davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

I've been looking at my credit report lately because I am trying to get in position to buy a house. I noticed Citi Bank reporting late payments on my report that is not at all accurate and this information is extremely damaging to my credit worthiness. I was taking a look at my card member agreement and noticed thatI have the right to arbitration in disputes. I am demanding Citi Bank update these late payments asap as they are a violation of my consumer rights under 15 USC 1666b in which a creditor is not to report late payments. Also I do not give Citi Bank permission to report any information to ANY third party that is adverse to me the consumer. Time is of the essence
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (SD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim of the Equifax data breach. My rights were violated, my privacy was violated. I was deceived and my personal data has been mismanaged due to lack of a strong cyber security infrastructure within their systems. This has affected me emotionally and financially. Time and money has been spent recovering my identity. Time has been spent ordering and reviewing numerous consumer reports to verify and identify inaccurate information. Time has been spent traveling to and from the post office, traveling to the police department, and traveling to the library, etc. Money has been spent on postage fees, notary fees, purchasing a printer, time off work due to XXXX I've felt isolated and helpless during this whole process. Money has been spent due to denied loans and credit due to misinformation on my consumer reports. The amount of time and work conducted in restoring my identity due to the company 's irresponsibility to take cyber security more seriously.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent money on XX/XX/year> via Western Union to a bank account in XXXX. The mode of payment was XXXX XXXX, i used my debit card. The transfer was supposed to be instant as i paid the fee for it. After i sent the amount, it said that the transfer was complete, but the receiver never got it. I called WU to check what happened and they told me to wait 24 hours, which i did but still the receiver did not get it. The receiver is a family member and not a stranger, just FYI. I have sent money to this account several times. 
WU told me to check with their bank and they had called the bank but they did not receive any transaction detail either. Now WU agent that i called is saying that it might take 7-8 days for this transfer, when i paid a fee for it. 
This isn't the first time that i lost money. Last year around XXXX same issue occurred where it showed that the money was transferred but my receiver never got it. WU instead asked me to provide her bank statements, which is totally against privacy. So this time i asked them to file a claim and they said i need to wait to do this.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

My complaint is on Care Credit by Synchrony Bank. I applied for the credit card in XX/XX/2021 to help pay for XXXX. I charged the {$4500.00} to the card under a no interest for 24 month promotion. The promotion expires in a few days and they added $ XXXX in interest. I asked how much I had left to pay on the promotion and it is almost {$3000.00}. They stated if I paid that amount before the next due date, they would cancel the interest. I have made {$4200.00} in payments during the 24 months. They stated that I could not chose to have those payments applied to the promotion and that payments are applied as they see fit. I would be happy to pay the remaining {$210.00} before the next due date to cancel out the interest. Yes, I made other purchases over the 24 months, but that interest wouldn't total up to {$2900.00}. The fact that I have made that much in payments but only paid down the promotion by less than {$1600.00} is a scam and predatory.
Consumer complaint received 2024-05-29
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: OPORTUN FINANCIAL CORPORATION (FL)

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. The accounts below have violated my rights 15 U.S. C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse tem of information, other than records of convictions of crimes which antedates the report by mote than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below. 



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 XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I wrote a check on XX/XX/XXXX to a vendor for {$5000.00}. The check was intercepted and never received by the vendor. The payee field on the check was altered and was cashed by a person unknown to me, XXXX XXXX XXXX, on XX/XX/XXXX. I filled out paperwork with Chase to recover the funds, but only receive monthly form letters stating that they are working with another bank on my check claim. In the same letter they state that they can not force the other bank to respond or take action. They do not list the other bank. It should not be my responsibility to contact the other bank as Chase allowed this check to be cashed fraudulently. I am getting frustrated that there has been no movement to recover these funds. 

I was told by my banker via an email on XX/XX/XXXX that " my claims department... was able to get the claim approved. You should see a credit for the funds by the end of next week. '' I never received the funds. 

I have already written a new check to the intended vendor because the funds were owed to him. But now my company is out {$5000.00}.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I submitted a complain it came back as verified please send my an original contract sing by me please provide me with any original contract with my signature because all I see is a bill with a wrong name and address please this is affecting my credit when I have never knew this lender this is violating my rights as a customer
Consumer complaint received 2024-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IMMEDIATELY REMOVE un-authorized inquiries 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


IMMEDIATELY REMOVE tradelines XXXX XXXX XXXX  Account:
XXXX

XXXX XXXX XXXX
Account: XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX  Account:
XXXX


XXXX XXXXXXXX
Account: XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

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 a 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 Any 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 2024-01-29
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: EQUIFAX, INC. (CT)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-07
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. (FL)

hard inquire was done without my permission i wasnot present at the time this was done! 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 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

