davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (TX)

Hello CFPB, Wells Fargo has never answered the below question. Although, they have responded to many requests from me, they have never responded to this simple question. They ramble that they have responded to my request, but they never have responded to this request. Please note how easy it would be to answer this question ; however ; they have refused to answer the question : YOUR COMPLAINT On what day, month, and year did Wells Fargo begin the foreclosure process on my home? Was it XXXX  or XXXX? Please provide the day and month also. Thank you. 


They are obviously afraid to answer this request. Why else would they not answer the question They bring up previous requests, but they have never answered the above request. If they have answered the above request, why don't they point out exactly the date of the response that answered this request. We all know why. Because they have never provided the answer to the request. Please note the pattern that Wells Fargo follows. They pretend to respond to requests ; but they never really answer the request.. They talk around the request. They try to make the customer feel bad or feel horrible for asking the request in the first place. They want to shut me down. They want to make me feel like an XXXX. Just as they did in our last request. The above complaint has never been responded to. So it only makes sense that I ask it again. Hopefully CFPB is recording their responses to prove who they really are. They do not live up to their mission statement or their code of ethics or code of conduct. They do not care about their customers. They care about money. They make more money getting sued than doing the right thing. Please, Wells Fargo, do the right thing, and answer the above request that you have NEVER answered before.
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: Bread Financial Holdings, Inc. (GA)

This is my refilling and requesting for the reinvestigation to XXXX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

This to formally lodge a complaint concerning the improper handling of my credit information by the major credit bureauXXXX. Specifically, my complaint pertains to a collection and a credit card account that has been fraudulently reported and is improperly retained on my credit report despite my efforts to rectify the matter.

Account name/number : LVNV Funding LLCXXXX I am not liable to any debt with XXXX XXXX XXXX I did not contract with LVNV funding and they did not provide original documents as requested. 
Account name/number : XXXX XXXX XXXX XXXX From fraudulent use of my personal identification and more damaging from the inaccuracies showing across my consumer report from different credit bureaus.

The accounts in question was reported as a result of identity theft, and I have provided the necessary documentation to support my claim of fraud. Despite this, the accounts remains on my credit report, negatively imp

acting my credit score and financial standing. This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers against inaccuracies in credit reporting and to ensure the proper handling and deletion of fraudulent information. The FCRA mandates the following : Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy and integrity of the information they report. The retention of this fraudulent account clearly fails to meet this standard. Dispute Resolution ( 15 U.S.C. 1681i ) : When a consumer disputes the accuracy of information on their credit report, the credit reporting agency is obligated to investigate the dispute and make necessary corrections. I have disputed this account multiple times, but the fraudulent information remains unresolved on my report.
The continued presence of this incorrect information on my credit report is not only unjust but also harmful to my financial health and reputation. I respectfully request that the CFPB take immediate action to investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA.
Consumer complaint received 2024-08-10
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/year>, I was traveling on vacation and received an email alert from Chase Bank thanking me for my recent application for a Chase Freedom Flex Card. At my earliest convenience I contacted the bank to let them know that I did not apply for this card and that the inquiry needs to be removed and I would like paperwork on this fraud case so that I can file for more information to see who may have filed for this card in my name. They said not to worry and that the card was denied because the address didnt match the address they had on file for me. 

My main issue with the company now is that its almost been 2 MONTHS and I have yet to receive any documentation on this incident and the inquiry is still on my credit report. Ive spoken to 3 different representatives and all of them have said I would receive paperwork in two weeks. Its the same message every time. I need these inquiries removed from my credit report immediately and Id like paperwork for this.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

My PayPal account was shut down after receiving {$250.00} from a sweepstakes entry I won. The money was received but when I tried to withdraw the money it froze my account. A 120 day hold was placed on the funds. Just before the hold was up they took {$160.00} for a negative balance on an account that isn't mine. They said they would send an email after the holding period but I never received it. I have tried resolving the issue with PayPal but have not been able to reach a live person. After reading the terms of service repeatedly I have yet to find where I supposedly violated. I am also banned from using PayPal services permanently. After 2 years I have given up on recovering the funds. I'm not sure what else to do.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2024 I attempted to freeze my TransUnion credit file. Unfortunately, I discovered that this was not possible. 

