davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TN)

I applied for a checking account online on XX/XX/year> and have yet to receive a response. I called on XX/XX/XXXX to check the status and they told me I had to contact their fraud department. I have called several different listen numbers and the one they told me to call and the automated operator will not let me speak to a human being nor can find my application. I just got off the phone with them and they said there is nothing they can do and bounce be from department to department. No one can cancel my application. 

I do not appreciate this type of treatment nor am I going to tolerate it. If this is how prospective clients is treated I want no part of a company who will not allow me to speak to a human being nor will honor my requests dealing me my personal information. I have no idea what they are doing with my information and they will not tell me.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc. (TX)

On the XXXX of XXXX. I did a transaction to XXXX using Sendwave. They lied to me that the money was delivered on XXXX of XXXX. The recipient never recieved the money..I sent a statement of account as a proof. They lied and said there was a glitch and the money sum of {$2900.00} will be refunded as truly it was not delivered. They lies. I haven't gotten that money and they are not planning to refund or giving a response. They took the money and I have not gotten a refund
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NV)

I had services cancelled as of XX/XX/XXXX. No final bill was provided and a return label was never provided. I had previously requested a return label several times and I never received the return label. I then contacted XXXX again and requested another label. Never received the label again. I contacted XXXX again and advised that I again not received the return label and asked that it be sent to another email address. I was told that they could not update the information and send the return label to another email address. I then received communication from collection agency and immediately contacted XXXX again. I was told that the would send me another return label to a new email address. I again never received the label and was told that I could not return the equipment to the store, but I could pay the final balance of {$38.00} in the store which was the final bill of {$45.00} minus a {$7.00} late fee that was waived. I then received another collection notice from another company stating that the bill was now {$560.00} which included equipment charges of {$450.00} and a one time fee of {$110.00}. I called the collection agency and filed a verbal dispute and immediately called XXXX again on XX/XX/XXXX. I was then told that the account had been closed and transferred to the collection agency and now I can no longer return the equipment and I would have to pay the full balance. I have no contract and nothing in writing stating that there is a timeframe and was told that once the account is closed they can not send return labels to other email addresses even if you dont have access to that email any longer. XXXX provided no other alternatives to be able to return their equipment and is now trying to stick me with a bill for over {$500.00} due to their inconsistent information, lack of customer / business follow through. They failed to provide accurate details/ information, timeframes, guidelines, and did effectively communicate the closing requirements and options to ensure that the account was closed successfully.
Consumer complaint received 2023-12-28
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. (SC)

I told Experian, XXXX, and XXXX to reinvestigate these 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

To whom it may concern, Case # ( XXXX ) I am writing the letter to help me bring resolution to civil debt collection case ( XXXX ) I have been trying to resolve since XX/XX/XXXX. The original creditor is Synchrony Bank ( rooms to go ) and the debt was assigned to XXXX XXXX I, XXXX. The original account was opened with Synchrony Bank ( rooms to go ) around XX/XX/XXXX for about XXXX. And on time payments was made up to coronavirus virus horribly struck our country in which I lost my job and forced on unemployment. Fast forward to XX/XX/XXXX I received a letter to collect a debt from XXXX XXXX I, XXXX and I question this debt that is claimed to be owed. I received proper notice of the pretrial hearing by mail delivery service on XX/XX/XXXX. Since the beginning of this civil case, I have requested constantly validation of the debt, but I have never received the proper validation documentation. I attended the pretrial conference on XX/XX/XXXX which was referred to mediation because I provided the Judge documents that challenges the debt in question. During the mediation conference on XX/XX/XXXX I provided the acting attorney with all the documents that challenge the debt they say I owe. The documents that were provided were the Card Security Debt Cancellation Agreement Insurance Policy I actively had during that time. Which agrees to cancel any remaining debt in the event of a Job Loss, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During that time, I called and notified the company of my Job loss due to covid and they submitted a claim on my behalf. I have not received any balance statements up until now. The mediation hearing resulted in no agreement. And I was told during the hearing that I would be notified with next steps from the attorney and the 2 mediators on the zoom call. I never received any kind of court notice or anything in the mail. Until I received two unmarked white envelopes in the mailbox stating I missed a court date on XX/XX/XXXX. I received the letters around XX/XX/XXXX, in which I went to the courthouse the next day and filed a motion for a rehearing. I believed I was taken advantage of due to the vulnerability of me not knowing how court proceedings actually work so I would not show up to my court hearing and have a final judgement and not have a chance to present my case to the Judge. I did received information from the clerk of courts on how to actively check on my case online at core.duvalclerk.com. I do need help and some assistance with what I need to do to move forward in this situation. Please if there is anything I can do to help myself in this situation provide me with any resources or information that will help me in this matter. 
Thank you so much I really appreciate any assistance!!!! Case # ( XXXX ) / XXXX / XXXX XXXX
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Williams & Fudge, Inc (MI)

