davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (LA)

My house was damaged XXXX years ago today by XXXX XXXX. I had to sue my insurance company XXXX whom eventually declared bankruptcy. State of XXXX  stepped in and paid for part of my claim. Half of the amount was sent to me by Freedom but most of that went to attorney fees. I have tried contacting the Loss Draft Dept. at Freedom multiple times about the other half of the money to get my house fixed with these results : 1. Long wait times when calling - usually 45 minutes to an hour to answer 2. left call back number with no call back 3. Sent emails with no reply back 4. When I do get someone, they say they are going to escalate the issue and priority but nothing ever happens 5. Signed a third party authorization form but they will not answer calls or emails from my contractor
Consumer complaint received 2024-09-04
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 (TX)

In the attachment CFPB will see a transcript dating XX/XX/year>2024 to XX/XX/year>2024. XXXX checks, and an envelope. I started with XXXX XXXX. A global company. XXXX XXXX was the contact person hiring me to work with the company. The transcript will give every detail of the events that occurred during that time. I am filing a complaint against Wells Fargo. XXXX XXXX is accountable as well. Here is why. 

XX/XX/scrub> 2024, Monday, I made an online deposit. Wells Fargo called on XXXX XXXX,2024 and said the check that I deposited was a counterfeit check. Instead of working with me to verify if this check was good or not, Wells Fargo threatened my account and my life. Wells Fargo knew something was wrong with the check. They could have stopped it from proceeding into my account. I called Wells Fargo back after the phone call on XX/XX/scrub> 2024 and XX/XX/year>2024. There were no records showing that my account was in jeopardy. I thought for a moment the call was a scam. Wells Fargo allowed the check to clear my account on XX/XX/scrub> 2024, I am assuming that everything was fine. Then, on the same day, I was trying to prepare to move forward with XXXX XXXX on XX/XX/XXXX, I called Wells Fargo back, suddenly, records were showing a concern with the account after the check was cleared. On XX/XX/year>2024, Wells Fargo returned the check. 

The transcript will show the rest of the conversation through XXXX chat. The conversation will show XXXX XXXX aggressively pushing me to make a deposit. And aggressively pushing to spend all the money in my account. XXXX XXXX wanted illegal access to my bank accounts. They kept asking for my usernames and passwords. 

For a moment I believed that XXXX XXXX was working with me to clear what happened with Wells Fargo. At the end of all this, an account was destroyed, I can not make my payments, because of a returned check. In the attachment you will see checks not from XXXX XXXX from XXXX XXXX XXXX. The check that was returned. XXXX XXXX. A check I would not deposit because of XXXX XXXX XXXX. An envelope the XXXX check came from that says XXXX XXXX XXXX. And the transcript of the entire event from XX/XX/scrub> 2024 to XX/XX/year>2024.
Consumer complaint received 2024-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I dont have the dates, etc. I contacted the company. But I am burn trauma critical care XXXX from XXXX XXXX  and have severe XXXX from the pandemic which has affected me being able to work in my field. I didnt even realize my student loan payments had started back and now I have like XXXX missed payments on my credit report. There is literally no coming back from the amount if missed payments reported. I will admit that I am not the most responsible adult and I dont check my credit report until I need to which was last week. And I had worked so hard to bring it up to almost XXXX but for nothing. I am trying to get my life back together and reach some sense of normalcy but that involves my mental health. We were hit hard during XXXX ( XXXX, LA ) and a lot of us havent been able to receive the help we need and are owed to be honest. But to have this on top of everything really just XXXX. Its super discouraging and disappointing. I know this probably isnt what this bureau is for but XXXX reaching out to whoever will listen. Thank you.
Consumer complaint received 2024-08-29
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: CREDIT ACCEPTANCE CORPORATION (GA)

recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy. These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/year> XX/XX/year> If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (OH)

