davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

This company is fraudulently reporting a collection account and each it is disputed onn my credit report it is verified the information from the credit reporting agency AWA verified as correct and they increase the balance by {$1.00} harming my credit score each time. I have provided by certified letter my correct mailing address and a written dispute and a copy of the receipt. I paid the original creditor and have been disputing this several times over the last few years. I brought my receipt to original creditor whom I prepaid for the procedure and they stated that it was reported to collections in error and XX/XX/2016 it was manually cleared from collections. Office Manager XXXX showed me on her computer when I visited the office about this collections problem it was cleared manually in XX/XX/2016 and AWA was manually notified this debt was sent to collections in error and she stated she knew a collection manager at AWA and would have it deleted ASAP. The next day the collection balance was increased with the credit reporting agency and dropped my credit score again. This company is in violation with the law. Also the original creditor stated they have never verified this debt as valid and was shocked at the problem I was having. I am a consumer with rights and they are not only ignoring them they add a dollar to the balance every time I try to dispute this. So they are purposely harming my credit for a debt that was not only paid but PREPAID before the procedure was done. I have written proof of every attempt to get them to properly remove this item and that it is and was paid.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

The company has on my credit report multiple months that the account was charged offer when they only charged it off one time. Inaccurate information on my credit report. I was also not notified of the charge off. I also never received the tax documents to report is as income.
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Due to unforseen circumstances that have lead to involuntary hardship, making it difficult and impossible for me to repay this debt and other debt obligations. I am providing you a copy for evidencing purpose, reciept of my XXXX XXXX XXXX so that you may review my circumstances and take appropriate action on account that is uncollectable debt. My situation protects me as a person on XXXX XXXX XXXXXXXX from having my income garnished by a creditor for the purpose of debt collection for private debts like credit cards. The reporting of this collection account to all three major credit reporting bureaus as a XXXX XXXX XXXX further puts me in an even more serious financial hardship crisis. 

Due to rising cost of living expenses, rent, utility, gas, food and especially car insurance premiums and other unforeseen financial hardship there is no way possible for me to satisfy this debt and other debt obligations. 

Please see attached documents regarding XXXX XXXX XXXX recipients and ( FDCA ) laws protecting XXXX XXXX XXXX recipients from Garnishment of this benefit income, making account debt uncollectable.
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (CA)

I refinanced my home in XXXX with Wells Fargo. 
XX/XX/XXXX, I received a letter from WF that stated during a review of the Wells Fargo account, we identified that we may have approved a loan that did not provide a sufficient or tangible benefit during the origination of the account. As a result, we are enclosing a check for {$720.00}. Please cash or deposit at your earliest convenience XXXX XXXX XXXX  XXXX I called WF upon receipt of this letter. Having looked up the laws, I knew that this was pertaining to the FHA net tangible benefit rule. Research has shown that I am entitled to my closing costs plus interest because there was no net tangible benefit from this refinanced mortgage. Customer service told me that I could request mediation via a paper document sent to me in the mail to inquire about how the amount of {$720.00} was reached. They said the form would arrive within 30 days.

My closing costs on this loan were {$1200.00}. I believe that {$720.00} is too low.

The form never arrived. I called back over 60 days later. A WF rep confirmed that the form had not been sent and assured me that she had expedited another one that would arrive within XXXX weeks. 

After XXXX weeks, I called again. This time I was told that my issue with Wells Fargo is not eligible for mediation and that is why I never received the form. When I asked for the calculations behind the check I received, I was given vague language this amount is a portion of your closing costs plus some interest. 

