davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AZ)

Citi Credit Card Account : XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX / XXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX AZ XXXX We are a small size XXXX XXXX XXXX we have been a Citibank customer for over 20 years, I have a Double Cash reward membership credit card. We have over {>= $1,000,000} charged to this account, over the years, that were paid in full at the end of each month. 
While paying ( early ) for my credit card, we just completed a new XXXX XXXX  townhomes project and majority of the new tenants paid their deposit and first month rent in Money Orders. We forwarded those money orders as payment for the monthly balance to XXXX XXXX  with a copy of all Money Orders, and amount to our company XXXX. We did not know that XXXX XXXX  would not accept such payments. No warning and no notification in this direction.Without warning our card we used for over two decades, was no longer active... 
We wrote the bank at least four times, for the reinstatement and for release of the Tank You points to us, and promised to pay through our online banking, future balances, with no success. 
I called and made a request to get our acquired Thank You points back, but never got any communication back about this. The phone number we were referred to us to call for the The Thank You points has is being diverted to overseas call center where I would spent 30-45 minutes to end up in majority of cases with being insulted, even humiliated, or attendant would just hang up, ( interrupted ) call. 
If the company refuses to reinstate the Credit Card account, we acknowledge that that is there prerogative, but the earned Thank points of : 1 % - acquired at the time of purchase, 1 % - acquired at the payment of balance, to be credited to us immediately, as both condition were fulfilled by the account holder. 
Thank You for your cooperation and your help in this matter. 
XXXX XXXX
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I opened up a Wells Fargo checking account with the help of my dad. When I signed up for a checking account with Wells Fargo, I was asked by the Wells Fargo bank employee ( XXXX XXXX ) about my desire for overdraft protection. I clearly conveyed my wishes and desire to not have overdraft protection in place. XXXX XXXX asked me what my desire was for transactions in which I did not have funds to cover the transactions. I told XXXX XXXX that I wish the transaction to be denied. My account was set up to deny all transactions in which I did not have the funds to cover it. 

This leads me to XX/XX/XXXX, when I received a check in my e-mail through a solicited vender for art services they were interested in of mine. I deposited the check in my bank. The vender was asking me to send money to a different person, which at this point, I was concerned that I was being scammed. And so, I sent the vender back their money through XXXX. However, the check was a bogus check and Wells Fargo penalized me for {$400.00}. 

I am disputing the {$400.00} transactions, because I did not have overdraft protection in place. My transaction should have been denied, flagged, and stopped, because I only had around {$11.00} in my bank account and a {$400.00} transaction should not have gone through, as this would have put me in the minus. 

In addition, I received a letter from Wells Fargo dated XX/XX/XXXX in which they informed me that the {$400.00} transaction did not precede, yet my account is still negative {$400.00}! 

I am submitting my complaint to respective governmental agencies in order to get a resolve with this transactions and to continue doing business with Wells Fargo. I have every intention on pursuing this matter in court, if I do not receive a favorable result.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

" I believe my phone and computer were hacked at the time of the transaction. I did not authorize this transaction, and I am requesting a reinvestigation of my claim. Please consider that unauthorized access to my devices could have resulted in the fraudulent activity. ''
Consumer complaint received 2024-08-16
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. (IL)

I am writing to formally lodge a complaint against EXPERIAN for inaccurately reporting late payments on my credit report. This is a direct violation of 15 U.S. Code 1666, which mandates that all information on a consumer report must be 100 % accurate, verifiable, and complete. Additionally, the credit bureaus ' failure to adhere to the Metro 2 guidelines further constitutes noncompliance. 

XXXX. Inaccurate Reporting : - The credit report dated XX/XX/year> from [ EXPERIAN ] contains inaccurate late payment entries for the account ( XXXX ) under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are incorrect as I have never been late on these payments.

2. Violation of 15 U.S. Code 1666 : - Under 15 U.S. Code 1666, the credit bureaus are required to ensure that all reported information is accurate, verifiable, and complete. The inaccurate reporting of late payments violates this statutory requirement.

3. Noncompliance with Metro 2 Standards : - The reporting of these late payments does not comply with the Metro 2 standards for credit reporting. Accurate and standardized reporting is crucial for the integrity of consumer credit information.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (DE)

Payment was not credited, bank statements sent to lender showing payment but lender is stating the funds was reversed for XXXX, after talking with the bank they sent me a letter stating the payment was issued to the mortgage company. This was back in XX/XX/2022 and still going on today about a miss payment in XX/XX/2022. I asked the mortgage lender to tell me which bank the payment was reversed to but they said they cant tell me that so I think something is wrong with that.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (CA)

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from the bureau stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
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)

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the bank associated with this account and they said they have removed the accounts, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

i got an email from XXXX XXXX that my fico score on XXXX went down. due to a collection from a company ive never been to or has any business with. after researching online they do this to alot of people and it is a scam farm. on XXXX XXXX and multiple complaints to the XXXX
Consumer complaint received 2024-07-18
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)

Hi Equifax, I just received a copy of my credit report and I can not believe people steal my personal information to obtain fraud accounts without my knowledge. 
I found XXXX fraud inquiries below that not authorized by me and shall delete from my credit report. 

XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX XXXXXXXX, inquiry date : XX/XX/year> XXXX, inquiry date : XX/XX/year>
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (AR)

To XXXX XXXX : ( This is the XXXX Letter Sent To Your Company ), prior 2 certified letters. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Acct # XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Finance Company, LLC (AR)

Continental Finance has sent 3 letters, none of which states " this is an attempt to collect a debt '' ... .The last letter received was dated XX/XX/year> ... ... .. Continental is willfully stalling to present the information requested, which is a non-compliance violation XXXXI have on 3 occasions requested the following information, but Continental continues to willfully ignore my request, by sending the same preprinted letter. 
XXXX  PLEASE DO NOT SEND ANOTHER ENVELOPE FULL OF PAPERS PRINTED AS A STATEMENT, THAT ( ( ( ( ( IS NOT ) ) ) ) MY REQUEST. 
XXXX  I am exercising my rights under the FDCPA & FCRA to request the following items. 
1. Purchase Assignment Agreement. 
2. Proof that Continental is authorized to collect on behalf of the original creditor. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 5. Proof that the original creditor securitized the debt 6. Documentation showing the assignments of the debt from the original creditor to the Secured Trust and then back to the original creditor. 
XXXX I reserve the right to pursue legal action under 15 USC 1681n to seek actual damages, statutory damages, and punitive damages, along with attorney fees and cost if necessary. 
XXXX Failure to respond satisfactorily within 30 days of receipt of the letter may result in a small claims action against your company ; seeking {$1000.00} per non-compliance violation, per 15 USC 1681n, civil liability for willful non-compliance.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the continued inaccurate reporting of late open accounts on my credit report, despite multiple attempts to correct this issue. This ongoing error is causing significant harm to my creditworthiness and financial well-being. I respectfully request your immediate attention and resolution to this matter.

I first identified this discrepancy on my credit report. Despite my consistent and timely payments for these accounts since their inception, they have been inaccurately reported as late, negatively affecting my credit score. 

My attempts to rectify this issue have been as follows : I submitted a written dispute to Credit Bureaus, outlining the incorrect reporting of late payments and providing all relevant documents as evidence of my timely payments, including bank statements and payment records. 

I followed up with [ Credit Bureau Name ] via phone to inquire about the status of the investigation and the correction of the late payment reporting. I was informed that an investigation was underway. 

As the late open accounts continued to be inaccurately reported, I sent a second dispute letter on [ Date of Second Dispute ], reiterating my concerns and emphasizing the urgency of resolving this issue. 

To date, I have not received any response or resolution regarding the correction of the late open accounts on my credit report. 

The ongoing presence of these inaccuracies is causing severe harm to my creditworthiness and financial stability. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly corrects the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Bank statements and payment records demonstrating timely payments Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly help me correct these late open accounts : XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00}.
Consumer complaint received 2024-06-24
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. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX XXXX Balance : {$280000.00} XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (HI)

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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  about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

SPONSORED LISTINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Website Email XXXX XXXX XXXX XXXX  Contact us Advertise here Help Terms of use Pr
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

While on vacation at XXXX XXXX XXXX XXXX on the beach we were approached by a tour rep from XXXX XXXX  on XX/XX/year>. We were told that we would visit a different XXXX  culture in XXXX and would be taken to local markets and a XXXX  restaurant. The guided tour would be {$950.00} for me and my wife. We were supposed to leave at XXXX the next day. We left with another couple unknown to us and XXXX reps from the tour company on a small boat to XXXX. The trip began late after XXXX and then we had to redo passports which we actually did the day before. We did not arrive in XXXX until after XXXX and then the problems began. The country was shut down due to a XXXX XXXX. We sat on the boat for over an hour since there was no one to clear passports. We then walked to a small van and had to cross a street that was being blocked off by military trucks and were given ominous looks by the police.The only place we were taken to was a mall and they then told us that this would be the only safe place to be. We all agreed we could do that at home. Unable to go anywhere else since streets were barricaded and trucks were blocking due to the XXXX. All four of us decided to leave unable to see or do anything. They then took us to a small beach for an hour which we were able to do at the resort. We came back around XXXX and then found out we were charged even more than our receipt shows. We were charged a total of {$980.00} of which the card was charged {$830.00} and {$150.00} was paid in cash. We certainly did not get what we had signed up for and they had the gall to charge us even more. They knew there would be problems due to the XXXX  and did not share this or were they able to give us the tour they promised and described the tour would be. The charge was made through our Chase credit card.