davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

I made a purchase with XXXX worth over {$350.00}. They hired XXXX to deliver the package but the package was stolen. XXXX failed to deliver the package as I had instructed. I immediately contacted XXXX to try and locate the package, and submitted several claims with pictures showing them that their driver had left the package at the property, but exposed it to the busy streets of New York and did not leave it with care. They denied all my claims indicating since it was delivered they were not responsible. I filed a police report and contacted XXXX and Afterpay. XXXX told me the same thing, that since they had confirmation of delivery they were no longer responsible. Both companies completely disregarded that this package was not delivered in a safe way for me to get it. All 3 Merchants denied any responsibility and told me I would have to pay {$350.00} for merchandise I never received. I refused. All of these merchants have failed me as a customer at some point in this transaction. XXXX sent this expensive package without the requirement of a signature upon delivery. Then XXXX left it on the upper level eventhough I wrote to leave it on the GROUND level where I knew it would be safer and were all my deliveries are left. Afterpay stated they had already paid XXXX, so they do not care if I got the package or not. They still wanted me to pay them. This negligence resulted in me having to call my bank to report the first installment paid to Afterpay as a bad charge. XXXX  XXXX XXXX charged the 1st installment payment back to Afterpay. To date, I am not out of any money for this stolen package just a lot of time and aggravation. However, Afterpay is continuing to email me about this. They are sending me messages about late fees. I have filed a police report and threaten to sue them if they do not take more responsibility in their role and leave me alone!! I will not pay for this ever! Do not contact me about this charge. I have told you repeatedly I never received the package.
Consumer complaint received 2024-06-18
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. (NV)

I have been a victim of identity theft and there are fraudulent accounts reporting to my credit. Fraudulent Items : XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$400.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$170.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER:XXXX ), BALANCE ; {$690.00}. XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE XXXX, BALANCE ; {$470.00}. XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$230.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED:XX/XX/XXXX, BALANCE ; {$0.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$0.00}. DEPT OFEDXXXX ( ACCOUNT NUMBER : XXXX ), BALANCE ; {$1100.00}, {$5400.00}, {$5900.00}, {$7700.00}, {$1800.00}, {$990.00}, {$5300.00}, {>= $1,000,000}, XXXX, {$2400.00}, {$2800.00}.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX  XXXX XXXX Account balance : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer FICO credit report. I've attached 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 # XXXX, # XXXX, and # 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 2024-06-18
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-06-18
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: Experian Information Solutions Inc. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (GA)

Im submitting a report to the CFPB against XXXX credit bureau for failure to properly investigate my dispute regarding Transworld Systems Inc over an incorrect entry on my credit report. The report incorrectly lists a debt of {$1300.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but Transworld Systems Inc has not provided a signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
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: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I filed a complaint that the company was reporting incorrect information regarding my addresses both current and past. The company stated they have corrected this information. However when I go to the company 's website there is not any information displaying at all. When attempting to request the credit report pulled from this company through different means, the response is that you must call them via phone.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc. (FL)

In XX/XX/year>, I was contacted by a representative of the scam company ( named XXXX ) through XXXX with the intention of engaging in legitimate trading activities. Initially, the company presented itself as a reputable and trustworthy entity, promising significant returns on investment through various financial instruments, including XXXX  trading. 
Throughout our interactions, communication primarily took place via XXXX XXXX, being instructed I transferred totally XXXX XXXX  to the scam platform. All the transactions were facilitated using XXXX and Bitstamp. These transactions were conducted with the expectation of receiving high returns on my investments. 
However, my concerns began to escalate when communication disappeared. Despite numerous attempts to reach out to the company, there has been no response. 
Matters took a concerning turn when I attempted to withdrawal the funds. Instead of facilitating these requests promptly, I encountered a series of excuses, unexplained delays, and requests to communicate with unfamiliar individuals purportedly responsible for facilitating deposits. This prolonged absence of contact and failure to address my concerns have left me deeply troubled and increasingly convinced of the possibility of fraudulent activity. I am gravely concerned about the status and security of my funds, as well as the integrity of the entities through which these transactions were conducted. 
Feeling increasingly suspicious about these escalating demands, I expressed my concerns and requested a refund multiple times. However, instead of addressing my concerns, they simply banned my account, leaving me unable to access my funds.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

