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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY (FL)

Several months ago, I received an email from Wells Fargo promoting their Certificate of Deposit ( CD ) account with a 4.8 % annual yield. Following their instructions, I opened the account and deposited my funds. After three months, I discovered that the yield had been reduced to 2.48 % without any prior notice explicitly stating the upcoming change. This lack of transparency and failure to provide clear advance notice constitutes a deceptive practice. It is my belief that Wells Fargo should be advised to cease such misleading practices immediately.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (PA)

Apparently an account with XXXX was opened in my name at an address in XXXX, XXXX XXXX I have never had an account with XXXX nor have I ever lived in Mississippi. I was alerted to this account because it was placed on my Credit Report as a derogatory account and was in collections. The collection agency is Credit Management LP, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX account was opened XX/XX/year> and the amount owed is {$390.00}.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

There was {$810.00} deposited to my checking and I transfer that to my savings account which brought it up to XXXX the next Chase took the money from account and is advising that it was my fault due to transferring the money and now they would not give me the money they took from my savings I did give them any authorization to withdraw the money
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to follow-up regarding my dispute for the following transaction : - Transaction Date : XX/XX/ - Transaction Amount : {$2400.00} - Disputed Amount : {$2400.00} Bank of America has failed to properly follow their own dispute process and has threatened closure of the dispute, even after sufficient evidence was provided that was not adequately considered.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 604 " States rights to consumers privacy. '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

Between XXXX and XX/XX/2020, I was transferred a few transactions to my cash app account, totaling {$350.00}. Fortunately, I have been unable to retrieve the money from my cash app. I have tried every action possible to contact Cash App and to retrieve my cash myself but I have not been able to fix the issue please help. Thank you!
Consumer complaint received 2023-12-05
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. (AZ)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX closed my account on XX/XX/10 due to a XXXX over limit. They did not contact me by any correspondence to pay the over the limit amount. The over the limit was caused by a purchase and their finance charge. I did not realize the the purchase was over the limit. When I called for my available balance my purchase was below my available credit. They did not give me the opportunity to correct the issue. The over the limit did not occur until XX/XX/10. They are saying they can not or will not give me the opportunity to correct the issue. I am working very hard to rebuild my credit and this caused a major hit.
Consumer complaint received 2024-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Under the Biden Administration, it was found that the Art Institutes were involved in predatory and fraudulent practices. All Federal loans were discharged. I request that my private student loans be forgiven under that basis. 

I have been financially affected by the misleading information or lack of information relating to career prospects. I have had many difficulties in getting a job in my field of study as a result of your schools misrepresentations regarding employment prospects. 
I have an incredible amount of debt in federal loans and private loans. I owe about XXXX in private student loans. In the beginning they made it seem like I will have a job that is well paying and that taking out these extra loans wouldn't matter when I'm working in my field. It's damaged me greatly.
Consumer complaint received 2023-12-05
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (TX)

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MS)

I received notification from XXXX that XXXX XXXX XXXX XXXX XXXX closed my account on XX/XX/year>. I am not 180 days past due neither am I over my allowed balance. XXXX never credited my account via the Electronic Funds Transfer Act from the dividend payment made on my treasury coupon. 15USC1666d states whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obigor, the creditor shall- A. Credit the amount of the credit balance to the consumer 's account ; B. Refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C. Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than 6 months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. Second violation : Mail Fraud [ 18USC1341 ] Securities are to be sent in registered form ONLY. XXXX sends security bonds through regular postal mail. 
15USC1681a2 Exclusions-the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX has communicated late payment transactions illegally to all XXXX credit bureaus despite the United States Code stating it is NOT to be reported.
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: Experian Information Solutions Inc. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian credit bureaus is XXXX towards XXXXAmerican people that have good credit and they try to find a way to keep in accurate information on your credit report. By not complying with disputes when they are first filed The law dont require for me to comply with the mail that you just sent in the mail will not comply to the mail. I will not respond to the mail. The mail will fully be ignored. Were going to handle this XXXX through this department complaint and that is Brushing this XXXX up underneath the rug and remove this XXXX what happened to the first dispute that I fell on in accurate student loans reopen the XXXX complaints Do your job XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

