davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/23 a bank account was opened at Bank of America in my name and approved with out my consent. Also an account with Merril Lynch was also opened. XXXX XXXX notified me immediately and set up a three way call with Bank of America and Merril Lynch to have this resolved.
Consumer complaint received 2024-01-05
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. (GA)

I have inquiries on my credit report. 

XXXX XXXX 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 2023-10-04
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. (GA)

Please verify these inquiries, as I do not recognize them and wish to remove them from my credit report : Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

I have never heard of said company, they lied about date of debt. Said the date of the debt is from XXXX of XXXX when in fact it would have been from XXXX if not later. Amount is incorrect, believe they have added collection fees on to this amount. Have never been notified by this company that I owe a debt let alone one that is nearly XXXX XXXX XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove these fraud items in my credit file : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (DE)

Received a phone call from XXXX at Wells Fargo today. She stated the letter I received with notification of an error and the {$200.00} check was sent out to many people. She said they are not stating there was an error. I play explained that is what my letter shows. She said it is not to be taken that way and also said that I have submitted the same complaint numerous times, and they will be replying in the same manner as they have each time and including the same copies. I explained that someone needs to review it thoroughly. She said our responses will be the same and you can keep filing over and over again but our review is not going to change. I asked if she was saying someone with a {$15.00} an hour job is going to be approved for a {$300000.00} mortgage? Her response was if you want to apply for a mortgage with Wells Fargo you can. I said well I had to make quite a lot more than that too get approved for my mortgage. However, when I tried to modify, they would not reduce my payment stating I could make an {$1800.00} a month mortgage payment while earning {$15.00} an hour at my job. She said their decision still stands and they will respond the same way each time no matter how many times I request a review. What type of review process is this? How is this beneficial to consumers? How does this help anyone if they are not looking into anything and just sending the same response? Wells Fargo is not being held accountable and your agency doesnt seem to care what they do to consumers.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My repeated requests to correct and remove false and inaccurate information from my credit report continue to be denied or ignored. As a consumer, I am aware of my rights, which are being violated by the inaccurate reporting from these companies. This misinformation is damaging my credit score and having a detrimental effect on my life.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency furnishes an account without my written instructions.
Consumer complaint received 2024-05-07
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 urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OR)

My loan servicer was transferred from Great Lakes to Nelnet in XX/XX/XXXX. I subsequently received multiple messages in my inbox on the Nelnet site about my school deferment request being approved ( I did not make this request, though perhaps this was the COVID forbearance? Though it didn't say that. Very confusing ). 

When I logged into my account, I saw that many of my accounts were labeled as under the Standard repayment plan ( I was always under income-driven repayment, even at Great Lakes , so this was incorrect ). 

I applied for the income driven repayment plan SAVE in XX/XX/XXXX, expecting that by the time student loan payments were due in XXXX, my plan would be approved and I would be paying no interest due to my income. I was subsequently placed on an administrative forbearance due to the company being unable to handle the volume of applications. My application was finally approved in this month ( XX/XX/XXXX, five months later ) I have since accrued over {$8000.00} in interest, and this is growing daily. Even though my SAVE application was approved, for some reason my due date is in XX/XX/XXXX ( so interest is continuing to accrue ). 

I am of the understanding that interest should not have been accruing under the administrative forbearance ( as per the Department of Education ), so the interest accrued should be adjusted to {$0.00}. I am also of the understanding ( per the DOE ) that I should be getting credit for income-driven repayment forgiveness for each month spent in forbearance.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/2024 I initiated fund transfer from my XXXX saving account to my XXXX  XXXX XXXX account. The XXXX representative authenticated my identity by sending a code to my phone and initiated the transfer. I got a voicemail from XXXX on We use cookies to give users the best content XX/XX/XXXX, and called them back, the call couldnt be and online experience. 
complete. On XXXX, XXXX I saw my transfer was reversed. I called them, they stated that they were unable to identify my identity even though I provided my SSN and DL. I have access to my phone number and email address registered to the account and also verified the secret password to my account. They say they can not send a 2- factor authentication to my phone or my husbands phone. They are unable to resolve the the fund transfer and our holding my money because they dont want me to withdraw my money and transfer it to other bank.I urgently need my money for house closing and I told them I can provide any federal accepted identity document they may need. But, they denied my request and put me on a waiting period. I have all my life savings in the account which I need to buy a house.
Consumer complaint received 2024-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CAINE & WEINER or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that CAINE & WEINER placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with CAINE & WEINER, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that CAINE & WEINER provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CAINE & WEINER is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with CAINE & WEINER is blatantly false. I neither received any services or products from CAINE & WEINER nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that CAINE & WEINER is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of CAINE & WEINER constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate you attention.
Consumer complaint received 2024-04-15
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I requested PayPal refund the {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deposited to the " XXXX '' PayPal account on XX/XX/23. PayPal 's refund policy indicated there would be no charge for the refund. Instead of refunding the deposited money sitting in the PayPal account, PayPal withdrew money for the refund from the connected XXXX XXXX  account on XX/XX/23 and charged a {$280.00} fee. The XXXX deposit was not for a service provided to XXXX. It was a transfer of funds XXXX was holding for me. I contacted PayPal customer service and they refused to give back the fee. 

