davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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: BARCLAYS BANK DELAWARE (NJ)

Barclays Old Navy reported a 30 day rating under XX/XX/ on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from Barclays error.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was told by Kohls representative in XXXX that I was told I could skip XXXX payment due yo loss of employment and it would not effect my store and pick up next payment in XXXX. The rep didnt update the account properly and my credit score dopped do to late payment. I was told the error would be fixed when I called XX/XX/2024 but nothing has happened.
Consumer complaint received 2023-12-27
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

XXXX XXXX and Total Visa are reporting inaccurate and incomplete information on my consumer report. I have disputed with the all 3 credit reporting agencies in XXXX XXXX XXXX and the erroneous information has been verified as accurate on both accounts. I have attached my intent to file arbitration letter per XXXX XXXX ' and Total Visa 's contract. The letters have also been sent certified mail to XXXX XXXX and Total Visa to serve as notice of my intent to file a demand for arbitration.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (CA)

I have attached XXXX FTC reports with inquiries I did not authorize, Please also update my personal info and revise the letter sent with an account reporting inaccuracies that also needs to be deleted
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-24
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. (MS)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I lived in an apartment complex about 2 years ago. After leaving in XX/XX/XXXX I made sure to clean the apartment before moving away. Being the young XXXX XXXX  that I was I forgot to take pictures of the condition after leaving. I did not hear from the apartment complex managers ever again. Fast forward 2 years, at the end of XX/XX/XXXX I was contacted by Mr. XXXX of XXXX XXXX claiming we still owe damage fees XXXX in total for the apartment we lived in 2 years ago. He reached me through a phone call. I still kept the same number I had 2 years ago. After exchanging emails I asked for a few documents to confirm the damages. He provide a few documents, but no time stamp photos of the damages. After weeks of asking for time stamp photos to verify the written damages he stated that his computer caught a virus years ago and the photos were erased during fixing the computer. After that time I wrote Mr. XXXX an email stating that under California tenant laws states that a landlord must request the payment of damages within a timely manner. Seeing that it has already been almost two years after my move I believe this " timely manner '' had expired. With the time stamp photos I would have no way of believing these damages were caused. I also stated that Mr. XXXX had the means to contact me with a call years ago, but it was his fault he had forgotten about these fees. He had also admit that he forgot the fees and after going through old paper work found them. About a week after this email he sends me six photos that are supposed to be of the apartment I lived in. These photos were not time stamped and when I asked to see more photos of the apartment he did not respond on XX/XX/XXXX. After that day he sends me a new email stating that he will be sending me to collections and needed my address. I was not comfortable giving that information at that time and asked if it was able to email me this paper. He stated no, he was not able to do so and somehow knew my address and asked if that was it. Being a little shocked that he knew where I lived I asked to be emailed the papers. XX/XX/XXXX I come home from work and found the collections paper from Mr. XXXX mailed to my home. I will attach all information that was given to me by Mr. XXXX below in the attachments.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

On XX/XX/23 I added funds to my account. Later that day, I also received my direct deposit. After I added funds to my account I did not use the card anymore. When I checked my account for my deposit later in the day, I noticed the money I added earlier was gone and only my deposit was left. I realized then my card was not in my possession so I moved the money and filed a dispute on XX/XX/23. The bank denied my dispute on XX/XX/23 saying no error occurred. I requested documentation to show no error occurred to which I only received the intake form where I filed the dispute. I have called several times and spoken to about XXXX agents and XXXX supervisors. They were all helpful and Ive had XXXX rebuttals opened, however my claim is continuously denied when Ive provided evidence. The supervisor I spoke with on XX/XX/23 stated my evidence submitted proves I was not at the locations the unauthorized transactions were made. I am not understanding how they are continuously denying my claim. This is very upsetting that my money is not being refunded and I feel the bank is not taking my concern seriously.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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. (MO)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/XXXX, at XXXX XXXX Pacific Time I authorized a wire transfer of {$25000.00} to my XXXX XXXX XXXX  account in XXXX where I was combining funds to purchase an apartment. 
WIRE CONFIRMATION # XXXX Wells Fargo accepted my wire instructions but flagged it is " fraud '' and failed to send the money. This, supposedly, based on a notation next to my account that the bank needs to verify all my wires. The bank failed to verify the wire and just allowed the matter to sit. 

I finally called the bank on XX/XX/XXXX ( my time ) and after hours of trying got to customer service I was connected to the " Fraud Detection '' department which said the wire had a hold and that bank sent me messages to 2 of my phone numbers on record .... I received no texts or messages from the bank and my phone records can prove it. Had I not spent hours trying to reach the bank the money would just sit in the account. Money is still not wired as I write this. 

When I finally did reach the bank and confirmed my identity and the fact that money was going to me, the Bank demanded to know what the money was intended for and treated me as if it was the bank 's money which I was managing and not my own. Wire is still on hold. 

