davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (GA)

I was recently denied credit on ( XX/XX/2023 ) due to numerous inaccurate addresses being on my Experian credit report. The inaccurate addresses are : XXXX ) XXXX XXXX XXXX MI XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX ) XXXX XXXX XXXX XXXX MI XXXX I do not recognized these addresses nor have I ever lived at these addresses.

According to the 15 Usc 1681s-4 states 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.

I have a enclosed a copy of my residential lease aggreement along with other supporting documents that show proof to my claim. Please delete these inaccurate addresses because they are harming my creditworthiness and Financial Standing.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX, XXXX and EQUIFAX is reporting an inaccurate information/ account in my credit file. This is not my account and belongs to someone with similar name or information. The account is being reported twice in my credit file with XXXX. This is inaccurate reporting under FCRA rules/ laws. 
The Account is XXXX XXXXXXXX XXXX XXXX Account # XXXX There is other inaccurate accounts being reported as well. These accounts are over 7 years old. I requested for this inaccurate account to be deleted but XXXX. and EQUIFAX have refused to delete this account. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Every check I deposit they hold for longer than 10days. When I ask why I dont get an answer. System says that the checks I deposit are at risk of being returned..this is not the case. I have a business with reliable and credit worthy clients. Truist bank is using that excuse to hold my funds. Its a business account and I cant run a business if they continue to hold my funds for long periods of time. It needs to stop. I want my funds deposited and made available to me the next day like everyone else.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/XXXX, several fraudulent transactions were made through a company called XXXX, an online event ticketing company, totaling {$6200.00}. I believe there were XXXX or XXXX separate transactions of different amounts. I noticed the transactions and immediately alerted Chase, our bank. We spoke to a Chase representative on the phone and they canceled the card that was used. We asserted that we did not make any of the purchases from XXXX. All were fraudulent. Chase refunded our account and erased all the transactions from our statement, with the exception of one. Chase refunded {$4400.00} completely and gave us a temporary credit for the remaining {$1700.00}. On XX/XX/XXXX, however, Chase reversed the temporary credit and took {$1700.00} from our checking account because they claim that that one transaction was authorized by us. It was not. We did not authorize any of the transactions to XXXX because we did not make any of those purchases. We have asked Chase to refund our account, but they consider the matter closed. We asked why they think we authorized the transaction, but we got several different answers from them over the phone. They claimed we authorized via email. We received a fraud alert email ( see attached document for a {$720.00} fraudulent transaction ), but we did not authorize ANY of the XXXX transactions. Then they claimed we received an " alert '' and authorized in the app. We did not receive an alert nor did we authorize any of these transactions. They asked me if I had lost my phone, because they wanted to record me saying something that would, apparently, strengthen their case. The fact remains that we did not authorize any of the transactions totaling {$6200.00}. Chase recognized the fraud for all the other XXXX transactions, to the tune of {$4400.00}, for which we are thankful, but they refuse to make us whole by refunding the remaining {$1700.00}.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One decided to freeze my account because of a disputed XXXX transaction that I received. They bank contacted me and asked me to " verify '' some details which I attempted to but I could not because I did not have the phone number of which the disputed transaction came from. As a result, they closed my account and unknowingly all the money in my account was withdrawn by Capital One. I called them again to ensure that it wasn't a mistake and they told me that they are " holding the funds ''. I'm not sure what that means but I did not receive any notice or email that they would withdraw my money. The money is also unrelated to the dispute because it was just deposited from my job. The total amount that Capital One withdrew was {$700.00} on XX/XX/year>. Since then, the only transaction from Capital One was a " Checking Closeout by Check '' amounting to {$0.00} on XX/XX/year>. I have not heard back from Capital One since.
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HOMESTEAD FUNDING CORPORATION (NY)

In XX/XX/year>, I secured a XXXXXXXX XXXX XXXX XXXX Rehabilitation Mortgage Loan with Homestead Funding Corp. to finance both the purchase and rehabilitation of a property in XXXX, NY. I relied on the lender 's expertise and the representations made by their representative, XXXX XXXX, regarding the loan 's feasibility and sufficiency to cover the planned renovations. 

