davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (VA)

I was contacted by a person identifying themselves as an employee of XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2023, advising they needed me to be at my home to be served with documents for a XXXX on my residence. I requested further information and was given a case # and a toll free telephone # XXXX, as I advised I knew nothing about such action. In the 20 minutes after I spoke with XXXX, they called my neighbor, my son, my home phone, my office phone, and my employer, advising I needed to make myself available for service. I called the number given to get more information. That subject advised he worked for the Law Firm of XXXX XXXX XXXX, and that I owed XXXX XXXX of Delaware {$22000.00}. I advised him I had no such account. He then said it was Chase Bank, I advised I had no Chase Credit Cards. He then told me they were coming to my work to serve me with a garnishment. When I advised him I knew that was false, as there was no Warrant in Debt or judgement against me, he became verbally abusive. I hung up at that time.
Consumer complaint received 2023-04-12
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)

In accordance with the Fair Credit reporting Act, XXXX XXXX {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I sent money to Wells Fargo Account From my Bank of account using XXXX at XX/XX/year> is successful, However I sent another {$3500.00} at XX/XX/XXXX. Wells Fargo Account think it is unauthorized transfer but they don't return money back or give to Well Fargo Account. And Wells Fargo will close account by XX/XX/year> because of this transaction. However the bank still hold the money.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX Experian, XXXX, XXXX are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have banked with Wells Fargo over a year now and Im constantly being charged bogus overdraft fees after I even opted out of overdraft. Pending deposits and withdraws that cause my account to overdraft. I even had an issue where Wells Fargo approved payday to be received two days early and when it showed my available balance I payed bills and Wells Fargo overdrafted my account. Their excuse was they have been having that issue and even though it shows the money was there it wasnt. And there wasnt anything they could do to give my money back. I am fed up I have lost too much at their hands.
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I made purchase on my XXXXXXXX XXXX XXXX credit card on the below dates for the below amounts : XX/XX/XXXX - {$4100.00} - 2 years interest free promotional program ( comenity bank card ) XX/XX/XXXX - {$850.00} - 2 years interest free promotional program ( comenity bank card ) XX/XX/XXXX - {$560.00} - 6 months interest free promotional program ( comenity bank card ) XX/XX/XXXX - {$2200.00} - 2 years interest free promotional program ( comenity bank card ) I started paying a recurring payment from XXXX auto debit bill pay program from XX/XX/XXXX paying {$200.00} a month till XX/XX/XXXX. I changed the amount to {$250.00} from XX/XX/XXXX. I paid {$150.00} extra on top of {$250.00} on XX/XX/XXXX to make sure the amount due by XX/XX/XXXX was paid off a month in advance. So far, I have paid {$5700.00} to the credit card. They have charged me an interest charge of {$2200.00} on a promotional period end balance of {$140.00} stating that when I made my extra payment, I had to call them to make sure that payment was made to the balance expiring. I have paper-less billing and I was not made aware of this rule. the company refuses to work with me. I think this is fraudulent on their part to make a law-abiding citizen with a great credit history pay as they have gotten away with this deceit for so long. Can you guys please help? as of today, I have paid off the entire amount that I owe to room place. I am disputing the interest charges, and they are not helping at all.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My complaint is about an experian who is not respecting the judge 's rule on updating credit. At this moment, my credit has not been updated for more than a month, affecting the procedures for purchasing a house. I contacted the credit cards and they told me that they have already sent you their reports aexperian but experian refuses to update it with the excuse that they do not know what is happening but on XX/XX/XXXX they did report a negative XXXX account as collection being already paid so they are quick to report that negative but not to report or update my report Credit, however, XXXX and XXXX have already updated it, they must stop the negligence of Experian and the way in which they manage people 's credit. In addition, I paid a personal loan for more than 3 months from Affirm, they reported to Experian, they closed it but I did not receive any score I can't dispute either because they take points from me every time I dispute
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

Hello, I see that National Credit System has been trying to collect {$900.00} from me for my past apartment woodbine. I moved out at the end of my lease in XXXX of 2023 and the landlord did their full walkthrough and everything was checked out and I handed in my keys and everything. With no issues now I see that this collection agency reported this {$900.00} on my credit report as a collection and I want it removed from all 3 credit agencies as I do not owe anything. Please help
Consumer complaint received 2024-07-28
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. (CA)

I am a victim ofXXXX. The information listed below, which appears on my credit report, results fromthat trafficking. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$1700.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$290.00}. 

XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$8800.00}. 

Please block this information from my credit reportwithinfour business days, according to section 605Cof the Fair Credit Reporting Act
Consumer complaint received 2024-06-12
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. (NC)

- XX/XX/2024 - via XXXX XXXX XXXX, my Equifax Credit Report request was denied, instructed to mail my request. 