According to the TransUnion website at https : //www.transunion.com/ I must create a TransUnion user account in order to freeze my credit file. When I tried to create an account, the web page told me that I already have an account. 

That's true - I did have a TransUnion account in the past, but that was very many years ago. When I tried to use the credentials of my old account, the web page told me that because I have not logged in to that account in such a long time, I have to create a new account. But when I tried to create a new account, the web page told me that I have to log in with my old account, and this continued in a never-ending cycle. 

In an attempt to resolve this situation, I called TransUnion consumer support at XXXX during the hours indicated on the TransUnion website. But after providing the automated system with the information it requested of me- my zip code and my SSN- the call simply disconnected. I tried this on four separate occasions with the same result each time. 

I also attempted to resolve this with the chat utility on TransUnion 's website. However, on both occasions when I tried this, the wait time was never less than XXXX minutes. 

All I want is to freeze my TransUnion credit file. XXXX and XXXX make this so easy, but with TransUnion it is simply not possible for me to do this. Can you help me to freeze my TransUnion credit file? I appreciate your assistance.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK (NY)

I am writing to address a critical matter regarding the utilization information currently reporting cross my credit files. Utilization is an experience with a line of credit that was extended between me, the consumer and Achieve Loans. Under 15 USC 1681 2a1, Congress explicitly states that utilization data should NOT be included on consumer reports. This statute mandates that such information must be removed promptly, as I have not given consent to Achieve Personal loans to report.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Please see all attachments. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

Have been locked out myequifax.com account off and on over the course of the last 3 years. I have spoken with the company to troubleshoot this over a dozen times. I have provided verification documents, attempted to log in on multiple devices and internet connections, to no avail. 

My issue has been " escalated '' to the higher-ups multiple times, yet I have received no response or resolution. I was informed today that the latest escalation has been pending since XX/XX/year> - with no update or resolution date available. 

I have been denied the ability to access critical credit information as a result of this issue. 

My latest case number is XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MI)

Complaint against Jefferson Capitol Systems. They are attempting to collect a very old debt that was already removed from my credit report after XXXX  years. They are aware of this and yet they reported the debt to the credit agencies resulting in my credit score being severely damaged.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (OH)

On XXXX XXXX I purchased a car XXXX XXXX XXXX in the amount of {$62000.00} with my XXXX XXXX XXXX XXXX I was supposed to be the buyer and she the Co-buyer but that was switched around on the contract. The Car was purchased at XXXX XXXX XXXX XXXX and this does not display on my credit as a co-buyer it does display on the Buyers credit only. This has been error on my account for XXXX years and it is creating issues for me when I am applying for credit for the last XXXX years. I also was illegally charged a down payment of {$2000.00} statue 16 CFR 433.1 ( i ) which iterates Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. With that in mind and proper understanding you can review the definition of a finance charge as it is legally defined in 12 CFR 1026.4. As of XXXX XXXX XXXX  the XXXX XXXX XXXX is not showing on my credit report as the co-buyer. This is effecting me tremendously. The vehicle is registered to me as the co-buyer with the state of Ohio but the Buyer of the vehicle with the state of Ohio. The contract state XXXX is the Buyer and I am the Co-buyer but she signed a co-buyer form and I did not.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HW Holding, Inc (FL)

On XX/XX/2024 I sent a letter to Hunter Warfield asking them to prove where I gave consent to report this account to XXXX, XXXX and XXXX. 

Furthermore, per the FRCA as a federally protected consumer, I advised them that I am now opting out of any and all authorizations I, the consumer may or may not have given them ; written, unwritten, verbal, and nonverbal per 15 USC 6802. I stated this was effective immediately and indefinitely. However, it has been over 30 days and I have not heard back from them, nor has their account been removed from my credit reports.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

ON XX/XX/2024 @ XXXX i was stopping at a local XXXXXXXX XXXX XXXX to use the bathroom and get some cash from the XXXX XXXX  that is located in the XXXXXXXX XXXX XXXX located at XXXX XXXX DE XXXX XXXX XXXX XXXX As i was using my chime card to attempt to get funds out of the ATM MACHINE In the amount of {$200.00}, I noticed after putting in my card pin that the atm was not disbursing any funds as it was making the disbursing sounds. after waiting for 5min the atm appeared to display a atm error transaction indicating that the transaction was declined. 

however on my chime transaction history it appears as if it was successfully able to make the transaction but indeed was not able to received my funds. 

