davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OH)

BBY/CBNA said I owed {$1700.00} to them and this account was charged off on XX/XX/scrub> XXXX XXXX  and according to law I didn't receive a 1099c form please contact them and have them remove this debt
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX RE : XXXX XXXX XXXX XXXX, CA XXXX LOAN # XXXX I purchased the above referenced home XXXX years ago for {$650000.00}, my husband and I have built XXXX other homes on the same property ( same Parcel ) making a total of XXXX units ( individual structures ) that is now appraised well over {>= $1,000,000}. We have been working with Shellpoint mtg for several months in order to remove our private mortgage insurance ( PMI ). Unfortunately, Shellpoint has repeatedly denied our request stating we need over 20 % equity. To argue this statement we have asked shellpoint to conduct an appraisal of the property which will show that we have well over 20 %. We are happy to pay for the appraisal. This request has also been ignored once again despite several attempts. At this point we do not know what else to and have decided to turn to CFPB to seek assistance. 
We no longer want to pay the additional $ XXXX for the PMI and need ShellPoint Mortgage to treat us fairly. 

Thank you in advance for your assistance in this matter. 

Sincearly, XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (SC)

I have a chime builder card and filed a dispute with chime for 5 unauthorized transactions on XX/XX/year> was told claim will be done by XX/XX/XXXX and now it's XX/XX/XXXX contacted chime support multiple times for them to say that there going to send a message to the investigation team have not received a email or any message from the investigation team and was told there's nothing else they can do
Consumer complaint received 2024-10-11
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (NY)

On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  for my son. According to Nordstrom, the item was delivered to my home. I checked with all my neighbors and no one saw the package. I called Nordstrom several times and informed them I had not received the item. I filed a dispute and was denied. I was told by XXXX a customer service financial service supervisor that once the item is shipped out, Nordstrom is not responsible for it. I was also told to go to my local police Precinct and file a report. I did and was informed that because of the high volume of petty theft in my neighborhood, they were unable to take the report. 
I also informed Nordstrom that in my neighborhood there are several persons with the beginning of my address and what differentiates the homes is the street number, because the XXXX delivery takes a picture it does not necessarily mean it came to XXXX XXXX. I went to several XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and asked about the package and no one seemed to have gotten it. 
I was charged late fees and Nordstrom has placed a late payment on my credit report because of this item. 
I have called them several times but no one is willing to help. It is difficult for me to pay for an item I did not receive. 

Purchased online on XXXXXX/XX/year> Order # XXXX | XXXX item
Consumer complaint received 2024-09-04
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. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-04
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. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-04
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. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-09-04
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION FROM MY FILE.THE ITEMS I WANT DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE.I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES TO THE FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THESE ITEMS AS AS SOON AS POSSIBLE.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/year> : Collection account from XXXXXXXX XXXX with account # and a balance of XXXX The original creditor is XXXXXXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
This item is inaccurate and negatively affects my credit. Also this item is being reported every month and is listed as open. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failure to provide validated documentation, is a VIOLATION of the Fair Credit Reporting Act, thus This item must be deleted. 
Please remove all non-account holding inquiries over XXXX days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are XXXX XXXX XXXX 
It is my understanding that under law you have XXXX  days from the receipt of this letter to verify this item. It should be understood that failure to do so within the XXXX  day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ) .Be advised that the description of the procedure used to determine accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of completion of your reinvestigation and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Without my knowledge, Wells Fargo Bank ( WFB ) increased credit limit from {$17000.00} to {$20000.00}. I contacted WFB representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/24 Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/24 Submitted a written Credit Bureau dispute to WFB XX/XX/24 Submitted Credit Disputes to XXXX, XXXX and XXXX that the credit increase/decrease on my credit report as submitted by WFB were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not WFB. I also submitted Consumer Statements stating that the information reported by WFB was false. All three agencies refuse to correct credit increase/decrease reported falsely by WFB. 
XX/XX/24 Received call from WFB ( XXXX ) that he was advocating for a correction. He was not able to assist me. 
XX/XX/24 Received letter from WFB ( dated XX/XX/24 ) refusing to correct the information submitted to three credit agencies.

I am requesting that WFB reverse their decision and correct information on my three credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (GA)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : JPMCB CARD Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
This account is being inaccurately reported as charged off with an outstanding balance. Please provide documentation of the charge-off and either update the balance to {$0.00} or remove the negative payment status from this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2024-09-04
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. (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

I have a checking account with Regions Bank ( Acct # XXXX ) and bank with their branch in XXXX, Mississippi. On XX/XX/year>, I discovered a fraudulent transaction from my account in the amount of {$2300.00}. I immediately contacted Regions and was given a provisional credit for the fraudulent transaction. Subsequently, Regions Bank reversed the credit with no explanation other than there was nothing that they could do about it. I had no knowledge of the transaction of the fraudulent transaction and I took appropriate action to immediately report the fraudulent transaction in accordance with Regulation E. Despite submitting the claim to Regions fraud department and elevating the complaint to Regions Financial Corporation 's CEO and General Counsel, I have been told that it is not their problem and that there is nothing that they can do.
Consumer complaint received 2024-07-08
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable informat
ion ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO Bank, N.A. (CA)

Have automatic payment scheduled payed on the XXXX. Was not entered until the XXXX. After payment posted and was not the full amount charged interest which put over limit and will be charged on next statement for XX/XX/XXXX and over limit fee plus additional interest and payment due amount. Tried to explain to them that they are doubling the amount of interest and fees but their excuse is they charge a daily interest if full amount not paid. This is fraud to charge after a payment made and to post payment after the date paid.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I couldnt believe my eyes this morning when I saw incorrect accounts listed on my credit report. I have no idea how this happened. I just did my regular check, and suddenly, there were discrepancies I never expected. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The wrong accounts stayed on my report. This has left me deeply concerned, and I urgently request a thorough review of the documents Ive submitted so I can finally stop worrying about this issue.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

Money Lion was part of a class action lawsuit and I was awarded a settlement through XXXX XXXX due to their fraudulent practices. Moneylion paid money to me yet still continues to report to the credit bureaus as delinquent. Today they updated my credit reports and it went from collections to charge off which dropped my credit score. 

I have initiated contacted today with the XXXX XXXX XXXX due to Money Lion previously paying out a settlement yet contuing to incorrectly report information to the credit bureaus as now this is costing me money due to increased interest rates because of their incorrect reporting.