davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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. (TX)

on XX/XX/2023 i sent out a dispute letter for inaccurate accounts that had been reporting on my credit report, some accounts are duplicates with diff account balances and alot of inaccurate reporting from all three credit reporting agencies, i sent out proof of my identity drivers license, mail from home address, last 4 digits from ss # on dispute letter, and XXXX sent me a letter past 30 days stating the dispute letter wasn't from me, Experian and XXXX have not reached out to me not even one time in 90 days and my first dispute letter in XX/XX/2023 they are clearly neglecting my right to challenge anything i believe is not accurate on my credit file and violating my consumer rights and also being uncompliant with FCRA and METRO 2 COMPLIANCE GUIDELINES, this agency has put stress, frustration and XXXX to my life because of there wrong doings, which has put my financial status in jeopardy to move forward in life, ive listed a few violations below, but not limited to all that apply to my credit profile, i have attached some documents with this compliant as well with certified mail reciept. 

( 1 ) 15 U.S. Code 1681s2 ( a ) Reporting Information with actual knowledge of errors 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. 

( 2 ) 15 U.S. Code 1681s-2 ( b ) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact inaccurate ( 3 ) FCRA 623 ( a ) ( 3 ) Duty of furnishers to provide notice of dispute If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute ( 4 ) FDCPA 807 ( 8 ) False or misleading representations Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 5 ) 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2023-07-10
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

XX/XX/23 I paid off my bill by phone. I received a confirmation number that the payment was received, I received a confirmation number and the system stated that my balance was now XXXX. On XX/XX/23 I went to the XXXX store to make a purchase and attempted to pay with my XXXX card and the transaction was denied. I called the card company and found out that my prior balance that I though was paid off was still on the card with an additional {$30.00} amount on my balance. I called the company and they told me that my payment in XXXX did not go through as they were unable to locate the account and that the additional {$30.00} was a returned check fee. They did remove the {$30.00} bringing my balance back to the original amount that I tried to pay in XXXX, but because my payment due date was XXXX and I am now making a payment XX/XX/23, I would be charged a {$30.00} late fee for the month of XXXX, however it was unbeknownst to me that I even had a balance as I paid it off in XXXX. With regards to the payment not going through, they told me that they could not locate the account that I paid them through, however as stated above, their automated system provided me with a confirmation number and stated that my balance is now XXXX. I paid off the bill, including the " late '' fee of {$30.00} for XXXX just so I could close the account and not have anymore liability with this company.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

I call the company and XXXX 50 time to advise the account is showing late on my credit report for the company XXXX XXXX. I did do any business with this company. 2 CommenityCB? XXXX this account was open XX/XX/ I never did business with this company for the past 8 year I AM CALLING XXXX AND LKET THEM KNOW THIS ACCOIUNT WAS AN IDENTIFY THIEF UNDER MY NAME
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (AZ)

I purchased a XXXX XXXX from XXXX in XX/XX/XXXX under XXXX XXXX. In XX/XX/XXXX, the motherboard stopped working. I called XXXX and they told me the device was still under warranty so it could be returned/exchanged. They offered me an upgrade to an XXXX as long as I paid the difference. I paid this balance in XXXX also. However, XXXX never credited the XXXX XXXX account. They claim it was a new purchase when it was not. The XXXX was under warranty and it was a return. Please help. I still show a balance with XXXX XXXX and I should not.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX  and XXXX and they still said that I was verified, but it wrong because I the open dates also the card limit
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (HI)

On XX/XX/2023, I used the Webster Bank website XXXX XXXX XXXX  to apply for an online savings account. After entering the requested information, the application was approved and a page was displayed asking me to fund my new account. 

This page provided two options to fund the account : 1 ) ACH Transfer 2 ) Scan a QR code When I selected the ACH transfer option, I entered the requested information and tried to complete the transaction, but received a red error code at the top of the page stating that the transaction was not completed. After several attempts to enter the ACH informationnwere not successful, I scanned the QR code provided at XXXX XXXX XXXX  to fund the account. This transaction WAS successful, and the {$210000.00} was sent and cleared by XXXX  XXXX XXXX on XX/XX/2023. 

However, the money is being now held by XXXX and Webster Bank for no legitimate reason- except to defraud me of interest. Every day they keep my stolen deposit they earn about {$31.00} in interest. 

