davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX I got an email from Wells Fargo stating I added a " XXXX '' ( XXXX ) to my XXXX contacts. I go to call them on the number they gave in the email in case it is not me authorizing that action, and I receive a call from the same number. I answered, they asked if I was who I was, and told me they were on a recorded line saying that they had some transactions being made that didn't look like me. And confirmed they were not me. He asked me to confirm my phone number, which I did, then told me was going to place a hold on my account and put in a fraud case. The call ended then minutes later I got another email saying I sent {$980.00} to " XXXX '' and that the charge was under review. I called back immediately since most of my money was in my savings then moved to checking and taken out completely and sent to " XXXX. '' They told me they didn't see that someone placed a case for me and that they would place and freeze my account before it was verified. After that call, I got an email saying they froze my card and a notification on my bank mobile app that the contact information was all changed. I got kicked out of my bank mobile app and called Wells Fargo again. They told me the transaction was already made and that they needed to connect me to customer service to add my information again. After the expected waiting period, I called back and the bank told me I was the one who authorized the transaction and they closed the case. I asked to speak to a supervisor to re-open. The supervisor was very arrogant and kept insisting he couldn't give me information on my case and couldn't reopen my case. I then placed an XXXX complaint and never heard back after about XXXX and a half weeks. They denied my complaint and do not want to give me my money back, I have been a member with them since XXXX and Wells Fargo did not take the proper actions to avoid this fraudulent transaction and failed to return my money after I provided proof they sent me that I was getting hacked.
Consumer complaint received 2022-11-23
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. (AL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-29
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802
Consumer complaint received 2023-03-16
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: National Credit Adjusters, LLC (SC)

In accordance with the fair credit Reporting act the companies has violated my rights. 
154 USC 1681 Section 602 States I have the right t privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-23
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: Exeter Finance, LLC. (IL)

THERE WAS A ERROR WITH A LATE PAYMENT IN XXXX AND XXXX OF 2020. BOTH MONTHS WERE MADE ON TIME RESULTING IN A LATE PAYMENT ON MY CREDIT REPORT. PLEASE CONTACT THE CREDIT BUREAUS AND UPDATE THIS INFORMATION.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VW Credit, Inc (FL)

I believe VW is not only teaching but implementing some shady practices when it comes to leasing and getting payoff quotes... My last two leases with VW were a nightmare. 
in XXXX I returned a lease on a XXXX XXXX that had a National recall and I could not buy nor sell the car. All i could do is hand it in ( according to the VW representatives in person and over the phone ). 
I have documentation showing that VW DID RESALE my leased car and they made a substantial profit .... I know this was going to happen and I got ahead of it. I called Volkswagen and explained to them that I used to sell cars and I took really good care of this XXXX with the hopes of making XXXX XXXX once i sold it .... but that was no option and the dealership turned around and sold it for a profit of ( TOTAL SURPLUS** ) {$2100.00}. 
We made a stink about this with both VW credit and with representatives at both XXXX ' and XXXX ' VW ... XXXX would not hear me out. I went into XXXX VW last week to see if we could make a deal on a used XXXX and to make me feel better about the purchase... I could overhear the Sales Manager saying 'not so nice things ' about me and wrote up a deal that only helped one party out in a very unfortunate circumstance. 
Recently, my daughter was diagnosed with XXXX. We always knew she was autistic but the state of Florida would not help with her development until we got her evaluated ... long story short, MY DAUGHTER COULD HAVE REALLY USED THAT MONEY FOR HER XXXX LESSONS. 

I understand that a car dealership needs to make their money... i get that!!! but this situation was brutally abusive and when a customer has the credit score to allow them to get a lease with those 5 options to buy, sell, trade, refi, lump sum amortize with no penalty etc ... and take two of those options away from the consumer who took really good care of said product, that is a problem. 

On my new lease that was just traded in... i got a bill back for almost {$1000.00} for disposition and excess mileage ( i was over by XXXX and they want to charge me almost {$600.00} )... so, what is the solution? I pay you the XXXX XXXX  and you pay me the balance that you owe to me of just over {$1100.00}? 

I work in sales. I have my whole life. But this is not sales or transactional... it is criminal. 

thank you for your time and consideration in resolving this.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

Dear CFPB, I am writing to file a complaint against Chase Bank for unjust retaliatory actions! 

Despite having the exact repayment amount linked to my repayment bank, Chase intentionally set up unsuccessful repayments, resulting in charges of over {$5.00} in interest fees. 

Today, I made multiple attempts to contact them, with wait times exceeding XXXX minutes each time. Whats even more outrageous is during the third attempt, they answered the call at XXXX XXXX, quickly claimed XXXX times that they couldnt hear my voice, and promptly hung up. 

I am filing this complaint against Chase for their disgraceful retaliatory behavior and simultaneously requesting an immediate refund of the interest fees! 

Sincerely, XXXX
Consumer complaint received 2023-12-05
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

The Department of Education student loans were managed by Nelnet. Those loans were paid and transferred to XXXX. Now, both Nelnet loans and XXXX loans are listed on my credit reports. I disputed the inaccuracies with XXXX twice and the company continues to list Nelnet as open. I also included copies of the paid off account statement from Nelnet 's website to XXXX. 

It appears to creditors that I have {$360000.00} in student loan debt when I only have {$180000.00}.
Consumer complaint received 2023-04-07
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: CLGF Holdco 1, LLC (FL)

In accordance with the fair credit reporting act XXXX  Account # # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer REPORTING AGENCY CAN NOT Furnish an account without my written instructions.

15USC 1666B : a creditor may not treat a payment on an credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms.

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting.

I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-10
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: DISCOVER BANK (NY)

Discover Obtained a copy of my XXXX Credit Report without my written or verbal permission. 
Below is the inquiry I would like to have permanently removed : 1. DISCOVER FINANCIAL SER - DATE : XX/XX/2023 XXXX. XX/XX/2023
Consumer complaint received 2023-09-22
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (FL)

In XX/XX/XXXXXXXX  we received an Escrow Analysis from Freedom Mortgage detailing the new payment amount staring XX/XX/XXXX. The new payment amount was supposed to be {$2100.00}. This amount included a forced insurance premium in the amount of {$560.00}. We immediately submitted the proof of insurance for the property which had been in effect since XX/XX/XXXXXXXX  and it is still active. Sunsequently we received a letter from Freedom Mortgage dated XX/XX/XXXXXXXX  advising us that the account had been credited with {$5600.00} and that we would receive, via separate cover, an updated Escrow analysis with the new payment amount. As of today, this new analysis has not been received. 
We sent the XXXX payment via US Postal Service to the address where they collect overnight payments. We paid {$1700.00} instead of the {$2100.00} because we no longer had to pay the forced insurance that had been placed on the property. The check was cashed by Freedom Mortgage on XXXX 
As of this date Freedom Mortgage insists that we are delinquent on our account and they also insist that to avoid further legal action we need to pay XXXX and XXXX for a total of {$4300.00}. I have reached out to them in writing and telephone but no resolution. I have proof of all the above issues. We would like this resolved before any legal action is taken. Your assistance is appreciated and at this time I think you are the hope we have of resolving ths issue.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the XXXX of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-29
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. (FL)

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-09-22
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I applied for a loan online, and the company did something fraudulent with my bank account. Nonetheless I never owed the bank any amount of money, but they have for the last 4 and a half years put on my ChexSystems report that I conducted fraudulent activity. Now Im unable to open another account. My intention was never fraud, and when I called the bank they were also able to tell me that the people who had done the fraud on my account was located in another country. So I contacted the bank, XXXX  XXXX XXXX and they stated that because I gave them my information I have to held liable, people apply for loans every day. Its not fair that they are treating me as if fraud was my intention. Also it states in my report that any money owed has been paid, but thats not accurate because I never owed the bank anything.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

My Apple card was blocked in XX/XX/. And this also caused my Apple Savings account restricted. It has been almost three months. I have been calling customer support multiple times and asking to get the restriction removed. However, they couldn't even tell me why my account was restricted and when it would be resolved.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :