davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (CA)

I am filing this complaint to XXXX XXXXXXXX XXXX XXXX for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-10-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (FL)

XXXX XXXX, an agent of Rocket Mortgage informed me that if I choose Rocket Mortgage, they offer interest rate reduction when the Federal Interest rate decrease. He never ever told me that I cant do it until after 6 months of having the loan. Once again, this is another Mortgage Co telling me misinformed information. And XXXX XXXX  told me that this is not refinancing under the VA streamline program if I request a lower interest rate reduction based on the VA program. So, later, I requested from Rocket Mortgage to lower my interest rate in the streamline interest rate reduction program now that the interest rate has decreased, and Rocket Mortgage told me that I have to refinance. This is misinformation. And the reason why Rocket Mortgage should have given me this crucial important information is because then I may have not refinanced with Rocket Mortgage or even used their Company. They misled me so that I would agree to refinance my mortgage with them, Rocket Mortgage
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (PA)

company known as CLIENT SERVICES calls every day at least once a day from different numbers located from all over the US. they are unable to confirm my information based on their records and are unable to inform me of when i entered into any form of financial agreement with them. my debt is neither with them nor was my personal information granted to them by myself.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CFPB NOTE-This is not a duplicate complaint. The issue was not addressed with first or second complaint and is NOT frivolous. This is serious complaint that has not been addressed by lender. Do not delete this request please. Please send to Capital One Auto to address this issue. Thank you. 

I am disputing again, the late pay Cap One Auto is placing on my auto loan. I disputed once and they did not remove, but I wanted to provide additional information to request Cap One to remove this late payment. I do not agree with their decision. Showing the inaccurate late payment has lowered my credit score and is keeping me from purchasing a home loan due to recent late on major account. 
In 2022, I was dealing with the death of my father, and had my car totaled toward the end of the year. I worked diligently with Cap One during this time to make my payments until the insurance paid off. Once the payoff was issued to the insurance company, I was told to not make a payment until the payoff was received. I had to wait for the final amount once the payoff was posted. Technically, I was paid ahead on the loan, and certainly not late. 
Once the payoff was made, I then called Cap One Auto and was told the balance was left was just over {$100.00} to pay off the remaining balance. I was told I needed to have the money into the company by XXXX to pay off the loan. I met this requirement and paid the loan off by XXXX PST. I was not told until I disputed the late with Capital One, that I needed to make it by XXXX EST. This is ridiculous they can not correct this late, as it truly is not a late payment since I was paid ahead of the payments needed, but it was the final very small balance left due. 
It was not an intentional missed payment and does not reflect how I handle my debts. I will take this to state attorney generals office and any other attorney or consumer help to get this unwarranted late payment off my credit report. 
If Cap One Auto TRULY feels their stating me as LATE ON A PAYMENT reflects how I paid my bill to them, I request the proof from them to support the showing of this late payment. I request a copy of the conversation logs on my account and payment history. This was not a late payment due to inability to repay or ignoring this debt!
Consumer complaint received 2024-10-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (NJ)

XXXX XXXX XXXX, XXXX, XXXX cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of an auto loan from Chrysler Capital opened on XX/XX/XXXX and account number ( XXXX ), A utility account from bullcity financial opened XX/XX/XXXX acct number XXXX, A mobile phone account from XXXX XXXX XXXX opened on XX/XX/XXXX acct number XXXX do not recognize the aforementioned accounts or collection accounts. That is reported by XXXX, XXXX and XXXX was not made, initiated or opened by me. The aforementioned accounts are a result of identity theft and fraud.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (OH)

I bank with chime bank over 5 years now. I noticed last week I had a transaction that I did not do with XXXX when checking my account. I ordered food for my kids that night and went to sleep and woke up noticed last night a XXXX was also ordered and then more transaction that morning trying to go through.Thank goodness I locked my card because I still have my card in my purse. I do a lot of online purchases and save my card to my online accounts. The fraudster also tried to use my card at XXXX, XXXX and XXXX again but luckily I locked my card so they all got declined. I contacted my bank once I seen my card declining purchases. I was making sure my card wasnt being used in my brother XXXX account and mine no purchase was from XXXX on XXXX so I knew my card been comprised probably online. The agent at the bank was questioning me and putting me on hold while I tried to do the dispute and I can tell he thought I was lying. The transaction was only XXXX dollars and thankfully I locked my card in time so those other transactions didnt go through. The bank closed my dispute literally less then 24 hours and said it was not fraud. I am upset I basically lost money from a fraudster and my money in my account so not safe because if someone comprises my information again somehow I will not get the money back.I called this morning to submit a complaint or feedback because my dispute wasnt investigated just closed because I know the agent thought I was lying for XXXX dollars. The agent told me she can only notate my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and if we cant help customers because of policies and procedures we take the customer complaint and feedback at least Chime makes me feel like they are not a real safe bank to use I never had any problems until now with this bank I really loved them.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I am writing to seek your assistance in a financial fraud case that has caused significant financial losses for me and several of my friends. I believe this case involves criminal activity, including the use of stolen identities and stolen credit cards. 

Summary of the Situation : I was initially contacted by a buyer through XXXX XXXX who successfully purchased XXXX items from me. After establishing trust, the buyer requested that I help him obtain multiple XXXX XXXX XXXX and XXXX XXXX models, offering an additional {$100.00} for each phone. Over the course of these transactions, I sourced around XXXX phones for the buyer. 

