages financial institutions directly contact them.
Consumer complaint received 2024-10-22
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: Bread Financial Holdings, Inc. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MO)

I had attempted to XXXX XXXX  and was in the XXXX XXXX from XX/XX/year> until the night of XX/XX/year>. I got out of the hospital to several transactions I did not make and immediately reported them. It was over {$5400.00}. The representative was rude and seemed impatient with me. I told him I can provide hospital documentation of the visit as I am still on monitoring for the XXXX XXXX He denied me the option to send it in, which resulted in a denial of my dispute. This is FRAUD. I am getting out of the XXXX XXXX to NOTHING. All of my XXXX XXXX money gone. I wish I wouldve stayed in the XXXX XXXX longer because this is taking a bigger toll on my mental health. In addition, they tried to tell me that they denied the claim because Im using the same device that Ive logged in on before. OF COURSE I AM. they gave me my phone back when I left the XXXX XXXX. When you enter the hospital. They take all of your belongings and give them back to you when you are discharged! ITS A XXXX XXXX not a regular hospital visit. 

I will be pursuing legal action immediately because I have my discharge statement and everything stating I was in the hospital during these days. I dont know if it was a nurse or a family member whoever that did this fraud but it wasnt me. And they DENIED MY DISPUTE WITH MEDICAL PROOF
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Airtm Inc. ()

3 days ago i sent XXXX to XXXX dollares here to exchange it, there was not a message notifying me that the account was not able to recieve other way i would have use paypal, but they act in a very scammy way, they blocked my account i ok with that i do not need an account that is going to steal my earnings, so i asked them to give me my money and they decide to keep it and the last message says that they wont answer anymore, first time that a support solves in that fraudulent way, so is it fair that they are keeping my funds? who are they to steal from me i dont want o use AIRTM ANYMORE I DONT NEED IT, I WANT MY FUNDS DONT GET STEALED BY THIS SCUM
Consumer complaint received 2024-09-04
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I am submitting this complaint against Chase Bank for denying fraud protection after I was deceived into an unauthorized charge of {$2300.00} on my account. Despite promptly reporting the incident and following all recommended procedures, Chase has refused to reimburse the fraudulent charge or acknowledge the incident as fraud. 

On XX/XX/year>, while in XXXX, I was approached by two individuals who claimed to be fundraising for funeral expenses due to XXXX XXXX. I agreed to donate {$10.00} via XXXX XXXX, writing this amount on their donation sheet along with my name and the date. They instructed me to hold my phone to theirs for the transaction but intentionally concealed their device so I couldnt see the amount being charged. XXXX XXXX does not display the transaction amount on the senders device. 

After the transaction, I realized I had not seen the charged amount and was not given a receipt. When I asked to verify the {$10.00} charge, they became evasive and eventually threatened me before fleeing. Upon checking my Chase app, I discovered an unauthorized charge of {$2300.00} from XXXX XXXX XXXX categorized under Automotive parts and accessories stores. 

I immediately reported the incident to the police and contacted Chase support. I was advised to wait until the transaction posted to dispute it. Once it posted on XX/XX/year>, I contacted Chases dispute line but was told that without a receipt indicating I intended to donate only {$10.00}, they could not assist me. I escalated the matter multiple times within Chase, filed a fraud report with their fraud department, and was initially promised a provisional credit pending investigation. 

However, on XX/XX/XXXX, I received a denial letter from Chase stating, You received benefit from this transaction. Further appeals, including a formal letter to Chases Office of the President, were unsuccessful. A representative from their executive office informed me that, according to Chases internal policy, scams are not considered fraud, and therefore they would not reimburse the charge. I pointed out that this policy was not disclosed in the cardholder agreement. 

In summary, I was deceived into an unauthorized {$2300.00} charge when I intended to donate only {$10.00}. Chase Bank has refused to acknowledge the incident as fraud and has declined to reimburse the charge. The bank cited internal policies not disclosed to customers, specifically that scams are not considered fraud. Despite promptly reporting the incident and following all procedures, I received inadequate assistance from Chase representatives.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

I received what appeared to be a letter from chase about a recent credit card application being denied for potential fraud. I called the number on letter and Input my social in automated system. Lady confirmed my address and name and said she would send text to my phone. Claimed wasnt working and shed call me back. She did not so it is a scam.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Pennymac is reporting XXXX days late on my credit report and I made a payment of XX/XX/XXXX of XXXX. It was an ACH payment confirmation number XXXX. I uploaded my bank documents reflecting a payment being made for XXXX as well as an additional payment. Pennymac agreed to Credit me the late fee and it would be mailed to me and someone would contact me about the additional payment. This is the 2nd time someone has stated someone would contact me regarding my payments. I never had any problems with Pennymac until now. This late payment is damaging to my credit score and my XXXX on time payment history.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

I made a wire transfer from my XXXXXXXX XXXX account to the Fifth Third Bank account on XXXX XXXX for {$4000.00}. The transaction processed correctly. On XX/XX/year>, Fifth Third Account put a hold for {$4000.00} on my account saying that the transaction was not funded by XXXX. 