However, Homestead Funding Corp. provided incorrect information and misrepresented key aspects of the loan. Specifically, they failed to disclose that the allocated funds were insufficient to complete the necessary renovations. They also misled me about the flexibility of construction draws and the possibility of obtaining additional XXXXXXXX XXXX XXXX XXXX  funding after the initial phase of the project. These misrepresentations led to significant financial strain, project delays, and ultimately, the foreclosure of the property. 

Throughout the process, Homestead 's actions reflected a pattern of negligence, fraud, and failure to comply with legal and regulatory standards. Despite my efforts to communicate concerns and seek resolution, Homestead was unresponsive and refused to offer any meaningful solutions. The lender 's conduct caused me significant financial loss, emotional distress, and reputational harm.

I have filed a lawsuit against Homestead Funding Corp. seeking damages for negligent misrepresentation, fraud, unjust enrichment, and breach of fiduciary duty. I am sharing this experience to warn others of the risks associated with XXXXXXXX XXXX XXXX XXXX loans and the potential for lenders to act irresponsibly, especially when dealing with complex mortgage products.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (SC)

I am writing to file a formal complaint against NCB Management Services , Inc. for their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. They have failed to provide any proof of this debt, including a detailed payment history, my signature on a contract, any insurance claim filed on this debt, and proof of chain of title. According to 15 U.S.C. 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 5. A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NCB Management Services , Inc. has failed to provide any of the above information, despite my repeated requests. NCB Management services is also updating as a Charge off every month to further hurt my credit.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

On XX/XX/XXXX I purchused a online item for XXXX. Days later I contact the seller saying if I could have a update on my order since it showed ready to ship status. The seller never responded despite contact via email and threw the XXXX XXXX. Filed a dispute with Chime saying it was a scam and to stop the transaction. Chime closed the dispute less then a week later after I submitted all info. 

Called to have it opened again ( only got confirmation by email but no tracking on the chime app like first time ) and as of today since the transaction the seller ( site I brought it from was taken off the browser ( due to fraud ) and informed Chime. I uploaded the same info and link but months later they claim they are still working on the dispute. The untilmate time frame from XXXX the dispute could take this long. 

I don't understand when XXXX a obvious scam with all the evidence and I don't even have the product ( app still says ready to ship )
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Sharing of personal information to third parties. Credit bureaus XXXX, XXXX and XXXX are third parties, or " non-affiliates. '' Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you ; written, unwritten, verbal, and non-verbal, per 15 USC 6802. This is a violation of the Privacy Act of 1974.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I made an online payment for my Home Depot store card. I was prompted to pay the full balance, but clicked a different option, showing {$130.00}. I selected that, confirmed my banking info, and moved on with my day.

The following day, I discovered a charge of {$1100.00} from the credit card company, {$1000.00} more than I had expected.

I contacted Home Depot 's card services and was told that while I will get my money back, an investigation may take up to XXXX business days, with a minimum of XXXX business days, if my bank gets involved and provides specific paperwork. Even with attempts to escalate this situation, the staff said they were tied by " legal requirements. ''
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Good afternoon cfpb I lost my credit XX/XX/year> I called people from XXXX to letting them know they never responded and I left message from them after XXXX years they try to agains me by debt collection I dont nothing about this money {$4900.00} and I dont know portofolio recorvery and I never spoke to anyone about this
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NY)

This is a predatory lending tribal business, loan went from {$1100.00} to {$4800.00}. I did not realize this illegal debt collection practice. My credit has also been ruined.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

