davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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)

@ XXXX XXXX on XX/XX/year> and also @ XXXXXXXX XXXX. on XX/XX/year> an prior months I've called several times an was treated disrespectfully by being hung up on Each time by representatives XXXX XXXX and XXXX XXXX as well as others whom names I didn't record. As I asked for dates I've called prior and was denied this information and hung up on while asking if he could provide me with the date day an time I did business with XXXX  XXXX XXXX whom is affiliates with XXXX XXXX XXXX As I stated everytime I called I was hung up on by XXXX XX/XX/year> an he wouldn't answer my calls as I called back at least 4 times, an I also stated I don't recognize complete XXXX XXXX XXXX As they are reporting twice on all of my credit reports as well as calling me and I've asked representatives to Cease an desist. I've also disputed on my Equifax Reports on XX/XX/year> and they claim that the collection is valid an will not Cease REPORTING NOR REMOVE the inaccurate reports by XXXX XXXX XXXX. As I'm being treated unfairly an undermines my public confidence to apply for banking an other consumer services.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XXXX fraud to my case Wells Fargo text comes through about fraud, I reply. They call my phone I answer. I myself log into my account to look at my account as I do this the Wells Fargo fraud agent took over my XXXX. Transferred money to XXXX XXXX! I was refused by the bank to get my money refunded as they said i authorized this transaction! I argued this and opened a new claim as this was a full phone takeover! I never have the guy any info, numbers or any details. No I didnt authorize anything! This guy took over my phone! This is illegal and I want my money back Wells Fargo is a horrible bank
Consumer complaint received 2024-08-24
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)

XXXX XXXX violated LAW 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WESTERN UNION COMPANY, THE (KY)

I got a voicemail with this woman name XXXX stating she has got a claim this morning with my name on it and gave me the claim number and told me I needed to call her back that way she can get my address and my place of employment that she needed it and I have one opportunity to give her a call to discuss this matter then tells me I have officially been notified on the voicemail. I did call them back to see what this regards and they wouldnt tell me nothing then asked if I was XXXX XXXX and I told the woman no for the simple fact there are to many scammers out there and Ive never heard of this company at all and then they harassed 2 of my friends leaving voicemails of the same thing on their phones and why call them and harasse them Ive got no clue or how they knew to call them or get their numbers.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I did a balance transfer of XXXX $ from discover to Citi. It was a 0 % until XXXX. On XXXX I was penalized XXXX $ for interest charges on purchases which I was lead to believe was the same date of XX/XX/XXXX. Since, I had to do another transfer back to discover and now have XXXX balance on Citi and was billed XXXX $ for some reason.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 Experian 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, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late 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 : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time.

Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

I had a account with XXXX  XXXX XXXX and had a XXXX dollar credit limit I spoke to a manager named XXXX from XXXX XXXX who disrespected me and threatened me that I will end up in jail and stated he knows my type.next I know it went to collections and it jumped about XXXX dollars during covid I did receive a letter that I was being sued and that they will try and seize my property on the day I received the notice the court date had already past about XXXX weeks prior they also took money from my XXXX XXXX account without permission which never even showed on the debt which is rising a few dollars ever month I did research on Midland credit and found many people report that they have had there rights violated which I believe mine have also been taken advantage of.
Consumer complaint received 2023-09-21
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have had an account with Gap. I went on vacation and return 4 days late and paid the account which I thought I had five days. They reduced the limit which surprised me and I didn't question it but continue to pay the account down vying not use it again and just stop buying from Gap. Well little did I know it wasn't Gap it was Synchrony Bank causing such horrible fess about nothing. My account was always 100 % paid on time except for that one time. I continue to pay my account and finally down to zero. Today I received a noticed stating my account was being closed based upon paying and credit score. They talk about credit score, what they did by closing my account which I OWNED THEM NOTHING cause my score to drop by XXXX points. I am in the middle of closing my first home and this may cause my sale not go through because of this. 

THIS IS WRONG!!!!! CAN THE CONSUMER FINANCIAL PROTECTION BUREAU do something!!!! THIS IS NOT RIGHT OR FAIR I did nothing wrong WHATSOEVER!!! I don't even own them any money. I get the bad end of the choice that Synchrony Bank makes and did nothing wrong. I consider seeking legal action.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL INC (MO)

A FEMA loan was made by XXXX XXXX XXXX, deceased XXXX XXXX. 
Payments were made on this account for years. You can check, there was never a late payment. I remember when the representative came to the house. Went over everything, with XXXX. He specifically said to him, " When you die XXXX, this loan dies with you. '' The rep and XXXX discussed the loan, he took all of XXXX XXXX banking information and XXXX signed all of the papers. The house was in XXXX 'S name. XXXX had the credit. The BORROWERS are XXXX XXXX XXXX. I was not even in the office most of the time, in fact I was not even there when the Rep left. The loan had nothing to do with myself. The Rep did not even speak to me, because it was business between him and XXXX. We got married. XXXX made every single payment from his bank account that was in his name alone. Why would I be held liable for this bill? The house was not in my name and I did not have very good credit, and I wasnt even there during most of meeting. This loan did not involve me, they did not put my name on this, why would they, I had no credit and no collateral. I did not sign anything, I was not even present. PLEASE get this off of my credit. It is ruining my life! I am now desperately trying to refinance and this shows up now IN MY NAME. How can they do this? I am almost positive I sent his death certificate to them. I now have a XXXX XXXX on my name. I have 90 days from XXXX XXXX XXXX, to refinance this home or it be sold at auction. I am at a complete stand still until I have a cleared authorization on this matter. This is not my debt. It was my now deceased husband 's debt. I should not be liable for this, please remove this so I can move forward. Thank you
Consumer complaint received 2024-07-19
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. (HI)