Husband frustrated since {$10000.00} paid and I still owe the same amount after XXXX payments. I have to live with him and this is outrageous owing this much interest. They also rolled a previous loan into this one and are charging double interest and added additional payments for the loan that was almost paid off as well.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-14
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
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: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I noticed what I believed to be a fraudulent charge of {$160.00} on my Macy 's store credit card ( issued by Citibank ). I contacted the company numerous times to dispute the charges, only to be repeatedly told that I was responsible for them without any explanation as to what this item was and how this was determined, as I noted there was no corresponding purchase on my Macy 's online account for that time frame and I had no recollection of making any purchases since XX/XX/XXXX. 

After several phone calls, an unanswered BBB complaint, and a thus far unanswered complaint with the State of NY, I was contacted yesterday by an individual from the Macy 's fraud department who advised that they had verified that I had made the purchase in question : in XXXX of XXXX. This was a purchase of two lamps which were later returned in XXXX of XXXX ( this I do vaguely remember ). Macy 's is claiming that while I received a credit for the return of these items, I was allegedly never charged for them in the first place. The fraud department went on to advise that this was due to the vendor not reconciling these purchases back when originally made and that this issue was now affecting many Macy 's customers such as myself. I inquired as to how it could be feasible to charge someone almost 5 years later, and questioned what would occur if I had closed out my Macy 's store card in the interim? They could not provide any answers to these questions. 

I did request copies of my credit card statements from XXXX XXXX to XXXX XXXX so I could verify that I wasn't actually charged for this purchase as they claim and am waiting to receive this information via regular mail. 

In the interim, I would kindly ask the Consumer Financial Protection Bureau to look into this matter and answer if Macy's/Citibank/whomever this 3rd party vendor is ( unknown lamp manufacturer? ) can legally process a charge to a credit card for an item that was purchased almost 5 years earlier. I have to imagine there is some sort of statute of limitations for credit card companies to finalize transactions and if so, would appreciate verification of this time frame.
Consumer complaint received 2024-08-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a debt validation letter to Portfolio Recovery on XX/XX/year>, and their response was inadequate. I followed up with another debt validation request on XX/XX/year>. They have failed to provide their license to collect debt in my jurisdiction or any of the documents I initially requested. This failure to comply should lead to the removal of all my personal information from their records. I am therefore demanding that they delete this information immediately. Moreover, the itemized statement they provided does not constitute valid proof of the debt, as it is not a signed contract between myself and Portfolio Recovery. An itemized statement alone is insufficient for validating a debt, as it can be easily fabricated.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX Ex-husband was awarded the family home along with the responsibility of securing a mortgage in his name. A quit claim deed was filed in XXXX XXXX, Florida public records surrendering my rights to the property. XXXX ex-husband stopped making payments for approximately 2.5 years. A loan modification was granted by a third party which used my name and wages to secure the modification. XXXX modification Modification payments have been delinquent since XX/XX/XXXX and once more tarnished my credit rating. The modification of mortgage extended the loan to 44 years without my knowledge or approval. Yet, my credit is impacted by a debit that required a quit claim deed to release all rights to the property. How can this allowed?
Consumer complaint received 2024-09-04
Product: Credit 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: AMERICAN EXPRESS COMPANY (TX)

My American Express accounts were somehow accessed and used by a third party without my knowledge or approval while I was dealing with a serious illness and not able to fully focus on my finances. The accounts became past-due without my knowledge, and Ive gone back and forth with the various companies where my cards were used. The largest charges came from one company and after reaching out to them they agreed to refund all the charges and mark them as fraud as well as have their credit card processorXXXX XXXX send me receipts of the refunds. I did in fact receive these refund receipts from XXXX, but this has now been months since the first refund request and no further communication or refunds have come. I reviewed both my American Express XXXX XXXX XXXX card and my XXXX XXXX American Express charge card and found several other charges that werent authorized by me. I went through each charge and found that all charges not completed with the physical card were fraudulent. All charges that werent either swiped or completed with tap to pay were not authorized by me and should be taken off my account balance. I have attached copies of the refund receipts to this complaint. My XXXX XXXX XXXX XXXX ends in XXXX and my XXXX XXXX card ends in XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

