davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Old debt, duplicate debt and the same comments continue to reappear on all 3 of my credit reports over the years. 

specifically the remark ( excessive delinquent payments ). This remark is very XXXX and untrue.I am requesting that this remark and other negative remarks that have been on my reports for 20 years be deleted from all of my credit reports immediately. 

Thank you
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

I made a water bill payment on XX/XX/23 for XXXX. Chime said that the merchant declined the payment. When I asked where the money went-because it has not been returned to my account, they said they couldnt see a transaction. I was transferred 3 or 4 times and had to explain the situation multiple times in each conversation because they were not trying to be helpful. They were going to transfer me again but I disconnected. One agent said it was on the merchant, but if my money went to them why wouldnt it show up in my account? And if it didnt go to them, where is my money?
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M & S FUNDING, INC. (CO)

They are refusing to help in any way. I was good on my payments until XXXX XXXX happened. And I was unable to work. They didn't work with me and ended up repossessing the vehicle. I made an attempt to pay them some of the past due one I got a job. But they wanted all the missed payments before they'd help. So the repossed ll the vehicle.
Consumer complaint received 2023-04-20
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. (PA)

Fraud Inquiries On All Three Credit Reports 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 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX savings account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. 

I received {$38.00} in interest income, as evidenced by my account statement from XXXX XXXX. This demonstrates my financial stability and ability to meet my repayment obligations. 

This is a trap designed by Wells Fargo, intending to deliberately harm consumers by abusing their position of trust, forcing them into paying exorbitant interest rates. It must be met with severe crackdowns and penalties! 

The bank 's insistence that this is my fault is unjustifiable. Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, XXXX
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Section 623 of the Fair Credit Reporting Act requires that a company provide documentation or the account must be deleted. This account was deleted and reinserted and I wasn't notified by letter within 5 days. Please delete this account.
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

A young lady called me stating that a company called XXXX associates have been trying to contact me to deliver a notice to serve. I called the number and a man answered stating legal action for a debt amount of {$8000.00} for a signature loan to Citibank. 

I have never owned or had any relationship with Citibank, I am not sure what this is about, the man stated the loan was taken out in XXXX  State, of which I have not lived in XXXX in over 6 years. 

The man stated that legal action has been taken against me, but no other information was provided. He stated that I would be served with papers to appear in XXXX  court. 

I live in XXXX and I am not sure what this means. I would like any help and assistance. 

Thank you
Consumer complaint received 2023-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am writing because XXXX is reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with the following creditors. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Capital OneXXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX CAP ONE N.A. XX/XX/XXXX
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I started loan repayment in XXXX of XXXX and am targeting PSLF. With the changes around COVID, I currently have XXXX payments. I have worked for a non-profit or not-for-profit since graduating from medical school in XXXX of XXXX. The " missing '' payments occurred from XXXX. There are 3 distinct time periods that should all be considered separately but, it would be easiest if it were possible to retroactively change the entire time period to a " hardship deferment ''. 

1 - I was accepted into a " full time '' online MBA program which started in XXXX of XXXX. However, I did not receive credit for payments for XX/XX/XXXX and XX/XX/XXXX and it is not clear to me why. 

2 - from XX/XX/XXXX to XX/XX/XXXX, I was indeed in a " full time '' online MBA program. However, I reached out to my servicer, Navient at the time, and requested to be taken off of deferment due to my ability to pay and my goals for PSLF. The representative at Navient told me that this could not be done and that my " payments '' would still count. Again, I was working for a PSFL eligible employer at this time. 

3 - On XX/XX/XXXX ( through XX/XX/XXXX ) I was in a residency program at a non-profit hospital. A hardship forbearance was requested sometime prior to this because my wife and I were struggling to make payments on her loans. However, with the legislation changes, I did not get any credit for the time which was considered a " hardship ''. 


As such, I would respectfully request to have the entirety of this period switched to a " hardship forbearance '' and thus eligible to be credited toward PSLF. If that is not possible, despite the misdirection by the servicer Navient, I would request that each time period be considered in its individuality. The timeframe in part 1 has no reason to not be included and its unclear to me why - perhaps an " administrative forbearance ''? The timeframe described in part 3 is a valid reason for " hardship forbearance '' and the servicer simply did not change me over as appropriate for the timeframe. 

Thanks in advance for any help you can provide in this area.
Consumer complaint received 2023-04-26
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: TD BANK US HOLDING COMPANY (MS)

td auto finance has violated my rights. TD auto finance has lied to myself and the cfpb about receiving a credit application from XXXX XXXX in XXXX XXXX XXXX I now have evidence from the dealership in question and other banks stating that they can not provide a copy of the credit application. now I have evidence of td auto finance in letterhead lying. if the cfpb allows this company to lie again, I will go the attorney generals office.
Consumer complaint received 2023-10-10
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. (NY)

On my experian credit report theirs is XXXX negative item that's a collection account called credit collection this negative item supposed to be removed from my experian credit report filed a federal trade commission identity theft report on file also their XXXX hard credit inquiries on my report those inquiries supposed to be removed from my experian credit report and regarding XXXX Credit report there's XXXX negative item that's XXXX  days late its a fraud account
Consumer complaint received 2023-09-22
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: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX Reporting Unauthorized Credit Inquiry To whom this XXXX concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

COMPANY DATE CREDIT BUREAU XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-04-16
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. (MD)

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. 

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 2023-10-10
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. (GA)

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.

has violated my rights. Or list of inquiries 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 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

In XXXX I made a purchase through a company based in the USA for an item shipped from the USA while living in the USA. Chase charged me a {$24.00} foreign transaction fee. I asked Chase if this was a mistake and whether it was possible to refund the fee but was told foreign transaction fees can not be reversed. There was likely a problem with the charge being made in a foreign currency and that I should contact the merchant. I asked if the merchant were to reverse the charge and charge me again in USD whether that fee could be reversed and I was told no. Ultimately, chase charged me a foreign transaction fee I did not consent to because I was unknowingly charged in another currency. I view this as a UDAAP violation because I was in the USA the entire time and had no way of knowing I would be charged this fee, and I have no way of consenting to the fee, or correcting/reversing this fee I did not consent to. I also view it as deceptive for a financial services company to claim a fee they assess can not be reversed even in an instance where a mistake was made that was not the fault of the consumer. Consumer harm is done when Chase is able to charge fees that are assessed based on an algorithm, with no pathway to challenge said fees, especially under circumstances where the consumer is not asked to consent to the fee prior to a transaction. If I withdraw money from an atm and incur a fee, I am asked for my consent. I do not understand how or why Chase can assess a foreign transaction fee without similar consent, especially given that the charge was made in the USA and the consumer would not be weary of a foreign transaction fee given the circumstances.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was denied a personal loan and creditcard with both saying that they could not identify me.I checked my credit report to find multiple mistakes.1.my name not spelled correctly.2 My date of birth was wrong.3.Physical address was wrong. the spelling of my first name was wrong.I sent all three bureaus a letter asking them to delete all incorrect information and remove these pulls from my credit report.I sent all three letters certified mail.
Consumer complaint received 2023-10-10
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-04
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2023-10-10
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

XXXX XXXX XXXX Section XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-09
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) Late payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My grandmother whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards
Consumer complaint received 2023-10-09
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) Late payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My XXXX  whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards