davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I have verified with my records that these addresses are incorrect and do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. 

Experian, XXXX, and XXXX have made it extremely difficult for the consumer to remove inaccurate information on their credit report. I have filed disputes with all bureaus and each bureau has additional hoops to jump through. Each company is in violation of Fair Credit Reporting Act ( FCRA ) Section 611 ( a )
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (TX)

This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on XXXX reporting as of XX/XX/XXXX. The last payment was not made on XX/XX/XXXX and is 30 days past due from XX/XX/XXXX reporting late every month from XXXX until XX/XX/XXXX. This is very inaccurate payment history reporting. I should have an active payment history from XXXX. XXXX, Equifax, and XXXX report different Account names as third parties XXXX XXXX XXXX XXXX This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. XXXX failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following account : XXXX Account number : XXXX.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (VA)

I TOOK OT A MONEY ORDER WESTERN UNION IN SIDE THE XXXX ON XXXX XXXX STORE IN XXXX VA XX/XX/year> FOR XXXX DOLLARS TO MAKE PAYABLE TO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I CALLED TRUSTEE OFFICE THEY STATED THEY NEVER GOT IT SO I CONTACTED WESTERN UNION TOLD THEM IT WAS EITHE LOST OR STOLEN FOR 5 WEEKS I CHECKED SAME ANSWER WELL WE EXCULATED TO THE TOP IT IS IN PROCESS THEN I ASKED COULD I GO TO XXXX TO GET A RFUND NO ANSWER I HAVE GIVE NUMEROUS DEADLINES STILL NOTHING IM XXXX XXXX  IT IS LIKE THERE TRYING TO STALL TO GIVE MY REFUND I TOLD THEM IF I DID NOT HEAR ANYTHING BY LAST FRIDAY I WAS GOING TO CONTACT CONSUMER PROTECTION ATTORNEY GENERAL AND THE XXXX I GUESS THEY THOUGHT I WAS JOKEING I WANT TO BE REFUNDED MY XXXX DOLLARS PLUS INTREST AND HARDSHIP THAT WAS MY HUSBANDS XXXXXXXX XXXX MONEY HE HAD TO MISS NUMEROUS XXXXXXXX XXXX XXXX XXXX XXXX DUE TO WESTER UNION NEGLECT
Consumer complaint received 2024-10-02
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 and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by 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 : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 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 ( 2 ) 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 account listed without my expressed written consent.
Consumer complaint received 2023-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX  and XXXX  of XXXX were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a capitol one credit card account On the date XXXX XXXX  for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live. I have attached my police report and identity theft report to this matter
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (PA)

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a 50-year term. 

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to XXXX XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, XXXX doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and XXXX have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SFMC L.P. (TX)

The builder of my home, XXXX, had a " special '' promotion when closing on a " qualified home '' they would pay up to {$28000.00} in buyers closing costs. Prior to closing on my new home, I asked for an explanation of why {$9400.00} of the builder paid closing costs had been moved to the builder ( seller 's ) side of the settlement statement because it looked to me like the mortgage company had done this to avoid XXXX  challenges. The mortgage lender, who was the ONLY mortgage lender I could use in order to qualify for this promotion, said it was just how the fees were assessed. I called BS because I used to be a XXXX XXXX and I know how these things worked. Basically, to avoid my closing costs being considered XXXX, they moved XXXX over to the seller 's side instead of providing me credit back from the seller for those OVERPRICED points. 
I'm REALLY angry at how builders can get away with this kind of " cornering the market '' with kickbacks from their " promo '' mortgage lenders. Why are mortgage lenders and builders allowed to do this? I was badly taken advantage of and want this investigated by the CFPB. There was NO reason my closing costs should have been over {$30000.00} on a {$370000.00} loan. If the " points '' had been included on my side as it should have been, my closing costs would have been nearly {$40000.00}- which is ABSURD considering I got a 6.25 % interest rate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am escalating my ongoing issues with Equifaxs failure to conduct a reasonable investigation of the inaccurate information on my consumer report. Despite my involvement in the Equifax data breach, they continue to report incorrect information as 'verified. ' While Equifax claims certain accounts are 'not reporting, ' they still update monthly and remain visible on my report. 
Equifax 's repeated failures to provide adequate proof of verification and comply with the Fair Credit Reporting Act ( FCRA ) violate my rights as a consumer. I have uploaded my FTC Identity Theft Report with my previous dispute to support my claims. 
If these issues are not resolved promptly, I will have no choice but to escalate my complaint to the Attorney General 's office and pursue further legal action against Equifax for their negligent practices. Therefore, I request the immediate deletion of all disputed accounts from my credit report, as Equifax has not fulfilled its legal obligations to ensure the accuracy of the information reported.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

A company called NATIONAL CREDIT ADJUSTERS placed a tradeline on my consumer reports in connection with an alleged debt they have not sent me any information on, and I was not given the right or opportunity to dispute this alleged debt. This agency is in violation of 15 USC 1692c, 15 USC 1692d ( 1 ), 15 USC 1692e ( 10 ), and 15 USC 1681s-2. I was not provided the chain of assignment, Papertrail as proof that I have used this account, a contract bearing my wet ink signature, whether this account has been reviewed by an attorney, or whether there is insurance on this alleged debt.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX, XX/XX/1997, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts listed ( XXXX  {$3400.00}, XXXX XXXX XXXX {$1900.00}, XXXX  XXXX {$2800.00}, XXXX  XXXX {$2500.00}, XXXX {$13000.00}, XXXX {$7400.00}, XXXX XXXX {$7400.00}, XXXX  XXXX XXXX {$2400.00}, XXXX {$1700.00}, XXXX XXXX {$790.00}, XXXX XXXX XXXX  {$63000.00}, XXXX XXXX  {$620.00}, XXXX XXXX {$3200.00}, XXXX {$1700.00}, XXXX {$2200.00}, XXXX XXXX {$7800.00}, XXXX XXXX {$600.00}, XXXX XXXX {$0.00}, XXXX  XXXX {$1600.00}, XXXX  XXXX {$3500.00}, XXXX XXXX  {$110.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 2024-04-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I have not been able to use my {$50.00} AMEX gift card I received as a gift. Every time I try to use it, it gets declined even though when I login to check the balance, it is {$50.00}. Especially when it comes to online orders or food delivery, it declines. I was able use it for a small purchase at XXXX to see if it works, and it had taken the money out but when I didn't pick up the item, it refunded me. My main issue is that I want to use it on XXXX, XXXX, or XXXX, and it is not allowing the purchase to go through. When I have used VISA gift cards on food delivery services, I never had an issue. When I call the AMEX number on the back, it takes me to an automated voice and I am not able to get any feedback or help.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (MI)

I requested American Express that I am unable to pay due to hardship and asked for a settlement. The agent at the time said they would consult a supervisor and call or send information regarding settlement. American Express did not provide that information. Subsequently, hired XXXX XXXX XXXX to file lawsuit instead. I called America Express and expressed my concern to the matter and the AE agent, XXXX XXXX, stated that the was no notations on file what so ever, even though I called previous numerous time, about 20+. They neglected to notate my account. I asked the representative when was the last notion and they stated there was never a last date where an agent notated. I asked if possible to escalate to American Express Settlement department to get a better understanding but transferred he transferred me to XXXX XXXX  XXXX. This is unfair since I am trying to stay afloat. For the past 8 month I am barely able to afford food. 
The whole time I am waiting for a response to be able to do something. 

XXXX XXXX  XXXX have harassed me with having paralegals call and state they're lawyers calling repeatedly to collect debt and that they will sue me with maximal penalty.
Consumer complaint received 2024-09-11
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: Best in Funding, Inc. (CA)

I am writing to formally dispute an account on my credit report that I believe contains several inaccuracies. According to my recent review, the account in question is listed with information that does not accurately reflect the current status of my account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), all information reported on my credit report must be 100 % accurate across all three major credit reporting agencies. Inaccurate information can lead to the account being either updated to reflect accurate information or removed from my report.

I have two of the same collection on my credit report as well as two different dates
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

Hello! I hope that this message finds you well! I wish to file a formal complaint against American Express due to the fact i've applied for them multiple times and I have gotten denied. I feel like I am being discriminated against based on the fact that I have a XXXX which is a violation of Regulation B. I also feel that American Express is violating the Unfair Deceptive Abusive Acts and Practices act because they aren't giving me any specifics for denial, even on the most basic cards they offer.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding an issue with a refund from a merchant. In XXXX, I received a refund of {$680.00} fromXXXX. However, Chase Bank erroneously charged me for this amount, insisting that it was a debt that needed to be repaid. Furthermore, they added an additional {$13.00} as interest on this supposed debt. 

I want to emphasize that this refund was rightfully mine and not a debt owed to Chase Bank. It is unacceptable that they are attempting to coerce repayment, especially with added interest, for funds that are rightfully mine. 

I have attached evidence, including screenshots showing that the merchant canceled the order and issued a refund without rebilling. Chase Bank is indeed embezzling this money. 


I kindly request that the CFPB investigate this matter thoroughly and ensure that Chase Bank rectifies this situation promptly by rescinding the erroneous charges and reimbursing any associated fees or charges incurred. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (MN)

In XXXX XXXX XXXX I purchased a car for XXXX and some change. Santander took the loan and charged me a high interest rate. The loan total at purchase was a principal of {$34000.00}. In XXXX XXXX and XXXX extensive hail damage in Colorado totaled the vehicle. It was then processed as a total loss, made in two payments totaling to {$20000.00}. This was paid in XXXX. on XX/XX/XXXX GAP insurance paid {$10000.00}. To date I have paid {$5600.00} in payments, and been charged an additional XXXX in interest. To date the bank has been paid {$36000.00} on a loan that was {$34000.00} for early payoff at day of loan creation. They are now attempting to charge me {$1300.00}. They also have had employees at not just their bank, but their ownership 's bank and other subsidiaries ( XXXX Santander, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX ) reviewing my XXXX profile, calling and asking me to confirm my place of work and dwelling, and this was a consistent practice since informing them I had a total loss vehicle until I called and filed a complaint with management which took about 6 hours of being hung up on and being placed on hold and hung up on before I got through to one to complain about this intrusive activity. It has not happened since I reported the activity, and the activity took place after every phone call I made to them despite them claiming it was not happening. I am also reporting Santander to the FDIC, as well as XXXX  and FBI on these intrusive practices.