Good Morning, I opened a savings account with Flagstar Bank on XX/XX/XXXX because they advertised a 5.55 % APR on their website. They guaranteed the rate for the first 5 months of the account being opened. In the past couple months the rate has being lowered more and more. As of XX/XX/year>2024 when I log on to my account it shows me an APR of 5.220 %. I called them a few times during the months of XXXX and XXXX to request my statement in order to verify the APR to no avail. I can only view my statements for the month of XXXX and XXXX. They have not update the month of XXXX and it XX/XX/year>2024.
Consumer complaint received 2024-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MI)

We have an equity loan with XXXX XXXX that was started in XXXX on XXXX XXXX and it was sold to SLS shortly afterwards. The loan was supposed to mature to convert to principle and interest in XXXX, however there was a modification on the loan in XXXX which transferred XXXX to the end of the loan and a adjusted payment. The draw ended and in XXXX SLS STARTED TO SEND US NOTICES THAT THE PAYMNET FOR THE AMOUNT OWED WAS GOING TO CHANGE TO XXXX A MONTH to include principal and interest in XXXX XXXX. They sent this starting in XX/XX/XXXX, and every XXXX months afterwards to show us the amount base on the balance. In XXXX the last SLS notice was sent to say in XXXX payments will increase to XXXX since the draw has ended. In XXXX notice came that Shellpoint will be the new servicing company. First payment to Shellpoint was the XXXX for XXXX. In XXXX without notice on a new bill the amount increase to XXXX without notice and or communication. We call Shellpoint numerous times they cant give us an amortization schedule they cant get us a a reason for the increase. at XXXX interest rate which the rate is variable and will go down, XXXX at XXXX for 20 years loan will be paid off. We don't know how they came to XXXX, it would appear they are given us 9 years, based on this the amount will be paid in this time frame but they said 20 years from draw ... at XXXX that will be over the amount owed. This is ridiculous and when were were getting notice for XXXX yr of what the payment would be and planned but no NOTICE no communication and they admitted they did not communicate, they just said pay this on the next statement. This need to be corrected and what was expected and possibly lowered. This has caused great stress and will affect credit. XXXX do not have and extra XXXX a month out of no where to pay. We always pay before the next payment is due is way you see the late fee of XXXX we pay that as well. We have not been 30 days late. The modification change our payment and we will be paid in XXXX yr with this loan or soon with he interest rate or lower.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

They lowered my credit limit and increase my owed balance even though I never have missed a payment or made a payment late. They claimed I went over the promotional period and increased my balance, but I am already paying for that and now they claimed I went over another promotional period even though I asked them to lock my card and I would make payment till I was done paying off. I haven't used card in over a year and a half so there can not be any promotional period again. This credit card has done more damage to my credit score than any other card even though I have never missed a payment or paid late once ever. This card has been a scam since day one, please help me, I don't know what to do.
Consumer complaint received 2024-08-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX apto XXXX XXXX, Texas, XXXX DATE : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Request for Removal Dear Experian Dispute Department, I am writing to formally dispute an error in my credit report under the provisions of Law 1681 ( c ) ( 2 ), which mandates the accuracy of information in consumer credit reports. Upon reviewing my credit report, I identified inaccuracies that I believe require immediate attention and correction. 

The specific information I am disputing is vehicle loans, Account number : XXXX, Account Namen : XXXX XXXX XXXX XXXX, This information is not only incorrect but also negatively impacts my creditworthiness. As mandated by law, I request that you conduct a thorough investigation into this matter. 

Please find attached any supporting documentation that substantiates my claim and demonstrates the inaccuracies in my report. In accordance with the Fair Credit Reporting Act, I request the timely removal of this incorrect information from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe stipulated by law. Should you require any further information or clarification. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (WI)

In XX/XX/XXXX, I received a statement for an overdue/delinquent account for a Home Design/Synchrony Bank revolving credit account . This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The statement I received stated I had an original balance of {$2200.00}. The statement in XXXX showed an interest charge of {$30.00}. My daughter was in town and called Synchrony on Friday, XX/XX/XXXX. She talked to two different agents who stated the account would be cancelled since it was identified as fraudulent and would be closed. 

This summer, in XXXX my daughter ( who is my Power of Attorney for financial matters ) was pulling my credit reports to see what was active. The account from Synchrony was still showing as delinquent. Since we assumed it had been cancelled, we disputed the account since it did not belong to me. The dispute came back that this was a legitimate account.

I have never applied for a card through Synchrony, whatever was purchased was against my knowledge and not for my use. This is fraudulent activity which should have been resolved back in XXXX is still ongoing.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : XXXX  XXXX