davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2023 I went to my bank to renew my certificate of deposit which matured on XX/XX/2023. I was given a seven day grace period for this activity. The bank gave me three options to choose one. The options were as follows : 1. Add funds to the account - higher balance may earn higher interest rates. 
2. Change the term - longer terms may earn higher interest rates.

3. Close the account.

I decided to change the term from three months to five months. However the bank staff decided to close the CD account and open another CD account without my consent. 
He gave me documents to sign without any explanation of what the documents were for. At no time did I discuss closing the CD account and opening another CD account which does not make sense unless the bank wants to deny me the interest accrued from XX/XX/2023 to XX/XX/2023.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NJ)

Barclays offered me a promotion to transfer a balance directly to my XXXX XXXX  account. This was requested on XX/XX/XXXX and shows posted on my account XX/XX/XXXX ; however the funds were never received. 
I called on the XXXX to confirm they had the correct routing and bank account number- which was confirmed to be correct. 
A week later, I still did not receive the deposit and called again and was told they would open a case [ ID XXXX ]. 
A week later, XX/XX/XXXX there is still no update and each time I call they transfer me to someone new. 
This balance is showing on my credit report and they can not give me any update as to where it went - nor will they remove it or put a temporary hold against it. 
This is a clear lack of controls and proper governance around client accounts. 
I need this resolved and the transfer removed.
Consumer complaint received 2023-09-06
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. (TN)

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX | XXXX Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Consumer complaint received 2023-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

On XX/XX/, I've started a mortgage loan pre approval process with XXXX XXXX Senior Loan Originator Inside Sales NMLS XXXX from Cardinal Financial. He went over my credit and process to get the loan to the approval stages. I finally got all of the documents needed submitted to the portal and was given a closing date of XX/XX/XXXX. As of XX/XX/XXXX the rate was locked in for 6 % which I found odd as the rates were much higher. On several occasions I've asked about the company running my credit and he assured that it was 90 days and it would be ran again.After he told me that it was final approval a closing date was set to XX/XX/XXXX. XXXX days before the closing date no one at Cardinal would answer the phone to get the final approval disclosure to them. A few of the reps went missing for weeks! The day of XX/XX/XXXX Cardinal reran my credit and then wrote another loan term. This was a nightmare for me and my family.
Consumer complaint received 2023-10-18
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: WELLS FARGO & COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just received another XXXX credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
Consumer complaint received 2023-10-18
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: Self Financial Inc. (OK)

I filed XXXX XXXX bankruptcy in XX/XX/XXXX, self, inc  was not part of that. In XX/XX/XXXX due to a divorce I converted it to a XXXX XXXX bankruptcy that was discharged XX/XX/XXXX of which self, inc was included. Self did close my account, but later opened it again, I sent self, inc, XXXX and XXXX paperwork of my XXXX XXXX discharge and they have refused to remove the 150 days late self, inc had reported me.i recently had to pay an extra XXXX dollar deposit for an apartment.This item needs to be removed from my credit files and monetary damages be levied against self, and XXXX and XXXX.
Consumer complaint received 2023-10-18
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: CITIBANK, N.A. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX and MACYS/CITIBANK, N.A. XXXX
Consumer complaint received 2022-02-24
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NJ)

XXXX XXXX transferred my student loan to Firstmark Trust Services using dated information. I moved and was not receiving any of the bills or statements from the company. Because of this, I missed a payment and now my credit score has been severely impacted. I called to try to fix the problem and the customer service agents had an attitude and were unhelpful. I have never missed a payment on anything in my life and I feel like I am being mistreated and taken advantage of.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (CA)

These Inquiries Hard do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Use date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 XXXXXXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/2018. 
XXXX XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023, I received a Venmo text alert at XXXX XXXX notifying me of a Venmo request amount of {$2700.00} from an unknown user " XXXX XXXX XXXX with the caption " Mystery but it's real. '' I then received another request amount of {$1800.00} at XXXX XXXX  from the same unknown user with the caption " Privilege to encounter you. '' Confused, i attempted to open the Venmo app but discovered i had been logged out. I contacted friends of mine to see if they could locate my account, but they could not, suggesting my account had been deleted immediately following these inbound requests. I called Venmo support who was able to verify my identity, restore my account, freeze my account, and identify that the {$2700.00} transaction had been sent to the unknown user ( but the {$1800.00} had not ). The payment was funded from my linked XXXX XXXX account. I then submitted a dispute for the {$2700.00} transaction to Venmo, which is currently ongoing and could take up to 10 business days. I then logged into my XXXX XXXX account and the transaction was in " pending '' status for the same {$2700.00} amount, debited from my checking account. I have submitted a claim to XXXX as well regarding this unauthorized transaction and await results. However, the amount has already been removed from my bank account. I am submitting this report here to have a written record of what occurred.
Consumer complaint received 2023-05-05
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: JPMORGAN CHASE & CO. (IL)

I checked my credit and there are multiple inquiries on there that I have no clue about I did not give consent to anyone or I did not authorize any of the inquiries
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP (TX)

I continue to receive collection calls from Cawley & Bergmann from XXXX in XXXX, Texas. They refuse to advise what the call is pertaining and I have never received any type of notification vial mail or any other venue of delivery from this agency, other than repeated calls.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (SC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX FORMLY KNOWN AS DRIVETIME ACCOUNT, 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.

15 U.SC CODE 1681 A- DEFINITIONS ; RULES OF CONSTRUCTIONS- EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ; 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN PLAN AS LATE FOR AND PURPOSE. 

THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
Consumer complaint received 2023-10-17
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: SANTANDER HOLDINGS USA, INC. (NY)

XXXX conspired with several companies to unlawfully report inquires that wasn't authorized by me ; CHRYSLER CAPITAL : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Hi, I cancelled a flight through Chase XXXX XXXX on XXXX XX/XX/2023. My ticket is fully refundable, and also cancelled within 24 hours of booking. But I haven't received the refund yet. I booked the flight through Chase XXXX XXXX. Cancellation was done by calling Chase agent. I received email saying that I will get full refund of {$640.00} within 5 days. But I haven't received the refund yet. I talked to Chase agent once, and they said to wait until 1st billing cycle. I called up Chase again after the 1st billing cycle, and now they told me wait until the 2nd billing cycle. It would be great if you can help to resolve the issue, and get me full refund from Chase. I am not sure if Chase is really trying to resolve this issue. 

I am attaching the Original Ticket and also the confirmation for cancellation and refund. Here are the trip details for your reference : Trip ID : XXXX XXXX to XXXX on XXXX XX/XX/2023 Number of passengers : 2 Ticket price : {$640.00} Thanks in advance. 

Regards, XXXX
Consumer complaint received 2023-05-05
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. (MI)

i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID
Consumer complaint received 2017-12-18
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. (TX)

I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2023-10-02
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. (CT)

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

In XX/XX/XXXX I sent a letter to snap on to validate a debt they are reporting on my credit. I sent the letter to the address that they provided to the credit reporting agencies, and the letter was returned for insufficient address. The FCRA prohibits furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. 
I sent all three Credit reporting agencies a letter and proof that the letter was returned and they took zero action and it's still reporting on my credit report. This is a huge FCRA violation and this account needs to be removed. 

Ive included all letters written including the letter that was returned for the second time In XX/XX/XXXX.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank A vendor erroneously charged card twice. {$25000.00} duplicate charge. To preserve account good standing, I paid both amounts. Vendor has since corrected and Chase took forever to reflect credit ( almost a week ) and is taking yet another week to process paperwork and claims they need yet another week to send a check ( 3 weeks of {$25000.00} of stolen money ). I will also report to Southwest who is the credit card partner.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CO)

Financed the remaining balance of my lease with XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX aka Chase show the balance paide off on XX/XX/2023. I was told that they needed a new copy of the odometer documentation. That was sent by XXXX. XXXX received " I filled out an online form of same. Did not hear anything else. Meanwhile, XXXX team reaches out to Chase multiple times but they refuse to discuss situation with them even though XXXX now owned the financing. I knew nothing of these conversations until my loan rate increase to 21 % as of XX/XX/2023. I contacted XXXX, contacted Chase. Visited the XXXX XXXX on XX/XX/XXXX and the branch XXXX printed out the entire loan package including an confirmed correct odometer reading. I took the package to XXXX that day and confirmed that it was signed for on XX/XX/XXXX. Expecting the title, I called and was told XXXX XXXX XXXX up to XXXX weeks. It was already XXXX weeks from receipt. Spoke to a supervisors, XXXX, ID XXXX and then XXXX ID XXXX. XXXX discovered that the title had still not been released because they did not have the Colorado Tax form. That had never been mentioned. Last week I got on the phone with Chase again with XXXX 's XXXX. She sent the Colorado XXXX for to XXXX and the title company. I called today and now they are waiting on the response from the CO XXXX XXXX. Meanwhile I wait with not XXXX. I need help.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

In 2014 while in the hospital recovering from XXXX, my now ex husband answered my cell phone. The person asked him if this was my number, and when he replied yes, they tomd him I would be getting information about a hearing for my student loans ( student loans that had been paid years before ). I sent certified proof of payments to XXXX Texas, Dept of Ed and I requested a phone trial. I never heard anything. However, my wages started being garnished. I contacted the Omsbudman, and nothing happened after I told them numerous times that my loans were paid. I just received information about fresh starting my student loans. I am a XXXX XXXX XXXX life time XXXX. The Department of Education claims that I owe XXXX dollars and never made any payments. I suspect this is because of fraud, poor record keeping, or some other reason. I do not want my wages garnished wrongfully based on these predatory student loan companies false information and reporting to the Department of Education. I have spent the last XXXX  years seeking help to get this wrong corrected. There is no student loan company in the XXXX that would let a person of my age NOT pay a student loan, so why the Department of Education continued to allow this to stand, as if there, were no payments ever made is criminal in my opinion. The Department of Education did not do an adequate investigation. They told me that XXXX payments were in the database and that I signed the fresh start paperwork. I explained to all involved that I only signed the paperwork to get the loan out of default because no action could be taken while the loan was in default. There has been no effort to contact, XXXX, IRS, or the XXXX to see that this loan was paid or even credit me with payments that were made. Now, they have started reporting this loan to the credit bureaus as a new loan due to the consolidation bringing my credit score down. The person assigned by the Department of Ed did an extremely poor job and still has not responded to my issues, yet closed the case.