davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (NY)

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 2024-09-02
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. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank XXXX XXXX XXXX, XXXX, NY XXXX They changed the address to my custodial account to a non account holder/contributor without my permission or knowledge. I went to the branch after the fraud department told me I had to do it in person and they said they would conduct an investigation- the fraud department had knowledge of what happened. I should note that the address was changed to my son 's father address who I have a history of domestic violence with. They told me they saw the address changed but they could provide no further information on the action of what happened. I want what happened in writing and corrective action so I can go to the police and press charges as well as protect my privacy which I have a right to. I am more than sure he has access my accounts although he may have not been able to change the addresses or make any withdrawls/changes. This is not right and needs to be taken care of.
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (SC)

First of all, I do not like to complain or stir up any problems but am scared what I have been threatened with from a loan company named check-n-go and do not know where to turn. I took this loan out last year and then fell into a hardship. I have since became XXXX, lost my home and had to separate with my husband. 

I received a voicemail from a gentleman named XXXX XXXX on XX/XX/XXXX in regards to that same loan. I tried calling back to speak with someone to see what could possibly be done because my uncle received a call as well not to long ago threatening legal action against me. 

When I called the phone number back, XXXX I spoke to a lady named XXXX XXXX. She stated to me that they are currently filing a case against me with three allegations. She states that I had committed fraud and would be in trouble or for writing bad checks. She stated that this would hurt me forever. She asked me if I wanted to say anything to explain myself. I was extremely nervous and frightened and did not know what to say but asked her how I could stop this from happening to me. She said I would need to come up with money immediately. 

I did not have any money but out of fear told her I may be able to come up with something tomorrow but would be very little to buy myself some time. She asked me if I was working and I explain that I am not but I am currently looking for work. She stated that if I put {$210.00} down it would put the case on hold, and then I would need to pay {$130.00} a week. Not knowing what to say to her, I told her I would have to call her back. She said that if I hang up the phone, the case proceeds and that I may not have the chance to fix it. I asked her if she could give me until Friday and she said that she couldnt make any promises. Obviously there is was nothing I could do at the moment and I have been extremely scared. 

Since this phone call, my child and I have moved in with my parents and have been scared to leave the house due to fear of having any legal issues. I spoke with my father because he did not understand why I have been so scared and I explained to him the situation I am facing. He stated to contact the CFPB because I should not be threatened by this company and hopefully this would stop them from doing this to someone else. 

I am well aware of my obligations and as soon as I get back working, I will try to pay what I can.
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (IL)

I went to purchase vehicle. The owner ( XXXX  ) did not disclose with me the interest of the purchase of the car. I never received my paperwork. He kept saying I would receive it. I never receive my purchase of the vehicle paperwork. I spoke with my vehicle loan company ( Westlake ) and they said my payment is not XXXX it is XXXX because of interest and the car lot ( XXXX XXXX ) did not disclose that with me when purchasing of the vehicle. I found out the full amount of the loan last month. XXXX XXXX sold me a car that was over priced and did not disclose the full amount. I never received my paperwork from XXXX XXXX. XXXX XXXX did not disclosed an amount of the loan correctly. I feel taken advantage of.and need help. I wouldnt have never accepted that car for that price. I feel taking advantage of because I am a women and the men pressured me to buying that car. They said I had a warranty I tried to get my car fixed because the brakes, rotors, axles, and engine light was on. I call the loan company put in an estimate for the car getting fixed and was denied. The warranty did not cover none of the issues of the car. I had to pay out of pocket for the cost.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I am writing to formally express my concern and frustration regarding the handling of recent charges to my account, which resulted in overdraft fees and a significant negative balance. Despite having insufficient funds, my account was allowed to go negative due to charges from XXXX that were not rejected. Instead, these charges were processed against my debit card, pushing my account into overdraft and incurring substantial fees. 

I am currently experiencing financial hardship, making it extremely challenging to bring my account back to a positive balance. I expected XXXX XXXX systems to safeguard my account from going into the negative by rejecting charges when there are insufficient funds available. Allowing these transactions to go through not only led to fees but also put me in a difficult financial position that could have been avoided. 

I kindly request that Wells Fargo reverse these overdraft charges and review its practices to ensure that similar situations are prevented in the future. Your assistance in resolving this matter is crucial as I work to manage my financial obligations. 

Thank you for your attention to this matter. I look forward to a prompt response.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Skrill USA, Inc. ()

After depositing {$10.00} into my Skrill account, I am unable to withdraw it. To help you better understand what kind of trick they use to prevent you from withdrawing your money, they simply set a withdrawal limit below what you deposited and a maximum amount above what you have, making it impossible to withdraw. Although I have verified my identity on the account using the required documents and been approved by the Skrill team, as well as sent an email complaining about what happened, the situation remains the same. I hope for a solution to this problem that has been going on for weeks. Thanks in advance.
Consumer complaint received 2024-09-02
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)

Experian is keeping this inaccurate/invalid account on my credit report. They are in violation of the FCRA 15 u.s code 1681e compliance procedure. They have not properly validated this account before reporting it on my consumer report and did not do a proper investigation after notifying them of the issue. I have contacted them about this account multiple times in the past, and they keep saying this account is verified accurate. The alleged original creditor could not provide sufficient documentation to me. There is no way a real investigation was done on this issue, because the original creditor could not provide sufficient evidence to validated or support this account. This account is inaccurate and must be removed immediately!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Tuesday, XX/XX/2023, I attempted to purchase a train pass with the account I had with Bank of America. The transaction was declined on two separate occasions. I called the bank and was informed that my account had been closed with no explanation. They did not give me a reason as to why the account was closed. I had funds in the account and it was not in the negative. I have been calling Bank of America since Tuesday, XX/XX/2023 and I keep getting the run around. I keep getting told that I have to wait for a response from them on whether or not they can release my funds to a Bank of America branch which can take XXXX days. I was also told that the account will not be completely closed until XX/XX/2023. 

There is no reason why someone has to wait for a bank to release YOUR funds. This is definitely unethical and I would advise no one to do business with Bank of America. I have had nothing but problems with them.
Consumer complaint received 2024-07-24
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. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-02
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach AND THE 2024 data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a car loan and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Consumer complaint received 2024-07-24
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. (NC)

I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-04
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. (OH)

These is my several endeavors to tell you that I am a XXXX XXXX XXXX XXXX  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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX XXXXXXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$440.00},
Consumer complaint received 2024-09-26
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-18
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: ACIMA CREDIT, LLC (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-02
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. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX immediately. 

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
Consumer complaint received 2024-09-02
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have right to privacy XXXX XXXX XXXX section XXXX A. Section XXXX : it states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2024-09-26
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-02
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. (FL)

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2024-09-02
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. (FL)

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX, US dept of ed opened on XX/XX/XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.