davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc. (NY)

I requested a direct deposit on XX/XX/XXXX, of my balance of {$400.00} on mercari selling app. I had a previously suspended account and it triggered another suspension. I contacted support and after many attempts, someone was finally helpful and verified my ID and I was able to access the deposit page. But it was still showing me error messages, I asked support again. And somehow someone closed the inquiry, and they are asking me what account was it for because they dont see it. And then someone said I need to use a new debit card to deposit into. I got a new debit card, and its showing me activities not allowed. And support responded with please use a new bank account. I emailed them its a brand new debit card from a different bank. They emailed back with the same message, please use a new bank account. I told them again, they responded the same way every time. I dont know if its just bots messages but it doesnt make sense with me saying its a new bank account, and get a response of please use a new bank account, it sounds ridiculous but its true. Its been back and forth like this. Ive been emailing with their support since XX/XX/XXXX, everyday. No resolution in sight. Mercari also imposed a {$2.00} deposit fee without noticing their users, its not much per person, but they have a total of XXXX XXXX active users in XXXX, thats $ XXXX if they take {$2.00} from each user. Its literally easier than robbing a bank. Multiple banks. After getting backlash online, they postpone the date to XX/XX/XXXX, giving some users time to transfer their money out. If some sellers have sales in progress, Mercari still have the {$2.00} from each user. Its not a lot per user. But think the number of active users they have. Even if its XXXX XXXX users, thats already {$2.00} XXXX. This is not agreed upon when people were signing up. The company saw the money sitting in their app and decided to take a chunk of it. XXXX not credit or debit. Its literally robbery. I have {$400.00} stuck there, and I wont be able to get it out before XX/XX/XXXX. Please help.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NC)

In XX/XX/year>, just recently AFTER I put my FIRST DIGITAL XXXX on AUTOPAY ( -for the XXXX time- ) I actually made a DIRECT-DEBIT CARD payment on XX/XX/year>. Apparently, soon after I made that DEBIT CARD payment, the FIRST DIGITAL " Computer System '' OR possibly some COMPANY XXXX  attempted to make a XXXX AUTOPAY payment of {$50.00}, which would be Erroneous & additionally, this Credit Card 's limit is ONLY {$300.00}. Therefore, in XX/XX/year>, I CALLED & SPOKE with the First Digital Card employees- EXPLAINING & DISPUTING the UNAUTHORIZED ATTEMPTED charge of the additional {$50.00}, & for a REMOVAL of the UNJUST {$30.00} RETURNED check fee. Furthermore, I did " request '' for PROOF & a FORMAL investigation & or Explanation of why the XXXX AUTO PAY was " initiated '' - AFTER I already made a PAYMENT. The last time I checked my Credit card account, it APPEARS that First Digital XXXX may have REMOVED the unlawful {$30.00} returned check & the UNAUTHORIZED {$50.00} attempted payment, YET my last {$5.00} payment made several days ago STILL has NOT been credited. Therefore, First Digital has apparently, possibly put this account on RESTRICTIONS & they recently sent me 2 letters stating that.
Consumer complaint received 2024-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (IN)

I recently had to file XXXX  due to XXXX issues and lost income I reaffirmed my mortgage with rocket mortgage the amount of the payoff is XXXX and the reaffirmation amount was XXXX a difference of XXXX I called them on many different occasions to find out why the different amounts and finally received an answer the person XXXX in the escrow department said it was due to an escrow deficiency I ask if they were charging me the deficiency in the reaffirmation then they would need to show that on my rocket account they said no because I hadn't paid it and I argued the point that it was added to the reaffirmation amount therefore changing my balance from XXXX to XXXX therefore it should reflect the escrow was paid on the back end so they changed my overall balance but are trying to make me pay more to cover the same deficiency by changing my payment from XXXX to XXXX I feel like if there adding the shortage into the reaffirmation agreement they should have to show this on the front of my mortgage I would be paying them twice for the same escrow deficiency.
Consumer complaint received 2024-04-09
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. (GA)

This Collections validity is in question and is illegally reporting on my credit report, violating my privacy, and HIPPA law, and. Please remove this from my consumer reports or you are opening yourself up to litigation. 