I believe I am owed more than {$720.00}. Wells Fargo will not provide any calculations and told me that I have no further recourse to request this information.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

I still have a balance of XXXX XXXX  in Chase Bank XXXX They said they closed my account and sent the balance in my address in XXXXXXXX XXXX but I have not received it. I talked to them and they said wait for it. I waited but no check for me arrived. I moved to XXXX XXXX and checked it again at Chase Bank and they told me they already sent it to my old address in XXXX. Please help and send your reply to my email address. Thank you very much.
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. (VA)

As I was getting ready to apply for a car loan with my bank, I glanced over my credit report to observe my consumer report ; I noticed a lot of unauthorized, inaccurate accounts that were reporting to my name. I am terrified that someone out there has my information and has been using it. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am unable to get a good rate on my car loan due to the misinformation reporting to my name. I am terrified that an anonymous individual has been misusing my personal information for mischievous actions. Please help I am completely stressing out due to the fact all this information hindering me from obtaining a reasonable car loan and future home loan that I have been working hard and saving towards.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

I have been a loyal customer of Chase Bank since XX/XX/XXXX, never had any issues with Bank until recently, On XX/XX/XXXX when I logged into my Bank account, I have noticed there were Unauthorized/Fraudulent transactions happened, where funds ( {$2000.00} ) have been transferred to XXXX XXXX on XX/XX/XXXX. I called Chase Bank immediately to report unauthorized transactions. And I have reported the same to local police at XXXX XXXX XXXX Police Department in XXXX, PA., Spoke with police officer XXXX and briefed him about fraudulent transactions in my Chase Bank account and potential identity theft, and Case has been filed. Also reported the same to FTC at IdentityTheft.Gov. And also reported to all credit bureaus about potential identity theft and requested for credit freeze, I have requested Chase Bank to locked down my account and transactions until further notice or until I close my account. 

I have requested Chase bank to dispute {$2000.00} unauthorized transaction happened on XX/XX/XXXX. But Chase Bank closed my claim without resolving it.
Consumer complaint received 2024-10-29
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: TOYOTA MOTOR CREDIT CORPORATION (ME)

I am writing to request continued oversight and assistance regarding an unresolved dispute involving my account ( # XXXX ) with Toyota Financial Services. Despite a previous complaint and response, the account remains inaccurately reported as a charge-off, which has significantly impacted my credit score and financial stability. 

Background : In XX/XX/XXXX, my daughters car was involved in a no-fault accident and was totaled. Toyota Financial received an insurance payment, leaving a remaining balance of {$2200.00}. In response to a letter from Toyota Financial dated XX/XX/XXXX, I established a monthly payment plan of {$190.00} with Toyota Financial on XX/XX/XXXX. I adhered to this plan and submitted payments promptly, including a payment scheduled on XX/XX/XXXX. 

However, since XX/XX/XXXX was a holiday, the payment was scheduled to clear on XX/XX/XXXX. Without warning ( no phone or email ), Toyota Financial closed the account on XX/XX/XXXX, canceled my scheduled payment, and sent the account to collections, resulting in a charge-off. Following this, I settled through XXXX XXXX Solutions on XX/XX/XXXX. Despite this, Toyota Financial has continued to report the account as charged-off, resulting in a dramatic credit score drop and limiting my financial options. 

This sequence of events, including an account closure just five business days after the scheduled payment date, is irregular and suggests a potential mishandling of my account. 

Additionally, my payment record shows timely payments prior to this incident from loan inception, reflecting my commitment to good standing with Toyota Financial I am requesting that the CFPB continue to oversee this matter to ensure Toyota Financial accurately updates the credit report for both me and my daughter, removing the charge-off status and marking the account as Paid in Full without negative remarks. I believe this continued support is crucial, given the adverse financial impact this inaccurate reporting has caused and the lack of responsiveness from Toyota Financial.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$2300.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (MI)

I have asked XXXX, Equifax, and XXXX to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I XXXX review to see if this is actually an account that belongs to me or remove within XXXX  days. XXXX have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  Dealer ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Card services ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). They are reporting things I had no idea was in my name and all XXXX bureau XXXX XXXX my consumer rights.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OR)

