davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (IL)

I purchased a box for internet service in XXXXXXXX XXXX  for the purposes of securing a property I was currently renovating to sell. I sold said house located at XXXX XXXX XXXX in XX/XX/2024 I notified XXXX to cancel services. There was a disconnect, the company was sending mail to the subject property address which I wasnt receiving. On XX/XX/2024 I spoke to a representative with XXXX that sent me out a return label package to XXXX XXXX XXXX ( my billing and shipping address ) on XX/XX/XXXX I took that package and XXXX equipment to be shipped at XXXX store # XXXX at XXXX the tracking number is below and I have a copy of the receipt. XXXX I have called XXXX several times to give them This information, I went back to the XXXX where I was told there was nothing for me to do, the merchandise was successfully dropped off and shipped. It was on XXXX if their shipping and receiving didnt Input it. XXXX negligence is unacceptable. XX/XX/2024 my credit report was negatively impacted and reports with a collection damaging and dropping my credit score over XXXX while Im in the middle of escrow. XXXX is still giving me the run around. On XX/XX/2024 I spoke to several different agents, was on hold for numerous times, hung up on and a supervisor was ever provided after I requested to speak to one repeatedly. I spoke to XXXX then after 40 min transferred me to the collections dept. IC Systems
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On Sunday XX/XX/2024 I received a call from someone stating that they were from Wells Fargo Bank asking if I had authorized XXXX XXXX transactions totaling {$3100.00}. Of course I said NO. I googled the number and it stated it was Wells Fargo Bank. They proceeded to instruct me that in order to reverse the transaction I would have to access my checking account and follow their instructions which I believe caused me to send them the money. I hung up with them and immediately called Wells Fargo Bank and was told that I had been scammed. They informed me that XXXX is an immediate transfer of funds with no waiting period. Why not a XXXX or XXXX hour waiting period. I called within XXXX minutes of being scammed. Why are banks allowed to do it immediately. I received a letter dated XX/XX/2024 from Wells Fargo Bank on XX/XX/2024 denying my claim for reimbursement of my funds. It took them XXXX day to investigate my claim. Not much of an investigation in my book.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

In XX/XX/year>, I was contacted by someone on XXXX who introduced me to crypto.com and XXXX trading. They guided me through a series of transactions, starting with depositing money into my bank account. I was then instructed to purchase crypto.com assets, transfer the funds to a bank account they provided, buy bitcoins, convert them into XXXX, and deposit the funds into a XXXX XXXX for trading or betting purposes. 

They continuously urged me to deposit more funds, promising higher returns. Unfortunately, after investing approximately {$31000.00} ( plus bank fees ), they disappeared, leaving me with {$29000.00} in debt. 

I have already reached out to crypto.com to raise my concerns, but my request for assistance was denied. I am now seeking your help in this matter. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment for this account was made on time for the billing cycle due in XX/XX/XXXX, but the creditor incorrectly reported it as late. I have attached bank statements and payment confirmation showing that the payment was successfully made well before the due date. 
Despite my timely payment and the evidence provided, the late payment entry has not been corrected by the reporting agencies. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I was notified by XXXX of a collection placed on my credit profile, from TRANSWORLD SYSTEMS INC on XX/XX/XXXX. 
The original Creditor being XXXX. 
It says this account was opened on XX/XX/XXXX and has a past due balance of {$500.00}, as of XX/XX/XXXX. 
When I called TRANSWORLD SYSTEMS INC, explaining that I never opened an account with XXXX, they said this account was actually from XXXX. However, they are reporting this account newly opened in XXXX, trying to restart the process. According to 15 USC 1681 ( e ) b, all account information has to be reported accurately. Being as though TRANSWORLD SYSTEMS INC is a debt collecting agency, they already paid for the debt, meaning nothing is owed. Not only that, but they're not reporting accurate information. I have no contract with TRANSWORLD SYSTEMS INC, binding me to payment, and they can't produce a contract with my written consent, between myself and TRANSWORLD SYSTEMS INC. I will be sending a cease and desist, and have my lawyer sue for defamation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SYNCB/CARECR XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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: PENTAGON FEDERAL CREDIT UNION (MS)

Penfed credit Union is very impolite when calling talking to the representative she was very rude and rushy and they still wont remove the credit and I have sent them a letter and even their letters and response to me are rude most incompetent company out there by far!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies (NJ)

To Whom It May Concern, I am writing to formally complain about unauthorized hard inquiries made on my credit report by the following entities on XX/XX/year> : Prestige Financial ( Finance ) - -XXXX  XXXX Via Dealer ( Finance ) - -XXXX XXXX XXXX XXXX- These hard inquiries appear on my credit report without my knowledge or consent, and I did not authorize any credit applications or services from these companies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with the explicit authorization of the consumer or for a permissible purpose defined by law. These inquiries do not meet these criteria and, therefore, must be removed from my credit report immediately.

Additionally, under FCRA 15 U.S.C. 1681c ( a ) ( 2 ), credit bureaus are required to report accurate information. The presence of these unauthorized inquiries is a clear violation of this provision, as they inaccurately reflect my credit activity.

Furthermore, under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. Given the unauthorized nature of these inquiries, I demand their immediate removal from my credit report.

Failure to address this matter promptly will result in further action, including the possibility of pursuing legal action for damages under FCRA 15 U.S.C. 1681n, which provides for penalties for willful noncompliance with the Act.