XXXX XXXX XXXX {$750.00} XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Its a XXXX XXXX XXXX on my credit report and Experian is the only bureau that has the information wrong. I have disputed it over four times and they still have it on my report when it was dismissed by the court.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (OR)

Date of denied transaction : XX/XX/2024. 
Amount of preauthorized debit transaction : {$99000.00}. 
Institution requesting the debit : U.S. Treasury.

Amount of account funds shown as available for use at beginning of day : {$120000.00} including an antecedent deposit of {$100000.00} by U.S. Treasury from a maturing security. 

The bank 's representatives refused to state why the U.S. Treasury  reinvestment request of {$99000.00} was refused. Provided no information about why the funds, that the bank 's own website showed as " available '', suddenly became unavailable when the debit was processed. These arbitrary refusals of transactions coming from the highest fiscal authority of the government should make everyone worry that their social security, pension and welfare benefits that were direct deposited by the Federal government can be frozen ( or put on some unspecified, unlimited hold ) by this bank on their whim and for no stated reason. This is what they claimed their deposit agreement allowed them to do.
Consumer complaint received 2023-11-14
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. (AL)

XXXX XXXX I sent Equifax a certified letter stating that I want them to delete the XXXX  XXXX bankruptcy from my credit report or send information who obtained this information on my credit report. I get no response so I called Equifax and I talked to agency about the bankruptcy and he stated that XXXX reports to the credit bureau. So I wrote XXXX a letter demanding them to delete this bankruptcy from my credit report that the United States Bankruptcy Court do not report to credit bureau nor no agency. ( See attached letter ) I want this deleted from my credit report IMMEDIATELY
Consumer complaint received 2024-04-09
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc. (NY)

I am writing to report an unauthorized digital checking account opened in my name by Experian, a situation that not only compromises my financial security but also suggests a broader issue with Experian 's account management practices. 

Despite multiple attempts to resolve this with Experian, including through their customer service, the response has been inadequate. Notably, a representative admitted awareness of this issue since last XXXX but failed to provide detailed information or a resolution. This conversation, coupled with similar experiences shared by others online XXXX XXXX XXXX XXXX XXXX ), indicates a systemic problem. 

I urgently request the CFPB 's intervention to : XXXX. Investigate the unauthorized opening of digital checking accounts by Experian. 
XXXX. Ensure the immediate closure of my unauthorized account, with confirmation to me. 
XXXX Review and address the broader issue to prevent such incidents, protecting consumers ' rights and financial integrity. 

Your swift action in this matter is crucial for consumer protection and trust in financial practices.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

Jefferson Capital Systems LLC has once again put a false debt back on my credit report when I already disputed this item of XX/XX/2023 and filed a consumer complaint against them and won and it was took off of all my credit reports. But now they still have my social security number and trying to harass me with this false debt that they can not ever verify. This debt that they are trying to collect does not belong to me. They also agreed upon that they wouldnt contact me again about this debt.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

Hello I am XXXX XXXX date of birth XX/XX/XXXX Im writing this CFPB complaint because LVNV FUNDING LLC has violated my federal consumer rights. I am unaware of this debt, I did not have the opportunity to dispute this information. If in fact you believe you have gave me proper notification then please send me the certified receipt with my name on it and my signature.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I looked at my Experian, XXXX, and XXXX credit report on XX/XX/2024, and still noticed Experian, XXXX, and XXXX and is reporting incorrect/ inaccurate personal information. I sent letter regarding the inaccurate information. I contacted the companies to update my personal information. I am telling them to update or delete the incorrect personal information. Experian, XXXX, and XXXX have failed to delete the items from my credit which cause XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. CODE 1681 e ( b ), 15USC 1681S-2 ( A ) & ( B ), and 15 USC 1681 1i ( 5 ) ( a ) ( i ) & ( ii ) these accounts are in violation of not reporting 100 % accurate. Here are the accounts 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 XXXX XXXX XXXX  delete immediately I demand that the above accounts be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

