davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/year>, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 49 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section XXXX ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 49 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

I received a letter dated XX/XX/XXXX, signed by Mr. XXXX XXXX, Wells Fargo Merchant Services, Executive Office, stating that my merchants account ( ending in XXXX ) was cancelled ( see attached ). His response was relating to former CFPB complaint number XXXX filed by me earlier in XX/XX/XXXX. Since then I have received multiple emails suggesting that my merchant account is still open with the latest dated XX/XX/XXXX ( see attached ).
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to you as a consumer, exercising my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). It has come to my attention that your agency has been reporting several inaccuracies on my credit report, which is a direct violation of my rights under the FCRA.

Specifically, I have identified more than six errors on my account, including but not limited to : Incorrect Account Number Misreported High Credit Erroneous Credit Limit Inaccurate Payment Status Incorrect Last Reported Date Inaccurate Date of Last Activity Misrepresented Date of Last Payment These errors are not only misleading but also damaging to my creditworthiness and overall financial standing. Furthermore, the presence of such inaccuracies is a clear violation of the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information ( 15 USC 1681a ( 3 ) ). 

I must emphasize that I have previously disputed inaccuracies with your bureau back in XX/XX/year>, indicating a troubling pattern of negligence in ensuring the accuracy of the information you report. It is disheartening to find that despite my previous attempts to rectify errors, they persist on my credit report. 

As a consumer, I demand that these erroneous items be promptly removed AND DELETED from my credit report in accordance with the FCRA. I expect your agency to conduct a thorough investigation into these discrepancies and take immediate action to remove the inaccuracies.

In addition to the FCRA violations cited above, I remind your agency of its obligations under other applicable consumer protection laws, including but not limited to : The Consumer Financial Protection Act ( CFPA ) Failure to address these violations and take appropriate action may result in further legal action being pursued against your agency.

Please provide me with written confirmation of the actions taken to permanently remove and delete these accounts.

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to rectify these violations and restore the accuracy of my credit report.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CO)

I sent a wire transfer from Ally Bank on XX/XX/XXXX and as of XX/XX/XXXX it is still not delivered, and the money is stuck in limbo with no explanation of when the money will arrive. I've made numerous phone calls every day to the bank who simply say it's in processing. All of their materials indicate there is a same-day weekday transfer of wires. They have only said that they are very short staffed and have too many wires to process. 

The bank is holding $ XXXX of my money with no explanation of when it will be delivered. I am currently in the middle of a car purchase transaction and I've never seen a wire take this long. Ally Bank has completely failed in their fiduciary responsibilities to me. They are still holding the money and won't provide any more information.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kaydem Enterprises LLC (NJ)

XX/XX/2022 I applied for lending with XXXX XXXX XXXX. I signed up for their service for {$3900.00}. XXXX XXXX  XXXX looked at my credit profile and determined I have two items on my report that needed to be removed. One debt collection that has a XXXX balance yet is showing on my report. The other is from a company that I am part of a class action suit with. XXXX XXXX  XXXX has a relationship with XXXX XXXX XXXX and recommeded this company. I paid an additional fee for XXXX XXXX. I have had a 1 year membership with both companies. I have paid for membership, credit repair and credit monitoring. I asked both XXXX XXXX  XXXX and XXXX XXXX if I should pay off the item with a balance to get it removed. Both companies assured me that XXXX XXXX is able to remove the items from my credit report. It is almost 1 year later and XXXX XXXX has been unable to remove the items. In addition, XXXX XXXX has said even if I pay the company with the class action law suit ; the information will not be removed from my credit profile. I have been mislead by both companies. I am also told that because of these items I do not qualify for funding.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/2024, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 49 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 49 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (LA)

According to the 15 U.S.C 1681 law, there should be no damages on my report. I am in the process of buying a house and this is a defamation of my character.
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX is alleging I owe them a debt I do not. The debt has been canceled with the IRS and reported as income. XXXX XXXX XXXX can not collect on a canceled debt this is federal law furthermore I have no obligation to pay this debt and they need a court order to get me to pay.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (TX)