My Wells Fargo debit number card number was obtained through fraudulent activity via online on XX/XX/year>. Several transactions were made via XXXX XXXX after persons unknown made a profile with XXXX XXXX using my debit card number. The first transaction was for {$1.00}, the second for {$420.00} which Wells Fargo let go through. After that the perpetrators attempted several transactions in the amount of {$560.00} at that time I received a fraud alert text message from Wells Fargo asking if I was making this transaction. I replied No and got a response that my debit card had been blocked for my protection. I called Wells Fargo and advised that my card had been hacked and all these transactions were fraudulent. A claim was opened with Wells Fargo on XX/XX/year> which took XXXX days and after that time I was told that no error occurred with these transactions. I asked for the claim to be escalated because I did not make these money transfers that was showing XXXX, and I was in South Carolina at the time. I was told by a Wells Fargo representative that the money transfers were made via a cell phone and because Wells Fargo could not track down who made the transactions, they could not refund my money. On XX/XX/year> I contacted XXXX XXXX, and they were able to locate the transaction, the name that was used to make an online profile with my debit card number. I was given a case number by XXXX XXXX and advised to contact Wells Fargo again. I called Wells Fargo back and was told that because the case was closed, they could not reopen it. I was also told that their investigation showed that the chip was entered to process the transaction which is not true and not what I was previously told. Wells Fargo is refusing to refund my money However XXXX XXXX states they have all the information that Wells Fargo needs to prove I did not make these transactions.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

im Writing t consumer reporting agencies ( XXXX XXXX, Equifax ) of a formal complaint against XXXX XXXXXXXX XXXX I've included the Cfpb case number XXXX and a copy of my opt out letter I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/year>, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX 
Please feel free to contact me at if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2024-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I took my XXXX  for a XXXX on XX/XX/XXXX and was billed on the XXXX for the same amounted I was charged on the XXXX by XXXX XXXX XXXX, on my Capital One QuickSilver Card. 
I have tried disputing this multiple times with more than enough information, and they have denied me. 
Capital One was the one who told me to hold off on opening a dispute until I contacted the merchant. 
Thats what I did for months even showing them proof of my contact and no response from the merchant They want to reapply the charge of XXXX
Consumer complaint received 2024-06-03
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: Waypoint Resource Group, LLC (TX)

I'm currently trying to buy a house and according to the 15 U.S.C 1681 law that shouldn't be any damage on my reports and that's a defamation to my character. I recently looked at my credit report and noticed some damage. I notice the company XXXX ( WAYPOINT RESOURCE GROUP COLLECTION ) was on my credit report. I explained to this company before that this account is an error that needed to be removed. The agent told me they would remove it I been dealing with this situation since 2022.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

Back in XXXX, before my payments were meant to start in XXXX, I filled out an application to have my payment amount lowered, since I can't afford it. The application was never processed, even after calling numerous times to check on the status. I was then put on forbearance from XX/XX/XXXX, until after XX/XX/XXXX, and they assured me it would be processed by then. I got an email on XX/XX/XXXX stating my repayment schedule was changed, and now on some pages of their website, it says my payment is due, while on others it says it's due XX/XX/XXXX. Which is it? And it still has not been lowered to the amount I applied for. This is getting ridiculous.
Consumer complaint received 2023-05-08
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. (NJ)

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 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

I had my student loans forgiven after the XXXX agreement with my original provider, My Great Lakes . Now my information has been transferred to a new company, Nelnet.

I have an email confirmation for {$18000.00} and {$250.00} that was refunded back to my account on XX/XX/year>. 
The email states the refund came from the U.S. Department of Education. 
Now through Nelnet I have a balance of XXXX XXXXXXXX. 
A lot of conversations were had on the phone when I originally applied for the forgiveness. I have siblings going through the same issue.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NY)

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 
XXXX XXXX XXXX XXXX XXXX  XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

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 a 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 Any 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 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I am writing to express my dissatisfaction with the handling of my student loans since their consolidation on XX/XX/XXXX. I applied for loan consolidation to become eligible for the Public Service Loan Forgiveness ( PSLF ) program and requested placement on the SAVE Plan. However, I have faced numerous issues since then : On XX/XX/XXXX, I was informed that my consolidation was complete, and Mohela would be my new servicer, but I have been repeatedly placed on incorrect payment plans. 

Despite following their instructions and resubmitting the SAVE application five times, I have been placed on the Standard Payment Plan, IBR-C Payment Plan, and now the Level Payment Plan, resulting in monthly payments over {$800.00}, which is significantly higher than what I qualify for under the SAVE Plan. 

Due to Mohela 's errors, I have been placed in forbearance every month from XX/XX/XXXX to XX/XX/XXXX, causing these months not to count towards my PSLF payments.

I am eligible for the SAVE Plan, and these issues are jeopardizing my ability to have these loans forgiven within a reasonable amount of time and significantly adding to mental stress and anguish.