The company has a habit of having a lot of fraud happen to their customers and when we try to fix it it takes forever and its a headache to get what belongs in the accounts due to it effecting my credit cards with wells fargo as well as my debit card so its been a never ending battle and I have to keep money out of that account and keep it in a credit union instead of a bank that I have been with since 2007 and this is just a small issue with wells fargo.
Consumer complaint received 2024-04-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BUDGET CONTROL SERVICES, INC. (CO)

Collector called via relay service, ( I'm deaf, ) did not get the information via mail. Was told was my hospital bill athestist ( spell ). They finally send a bill as a collector. But stated that I went out of control and my fault. He was talk to my dad. I called them to see if I can settle the bill and they threw a urge interest charge to punish me. I tried to work with him. Threat me that the process server is looking for me. I asked him when?? I will go to court due to this threat. Insulted me that I would lose. I told him no I won't. I work for DOJ. He just cracked up. I can not reason with him He stated that he is a lawyer. Boggles my mind.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (NC)

Original complaint was filed on XX/XX/XXXX about additional fees added at the end of my loan. On XX/XX/XXXX the company responded to the complaint that they would be reimbursing me the XXXX charges for over {$200.00}. On XX/XX/XXXX I followed up since I still had not received my refund. They were unresponsive. In XX/XX/XXXX, I filed a complaint with the FTC. The company has not responded to any of my inquiries and I have waited well over the 120 days they claim it can take to receive a refund. I also received information from my bank that in XXXX of XXXX, AFTER the company validated via the attached letter that they would be refunding me, the company stated the amount charged to my account was valid and there would be no refund issued.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute inaccurate information appearing on my credit report. According to the information provided by [ Credit Bureau Name ], there is an account listed under the account number XXXX with the following details : Account Type : INSTALLMENT - Unsecured Loan Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Paid, was past due 90 days Last Reported : XX/XX/XXXX Date Last Active : XXXX am disputing this account based on the following grounds : The account status is listed as " Closed, '' indicating that the account is no longer active. However, the reported date last active is XX/XX/XXXX, which contradicts the closed status.The payment status indicates that the account was " XXXX, was past due 90 days. '' However, there is no record of any late payments in the provided two-year payment history. This discrepancy raises questions about the accuracy of the reported payment status. [ Include any additional inaccuracies or discrepancies you have identified in the account information. ] I request a thorough investigation into this matter to verify the accuracy of the account information. If it is found to be inaccurate, misleading, or unverifiable, I demand that it be promptly corrected or removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as required by law.Thank you for your attention to this matter.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This letter represents my earnest attempt to address and correct the inaccurate information that has been published in my credit report by your company. The recent denial of credit, which can be attributed to the dissemination of erroneous details, prompts me to formally convey that I did not authorize or provide instructions for the inclusion of these specific transactions in my consumer report. 

I am hereby formally requesting the blocking and deletion of these accounts from my credit report. It is imperative to emphasize that this request is not made in error and is not based on any material misrepresentation regarding the necessity to block these transactions.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states " I have the right to PRIVACY '' 15 U.S.C 1681 section 604 A. section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-04-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (OK)

I obtained a reverse mortgage back in XX/XX/2023. The contract that I signed says that the mortgage insurance will be paid from a escrow account. The company that I sat the reverse mortgage was XXXX XXXX XXXX  and they sold my account XXXX XXXX. The insurance company is XXXX. I had a tornado do a lot of damage to my house and now I am being told there is no insurance to cover the damages.
Consumer complaint received 2024-02-17
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2024 I notified Synchrony Bank that there were two fraudulent charges on my XXXX bill made to a company in XXXX XXXX when I was vacationing in XXXX. Synchrony agreed these charges were not made by me, but sent me a bill due XX/XX/2024 including them. 

I called nine different phone numbers over the past three weeks to get an accurate balance and a request to cancel my card. No one I spoke with on the phone or in a chat had access to my account or could cancel the card. Instead, I kept getting pitches for financial services with recurring monthly fees.