Certainly! Heres how you can frame your complaint for an online submission to the Consumer Financial Protection Bureau ( CFPB ) : -- - **Complaint about Unjustified Account Closure by Cash App** **Account Information : ** XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX I am writing to report an issue with Cash App, which has unjustifiably closed my account without any clear explanation. On [ insert date ], I received a notification that my account had been closed. Cash App has not provided any specific reason for this action, nor have they given me a chance to address any concerns or issues that might have led to this closure. 

**Details of the Issue : ** XXXXCash App failed to provide a clear explanation for the closure of my account. I have not been informed of any specific policy violations or reasons behind this decision. 

XXXX.I did not receive any prior warnings or notifications indicating that my account might be at risk. This lack of communication prevented me from resolving any potential issues beforehand. 

I have made multiple attempts to contact Cash App 's customer support to seek clarification and resolve this matter. Unfortunately, I have not received any satisfactory responses or solutions. 

**Requested Resolution : ** XXXX.I request that my account be reinstated. 

XXXXI seek a detailed explanation for why my account was closed, including any specific actions or policies that led to this decision. 

XXXX.I ask that Cash App review their procedures to ensure transparent and fair handling of account closures in the future. 

I would appreciate your assistance in addressing this matter and facilitating a resolution. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX Make sure to replace placeholders with your actual details and adjust any information to better reflect your specific situation.
Consumer complaint received 2024-08-29
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: GOLDMAN SACHS BANK USA (LA)

Back on XX/XX/year> my Apple Card was fraudulently charged for {$8000.00}. My phone was out of my possession for a while and in that time several charges were attempted. Some charges were caught by the credit card company but for whatever reason they allowed this particular one to go through. Ive been disputing this ever since, only for the credit card company to investigate for roughly 60 days and then deny the claim then reassert the dispute for another 60 day. It truly seems that no actual investigation is being done. {$8000.00} is crazy!!! I would never!!!
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: Bread Financial Holdings, Inc. (VA)

COMENITYXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Was removed from my report after investigation and determined it was fraudulent. However although I received a letter saying inquiry and account was being removed, its still reporting as open and reporting late payment which is affected my credit report and score .According to the FCRA , credit reporting agencies are prohibited from reporting inaccurate or incomplete information ( 15 U.S.C . 1681e ( b ) ). Additionally, the Consumer Financial Protection Bureau 's ( CFPB ) guidelines state that credit reporting agencies should not report late payments on accounts that have been paid or closed ( CFPB Bulletin XXXX ) .Moreover, the XXXX XXXX reporting guidelines, which are widely adopted by credit reporting agencies, specify that accounts should be reported as " paid '' or " closed '' once they have been satisfied, and that late payments should not be reported after the account has been paid or closed. Please investigate this matter and correct the error as soon as possible. I would appreciate it if you could also provide me with a corrected copy of my credit report.
Consumer complaint received 2024-09-14
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. (CA)

I am writing to formally dispute certain inaccuracies in my credit report and to address issues related to the timing of my payments under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. Dispute of Credit Reporting 15 USC 1681 ( A ) ( 2 ) Under 15 USC ( A ) ( 2 ), I have the right to dispute information that I believe is inaccurate or incomplete. I have reviewed my credit report and found the following discrepancies : Account XXXX XXXX : Dates : ( 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 
Date of Last Activity Inaccurate XXXXXXXX XXXX  Experian Last Activity Inaccurate XXXX XXXXXXXX Last Activity Inaccurate XX/XX/XXXX Amounts XXXX  I am requesting the removal of late payments of inaccuracies...
Consumer complaint received 2024-09-13
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. (TX)

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 2023-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!