I was denied a modification on numerous requests. The modification would be granted and revoked days later. I paid towards a modification but the house was put into foreclosure and my family had to move.
Consumer complaint received 2023-12-19
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. (FL)

I NEVER USE MY INFORMATION OR PROVIDE MY INFORMATION TO ANY OF THIS COMPANYS I DISPUTE ALREADY ON MY CREDIT BUROS BUT STILL REPORTING SOME OF THEM i request help to investigate. i also notice that are auto financing companys and i dont have any valid driver license i demand must be delete from my credit report since i dont reconized any of this hard inquirys XXXX inquiry date XX/XX/2022 Business type XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX XXXX inquiRY date XX/XX/2022 Business type XXXX XXXX XXXX XXXX  Companies Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 Business type XXXX XXXX XXXX  Contact info Address XXXX XXXX XXXX XXXXXXXX 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 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 2024-04-28
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ; XX/XX/2023 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ID)

I have an Amazon credit card through Synchrony Credit Card since XXXX  and I always check my latest transactions to see if there's any fraud or any issues with my account. I decided to check my statement on the month of XXXX and noticed a " Payment Security '' charge for around ~ {$5.00}. I checked my previous statements and they all have " Payment Security '' ranging from ~ $ 5-~ {$20.00}. I did research about payment security and it's Synchrony Banks way of charging a monthly fee for " debt collection. '' I have been employed for the last XXXX  years and never needed debt collection nor did I know about htis. After further review on similar complaints, Synchrony sneaked this into their contract as an opt-out feature and scammed thousands of people. I looked into my statements and Synchrony Credit Card charged me thousands in " Payment Security '' that I will never get back. 

I contacted Synchrony after hearing this and the representative easily opted me out and gave me a refund of ~ {$47.00} but I demanded a refund for all those months and years they charged me on a service I didn't need or know about. She escalated this information and I received a letter that I will not get refunded for the previous years. 

Synchrony Credit Card is a scam and I will never do business with them or any businesses that uses their services.
Consumer complaint received 2024-04-28
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. (GA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-26
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. (IL)

PLEASE BLOCKED AND REMOVED I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NV)

XX/XX/2024 I delivered an application to CBNA servicer and they were supposed to transfer the application to the correct intermediary and I was to be credited the amount I was approved for. Instead I recieved nothing in return and was left in acquiescence for over 2 months. I have emailed the XXXX XXXX XXXX XXXX of my issue with this servicer and will sue the Trustee for securities fraud and negligence of fidicuary duty if no action to remedy this issue, then I will be prompt to move forward with my complaint with this servicer as I am aware they have no rights in this transaction.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024 I called Bank of America XXXX at XXXX to solve a charge for {$18.00}. I had ordered something from the merchant but I wanted to return it and the merchant never provided the label after 10 days of waiting. I called the bank and XXXX  answered the call and she was very snappy and defensive when I asked her what call center she was located at. She had mentioned Arizona but refused to answer any questions I asked. She disregarded anything I said so I requested to speak to a supervisor and she put me on hold and ultimately hung up the phone at XXXX on XX/XX/2024. I hope calls are recorded and you are able to listen to the call and fire this individual. Customers don't mean anything it seems to me. Is only important what the rep in this case XXXX had to say and if you asked her something she got upset. She told me we have to keep this professional without me even saying anything unprofessional. She was defensive from the start. After XXXX hanging up the call I called back and spoke with XXXX at XXXX from Delaware and he handled my dispute for the wrong item received from the merchant. I have had issues with these type of reps in the past at Bank of America and it just keeps getting worse with time. XXXX handled my claim but XXXX  needs work and no rep should be hanging up the phone on customers or doing any on job tricks so they hide their tracks.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

recently i checked my experian credit profile and noticed Experian has merged my profile with someone else 's with a similar first and last name. I've requested Experian to remove that name from my profile, but they refuse, i requested to have one name, one address and one date of birth on my profile but i was told by experian customer service it cant be done. I have been a victim of identity theft and do not want a similar name or variations on my credit profile. my social security, my birth certificate and my state issued id only has my born birth name.