Since I did not accept the funds from XXXX which are still sitting in the PayPal account and did not authorize the withdrawal of money from the XXXX Bank account, PayPal should not have charged a fee. Furthermore, because the transaction from XXXX to the PayPal account is not associated with a good or service, no fee should have been charged.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

I would like to file a complaint against Target XXXX for two issues, not applying payments fast enough and processing auto payments for the account balance yet I have specified to pay off the Statement Balance only.

I have had this issue with Target for years and I've raised the issue with them, but nothing has changed and nothing will change, but it's unfair for them to take money out of my Bank account right away, but I have to wait for over two weeks for my available credit to be updated. 

For example, in the most recent incident, I had a statement balance of {$1500.00} that was due XX/XX/XXXX. On XX/XX/XXXX, I paid {$1200.00} towards my Statement balance, Target took out the funds out of my account right away on XX/XX/XXXX, however my available credit wasn't updated until XX/XX/XXXX or XXXX. And this has always been the case, where they take the money out of my account right away, but the payment is not applied fast enough and I have to wait for over two weeks to be able to use the credit.

Another issue I've had with my Target Credit Card is although I have specified that I want to pay off my Statement Balance monthly, if I make any payments towards the Statement Balance they then draft whatever my account balance is on the payment due date instead of the balance that's remaining on my Statement Balance. 

For example on XX/XX/XXXX, instead of them taking out the {$270.00} that was left of my XXXX XXXX, they took out {$420.00}, which was my full account balance, including balances incurred after the statement cutoff date. I was furious and called them & the explanation I was given is that if one is on auto pay & they make any payments towards their balance prior to the due date, then their system will automatically take out the full account balance. 
This is unacceptable and UNFAIR as I have asked to pay my Statement Balance only and not my full account balance. I asked Target to only keep {$270.00} that was what was due XX/XX/XXXX & refund the difference of {$140.00} as that amount is not due until XX/XX/XXXX. I was told they couldn't put the funds back into my account and that they will send me a check in the mail in about 10 days, and I was okay with that. 

However, I just logged into my Account today and discovered that what Target has done instead is reverse the entire {$420.00} payment they took out on XX/XX/XXXX. I will be LIVID if they charge me any interest or fees for the {$270.00} that was the remaining Statement Balance and due by XX/XX/XXXX. This is too much and Target hasn't been much help at all. I should be able to pay money towards my monthly statement balances without being punished or inconvenienced, please help.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

I am writing to bring to your attention a matter of utmost concern regarding my credit report. On XX/XX/XXXX, I received a notification from XXXX XXXX informing me of a new collection account on my credit report.The collection agency is identified as Jefferson Capital Systems, and the original creditor is listed as " XXXX XXXX '' The reported amount is {$2500.00}, and the account was allegedly opened on XX/XX/XXXX. 

Upon receiving this notification, I took immediate action to investigate the validity of this collection account. I contacted XXXX, as XXXX and XXXX merged in XX/XX/XXXX. XXXX informed me that they could not find any information regarding this collection account. The only record they could locate was a phone line I had with XXXX in XXXX, XXXX years ago. However, they confirmed that I canceled this account voluntarily to switch to XXXX XXXX XXXX with whom I have been a customer since then. 

To further clarify and resolve this matter, I visited the XXXX XXXX and spoke with a representative who attempted to contact the relevant parties to assist me. Unfortunately, they were unable to obtain any information related to the alleged collection account. 

In an effort to validate the legitimacy of the debt, I contacted Jefferson Capital Systems and requested proof of ownership and details about the debt in question. Regrettably, my experience with their representatives was less than satisfactory, as they were uncooperative, rude, and failed to provide any substantive answers. 

I want to emphasize that I have no knowledge of the collection account in question, and it is affecting my credit score adversely. I am concerned about the potential harm to my creditworthiness and financial standing due to this inaccurate and unverified information. 

I kindly request that you initiate an investigation into the legitimacy of the collection account reported by Jefferson Capital Systems on my credit report. I am confident that a thorough examination will reveal the inaccuracies and discrepancies in their reporting. I also request that you take the necessary steps to rectify this situation promptly and remove the unauthorized collection account from my credit report. 

Thank you for your assistance in rectifying this situation and preserving the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (MN)

I believe this {$5000.00} loan was made in my name or through my account, but not buy me instead the money it was used in approximately a month and a half to pay off a XXXX and a dominium and personal loan. Neither of which I had, I have a couple documents with a knee signature, but we can clearly see the e-signature doesnt even come close to being an acceptable or passing and impedes the time stanl
Consumer complaint received 2023-02-25
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)

I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I checked my credit and notice that there was a new card opened under my name for Capital One Banking Institution. I never opened a new account with them or applied for one. I only noticed it because it comes out in my credit report, and they ran my credit report causing it to go down.