davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

I am writing today regarding my Barclays XXXX XXXX XXXX. Since XXXX of XXXX every payment that I have made to the account has had a payment hold placed on the payment. This hold appears on my account only after I get confirmation via text and email that the funds have been received from my bank. The payment hold then remains in place for XXXX to XXXX calendar days. For the duration of the payment hold, I do not have access to those funds as they have been taken from my bank account and Barclays is holding that money interest free while I have no access to the funds. 

I have been in contact several times over the past year with customer service representatives. No one has been able to tell me why this is happening or has been able to help me stop it from happening. I need a resolution to this situation ; it is becoming a hardship. 

A customer service representative I spoke with in XX/XX/XXXX told me she could not escalate my case any further over the phone or by email and that writing a letter to the Office of the President was my only line of action. She assured me that this letter would be read and that I would get a return phone call. I sent the letter to the exact address that was given to me ( confirmed multiple times ) and the US Postal Service returned the letter citing " Insufficient Address ''. When I asked about them providing me with a false address, they were only able to tell me to " wait and see '' if the payment holds will stop. When these reps view my account details, they all admit that there is no " unusual '' activity on the account that would warrant any kind of action such as a payment hold. 

At this point, these payment holds are causing me to make smaller payments to the card so that I have funds available for use. Making smaller payments makes interest fees higher. And the time that thy have my payment ( that they have confirmed they received ) they are collecting interest on that money that I can't collect interest on as well as forcing me into higher interest penalties because I am not able to pay the card down as fast as I would like to.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX, I received a call from a collection company, " XXXX XXXX XXXX '' out of XXXX, Nevada ( XXXX XXXX XXXX XXXX XXXX, XXXX, Nevada XXXX. Phone # ( XXXX ) XXXX. They are stating that they have been trying to contact me since XXXX. They stated that they were contracted by Wells Fargo and that they want to collect bank fees from a Wells Fargo bank account in the amount of {$830.00}. I asked them to email me proof of this debt and that I would pay it. They emailed me a letter on their letterhead with a supposed Wells Fargo account #, the letter just says balance XXXX. They can't provide any documentation for the amount owed. I called Wells Fargo and they say that I don't owe them any money and that they don't show a judgement or a collection account in my name. Furthermore, they said that if I owed them money, they have my personal information and that they would have contacted me directly. In their phone call the representative said that if I didn't pay that they would report this collection to my credit and to XXXX XXXX and they would sue me. They also emailed me a letter threatening to take legal action against me.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Revenue Corporation (TX)

Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : XXXX XXXX XXXX, Acct # XXXX, United Revenue, Acct # XXXX & Acct # XXXX, XXXX XXXX, Acct # XXXX, XXXX XXXX, Acct # XXXX and XXXX XXXX, Acct # XXXX These companies are 3rd party debt collectors. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately. 

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, XXXX XXXX XXXX, United Revenue, XXXX XXXX, XXXX XXXX, and XXXX XXXX  nor the consumer reporting agencies, XXXX, XXXX, and XXXX, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : XXXX XXXX XXXX, United Revenue, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX XXXX XXXX, United Revenue, XXXX XXXX, XXXX XXXX and XXXX XXXX  are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Experian is being stupid. I previously filed CFPB complaint ID XXXX because I wasn't able to access my annual free credit report via www.annualcreditreport.com as required under federal law. Experian idiotically kept this ticket open for XXXX months with pointless updates as if they were reviewing a dispute item instead of a technical glitch troubleshooting resolution. I will continue filing tickets as many times as needed until Experian does what they are required to do under federal law and facilitate my ready access to my credit report on a weekly basis without having to pay for postage and wait months for replies.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (KY)

