davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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. (FL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-09-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX through TD Bank has charged a {$40.00} late fee when the payment was not late. The account previously had a {$29.00} late fee assessed when their system did not take out an ACH payment. Hold times to speak with their customer service are multiple hours.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

As of XXXX my credit report shows that I have a balance of {$160000.00} across XXXX student loans, but MohelaXXXX  says I have a balance of {$80000.00} across XXXX student loans. Upon googling, I have seen that other borrowers are having the same issue with credit reports showing duplicate accounts due to the transition at Mohela. This is honestly reprehensible. As a borrower of federal loans, I have no say in who my servicer is. I have tried to resolve the issue directly with Mohela with no luck. I am a first-time home buyer actively applying to mortgages to be able to close on my first home. This is a really really really unfortunate situation to be in, and I had nothing to do with this mistake. Please help me ASAP clear this duplication from my credit report so that I can obtain a mortgage.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I was opening a checking account online with US Bank. I got approved on XX/XX/XXXX. I submitted my form for the opening deposit transfer request, selecting credit card funding. An agent from US Bank called me and I gave her my credit card information to charge {$2800.00} as my opening deposit. I called a couple of days after to check if indeed my money was deposited to my new US Bank checking account and the agent I talked to confirmed. I called again to make sure the {$2800.00} counted toward the {$5000.00} that is required to deposit to this new checking account in order to receive the {$500.00} bonus that US Bank was offering. She said it didn't count because I used my credit card even though it was one of the options on the request form. On XX/XX/XXXX, I transferred {$2500.00} out because she said it didn't count. On XX/XX/XXXX, I tried to look at my US Bank account online and it was disabled. I called and they said US Bank closed my account. They still have my {$300.00} remaining deposit up to now, XX/XX/XXXX. They said it was closed because of suspicious irregular activity. I don't see anything irregular about the transfers that I did esp when it was only open a few days ( 13 days ) then they closed it. I think it's because they didn't want to pay me my new account bonus of {$500.00}.
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Chime Financial Inc (TN)

For about the last year chime support is not good. The biggest problem is with their features. The slogan they promote, they dont stand by. This past week I contacted then several times about the policy on the my pay day feature. I had a personal limit of XXXX and they increase that limit on. Daily basis up to the XXXX so when mine stopped increasing at XXXX and I had only used XXXX of the XXXX I contacted support XXXX maybe 4 times to inquire about it and the fourth time I was told that my limit was actually only XXXX I have a screenshot of that conversation also. I was never sent a notification about the decrease and today when direct deposit goes in my limit is XXXX. They dont follow their own policies and when its brought to their attention, they change it. Ive had several issues such as this for the last XXXX years and would prefer not to change banks just because of the hassle of having to change so many payment accounts with this bank. I have been with them a very long time. But their customer service tells the customer pre written answers and its a one fit all solution. That is wrong only for the customer to still come up on the losing end ALWAYS SOMEHOW. They always make the decision into their favor after youve repeatedly called for the same issue
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TX)

Your agency placed an unauthorized collection on my credit file without required notice. I dispute this debt and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). You must cease all collection activity until you provide complete validation.
Consumer complaint received 2024-10-28
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 (WA)

Portfolio Recovery calls me several times a day from various unknown numbers. They are threatening legal action. I've told them I'm on social security and my income is below XXXX XXXX a month. I am XXXX and have a XXXX XXXX. The debt they are trying to collect is approximately XXXX XXXX XXXX, which is when I was forced to stop working. They use aggressive language and will not stop calling even though I've asked them to several times. They also called my son!
Consumer complaint received 2024-11-06
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: WELLS FARGO & COMPANY (FL)