I attended XXXXXXXX XXXX XXXX XXXX XXXX for the XXXX spring semester. I was a XXXX XXXX student residing on campus in the XXXX XXXX. I was registered as a XXXX XXXX student and successfully completed and passed all of my courses. My tuition was partially paid by federal student loans in about XXXX dollars. Due to my remaining balance of XXXX dollars the XXXX is preventing me from obtaining my rightful transcript and preventing me from pursuing my education at another XXXX. I have to spoken student accounts at my previous school and they verified that they are refusing to release my transcript until it is paid in full.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024, I filed a chargeback with Wells Fargo disputing a fraudulent purchase from XXXX. The purchase was for one item, split into three transactions : a XXXX  % deposit ( {$920.00} ), a XXXX  % payment ( {$610.00} ), and a final XXXX  % payment ( {$1500.00} ), totaling {$3000.00}. 

I provided Wells Fargo with detailed evidence, including an 8-12 page PDF and a statement from XXXX supporting my claim. However, Wells Fargo only refunded two of the three transactions, as shown in XXXX, due to their mistake of filing two claims for one situation. 

Throughout this four-month ordeal, Wells Fargo repeatedly credited and then reversed the {$1500.00}, citing their error in filing two claims. Despite receiving a letter stating the credit was final and the case was closed, they reversed it again on XX/XX/2024. When I called to explain, the agent hung up on me. 

1. XXXX confirmed the fraud and stated I didnt need to return the item unless the merchant paid for shipping, which didnt happen. 
2. Wells Fargo refunded 2/3 transactions but not the final payment due to their mistake.

3. I received letters confirming all three credits, yet they reversed one.

4. Wells Fargos actions make no sense, as they are effectively penalizing me for their filing error.
Consumer complaint received 2024-05-30
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: Resurgent Capital Services L.P. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-11
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. (CA)

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. i will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Consumer complaint received 2023-08-30
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)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. See Attachments ....
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Paid {$50.00} to hold a refrigerator via PayPal on XXXX XXXX. When the " seller '' starting asking for more money, we said " no and please refund us our money '' they shut down the account being used and removed themselves from the chat ( I have screenshots of the chat as well as some of the user data before they removed it ). 

I submitted a complaint to PayPal with the same info above, and they responded with " This looks like a normal transaction so we aren't going to do anything. '' The user also removed their profile from PayPal so I can't contact them directly like PayPal directs me to. I'm attempting to escalate the issue via PayPal but don't see where i can do that. 

I guess if it feels like a scam, it is one.
Consumer complaint received 2024-05-02
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. (NY)

XXXX, XXXX and transunion failed to provide factual documents about these accounts on my personal account Transunion -Address of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX -Failed to provide factual information about XXXX  XXXX account # XXXX -inquiry from XXXX XXXX  XXXX XX/XX/XXXX XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

per 15 1666B no lates should be furnished per 15 usc 1681 b as well. I did not authorize any furnishing, i did not provide my consent or anything. im disappointed in the companies and the matter needs to be resolved asap.
Consumer complaint received 2023-02-13
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. (GA)

I reviewed my consumer report and noticed that a bankruptcy is being reported on my account. I have contacted the credit reporting agencies to get this information removed with no resolve. I am disputing this derogatory information as it is harmful to my personal report and because I never gave my consent to share this information to my my report. 

15 US Code 1681 b Permissible Purposes of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

The consumer reporting agencies are violating my consumer rights. 
They stated that the information was acquired from a third party source and shared without my consent.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

In XX/XX/year> I became a member of Chime and selected them to do my banking with. I had 3 checks from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX in {$980.00} each totaling {$2900.00} deposited in my account at Chime. When I opened the account I never received a debit card and all they did when I called to inquire about it was tell me it had been mailed to me. I never got the debit card. I tried to close the account and transfer the funds but they told me the account had been closed and that I would have to get another debit card before I could withdraw the funds. They still have my money and I have never received a refund for the total Amount of my checks they have. The account number is XXXX and the routing number is XXXX. I want my money returned to me as soon as possible.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (VA)

According to 20 USC 1232g ( b ) ( Family Educational Rights and Privacy Act ), its federal law that my student educational records are kept private. This includes any private or public elementary, secondary or post secondary school.
Consumer complaint received 2023-12-28
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)

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 

Per 16 CFR 313.7 ( f ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. 

I have opted out but they are continuing to report my private nonpublic information against their terms and conditions by supplying it to non-affiliated third parties, not supplying me with the required opt-out documentation, and committing Identity theft by using my copyrighted name. 

16 CFR 313.1 Authority:15 U.S.C. 6801 313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Also, a charge-off is a " certificate of indebtedness '' and is now being reported as " INCOME '' which is " NOT ALLOWED '' to be reported on my credit report
Consumer complaint received 2022-10-28
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. (AL)

In accordance with the Fair Credit Reporting act. The list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXX XXXX  inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.