XXXX, has several names listed that are not me, will not remove them, also vehicles I have never owned and will not update info, they told me to delete it, so I did. Also I obtained a credit Card with XXXX XXXX thru XXXX XXXX XXXX, always made my payments on time, in XXXX I tried to login to my online account to make the payment, said my account didnt exist, I called XXXX XXXX XXXX XXXX they said they didnt know and they didnt handle it anymore, I called Rural King they said they dont know who to contact, they sold it to another company, never informed me of this until Late XXXX when I finally received a letter, I called and paid all past due and current balances, however they put against my credit, which was totally unfair, and now my XXXX card cancelled my XXXX, due to XXXXXXXX XXXX  putting against my credit, not fair to me at all, since I was never late on any of my payments, but tried to make the payment, but didnt know where or who to pay. I feel they ruined my credit and didnt bother to reach out to me, said they left several messages on my phone but I didnt get any messages, I did pay it once I received a letter from them, 3 months later. What a horrible way to do business, mostly due to XXXX XXXX switching companies without my knowledge. Please have them remove all negative activity on my account. 
Thank you
Consumer complaint received 2024-07-11
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: Open Dealer Exchange, LLC (GA)

XXXX XXXX Hyundai XXXX XXXX XXXX XXXX XXXX XXXX Hyundai XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company 's listed above, I noticed unauthorized inquiries on my credit report.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

I received a direct targeted email marketing notice from TD Bank, which stated the following : " Hurrytake advantage of your offer before it expires! You can earn up to {$600.00} when you open new personal TD checking and TD savings accounts by XX/XX/XXXX with qualifying activities. 

Earn {$400.00} : Open a new TD Beyond Checking account and have {$2500.00} total in qualifying direct deposits within 60 days. 
Earn {$200.00} : Open a new TD savings account, make a deposit of at least {$10000.00} within the first 20 days, and maintain at least a {$10000.00} balance for 90 days. '' I have opened the accounts, completed the requirements, and confirmed my eligibility with TD Bank, as evidenced in the attached documentation. 

However, TD Bank has refused to pay out the full {$600.00} bonus, falsely claiming that I don't meet the requirements to delay proper handling of my case ( see the attachment for evidence ). Then, they tried to convince me to accept a lower tier bonus that was publicly available with a much lower payout ( see the attachment for evidence ). They later pushed the issue to an inaccessible backend department and have remained unresponsive.
Consumer complaint received 2024-05-22
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. (AZ)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PR)

XXXX XXXX is reporting and alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized Metro 2 Reporting Requisites per the CRGG as well as the FCRA and thus damaging my credit.
Consumer complaint received 2024-07-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

I have repeatedly asked, during communications about this debt, for pertinent information related to this debt. I have asked for original proof of the debt with my original signature, which they have not been able to provide. I will not accept a photocopy ; I need actual proof. I have also asked for proof of sale of this debt from the presumed original debtor to the collection agency, the reason they purchased it, and the amount for which they supposedly purchased it. I have also asked for proof of original dates, and they have refused to comply and give me any of the pertinent information pertaining to this debt. Yet they continue to violate law 15 USC 1692c, with rude, repeated, and threatening calls and communications pertaining to a debt they can't even show me actual proof of.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Attn : LATE PAYMENT XXXX  XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern, I just pulled my credit report and discovered that a late payment account # XXXX Around that time, I temporally was in between employments, at the I was going through a divorce and moving back home however I was able to get a new job assignment and was once again able to make a payment to satisfy the remaining balance on credit card payment. 
I am just now realizing I had a membership fee and I never fall behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my credit cards, making them a priority. 
I wish I could reach back and fix it, Im not proud about this negative spot on my report, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the charged off status from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.

If the late could be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding several fraudulent items that have been reported on my credit report. Despite my multiple attempts to address this issue, it remains unresolved. I have made XXXX attempts to correct the inaccuracies on my credit report related to fraudulent activities.. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please respond within the exact timeframe confirm that these corrections have been made or to provide an explanation if further investigation is required. I am now asking for your help to correct the accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$73000.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC (GA)