- XX/XX/2024 and XX/XX/2024 -my name, date of birth, SS #, a Government ID ( Drivers License, Front & Back and a document validating my address, my XXXX Energy Bill , all legible copied, were mailed and Equifax continues to declined my request, in response, to mail verification documents already provided.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (AZ)

Hello, I have an account with Juno Financial, who has claimed XXXX is holding all funds for all of their clients. XXXX claims XXXX is responsible. I only know I can not access my funds for the past week and everyone is pointing fingers. 

My account number is : XXXX The routing number is : XXXX The balance is : {$760.00} This may not be a lot of money to many people, but it's my paycheck. How do I obtain my funds? Juno & XXXX have said this was done without notice.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute to Experian requesting the name of the bankruptcy public vendor it refers to. Please see the attached response from Experian in which they claimed that they receive bankruptcy records from a PUBLIC RECORD VENDOR and not the Bankruptcy Court. However, Experian refuses to disclose the details of this Public record vendor as required by the FCRA. I have attached a copy of my credit report showing the bankruptcy record listed as US BKPT CT FL XXXX which is inaccurate according to Experians response regarding the public record vendor. Experians refusal to provide me this information prohibits me from contacting the vendor directly to correct this inaccurate information. I have been denied credit as a result of this inaccurate record ( please see attached adverse letter ). Experian has caused financial hardship as I am unable to obtain the funding needed and therefore I am requesting {$2000.00} in damages per the FCRA which states that consumers are entitled up to {$1000.00} per violation no and less than {$100.00} per violation. Violation ( 1 ) Public records vendor not listed on credit report ( inaccurate ) listed as court. ( 2 ) Public record vendor ( not disclosed ) upon request prohibited a full investigation.
Consumer complaint received 2024-07-28
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: Experian Information Solutions Inc. (TX)

Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with Experian. The dispute with Experian was met with pushback and no resolution. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-07-28
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. (LA)

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

Please refer to my last case opened ( and then closed without my agreement ) against Old Navy and Barclays Bank.

They have red flagged my account and I can not access it. They are sending me reminders ( Barclays ) to pay my bill that is due soon but they have not provided a means by which to do so.

They wont let me use my Old Navy/Barclays card for any purchases. Any orders that I try to place get immediately cancelled and to this day no one responsible for this knows why this is happening. 
When I try to call Im placed on hold for an unreasonable amount of time and when I do finally get a live person they have no answers. 
A representative from the Presidents office at Barclays Bank assured me ( after my last complaint ) that this was all fixed but it is not. I am getting very anxious about this as I dont want it to affect my credit score since I cant make any payments! Please Help!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When checking my credit report I have noticed thaXXXX XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX XXXX  has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXX XXXX XXXX  has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX  XXXX XXXX 
I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

XXXX  months ago i added a fraud alert on my equifax credit report, i called to have it removed in XX/XX/year>, but its still on my credit report. i would like them to remove this fraud alert from my credit report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When checking my recent credit report I have noticed that XXXX XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXXXXXX XXXX XXXX XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXXXXXX XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX XXXX or the company that they are collecting for. 
I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (KS)

These are previous case numbers of complaints asking for modifications with XXXX XXXX XXXX ( you guys ) XXXX XXXX Date : XXXX Both complaints asking for modifications of mortgage and referring to earlier dates. We asked for one via phone in XXXX of XXXX and told we were not qualified. We also asked for one in XXXX & XXXX. We were turned down. We were told to refinance our mortgage. We were in bankruptcy because of this predatory loan, so we could not refinance it anywhere. 

We are asking for the money that everyone else received off the loan modification lawsuit. XXXX XXXX XXXX  Mortgage was required to send out letters to ALL of us customers that were harmed. We have been financially harmed by XXXX XXXX XXXX  Mortgage. 

XXXX XXXX Date : XXXX
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

As of XX/XX/2024, I checked my credit profile and noticed a credit card account for CCS Collection. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

Dear Sir/Madam On XX/XX/year> I send two XXXX wife transfers of {$5000.00} each from my account in XXXX in XXXX to my brother account in XXXX XXXX  in XXXX. On XX/XX/year> both transfers were rejected by bank XXXX and sent back. 
Bank of New York Mellon seized those return payments with no any basis and holding it for more then 2 years using my money Now I received an OFAC license but BNY refuses to make those payments.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and get loans. Thank you
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MI)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

-According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. 
Please remove this item from my credit report.
Consumer complaint received 2024-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I am apart of the XXXX XXXX. XXXX lawsuit. My federal student loans were already discharged. My schools are on the list for defrauding schools. I submitted a CFPB complaint to Navient and asked for the school misconduct discharge form and was denied. I would like to know more information as to why I was denied. Navient just said that I was denied because my private student loans were consolidated and thats why it was denied. It doesnt make sense. I have a private student loan and I have been approved for the borrowers defense to repayment and my federal loans discharged. My private student loans were from the same school. In fact Navient pushed me into consolidation. Can the CFPB look into why I was denied the application?