Wellsfargo have charged me over {$300.00} in overdraft fees over the last few months and Im currently on short term XXXX and payment is only enough for basic necessities but Im short on basic necessities due to all these fees. I have told them not to pay anything submitted if funds are not available. I have reached out to them on several occasions requesting a reimbursement on these fees and they have declined due to company policies. I will close the account if we cant come to a resolution on this. I need every penny of my benefits and now being left to decide between food or paying my bills.
Consumer complaint received 2023-12-05
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 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. Under 15 USC 1666 B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA ( Original Creditor : 10 XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Mercari, Inc. (CA)

I sold a genuine XXXX purse through the Mercari platform. Unfortunately, while the item was in transit to the buyer, they unexpectedly cancelled the purchase. Subsequently, Mercari suspended my account, restricting my ability to contact the buyer or resolve the matter directly. Upon reaching out to Mercari for assistance, I was informed that my account had been suspended due to allegations that the XXXX  purse I sold was non-authentic. To my disbelief, Mercari proceeded to refund the buyer without my consent or proper investigation into the authenticity of the item. I vehemently refute these claims of inauthenticity and possess ample evidence to substantiate the genuine nature of the XXXX purse in question which I have already provided them with. Despite providing Mercari with proof of authenticity, they have failed to assist me in retrieving my confiscated property. It is deeply unjust that Mercari has acted unilaterally in favor of the buyer 's unfounded allegations, resulting in the confiscation of my legitimate property and financial loss. Furthermore, their refusal to engage in a fair and transparent resolution process is highly disappointing and unacceptable. As a consumer, I implore the Consumer Finance Department to intervene on my behalf and compel Mercari to rectify this unjust situation. I am requesting the immediate reinstatement of my account privileges, the return of my authentic XXXX purse, and appropriate compensation for the damages incurred as a result of Mercari 's wrongful actions. Thank you for your attention to this matter. I eagerly await your prompt assistance in resolving this dispute.
Consumer complaint received 2023-12-05
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-11-21
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 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I am writing to file a formal complaint against CashNetUSA for deceptive advertising and failure to disclose crucial loan information. I was lured into applying for a {$1000.00} loan on XX/XX/XXXX, based on their advertising, which did not clearly specify the Annual Percentage Rate ( APR ), additional fees, or repayment amounts. Upon receiving the loan agreement, I was shocked to find significantly higher rates and fees than I anticipated. This lack of transparency is a violation of my consumer rights and, due to me being on XXXX and a XXXX  income, has caused me financial hardship.
Consumer complaint received 2020-11-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

on friday XXXX of XXXX a client transfer me throu cashapp the amount of {$1800.00} and when I went to retrieve the money they had taken the amount of {$540.00} i could only takeout {$1200.00} out of my cashapp. 
i have been trying to communicate with them throu email and by phone and they don't answer i also have not received any explanation on the matter.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Due covid pandemic I began to experience serious hardships by losing my job so As my banking account was decreasing I was forced to start paying extra attention to my money available and as began to looking into my accounts I found that there were charges that were not being made by me and nor was any where near the citys the charges were being made? Chase bank agreed with me there was fraud and several other charges not authorized by me and denied refunding me the amount XXXX stolen which added up to be close to {$2000.00} dollars and when I filed the claim they gave me the money back until further investigation? And months later after investigation of the claim they found out what my claims to be accurate however due to company policy anything over 90 days not reported is not able to refund the fraud charges so they with out notice took the money out of my account back the {$2000.00} and I only had probably half that in the checking account so it not only made my account immediately overdrawn i was charged a penalty fee for the overdrawn and it made my account negative and all my credit cards were on auto pay and cell phone and those automatic payments were charged and denied and i was charged again for each credit card transaction and thus my credit cards companies reported me late fees and the whole situation destroyed my credit score destroyed my account was charged all kind of crazy fees and made my account more overdrawn and the bank did not care if i was charged to much or that they created damage and put me in further dept and for them to not refund the unauthorized charges after agreeing with me im not responsible but am responsible for the money because of a time limits is absolutely absurd it there fault for authorizations of my money being charged by someone else in a another country they authorized the payments not me why should i be responsible for that? I dont XXXX is who got my information but it was used religiously and verified it was not me or my consent and top of it they take the money back in the middle of a pandemic and completely ruined my credit card history and I dont believe a time restriction should free them of responsibility of paying it when there the ones control of the account and authorizations?
Consumer complaint received 2024-04-01
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. (PA)

THESE ARE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX