davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

Our household has been reduced to one income causing me to have to pay what I can when I can. So with one main financial I explained to them that I can make the payments just not all at once but within the due month, Weekly One Main Financial calls me with threats and demands that I pay on time or get hit with {$3.00} plus daily late fees. They are rude, demanding, threatening and disrespectful. They only want their money on the date due or they'll harass you until it is.
Consumer complaint received 2023-12-30
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)

I had recently contacted all three major credit agencies. Equifax, XXXX, and XXXX. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX
Consumer complaint received 2024-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (NJ)

On XX/XX/XXXX I placed 2 trades on robin hood, the next day placed another, and continued to watch, 2-3 days went by and I noticed a yellow message that said my account was placed under restriction. I still had access of selling my trades but couldn't place any in the future and still had no reason of why this happened. I waited a couple days as the yellow message said something along the lines of saying my account access will be revised by the XXXX. I continued to wait until the XXXX, logged onto robin hood and my account still had the message and couldn't do anything. At this point after waiting and sitting around I tried to follow through and take action. I submitted documents that robin hood asked for being an actual proof of id and a selfie id. This was extremely annoying as I was told multiple times my id was incorrect but finally it went through. This all took place on the XXXX of XXXX. I now waited after submitting my documents and the yellow restriction message didn't disappear it changed to revising your documents. Waited a day or so and it told me I need to take action again and submit a selfie id and government id. So I called customer service, first being put on the line with someone that was difficult to understand, but clear enough. I explained my situation and she was unable to give me any information of that. I blatantly asked why my account was restricted and she responded with I can't tell you that XXXX XXXX. She walked me through the steps of submitting the documents again. To shorten this we did this about 3 times and then it led to her saying she will submit these to her support team and I will hear back and hung up the phone quickly. I waited a couple days and nothing happened again, so I set up another customer service call, going through the same steps same questions and same answers. I asked for reason, someone with more power and all they said was we can't do anything. Both of these phone calls lasted up to about 30 minutes as I continously tried to understand what was happening, but I got absolutely nothing. I have about {$500.00} locked into an account of no reason why or what Is happening.
Consumer complaint received 2024-03-27
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. (CA)

I am reaching out to formally notify you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. Following the steps advised by the companies involved, I have directly contacted each of them and initiated the necessary procedures. Additionally, I have filed an identity theft report with the XXXX. I am now formally disputing the information contained within these accounts and kindly request your assistance in resolving this matter. Thank you for your attention to this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a check from my brother in law it was drawn on Chase, and my account is also with Chase. The check cleared his account same day. They put a 3 day hold on my funds, and then released them and the restricted my account and won't let me use my funds. When I call they say they have to call him to verify the funds, and they use a third party to do this, and they have no listing of him, and they don't have any information of how he can call to give his number. Chase has his direct phone number on his accunt, why would they need to use a third party. I am reading a lot of these issues and then chase closing the account.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have two opened accounts in collections both of them are wrong and are affecting my credit score : XXXX-MIDLAND CREDIT {$300.00} XXXX XXXX {$560.00} This creditors are calling me everyday and this accounts shouldnt be on my credit report. Im reporting them as fraud.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (CA)

My wife opened a Barclays Credit Card that subsequently put a restriction on our 3 Barclays Joint Savings Accounts. 

This required verification documentation. This was sent to Barclays on XX/XX/XXXX via the fax number provided and was received by Barclays. 

Despite 10 outbound calls on the days listed below to try and resolve, it has still not been resolved, and I have not been provided with any additional direction of what I need to provide or a timeline for resolution as of XX/XX/XXXX ( over a month ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This means that my funds are completely frozen and restricting my ability to pay any bills. I have no way of escalating to close my account due to a complaint.
Consumer complaint received 2024-03-27
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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-31
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: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX we submitted a claim against XXXX XXXX XXXX XXXXXXXX XXXX for a demand for refund which was promissed to us, which was well within the 60 days for ELECTRONIC FUNDS TRANSFER ACT. 

Chase did not even review any of the information we sent over denied our claim but we then reapplied to reopen the claim, as they submitted our initial response incorrectly. the information we supplied them with was receipts from the purchase, proof of refund receipts from the company complaints with the State attorney general of new jersey and FTC fraud complaints in the amount of XXXX for the claim. all screens shots of conversations. 

Chase bank now has wasted over 9 months denying me my rights and now I am in a position where I'm entitled to damages, and being discriminated against, and I'm now entitled to pecuniary damages since the account never settled, this is extremely distressing and im going through extreme mental anguish for almost a YEAR with this ordeal, non- of the agents or chase have assisted in resolving this matter they are simply stating we are at fault, and with this Accusation this is defamation and we are still waiting 15 days after our last response with chase 3-4 hours on the phone to no avail. 

This is a clear violation of my CONSUMER RIGHTS and I will seek damages for chases unwillingness to resolve this immediately. 

They are failing in there fiduciary duties to protect me the consumer against such fraud, and has shown a pattern of non-compliance for over 9 months of non-response, and dishonoring my claim and me. 





from STATE ATTORNEY GENERAL From : XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : Requested information. 



From : XXXX XXXX XXXX Date : Tuesday, XX/XX/XXXX at XXXX XXXX  To : XXXX XXXX Subject : Refund for Passed Challenge XX/XX/XXXX Hello XXXX, My account qualifies for refund, as stated from XXXX chat, let me know If I need to pull up the chat history. 

XXXX bought after XXXX did not qualify XXXX bought Before qualified, as was stated by your administrative team. 

I passed my account not a third passing service and would like to have this amount refunded to my account within a reasonable time frame. 

Ive attached the following requested information needed to process refund to my credit card. 
Thank you
Consumer complaint received 2024-03-27
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. (CT)

I am deeply dismayed by the recent credit report I received. The errors are egregious and have spiraled out of control. It's astonishing that governmental regulations permit such blatant mistakes that have such detrimental effects on individuals. If prompt and accurate action is not taken in response to this letter, I am fully prepared to hold you accountable for your poor reporting practices. 

I am baffled as to where you obtained the following accounts, as they have no place on my file. They must be promptly removed without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WI)

On XX/XX/2023 I contacted Citi bank credit card to set payment arrangements after I was XXXX  and XXXX XXXX XXXX. They agreed to do the payment arrangements of {$300.00} dollars a total of 5 payments. We agreed on it I received my confirmation letter for payments I went online to make my first payment and could not do it by the app online. I called them and spoke to a representative who took my payment over the phone. A few weeks later I get a call saying my payment was returned I said no not possible they read the information the prior representative who made arrangements had the incorrect information. I gave them the correct information for my bank and the first payment was withdrawn from my bank. I had to call back to make the following payment. When I called Citi Bank representative said my credit card was closed I asked to speak to a super and no one could give me an answer other than to wait for a letter. Citi Bank had a breach of contract after arrangements were made by both parties me and City Bank.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

To Whom It May Concern, Credit Acceptance Corportation, who controls my car loan, has reported missing payments after a repossession in XXXX of XXXX. I have a payment arrangement made with said company after the repossession fees were paid off. All of the payments per the payment arrangement have been made on time or early since XXXX of XXXX of XXXX. 

On my credit report Credit Acceptance Corportation has reported no payments have been made towards this loan since XXXX of XXXX, which is incorrect as payments have been made on time or early since XX/XX/XXXX. 

I have contacted said company and disputed this on my credit report multiple times, with no resolution offered. This is defamation of my character and credit worthiness, and I would like this resolved so XXXX XXXX, XXXX, and other credit reporting agencies can correct this information and update my account so I can purchase a home.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
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 (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER 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
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

Per 16 313.15 Other exceptions to notice and opt out requirements.

( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2023-09-01
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 (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER 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 2023-09-01
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: OPORTUN FINANCIAL CORPORATION (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 OPORTUN/PROGRE XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. ()

XX/XX/XXXX - My Auto-pay is set up. 
The Amount is " Locked '' to be the Standard payback ( 10 years Amortization ) Their explanation of the payback amount mentions details on payback, one of which is " make an Extra Payment '' - outside of this simple mention of that option there is no where on the web-site to find this adjustment nor how to make this adjustment. 

I want to send an email asking but they post that they are super backed up so do not expect a timely reply. 

I want to call- well, I live overseas so this is difficult though I will try. The point is that I should NOT have to call for this information.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

I have a monthly subscription with XXXX XXXX. I am charged {$77.00} per month. Beginning in XXXX this year they are charging me 2x a month. I have attempted to reach them but there is no way to speak to a live person or email them. I have XXXX this over and over. So I went to my bank, Wells Fargo, and asked for them to dispute these. Well now after 4 months of this they are reversing those provisional credits stating that XXXX submitted invoices proving such. Well I asked for copies of those and copies of all emails to me with those invoices. They said that XXXX said this was for paused services. I have never paused such, and why would I if I would be charged {$150.00} for such? Makes no sense and I did not authorized any of the 7 extra charges to my checking account via my debit card. That is {$540.00} that I want back and I told them to file this as fraudulent billing and they refused. I have filed a complaint with the FCC on XXXX XXXX for such and now this. I did not authorize any additional charges with XXXX. I did not pause my service with them and I have XXXX communication from XXXX or Wells Fargo showing where they claimed I did. These charges are fraud.