Webster Bank and XXXX are engaging in fraud. The Webster Bank website is purposefully designed to trap consumers into using an unnecessary third party " transfer service '' called XXXX. XXXX  holds the money longer than necessary before transferring it, while earning interest that the consumer should have received on their deposit at the destination bank. 

I have provided proof of the deposit at XXXX  XXXX XXXX, and proof that the money has not been deposited to the destination account. 

I ask for return of the stolen money and interest immediately, and redesign of the " consumer trap '' website, which deceptively, fraudulently, and without any value to the consumer whatsoever, coerces them into using this unnecessary third party service.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (MI)

I have already made a complaint to the CFPB about this company reporting my payment history incorrectly and even after multiple calls they still insisted that the reporting was correct but yet admitted after a CFPB investigation that there was a tech issue and thats why it was not reporting correctly. They corrected the improperly reported on one credit bureau but have yet to do so on the other ones. Now, they are reporting my XXXX payment as XXXX  days late which was never late. I have had the same automatic payment set up with them since XXXX, when I started their program to help cut my payment as I have been facing financial distress. When I called to ask for an explanation as to why they were reporting my XXXX payment as XXXX  days late ( even though it wasnt ). I was told my automatic payment was set up wrong and thats why it was reporting late. I have not changed the automatic payment and it is an automatic payment that they set up for me. There has been no change whatsoever and even if it suddenly is wrong the payment couldnt be anywhere near 30 days late. I dont understand how I have the same automatic payment date set up from the beginning of enrolling in this program and now all of a sudden the payment date is late without being informed the date was changing or why they didnt bother changing the automatic payment they set up. I am providing a list of my processed payments from Best Eggs website as well as a list of my processed payments from my bank account at XXXX. As you can see, the date is exactly the same for every month except for my XXXX payment which was paid a little late due to my financial situation but wasnt reported as late. This is confusing considering their current response to my complaint I have made with them about my XXXX payment.
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

I received a collection letter for emergency room services from XXXX XXXX  XXXX ( XXXX XXXX was the ER I visited ). I immediately called because my insurance company XXXX had already paid it. The doctor acknowledged getting paid but states they didnt receive an Explanation of Benefits so they couldnt verify they got paid enough. I brought my insurance company on the line and they confirmed an EOB was sent and verified the address. The doctors office said their addresses had changed so they didnt get it. XXXX stated the doctors office never updated their address with XXXX. XXXX sent a copy of the EOB to the doctors office again. I had spent over two hours on the phone with the doctors office this day. A month or so later, the debt was reported as a collection to my credit. My EOB clearly shows a patient responsibility of {$0.00}. Under XXXX rules, any provider who accepts them agrees their payout is final and patients can not be billed the difference so theres nothing left for them to verify. They got paid.
Consumer complaint received 2023-11-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (AL)

I initially made a purchase for XXXX XXXX XXXX on XX/XX/XXXX for {$160.00}. On XX/XX/XXXX my ordered was cancelled by the merchant. I filed a dispute with chime bank. My dispute was denied several times starting on XX/XX/XXXX. I have all the evidence needed. I contacted the Chime Dispute Supervisor XXXX, she stated that the evidence provided was sufficient and even after this my dispute was wrongfully denied. I was provided the evidence submitted by the merchant stating that were never contacted about this issue and I also have evidence that this is false as they have responded to my emails. You will see that my email sent on XX/XX/XXXX was responded to on the same day by the merchants automated email. I am filing this complaint to get some resolve.
Consumer complaint received 2023-06-03
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. (GA)

I filed a dispute with Equifax, and they refuse to verify the dispute with the XXXX XXXX XXXX with a live speaking employee of the company they want use a date software. My Both of my XXXX XXXX XXXX XXXX cards are paid off with a XXXX balance and they are showing a balance on both cards that's untrue and damaging my credit score. I have provided the proof and they still will not fix my credit are score and this is the third time I have dispute this. 