On XXXX XXXX, 2024, amazon charged my XXXX card for these XXXX transactions. 

On XX/XX/XXXX I shipped both order in one packages in return to amazon On XX/XX/XXXX Amazon notified me that they received the return but only refunded me for one of the order in the amount of {$1000.00} As time past by I decided to reach out to chase for help but after numerous attempt. i was declined. I hope this message can help chase start a dispute on this transaction, I've also attached the email where amaozn notified they received the packages but despite shipping both order return in one package they only refunded me with the cheaper order. I want to kindly request chase to contact amazon on my behalf to check on this return as both order suppose to be in the package that they claim to received and amazon and chase have not been helpful so far. Thank you Transaction : Amazon.comXXXX {$1000.00} Amazon.comXXXX {$2000.00}
Consumer complaint received 2024-09-24
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. (PA)

I just checked my credit report and, I am writing to formally dispute the inaccurate information being reported on my credit file regarding account XXXX XXXX. After reviewing the information provided by each of your bureaus, I have identified several inconsistencies and inaccuracies that are negatively aecting my credit report. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Fair Debt Collection Practices Act ( FDCPA ), and I am requesting immediate action to correct these errors. Without my written consent to furnish my information is a form of identity theft and fraud, according to 15 U.S CODE 1681 this account needs to be deleted immediately.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts . This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear XXXX XXXX XXXX XXXX, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with XXXX XXXX and my sons Authorized User Status. As you are aware, I am the primary holder of the XXXX XXXX XXXX Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/year>, your institution has failed to report any information about this account to any of the three major consumer reporting agencies XXXX. XXXX XXXX TRANSUNION on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that XXXX XXXX immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the Security Exchange Commission. Please add - XXXX XXXX XXXX back onto credit report, XXXX XXXX removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

I called to ask for a XXXX XXXX XXXX. I spoke with a representative at the listed phone number XXXX on XX/XX/24. She initially told me my loans werent eligible because the XXXX Institutes werent apart of eligible schools. So we ended the call and I checked the XXXX site and the XXXX XXXX is listed. So I called back and spoke with the same representative again to let her know the XXXX XXXX  are listed. She then agreed, checked my loans again and stated your campus location isnt listed. She said some campuses are eligible but not all and that it was only for-profit campuses. I told her I went to the XXXX XXXX XXXX XXXX, in which they are a for profit school that has also closed its doors due to misconduct. She then proceeded to say she did a quick XXXX search that says the XXXX campus was non profit. I told her I didnt agree. So she just repeated what she said previously. So not to go back and forth I politely said I didnt agree but ok. The call ended and I did more research. Im not sure what sites she pulled. However, I pulled the XXXX XXXX XXXX XXXX XXXX page that clearly states its a for profit school. As well as a few articles that state the same for profit school that closed its doors just last year. To include XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX and a few more. I have attached those articles for review. She refused to provide me with an application.
Consumer complaint received 2019-07-06
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. (FL)

In XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX I signed for a transaction ( XXXX ) at the local Best Buy Store in XXXX, XXXX. On XX/XX/XXXX there was another charge of XXXX referencing the same transaction number. I disputed this on the statement and was told I was responsible for the charges. No other explanation. When I called to get an explanation I was told that I was not initially charged enough so they added in the extra. I renewed my dispute and which was instantly dismissed that I owed the charges. When I disputed this with the XXXX  i was told that I was not charged tax in the initial transaction and the extra charge was for tax. However, the XXXX  complaint ( XXXX ) did not allow me due process to rebut the explanation from Best Buy. When the transaction on XX/XX/XXXX was completed that issue is closed, a business does not simply " decide '' to charge more to a customer. And with my using a credit card that is under their control they refuse to remove the charge. This is theft. Their decision to call this " tax '' that they are required to collect? This tax was collected on XX/XX/XXXX. I signed for the transaction on XX/XX/XXXX. I did not sign for the transaction on XX/XX/XXXX.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (LA)

I am in receipt of a letter from Southwest Credit System informing me that they are handling the " collection '' of account # XXXX for {$160.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southwest Credit System & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding proof of contract to substantiate Southwest Credit System 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southwest Credit System continues to report this fraudulent ( on Southwest Credit System 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Southwest Credit System has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account on ( Southwest Credit System 's behalf ), I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.