The FRAUD with XXXX XXXX XXXX, XXXX being adding to my account as a signer & changing my mailing address to a FRAUD address XXXX XXXX XXXX XXXX, OH XXXX, who then obtain several, {$2000.00}, & {$3000.00}. FRAUD CASH advances over and over again. Every time a new FRAUD card was sent out after I report the fraud the new account carried over the thousands of dollars fraud card chargers, rushed card delivery fees, along with a much higher interest rate than on purchase for cash advances. This happened over and over again. I was forced to take out a personal loan to pay down the credit card balance to be able to afford the payment. And just this month AGAIN there was another FRAUD card mailed to the same Fraud address, this time in my name. I MUST receive the check payable to me for the {$16000.00} I paid on card ending XXXX, for the FRAUD charges and cards, XXXX XXXX. Just some of the many. I have a FRAUD police report also that I field. 
See attached
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from XXXX, XXXX, and Equifax. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file.

Furthermore, according to the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

To Whom It May Concern, I do NOT want any name, address, XXXX, or date of birth other than what I listed in this letter to be retained or reported. Please, DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

Listed below are the Personal Information that are being challenged| : Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Incorrect Name : - XXXX XXXX XXXX XXXX - EMPLOYED Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Consumer complaint received 2024-09-12
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. (NC)

I am XXXX XXXX, and 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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$2200.00} ), XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$720.00} ), HARD INQUIRY from XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-12
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. (IL)

I am asking for your support in resolving the issue of this false account on my credit report, which has negatively affected my reputation. Your mishandling has caused me significant harm, and I insist that this wrong information be removed immediately.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, I opened Citigold checking account ( zero interest ) number XXXX online to earn {$2000.00} cash bonus, with {$300000.00} in deposit. Please see an attached file XXXX On XX/XX/XXXX, I received a welcome email of my New to Citigold checking account with timeline to earn cash bonus. I would get {$2000.00} cash bonus no later than XX/XX/XXXX. Please see XXXX attached files XXXX Please look at my bank account statements from XX/XX/XXXX to XX/XX/XXXX. I have completed all required activities, but I did not receive the cash bonus. Please see 6 attached files XXXX On XX/XX/XXXX, I contacted Citigold Manager : XXXX De XXXX XXXX phone # XXXX, her email : XXXX. I have asked her to review my cash bonus case. Please see an attached file XXXX We have exchanged emails with no progress. After XX/XX/XXXX, she stopped responding my email and phone call. On XX/XX/XXXX, she informed me that she would forward my case to a new manager : XXXX XXXX, phone # XXXX, his email XXXX. I immediately sent him an email with no response. Please see an attached file XXXX On XX/XX/XXXX, I have sent him an email again. Please see an attached file XXXX On XX/XX/XXXX, he informed me that I was ineligible for the bonus because I had an old joint checking account in the past. Please see an attached file XXXX In the past, my wife had a Citibank checking account. She closed that account around mid XXXX. She was primary owner. She added me as secondary one. 

Dear Consumer Financial Protection Bureau, I have the following complaints : Citibank must have known who was eligible to get cash bonus. They sent me a welcome email of New to Citi Checking Cash Bonus Offer. Apparently they were willing to keep my {$300000.00} in deposit at Citibank. 

On XX/XX/XXXX, I contacted CitiBank and asked them to review my cash bonus case, their review process have lasted for more than 2 months. 

Since XX/XX/XXXX until XX/XX/XXXX, Citibank has earned profit from my large fund, but I have earned nothing from zero interest Citigold checking account. 

Would you please to do an investigation on my {$2000.00} cash bonus case? 
Your help is greatly appreciated. 

Best Regards,
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXXERVICES XXXX, XXXX XXXX CARD SERVICE XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX XXXX Original Creditor : XXXX PROP C ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$140000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open XXXX C XX/XX/XXXX R CASE XXXX XX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

Hello my name is XXXX XXXX i applied for a XXXX XXXX in XX/XX/year>. Never received my credit card so i called and closed my account in XXXX. They never sent me any letters in the mail or email me about a balance due immediately after me closing my account. They left my account open against my wishes and now they reported my card payment 30 days late and my credit score dropped XXXX points.