davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Due to fraud on my Bank of America account, a substantial number of unauthorized/fraudulent charges were posted to my account. My account had been set up for an automated debit for payment toward the card. By way of those automated payments, all legitimate charges had been paid. Because of the unauthorized/fradulent charges on my account, my account was closed due to fraud on or about XX/XX/year>. In connection the closing of the account, I was informed that I was not personally responsible for the payment of those fraud charges. However, since closing the account, Bank of America has called me more than XXXX ( XXXX ) times saying that I still owed amounts on the closed account. I repeatedly explained the closure of the account due to fraud and that I did not owe the amounts for the fraudulent charges. Up until the time of the fraud, I had an impeccable payment history on the credit card. After the closing of the account, I did not make any further monthly payments, as I was told that I was not personally responsible for the payment of those charges. Nonetheless, Bank of America has reported my account as in default, with late payments, since the closure of the account. Bank of America 's incorrect reporting to the credit reporting bureaus has substantially damaged my credit score.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

My account was attacked in fraudulent transactions through a ach transfer that I have not authorized!! Through a merchant named XXXX XXXX, I have lost about $ XXXX!! I have called chase bank to report it as I have not done these transactions and they told me I was gon na get my money back but it has been more two n half weeks I still have not received anything, I have cooperated with them in providing all the documents they needed for the investigation and I have signed a statement of dispute to be sent to them but no has been usefull in helping me, and the customer service is terrible as they all just tell you different things and they dont take notes! You always have to explain everything again to them and they dont talk to each other as they are like robots who just all follow the same procedure and not help people as humans who is desperate and stressing about losing their hard earned money!
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc. (TX)

Dear Credit Reporting Agency, I am writing to request the correction of an error on my credit report regarding my student loan account with the U.S. Department of Education. The account has been fully paid off for several years, yet late payment marks continue to appear on my credit report, which is adversely affecting my credit score.

I request that these erroneous late payment marks be removed from my credit report immediately. The loan was paid off in full, and there have been no late payments on this account since its payoff. This information should be accurately reflected in my credit report with the major credit bureaus ( XXXX, XXXX, and XXXX ). 

I kindly request that you investigate this matter and provide written confirmation that the late payment marks have been removed from my credit report. Furthermore, please ensure that the updated information is promptly reported to all three major credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

Where do I begin.. I opened a loan with XXXX XXXX for an XXXX in XXXX of 2022. After XXXX days with the loan open, I had cancelled with dentist and loan company, as well as did not pick up the product. The loan company was bought out by Westlake Portfolio Management. I have called multiple times and was told my account had been closed, but that was never the case. I had found out recently when being pre-approved for a mortgage that my credit score dropped over XXXX points for delinquency. I called the loan company, and they told me that they could not make any changes and to contact all three credit bureaus. 
I have put in numerous disputes and Westlake Portfolio Management is providing the credit bureaus with false information. First off, my loan was for an Invisalign ( not auto loan - I would like to report fraud ). Second the account was supposed to be closed of XX/XX/2022 not XXXX of 2022, again fraud. Not happy when my credit score is affecting my life before getting married and purchasing a house. I know that this company has been reported before so I figured this process would be simple, but it has been rather frustrating. I need these delinquency marks to be removed from my credit score as they should not have been there in the first place. 

Also, every time I ask for written confirmation, they refuse to give it so I can not provide supporting documents to the credit bureaus.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (CA)

On XXXX XXXX, my husband purchased a {$100.00} Vanilla Gift Card at XXXX XXXX. The next day I went on our insurance website to pay the bill and the card kept getting declined. So I went on VanillaGift.com to check the balance, and it stated that there is a pending online transaction at XXXX. My husband called the number on the back of the card, the customer service representive said to wait XXXX. Which we did, and got the same response. We have contacted the company a bunch of times, and nothing is getting resolved. I have sent a letter and an email to Incomm Inc about this issue. I am XXXX and on a fixed income. Please help us. Thank You
Consumer complaint received 2023-08-05
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: SYNCHRONY FINANCIAL (NV)