The buyer made payments to me via Venmo using the XXXX XXXX XXXX option, which made me believe the transactions were legitimate. However, after receiving the goods, the buyer claimed my Venmo account had reached its transaction limit and requested I use different accounts to receive further payments. I then involved several friends to facilitate these payments. 

In total, the buyer sent me around $ XXXX. After all the phones were delivered, I was still owed approximately {$6000.00}. Shortly after, I learned that the buyer had used stolen identities and credit cards to make these payments, and Venmo began disputing the transactions to me and my friends. I am now being held liable for all the disputes that are occuring.
Consumer complaint received 2024-10-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IN)

JEFFERSON CAPITAL SYSTEMS LLC ARE FRAUDULENTLY TRYING TO COLLECT A PAID IN FULL DEBT FROM XXXX. THEY ARE FALSELY CLAIMING THE DEBT IS FROM XX/XX/XXXX. I DO NOT HAVE AN ACTIVE ACCOUNT WITH XXXX XXXX. I USE XXXX XXXX. THE ACOUNT WITH XXXX FROM XXXX THRU XXXX WAS PAID IN FULL. I DO NOT OWE ANYTHING TO XXXX XXXX. I AM SUBMITTING THE DOCUMENTS TO SHOW I HAD A XXXX BALANCE WITH XXXX IN XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-30
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. (TX)

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 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX, i received email notification from Wells Fargo Bank that an anticipated deposit was now available in my WFB checking account- '' Your deposit is available right now with Early Pay Day 1 ''. 
-On XX/XX/year>, received notification from Wells Fargo Bank that an anticipated deposit was not available in my WF checking account. A different platform, same information provided by WFB. 
-Using the online app-i saw visual confirmation that the funds from anticipated deposit, was indeed in my WF checking account. A third confirmation that the funds were available. 
-On XX/XX/year>, i paid several creditors as per my agreement with my creditors. 
-On XX/XX/year>, Wells Fargo Bank refused to pay the my creditor, though funds were available on XX/XX/year>. 
-Wells Fargo refusal had a negative affect on my reputation as a credible customer when paying my bill and promise is not honored by my bank. 
-Wells Fargo discontinued previous service of 24 Hour Overdraft Protection-its right to do so is unquestioned.

-In addition, Wells Fargo Bank is practicing unethical behavior as, though deposits are available on XXXX, it debits the accounts before crediting the account for funds that it communicated twice to the customer on two separate platform that funds area available. In my opinion, this manipulative action, is contrary to the building trust in our financial institutions-that Wells Fargo Bank has a history of tarnishing.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-10-23
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. (VA)

Name of Collection Agency : Resurgent Receivables LLC Amount Reported : {$950.00} Date of Report : XX/XX/year> Credit Reporting Agencies Affected : XXXX, XXXX, XXXX Fair Debt Collection Practices Act ( FDCPA ) Violations : Under the FDCPA, debt collectors are required to provide accurate information regarding debts, and any attempt to collect an incorrect or disputed debt constitutes a violation of my rights. I have not received any proper validation of this debt from Resurgent Receivables LLC, as required by 15 U.S.C. 1692g ( b ). They must provide verification of the debt within 30 days of my request, which they have failed to do. 

Fair Credit Reporting Act ( FCRA ) Violations : The FCRA requires that all information reported to credit bureaus be accurate and verifiable. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. Resurgent Receivables LLC has reported a debt that I do not owe, which is a clear violation of my rights under the FCRA. The inaccurate reporting has negatively affected my credit score, and I am requesting immediate correction. 
Lack of Validation and Verification : As per my rights under the FDCPA, I previously sent a request for debt validation to Resurgent Receivables LLC, which they have either failed to respond to or provided insufficient evidence to substantiate the claim that I owe this debt. Without proper validation, they are not legally permitted to continue collecting the debt or report it to credit bureaus.
Consumer complaint received 2024-09-06
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. (TX)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-06
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. (TX)

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX {$510.00}. 
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  {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-10-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ID)

I keep receiving emails from XXXX with a false amount due and the following numbers to call : XXXX XXXX These are bogus # '' s trying to get a response to give personal info. 

One of the emails from XXXX : Hello, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Billing has updated their money request Updated request details Amount requested {$1300.00} USD Note from XXXX  Billing : Don't recognize the seller? Please contact PayPal Support Team immediately at XXXX ( XXXX ) XXXX ( Toll Free ). If you have any issues, you can also contact XXXX ( XXXX ) XXXX ( XXXX XXXX ). If you do not reach out, we will proceed with the transaction. 
Transaction ID XXXX Transaction date XX/XX/year> Pay Now Don't recognize this request? 

Before paying, make sure you recognize this person. Don't engage with this request if you're unsure about it. PayPal won't contact you through a money request. Learn more about common security threats and how to spot them. 

PayPal Help & Contact | XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

Not sure why you received this email? Learn more XXXX XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-10-30
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bepensa Capital, Inc. (NC)

I asked to be contacted through email instead of the phone due to my work hours. I have saved the emails and communications with this company, and they continue to call my family and friends even after talking to me through email. When I asked them why they said because they can.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX XXXX  filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.