In the delay I lost an opportunity to purchase an apartment at a lower price. I want the bank to pay punitive damages to the government entity which supervises it and to me.
Consumer complaint received 2023-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CURO Intermediate Holdings (NV)

Last XXXX I realized I never got my third stimulus check. I called the IRS, after a failed attempt of my own to track it down so they could start a trace. I was using OPT+ as my bank card. They have since closed their US market with no forwarding contact information. I called the bank they used as their middleman, Axiom, I was given a phone number, its no longer in service. I then called OptPlus XXXX offices and was given an e-mail address ; I was told that's the only way you can contact them ; I emailed them on XX/XX/XXXX and have not heard back. They are not answering the IRS inquiries either. 

I don't have my old card number but I do have the routing number and my account number that I was given by the IRS. 

Routing Number XXXX Acct. - XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

Back in XXXX  I moved out of my apartment at XXXX XXXX XXXX after the owner sold the property to a new manager who walked into my apartment unannounced while I was getting out of the shower, in what it seem to be an attempt attack me. I screened and immediately asked that he leave. The next day I advised them I would be moving out of the property as I was on a month to month lease and could leave at any time. I also never signed a new lease with the current owner. The management then attempted to stop me or punish me by posting an unlawful detainer as he advised he would mess up my credit if I tried to leave. We went to court and I won the judgement, where it was decided I would not owe any money and could leave the property with no repercussions, the documents were also sealed advising me that this would not be allowed on my credit because there was no money owed, the judge also stated he has no ground for an unlawful detainer.I signed a new lease with another property in XXXXXXXX XXXX XXXX  and no longer lived at XXXX XXXX  when 4 months later a collections for {$4000.00} Appeared on my credit. When I contacted the management company to asked why this was there they refused to tell me what it was for, I asked that they send me information to verify the debt and they never did. I have been disputing this for years and it only remains on XXXX as it was found to fraudulent by the other 2 credit bureaus. This is not accurate preparing or accurate information. I would like to file a complaint against XXXX but also the Fidelity Credit server and XXXX XXXX XXXX for fraudulent reporting.
Consumer complaint received 2024-04-19
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. (TX)

You are reporting an account that isn't mine on my credit report. I received correspondence from XXXX naming another individual as the primary owner of the account XXXX ( see attached document ). Furthermore, I have no recollection of having a business relationship with XXXX. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. My name is XXXX XXXX and the letter is addressed to a person named XXXX XXXX. This is negligence on the credit bureau 's behalf. I have tried to get this remedied for some time now. I have proof of all correspondence and if this is not removed from my credit report within 7 days I will move forward with legal action. Please see the attached affidavit and correspondence naming someone else as the primary owner of the account.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Aspen Yo LLC (NY)

I made two {$1100.00} ( total {$2200.00} ) in XXXX. This was to meet my XXXX obligation. These payments have not posted. I have bank confirmation that the payments were delivered. I called today to ask why my account had not been updated. I didnt catch the persons name who provided customer service. My wait time was 1 hour and 30 minutes before anyone bothered to pick up. She alleged I had not made payment in XXXX. She alleged I had a returned payment in XXXX. My payments have been on time or paid in advance since XX/XX/2008. This has been reflected in the monthly statements published by the mortgage company. So I questioned this persons competence. I believe my payments were improperly allocated. Theyre trying to hit me with a late fee and adversely affect my credit. The customer service person refused to let me speak with a supervisor. She alleged she was going to send me my payment history. She confirmed my email address and claimed she was going to email my payment history. It has not been received. She said any payment dispute I had must be submitted in writing. When I asked for her for her name and employee ID, I was put on hold while she spoke to a supervisor. When she came back, I was supposed to be transferred to a supervisor. I was transferred to a random answering service & eventually was disconnected.
Consumer complaint received 2018-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

This has been going on with the Wells Fargo since late XX/XX/XXXX early XX/XX/2018. 

The only thing that the company has addresses in full was why they used that specific appraiser. I am ok with their answer to that point only. 

They still have not addressed the mistakes and wrong information for the properties that are in the appraisal at all and in specific detail. By law Wells Fargo must have at least three accurate properties with correct facts in order to accept the appraisal which the full appraisal does not and only has one. If Wells Fargo does not fix the errors and incorrect information and data in the report and/or use the report and accept it then they are breaking the lending laws both federal, state and local. Wells Fargo must either correct the report or not accept it in order to follow all the laws and regulation that govern leading. 

Wells Fargo still have not addresses the lies that the company employees have done, i.e. said that they review information but did not and stated those facts on recorded calls. What specific steps did Wells Fargo do to re-train these employees and what improvements plans where these of these employees put on. It is against the banking laws to lie to a customer through the lending process. These happens during multiple stages through this application and have been documents on recorded calls. To resolve this matter Wells Fargo must go back and listen to every single call in full and confirm to me that they did that in writing and they then took appropriate action against the employees that lied. 

They had a legal team review this please explain in detail why Wells Fargo had a legal team need to review this if Wells Fargo did not do anything wrong.
Consumer complaint received 2024-04-19
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. (TX)

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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I hereby submit this formal complaint against EQUIFAX, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that EQUIFAX would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.