In XXXX of 2023 I noticed some transactions of XXXX XXXX and XXXX were charged to my credit card. I contacted Synchorny Bank about these charges and they said that they would help me with these charges. Yet to this day, they have not helped me at all. On XX/XX/2023 they contacted me about a missing payment of {$40.00}. I made this payment on XX/XX/2023.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Over the past several months, I have disputed the following accounts with all three Consumer Reporting Agencies, XXXX, Equifax, and XXXX I have provided supportive documentation about my claim and how the reporting is inaccurate, & or Fraudulent however, the severe inaccurate, fraudulent accounts continue to be reported on my credit report. I have requested that a reinvestigation be completed and evidence or transcript be provided of how all accounts that have been verified as accurate be provided and who specifically verified as accurate and their method for doing so. As of the date of this submission, no such documentation has been provided and the inaccurate, fraudulent accounts remain to report on my consumer report, which has damaged me, my score, and my ability to obtain housing for me and my family. 

The Accounts specifically are : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Bank
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I applied for a XXXX XXXX XXXX credit card with Citibank and was approved about XX/XX/XXXX. About XX/XX/XXXX I received a pin #. About a week after that I got the credit card in the mail. I called to activate and they said they could not activate until I responded to another piece of mail that I would be receiving another another 7-10 days later. I get that letter and am told that I need to send a copy of y social security card. I call them and tell them that I ca n't find my card and ask if I can send a copy of my license ( like my boyfriend XXXX ) and they say no. I tell them to just cancel the card then because I have no time to apply for another social security card and they say they ca n't do that. I call another week later because I am getting emails that suggest I have the card and my balance is {$0.00}. I tell them I do not want my name associated with this card and they still will not cancel the card in my name and send me a statement that the card is cancelled ... by the way each person I speak with has a XXXX accent. This makes me nervous because now the XXXX has all of my credit info and thy wo n't cancel the card. I have spent at least an hour on the phone numerous times to cancel this card. 
I want it cancelled and they wo n't cancel it and keep trying to get me to activate.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, Texas XXXX I, XXXX XXXX XXXX am writing with Regards to your Response Letter and notification of Your Completed Investigation. For Acct # XXXX, # XXXX Im asking for a Reinvestigation. So after reviewing My Credit Report I question Your Methods of Investigation. 

Debt Collection Violation : under 15 U.S.C. 1601 ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681n ( Fair Credit Reporting Act ), IT IS MY RIGHT AS A CONSUMER TO DISPUTE ANY INACCURACIES OR DISCREPANCIES IN THE INFORMATION YOU ARE REPORTING! Under the FAIR CREDIT REPORTING ACT ( FCRA ) I am requesting Validation of Debt, under XXXX. How was this Investigation conducted? 

Please provide me with Copies of the following information. All Documentation and Communication regarding this matter including but not limited to Names, Dates, and Times Emails, Phone Number, Addresses etc. 

( 1 ) Who did you Speak to ( 2 ) What form of communication ( 3 ) What Day ( 4 ) What time ( 5 ) Results Found I have reason to believe that your actions violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) : Section 809 ( b ) : Communication in connection with debt collection must not be false, deceptive, or misleading. Section 809 ( c ) : Section 809 ( e ) : Validation of debts is required upon consumer request. Fair Credit Reporting Act ( FCRA ) : Section 1681n : Provides for civil liability for willful noncompliance with any requirement under the FCRA.

I request the following actions to resolve this matter : Provide validation of the debt as required by FDCPA Section 809 ( e ). Cease all collection activities until validation of the debt is provided. Provide documentation demonstrating compliance with FCRA Section 1681n regarding the accuracy and reporting of the debt to credit reporting agencies. If you fail to provide the requested information or continue collection efforts without validation, I reserve the right to pursue legal action under the provisions of 15 U.S.C. 1681n and any other applicable laws. Please respond to this dispute in writing within 30 days from the receipt of this letter. I expect a prompt resolution to this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (LA)

A XXXX credit alert informed me that in XX/XX/year> XXXX fraudulent student loans appeared on my report, for {$2600.00} and {$3500.00}, courtesy of : XXXX OF XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX ) XXXX ) I lodged a dispute through XXXX and their XXXX says " the disputed information was VERIFIED AS ACCURATE ''. 

Calling the number above, this does not seem like a legitimate number for MOHELA. Their website lists the same number as an XXXX, not an XXXX number, i.e., the number is really ( XXXX ) XXXX not ( XXXX ) XXXX. This leads me to wonder if ( XXXX ) XXXX could lead us to whatever scammer took out these fraudulent loans in my name. 

The first time I called ( XXXX ) XXXX I heard : " Press XXXX if you have {$10000.00} of loans. All other callers, press XXXX. '' I pressed XXXX and a different voice said, " Thank you for helping us with our survey, '' and it hung up on me. 

Second try to the same number : A recorded woman 's voice ( that I did not recognize from the first call ) told me some lucky callers get a prize. " If you are over XXXX, press XXXX. Otherwise press XXXX. '' I pressed XXXX, and another woman 's voice asked me if I understand we're being recorded. I said yes. She launched into a long spiel about a free gift, something about a help button you hang around your neck -- something for senior citizens. I tried repeatedly to interrupt her, only to realize she is also a recording. She finally wrapped up her long sales pitch that ended in some perfunctory question like, " Are you ready to receive your prize? '' I said, " No. I need to speak to a human. '' At that point a different voice came on, saying, " This is the medical line. Let me transfer you. '' And then it hung up on me again.
Consumer complaint received 2024-08-25
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. (NV)

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. 
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  has violated my rights. 
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 an 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 and 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Titanium Funds (UT)

I am writing to provide an urgent update regarding my ongoing complaints against Titanium FundsXXXX XXXX XXXX XXXX XXXX numbers XXXX & XXXX. 

I have recently received the attached communication from the lender on XX/XX/year>, which I find to be extremely concerning and potentially unlawful. The language used appears to be a direct attempt at retaliation and coercion, in response to the complaints I have filed with your office. 

Additionally, I want to inform you that the lender attempted to charge my card for {$400.00} again today, despite my previous disputes and the open CFPB complaints. This appears to be a continued effort to unlawfully extract payments from me. 

Specifically, the lender 's actions may constitute violations of the following laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : - The threatening language, demands for immediate payment, and attempts to charge my card without authorization could be considered abusive, unfair, and deceptive debt collection practices prohibited by the FDCPA. 
- The FDCPA prohibits debt XXXX from harassing, oppressing, or abusing consumers. 

XXXX. Retaliation for filing CFPB complaints : - The escalation of tactics, including the attempted unauthorized charge, shortly after I filed CFPB complaints suggests the lender may be retaliating against me, which is strictly prohibited. 

XXXX. Truth in Lending Act ( XXXX ) : - The lender 's vague references to " additional costs '' and " remedies '' XXXX constitute a failure to properly disclose the full terms and conditions of the credit agreement as required by XXXX. 

XXXX. Potential breach of contract : - If the lender is threatening actions that go beyond the original credit agreement, such as imposing undisclosed fees or attempting unauthorized charges, that could be considered a breach of contract. 

XXXX. Potential violation of state consumer protection laws : - The lender 's tactics may also violate applicable state-level consumer protection laws prohibiting unfair, deceptive, or abusive practices. 

I believe this communication from the lender, along with the attempted unauthorized charge, constitutes retaliation for my having filed complaints with the CFPB. I am deeply concerned that they may attempt to take further adverse actions against me if your office does not intervene promptly.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (TX)

HI 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.