Account name/number : Springoakcap ( # XXXX ) I am not liable for any debt with XXXX XXXX, I did not contract with Spring Oaks Capital and do not acknowledge the debt nor did they provide original documents as requested.
Consumer complaint received 2024-07-26
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
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. (FL)

XXXXXXXX XXXXXXXX XXXX/comenity bank. 
Balance on my credit XXXX  inaccurate. 
Balance is all finance late fees Purchased & paid XXXX for XXXX that was never received. I XXXX  for it because the woman i spoke to originally told me to pay the XXXX & they will look into situation & resend. Well they did not & they keep sending me rediculous statements every month by adding more late fees, This is creating a bad mark on my credit history. 
Everybody i speak to XXXX  XXXX  bank Are useless. They say will take care of my problem but they do nothing.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

I'm REWRITING to complaint to COMENITYBANK-VSMC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Consumer complaint received 2019-08-07
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: Experian Information Solutions Inc. (IL)

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XX/XX/XXXX per my credit reports. I reached out to XXXX and Experian in regards to the following accounts : XXXX  XXXX XXXX XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS ()

I am writing to file a formal complaint against LexisNexis regarding their failure to delete incorrect information on my consumer report. Specifically, LexisNexis has continued to report a XXXX XXXX Bankruptcy that should not be present on my report.

I have already provided LexisNexis with proof from the courthouse confirming that this bankruptcy is inaccurate and should not appear on my report. Despite this, LexisNexis has failed to remove the erroneous information.

They are in violation of the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' It is my understanding that under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are obligated to ensure that the information they report is accurate and up-to-date. They are also required to conduct a reasonable investigation when a consumer disputes the accuracy of the information in their report. LexisNexis has not fulfilled these obligations.

The continued presence of this incorrect bankruptcy on my report is causing significant harm to my creditworthiness and financial standing. I request that the CFPB take immediate action to ensure that LexisNexis deletes this inaccurate information from my report and confirms this deletion in writing.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

I have an interest-only home mortgage with Wells Fargo XXXX XXXX of the main features I wanted with this mortgage was the ability to pay down the principal and recast the monthly payments. I was reassured by my banker, XXXX XXXX, XXXX ID XXXX, that this was possible. In fact, in his initial emails, he had the following in his signature : " We have a free recasting service that allows you to buy your principal balance down by {$20000.00} or more, where we will re-amortize the monthly principal and interest payment based on the buydown amount ( essentially will lower the principal and interest payment based on the buydown amount without making you go through a full refinance ). This is a free service that you can take advantage of as many times as you want. '' I attempted to do this and was told this is not possible with my mortgage before the XXXX interest-only period is over. XXXX misled me during the application process.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (PA)

Dear Marcus by Goldman Sachs, Im writing to express my frustration with your service. Due to a failure to authenticate my phone number, my account has been locked for several days. Despite multiple attempts, Ive received no solution to regain access.

This situation is unacceptable, and I urgently need access to my account. Please address this issue immediately and provide a resolution as soon as possible. 

Sincerely, XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (MI)

This serves as an official letter, and I am choosing to opt out of MicroBilt. I want to opt out permanently of the prescreened offers of credit and insurance, sharing of credit information with affiliates, and direct or third-party marketing lists of MicroBilt.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AL)

I am REWRITING to LVNV FUNDING LLC to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (AZ)

I received an email XX/XX/year> from XXXX XXXX XXXX by XXXX that I had a past due balance with Affirm Inc . I NEVER used Affirm nor do I have an account with them. It was made for an unsecured loan???? Apparently this was taken out on XX/XX/year>, a payment was made in XXXX and nothing further, hence the 30 days delinquent. I have excellent credit and this lowered my credit score by XXXX  points! I have called Affirm and got no where because they have no information under my name. They said they will file a case under my name, email, and phone number??? I also called XXXX and reported this as a fraudulent account and identity theft. They are looking into it further. I now have security freeze and fraud alert. XXXX and XXXX had no report of Affirm on my credit report. 


Thank You