This is violation of the fair credit act, and they need to be fined a {$1000.00}.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : BXXXX XXXX XXXXXXXX Filed on XX/XX/2019 Reference number XXXX XXXX, XXXX XXXX XXXXXXXX Filed on XXXX XXXX, 2019 Reference number : XXXX
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding a recent transaction with XXXX XXXX in XXXX, Texas, involving the purchase of a hot tub through a merchants purchasing agreement with Wells Fargo. I was not informed that this transaction would result in the issuance of a new credit card. I was led to believe that Wells Fargo was a guarantor of a loan. 

Upon receiving a new Wells Fargo credit card in the mail, I immediately contacted the salesman who handled the transaction. He expressed surprise and stated he was unaware that the agreement required opening a new credit card account ( which negatively affects credit scores ). He further verified with his accounting department, who confirmed that the Wells Fargo account involved was not classified as a credit card. However, my subsequent conversation with Wells Fargo confirmed that a new credit card account had indeed been opened in my name. 

I relayed my dissatisfaction to the salesman, who assured me he would inform his colleagues about the issue. Despite this, I am still deeply concerned about the lack of transparency and the misleading information provided during the transaction. 

I request your assistance in investigating this matter and ensuring that such practices are addressed to prevent future occurrences. 

Thank you for your attention to this issue. 

Sincerely,
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (WA)

I am a victim of Identity Theft. First I found out it in XX/XX/XXXX. I filed report to Federal Trade Commision and XXXX Police Department. On XX/XX/XXXX I placed Initial Fraud Alert to all 3 major Credit Bureaus ( XXXX, XXXX, XXXX ). 

On XX/XX/XXXX I got a notification from XXXX that APPLE CARD/GS BANK USA reported a new account. I never had XXXX device and didn't open Apple Card account. Also Apple Card never contacted me to ensure that I am opening new account nevertheless I had XXXX XXXX on my credit report. 

Immediately I reported to Federal Trade Commission and local XXXX Police Department. Then I contacted Apple Card support hotline ( XXXX ) and filed dispute about fraudulent account. I mailed all supporting documents as long as FTC and police report. 

On XX/XX/XXXX I got a notification from XXXX that Apple Card have {$23000.00} balance. I was shocked. I called again and was told I need to wait investigation results. 
After several weeks I called to Apple Card support again and found out dispute was closed not in my favor. I didn't get results of investigation by email nor mail. Support representative can not help me to get results of investigation and suggested to open dispute again. 
Now it is almost 8 months I am trying to get rid of Fraud account and several disputes was opened and closed without any success. 

Please help me to close the fraudulent account and remove it from my credit report. I am attaching all agency reports and my identity documents.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In accordance with the fair credit reporting act, this creditor, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (CO)

At XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023, my sister received a a call from an Unknown Name caller ( XXXX ). The caller claimed to be from Chase Bank, and wished to talk to her, she was unavailable. He claimed to have received a credit card application from someone in XXXX, North Carolina. He was trying to verify that the application was from my sister. I informed him that he should report this to a credit reporting agency. I was not confident that he had or that he would report this. I told him to cancel the card that he said was on hold. I had no confidence that he would do that. This conversation went on for 33 minutes. He got angry at my responses, and claimed he was cancelling all credit cards in my sister 's name from disparate issuing banks. I requested that they send a letter detailing the fraudulent application for credit in another state, but he declined. I requested to talk to his supervisor, he said he did not have a supervisor, so none could be placed on the call. Finally he dropped the XXXX and terminated the call. 
At XXXX on XXXX XX/XX/2023, I received another call from JPMorgan Chase XXXX XXXX ) from the above agent. He continued to persist in trying to talk to my sister. After he failed to get me to put my sister on the line, he asked if I wanted to speak to his supervisor. He transferred my his supervisor. I had no confidence that the supervisor has someone other than the agent using another voice. I told the supervisor that the agent was " persistently abusive '' and " used foul language ''. The supervisor hung up. 

Calls from Chase bank about fraudulent applications for credit cards has been ongoing to my sister 's number for several months. In the Caller ID log for the phone is another call from JPMorgan Chase ( XXXX ) at XXXXXXXX XXXX on XXXX XX/XX/2023. Preceded by XXXX calls from a Toll Free caller ( XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if these XXXX calls were from JPMorgan Chase or not, but I suspect they were based on prior experience with these callers. Another set of calls were recorded on XXXX XXXX XXXX at XXXXXXXX XXXX and XXXX XXXX I have confirmed with my sister that these calls are fraudulent.