I request that you take immediate action to remove these unauthorized hard inquiries and provide me with written confirmation that they have been deleted from my credit report.
Consumer complaint received 2024-10-01
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. (TX)

I recently had some old files deleted off my credit report which in turn, boosted my credit score. My credit score was nearing a XXXX score minimum. I was shopping for a car and had several inquiries pulled. I also filed for XXXX XXXX, to save my home. All three credit bureaus dropped my scores at least XXXX points. It seems as though when my scores are heading upwards for my credit betterment, the bureaus deliberately drop my scores XXXX or more points. I believe as an XXXX XXXX, I am being unfairly targeted to keep me in a poor credit status. Credit inquiries when car shopping should not have affected me so drastically. My score had dropped so low, which in turn will take a year or more just to rebuild it. These practices are unfair and unjust.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I Requested to have these inquiries removed from through both the CFPB and the individual credit unions Experian and XXXX XXXX attaching both my inquiry and identity theft letters. Without any progress or resolution. When I finally was contacted back from the credit bureaus they said they could not identify me.Although I know I attached my drivers license to the complaint. However I still followed their directions and went on each credit site to attach acceptable documentation identifying my self and still no resolution or response was given. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony bank attempted to charge {$2.00} interest on a {$4.00} balance ( in which they refunded me the {$4.00} because it was interest on a balance that was charged as a result of their failure to provide legal service of a prior monthly bill ). This card was paid off complete over 2 months ago when their billing issue began and was immediately put in the " do not use '' pile. 1 month ago the account was closed when they sent me the {$4.00} bill. And now they have refunded the {$4.00} and I get a follow up bill for {$2.00}, likely because of " minimum interest on the {$4.00} that they refunded. 

I've already submitted the {$2.00} payment to Synchrony and expect no further billing, only refunds.
Consumer complaint received 2024-09-11
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-10-01
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. (CA)

The response to my last dispute with company didn't resolve the issue at hand, I never claimed that the account wasn't mines therefore no police report was required, but what was sent to you and the company is that I was a victim of Human Trafficking bondage debt and was manipulated and forced to purchase this vehicle under duress, I was forced to do many things that weren't in my control, I sent supporting documents from the agency who helped me and still assisting me with getting my life back in order. 
XXXX XXXX account number XXXX has violated my rights as a victim of XXXX XXXX under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). They didn't take precautionary measures to assist me with this situation and disregarded the laws altogether. 
This is not acceptable and I am requesting once again for CFPB complaint XXXX to be reviewed again and taking care of immediately, the law states you have 15 days to correct this issue. If I don't hear in a timely manner I will be consulting with an attorney.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have requested investigations and request removal of a loan charge off due to incorrect information. All three credit reporting agencies, Equifax, XXXX and XXXX have been notified about this problem several times and nothing has changed, Im requesting that the charge off be removed immediately, I have reached out to XXXX XXXX as well and all I get from them is that they have sold the debt to someone else, when I found out who they sold it too I have been unable to get a response from them. This is causing me a lot of trouble and I'm trying to get things straighten out so that I can improve my financial situation but this is a major road block and very concerning that nobody seems to care how it has changed the course of action in my life and I feel like there will be no remedy for me and/or my financial future.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Dear Sir/Madam, I am writing to formally lodge a complaint regarding a significant financial loss I have incurred due to a fraudulent investment scheme and the subsequent lack of resolution from both the involved financial institutions and regulatory bodies. 

On XXXX XXXX XXXX, I was deceived into participating in an investment scheme orchestrated by individuals posing as representatives of XXXX XXXX XXXX. The fraudster, identifying himself as " XXXX, '' contacted me via text message, claiming that there was a fictitious charge on my account and that my IP and banking information had been compromised. He provided a phone number ( XXXX XXXX ) for further communication. 

Under the guise of protecting my assets, I was coerced into making a Wire transfer payment from my Citizens Bank account. This transaction resulted in a total loss of {$25000.00}. Despite partial recoveries facilitated by a scam recovery service named XXXX XXXX, I am still facing substantial financial detriment. 

After discovering the scam, I immediately contacted Citizens Bank to report the fraudulent activity and requested a reversal of the transaction. The Office of the Comptroller of the Currency ( OCC ) intervened and facilitated communication with Citizens Bank. Although Citizens Bank initially indicated they would assist, there has been no substantive progress towards resolving the issue or providing a refund. 

Despite multiple communications via email and phone, Citizens Bank has failed to provide any resolution or refund for the fraudulent transaction. 

Given the lack of response and effective action from Citizens Bank following OCC 's involvement, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance. Enclosed with this letter are copies of the following documents to support my complaint : 1. Letter to the Office of the Comptroller of the Currency ( OCC ) detailing the fraudulent activities and Citizens Bank 's response.

2. Correspondence with Citizens Bank indicating their initial commitment to assist.

3. Bank statements showing the unauthorized withdrawal and transaction.

I respectfully request the CFPB to : 1. Conduct a thorough investigation into the fraudulent activities and Citizens Bank 's failure to address the issue adequately despite OCC 's intervention.

2. Facilitate the recovery of the lost funds from Citizens Bank.

3. Implement measures to prevent similar scams from affecting other consumers in the future. 

I am available to provide any additional information or clarification as needed. Your prompt attention to this matter is greatly appreciated. I look forward to your response and the resolution of this serious issue. 

Thank you for your assistance. 

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