I contacted XXXXXXXX XXXX, and they mentioned that the funds have been sent to Fifth Third Bank. They still opened up a dispute and launched a trace of the funds. XXXX XXXX said that the funds have properly been released to Fifth Third Bank. I spoke again to the Fifth Third Bank 10 days later, on XX/XX/year>. They said that they need a letter from XXXX giving them an " invoice '' for {$4000.00}. XXXX sent Fifth Third multiple letters, I also send Fifth Third Bank multiple letters from XXXX showing a {$4000.00} debit from my XXXXXXXX XXXX 

It's been more than XXXX days and I still do not have access to my money. Fifth Third Bank is not cooperating and have been holding my money for no reason. I have spoken to countless customer agents from Fifth Third Bank and have even spoken to branch managers about it. To date there has been no resolution from Fifth Third Bank. 

XXXXXXXX XXXX  has been cooperative and have asked Fifth Third about exactly what kind of information they need for this transaction, and what do they need to release this hold on my funds. Fifth Third has not responded to XXXX XXXX either.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX Personal Information XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/year> Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/year>
Consumer complaint received 2024-10-22
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SUNRISE CREDIT SERVICES, INC (FL)

I am filing this complaint regarding the mishandling of my debt by Sunrise Credit Services. I have contacted the company multiple times, and they have been unable to locate my account or provide any details on the debt they claim I owe. On XX/XX/year>, I spent over XXXX Hour on hold without receiving a resolution. The company has failed to provide me with the legally required validation of the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

As the debt has not been validated or properly handled, I am formally requesting that this debt be removed from my credit report immediately. I believe this is a case of either mistaken identity or inaccurate reporting, as the company has shown an inability to produce relevant information or support the legitimacy of the debt. 

Please investigate this matter and take appropriate action, as it is causing unnecessary damage to my credit profile and creating undue stress.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

I think their advertising or offer was deceptive. I was a XXXX for 40 years and read everything I believed that I was going to be able to do a balance transfer for zero interest until next XXXX. I wrote the check from the checks they sent me and got a huge transaction fee for sending the check. I never would have written the check ( I dont need the money ) but I thought it was a great deal. Now it was too good to be true. But the deception was real. No explanation of the fee either. Just appears as transaction fee. I just assume it was because I wrote the check.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, the original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

I dispute the validity of this debt under 15 USC 1692 at this time. Please verify this debt in writing and provide all information requested above within 30 days.

If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease.. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Assistance Inc (NV)

I called XXXX to try to make a payment on my swimming pool loan but they said they had already sent me to collections. The collections company name is Financial Assistance Inc. Their number is XXXX. Her name is XXXX XXXX and her direct number is XXXX. So I called the collections company and I spoke to a representative and he said that my case was being represented by someone called XXXX. He gave me her contact information. I called her and left a voicemail because she didnt answer my call. When she returned my call I was at work so I wasnt able to answer but during my 20 min break I called her back to let her know that I did want to pay. She didnt answer and I called again until the next day. When I called her she was already mad. She was saying why did I call her if I didnt have money to pay and that she was not going to be refinancing my pool loan. She was so angry, yelling at me saying IM NOT GOING TO BE REFINANCING YOUR {$70000.00} SWIMMING POOL. Since she yelled at me and talked to me that way I didnt know what to do. I have really bad XXXX  and she triggered it with how she was acting towards me. I was in shock that she thought it was ok for her to do that. She literally scares me. Since I didnt say anything after she yelled at me she hung up on me. From there on I didnt want to call her because of that but I still do to try to come to an agreement. Every single time I call and try to talk to her she is always very rude and aggressive. She tells me that she doesnt want to waste her time talking with someone that doesnt have money to pay. She has made me cry from how loud, rude, and just absolutely mean she is. I tried calling again today and she hung up on me AGAIN. She doesnt let me speak. She said she doesnt want to hear anything I have to say and she hung up. So I called again and I said why cant we talk good. Tell me exactly how much it is that you want me to pay because I have tried to come up with a payment plan and she doesnt want to. And then she said Ill call you Friday. I already told my bosses because I dont know what she is going to do. She is always threatening me, saying that shes going to take me to court and insinuating that theyre going to take my house away. She was also like oh yeah you dont have money but you went and bought yourself a {$60000.00} car. I told her that I was good when I got my car and the pool but my situation got bad after the fact. Regardless that is none of her concern. I cant deal with her any longer.