I soon then reported it to chime and filed a dispute, but chime soon denied the dispute regarding this urgent matter. this is the second dispute that was denied wrongfully
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (PA)

{$1300.00} was remitted through Remitly service, money want sent on XX/XX/XXXX before noon Eastern day time. Money not delivered, Remitly sent untruthful receipt and misinformation that money has been delivered
Consumer complaint received 2024-03-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

I purchased XXXX pair of Boots in XXXX, and I sent them back before the XXXX weeks was out. They were too big. I order XXXX and they were too big. I called XXXX XXXX, the first time talked to a man, and he was so nasty, told me you order the boots, and you need to pay for them. I said I sent them back he said you lying give me your card number and pay for the items I said no. I hung up and talked to someone else and they said they received them, and they would fix my billing. Apolozied for the Man action. They never did I called back and talk to a survivor, and she said she straighten everything out she seen where I returned the XXXX boots. and she would send me a email. They would waive the late charges and the returned charges, which I never knew about. I never gotten a email. so, I called back still not fixed. I called on XX/XX/2024 and talked to the survivor and he said he seen the item returned and said they credited me first for the red boots and half on the Blue Boot which was {$89.00} dollars, and he would go in and fix it for me and waive the late fees and put my credit back my card. I called Comenity Bank because they have {$200.00} on my credit report and the first Lady was nasty talking, we only by what XXXX XXXX tell us I can do a dispute, but I can't tell you if they going to fix it. So, I call Comenity Bank again XX/XX/2024. said now I owe {$190.00} and now the Bank XX/XX/2024, I was asked if I purchased a XXXX item. I said No. I promise I have no Idea what XXXX XXXX and the Comenity Bank, is doing trying to get Money when I returned the XXXX items. I never purchased XXXX items. ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone Number XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have checked my bank account and found that there is check payment deducted from my account but that check is not issued by my and also check number and check was not have my name and details but it has wrong bank account and routing number but still paid from my account as bank was negligently issued payment to someone else from my account on wrong check. I was astonished to see that it was paid from my account as it was my check, even the information does not match on check with my bank information. Bank is totally negligent and fails to fulfill its duty of care to a customer, resulting my financial loss. 

How a bank can not look into details when making payments, and negligent with our funds. 

A wrong check not issued by me posted into my account in Chase Bank, and paid on XX/XX/year> and money was deducted from my account. 

I reported to Chase bank on XX/XX/year> when i looked into my account and they sai that they will fi this. But issue is that now i feel unsafe that any person can cash a chek from my account. Chase bank system is not reliable now and regulatory authority should take action on this even i receive my money bank so other customers will be safe.
Consumer complaint received 2024-06-17
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. (GA)

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. 
XXXX XXXX  - Please verify that this is reporting correctly on my report. - I was never late on this at all XXXX XXXX - Please verify that this is accurately reporting on my report. - I do not recall ever being late on this *15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. *
Consumer complaint received 2018-04-20
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. (IL)

Experian is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XXXX, XXXX, XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Experian in the past and the information was not changed after their " investigation ''. 

Please update this information immediately as it has hindered my ability to obtain credit and employment.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D.B.F. COLLECTION CORP. (NJ)

In XXXX  I was renting an apt from XXXX management. This was during the pandemic and the rental company agreed to let me out of the lease and not have to pay back the 3 months rent that I owed. They told me I have to make a payment of XXXX and we would be " settled ''. Unfortunately, I am not an attorney or have an experience with this and we did this all by phone. On XX/XX/XXXX DBF collections represented by XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX, contacted me and told me I owe the landlord XXXX. I explained my side of the story to them, they told me they would not take any action until the situation was confirmed and resolved. This was false as they reported my alleged debt to a credit reporting agency. I asked for a court order proving that I owe money and was told they do not need one. I attempted many different times to resolve the debt and was told that its not on DBF, that the landlord does not want to resolve it on my terms.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax keep posting incorrect details in my account for the past 1 year, i do not have any accounts in derogatory status in other bureaus but it still shows my account in derogatory, account with negative information is 6 but when i see each report there are none as all accounts are paid or closed
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX informed me that after the debt was paid off the debt would be removed from my accounts. Both accounts are still on there, and then they told me that they didnt receive the final payment even though Ive sent them proof of that final payment ( included ).