When I checked on XXXX I was advice account is placed on hold ... I requested someone to get what on-hold issues -- was told by XXXX XXXX it was cause letter of validation sent 06/11/24..informed XXXX XXXX no received.. XXXX advise he would assure it's get sent... 
Ask XXXX for payoff letter... .he stated he couldn't do that until validation was sent .... 
Have not received any further response from company. Trying to close home equity line of credit, this is only outstanding issues.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/year>, I tried to meet a lady I came across on a social media platform in person. I was deceived into thinking I was about to have a legitimate date with her. At the time, the person possessed my cell phone number and personal information on my XXXX account. Before our supposed meeting, she demanded {$1000.00} in the form of XXXX gift cards, stating that she wanted to ensure her safety and would return this money if she felt safe around me. Because our shared nationality as XXXX and previous interactions created an illusion of trust, I believed her and satisfied her demand. I took photos of the purchased gift cards and sent them to her. Little did I know it was a criminal theme to defraud me. Shortly, a XXXXXXXX XXXX called me and claimed he was responsible for the lady 's safety and demanded an additional {$2200.00}. This time, I refused to give this amount of money. Then he started to make threats of physical harm and abduction to coerce me to comply with his demand. He claimed that he possessed my personal information and was able to locate me. I believed his threats were credible and feared for my safety. As a result, I was forced to transfer the {$2200.00} in the form of XXXX gift cards and XXXX transfers. When he demanded even more, I realized it was beyond my financial capacity to comply any further, and I decided to cut off the contact and ignore any further threats or harassment either through calls or text messages. In sum, the entire event caused me to lose {$3200.00}. All transactions were conducted through Chase Bank, and the bank authorized my transfers. Later, I filed written complaints with Chase Bank. Chase Bank declined to compensate me for my financial loss.
Consumer complaint received 2024-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robinson & Hoover (OK)

XXXX XXXX, I scheduled to have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the procedure was scheduled for XX/XX/XXXX. Due to XXXX XXXX, the XXXX never took place. I am still being pursued by the company XXXX XXXX through a debt collector XXXXobinson, Hoover & XXXX PLLC regarding this bill. I have spoken to XXXX XXXX  regarding this account, but since they have changed staff, the only response I get is to pay the bill, even though it is not owed. I am not sure who, or whom I need to contact regarding this, certainly not the collection agency that is constantly contacting me and my family and friends. Not only are they ruining my credibility but they are a nuisance. HELP! This is in reference to account XXXX through the collection agency
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

Ive been paying a payee each month for the past XXXX month. Its been the same amount at the same time. This was done using my Chase apps XXXX feature. The payee and I have never had an issue like this before. In this case on XX/XX/XXXX I made the payment, and the money was immediately withdrawn from Chase account. It usually takes a few minutes to deliver to the payee but can take up to 2 business days according to chase. Its been over 6 business days now where the payee does not have even a problem ending status. When I log in to check the status of the transaction, there is an ( I ) icon for information on the status : it says delayed due to payees bank. The payee called their bank and they have no issue on their end and cant even find a pending transaction. I called Chase customer support, then talked to a XXXX XXXX there ; they mentioned that since it had been over the Chase delivery period that they would refund my account with the amount. However, the amount is not in my bank and the claim was closed with no details. I called XXXX more times to Chase and they said I would receive an email about another case open but I never did. This time the Chase support team told me to wait XXXX business days. The amount I am dealing with is {$3400.00}. Chase failed to deliver according to their time windows, its now been over a week, my money is still pending somewhere and there is no resolution. I need this money back due to a failed service on Chases XXXX end. Even the Chase support team said that this was an error, but I have not received any resolution.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mr. Cooper Group Inc. (VA)

previous mortgage was sold to Mr Cooper current mortgage holder. first contact I made XX/XX/year> and XX/XX/year> and XX/XX/year> all dates resulted same... still have issue with Mr Cooper not paying insurance provider from my escrow account. Insurance provider has gotten same results that i did " NOTHING ''. I'm currently without mortgage insurance. Mr Cooper in a letter dated XX/XX/year> stated that if the insurance was not paid Mr cooper would get insurance for me with higher cost and lowest coverage. I mailed XXXX letters, an email to XXXX Mr Cooper office HQ and other Mr Cooper offices. Please Help!!