We have an American Express Platinum card. We tried to make a payment, but due to an error with XXXX XXXX XXXXXXXX, the payment was returned. My partner, who is the primary card holder, called American Express and a customer service representative told him to resubmit the payment and that no charges or fees will be deducted. The information provided by the customer service representative was incorrect, as American Express retries declined payments up to 3 times. This led to a lot of wasted time, and 2 charges for returned payments of $ XXXX. American Express claims to record their conversations with clients, however, they are unwilling to cooperate and listen to the recordings or be responsible for the faulty advice their employee gave. We are being charged {$58.00} due to their negligence, lack of training, and unclear procedures that even their own employees don't understand.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I was scammed XXXX  times The first time I sent money to XXXX, XXXX XXXX, XXXX wallet XXXX  The next was the XXXX  which was XXXX The third time it XXXX  I Sent themXXXX, XXXX, XXXX and XXXX they said they have XXXX to send it to me and they want XXXX more, XXXX  XXXX said if I paid the tax XXXX and XXXXXXXX XXXX XXXXXXXX The forth time is was XXXX-coin I spent XXXX and I was supposed to get XXXX The next fifth time was a lawyer and XXXX XXXX I XXXX them XXXX and they wanted XXXX I have a FINRA complaint, XXXX police report, and a social worker report
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS (MI)

A serious problem has arisen with the XXXX credit cards XXXX, XXXX, XXXX, and XXXX that XXXX XXXX XXXX XXXX of chase XXXX XXXX I discovered has lied to me telling that scam XXXX also XXXX XXXX XXXX XXXX fake XXXX XXXX and XXXX working with XXXX fake degrees from XXXX XXXX. As doctor under License no. XXXX and TIN # XXXX and XXXX and now aware from complaint XXXX and XXXX XXXX. XXXX at Michigan XXXX XXXX XXXX that my personal information are used there by XXXX XXXX in an email I received from the XXXX XXXX XXXX XXXX. She lied because I am now informed through LexisNexis XXXX no. XXXX that the XXXX credit cards used in my name are from XXXX XXXXXXXX and those assign claim numbers are XXXX and XXXX all still unpaid, below? 


Why did XXXX XXXX XXXX XXXX?
Consumer complaint received 2024-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, someone who knows me called up Chase bank in the middle of the night, and also XXXX, two banks in which I have savings accounts that are only in my name. That person fraudulently impersonated me, using my SSN, and also other private information and passwords.

During a telephone call, this person requested a telephone transfer of {$150000.00} from my personal savings account at Chase bank, on which I am the only signature, and had those funds transferred to a joint account in which we both have access to.

Immediately upon the transfer of those funds into the joint account, this impersonator removed all of the {$150000.00} from the joint account, into his business account, to which he is the sole signature, and then removed the entire amount out of Chase bank via cashier 's check.

I have the actual phone call of the impersonation and the telephone wire, I have all of the documents from various bank accounts to indicate how the money and where the money traveled, and I have a XXXX cellphone bill records indicating who made that call to Chase bank.

I filed a police report and I also filed a complaint with Chase bank, providing them all of this information. Chase bank indicated that it does not fall under their definition of fraud.

According to the law, the bank is FDIC insured and legally responsible to return money that was fraudulently removed from my account.

I am now reaching out to the cfpb to assist me and protect me from this fraud, and to reach out to the bank to take responsibility for the incident of allowing someone unauthorized to access my account.

The impersonator was intentionally trying to fraud the bank and to remove my money from my account, as he did the same thing at XXXX, to which I will also be sharing the evidence of those subpoenaed phone calls.

I am attaching the following documents : Chase phone call impersonation ( ** this file is too large to attach here, it's over 10 MB ) 3 subpoenaed phone calls from XXXX for impersonation on the same date ( ** this file is too large to attach here, it's over 10 MB ) XXXX cell phone bill, scroll down to page XXXX to see phone calls circled in red Money originating from my Chase bank savings account ( bank statement indicating " telephone transfer '' Joint bank account at Chase bank where the {$150000.00} went, also identified by " telephone transfer '' Business account of XXXX XXXX, where the {$150000.00} then traveled. 
Cashiers check for the amount of {$150000.00} The check deposited and bank statement in a new bank ( XXXX XXXX ) Police report filed at time of incident
Consumer complaint received 2024-10-03
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. (NC)

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 



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Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. 
( XXXX  XXXX Date opened XX/XX/2019 XXXX {$0.00} )