davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

on XX/XX/XXXX I received notice from Jefferson capital regarding a debt with sprint. I replied on XX/XX/XXXX with a letter by certified mail requesting validation and a contract showing my original signature of me doing any business with Jefferson capital systems. They ( Jefferson capital systems ) replied by mail that their records indicated they would no longer attempt to collect on this debt. now in XX/XX/XXXX I received another mailing from Jefferson capital systems regarding the same supposed debt with sprint. I then replied by certified mail on XX/XX/XXXX with another validation and cease and desist letter. I have not received any further communications from Jefferson Capital systems to date however they are still attempting to collect on an invalid debt. I have never done business with Jefferson capital systems. I will be filing a complaint with the XXXX  as well as the FTC if this does not stop. I am requesting they stop any and all collections and reporting to the credit bureaus damaging my credit reports under the FCRA.
Consumer complaint received 2024-04-07
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have 2 opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i filed a complaint and it was closed without a response from me. the complaint number was XXXX. The bank only discussed why it didnt cash the personal check. my issue is because they refused to cash a cashiers check. i dont have to have an account for them to have to honor their own cashiers check. they refused.
Consumer complaint received 2023-11-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Westlake Services, LLC (KY)

I am owed a refund from a financial company that I had a loan through, they are refunding the money on a prepaid card that is useless where I live. I want a check or cash to use where I want when I want. this type of payment is useless to me and thus is just stealing my money that is owed to me..
Consumer complaint received 2024-04-10
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: Mercury Technologies, Inc. (FL)

I just got an email from the bank 's card denying a dispute on a fraudulent charge that I disputed. The reason is a service I bought and the service never was as advertized. Now, the bank called Mercury, where I have some business accounts, denied the dispute process because I have made too many dispute requests ( 3 ), where the bank promotes zero liability for fraudulent activities. See the email attached written by XXXX.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (TX)

on XX/XX/year> I received a phone call from the bank asking me if I was a wear of an transaction deposit 0f {$3500.00} into my account ending in XXXX and my answer was no then there was 9 times of {$200.00} transfer to XXXX XXXX the bank said ok if you don't know the person who deposit the funds into my account then let me put your account on freeze to investigate and then he came bank and said was an inside transaction from one of the bank teller. Then once they started the investigation my payroll direct deposit came into and never gotten it back my account ending in XXXX they took my funds of {$2000.00}. they said they didn't see any fraud actives going on my account..
Consumer complaint received 2024-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Filed a dispute via 3 major credit bureaus on XX/XX/2024 as one of my Capital One credit cards is reporting my Last Statement Balance of {$420.00} ( that ended on XX/XX/2024 ) as my " Current Balance- which is incorrect and is negatively impacting my overall credit score. I also contacted them via phone and the representative verified that my dispute investigation was complete and the " Last Statement Balance '' was reported instead of the current balance.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$7.00} XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$8.00}
Consumer complaint received 2024-04-03
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. (PA)

I recently submitted a dispute with no response. I am a victim of identity theft and my rights under the Fair Credit Reporting Act have been violated. I have not received any information regarding this account. A proper investigation was not completed on my behalf, thus if the company can not provide sufficient evidence including but not limited to a contract with signature, I will proceed to file a lawsuit.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC. (PA)

I wrote a check to a person for {$53000.00} for the settlement of a property on XX/XX/24. The check was accepted and deposited. Then Axos bank decided the check did not have proper endorsement and bounced the check. After a lengthy phone call on XX/XX/24 I was told they would allow the check to go through and would reverse the funds and deposit the check. Two business days went by and on XX/XX/24 Axos did not reverse the check and did not do anything. While calling on XX/XX/24, the department had no idea what was going on and a poor lack of documentation as to what happened and what they were doing.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to XXXX, Equifax, and XXXX by certified mail. Over XXXX inquiries are included across the three reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America allowed a fraudulent credit card opened under my name and my SSN in XX/XX/2023, and Bank of America stated that the information on the account is not being reported to the credit agencies, therefore, I need to know why my XXXX credit report is showing this fraudulent Bank of America credit card and it has been reported OVER THE LIMIT as of XX/XX/2023. ( Please see attached supporting document. )
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Assistance Inc (IN)

Financial Assistance Inc., on or about XXXX, furnished my nonpublic personal information to one or more unaffiliated third-party consumer reporting agencies ( such as XXXX, XXXX, and XXXX ) XXXX thereby violating federal laws and XXXX membership account agreement. 

With respect to nonpublic personal information, A financial institution Financial Assistance , Inc. which represents XXXX has an ongoing obligation to protect the confidentiality of nonpublic personal information of its customers.

Pursuant 15 USC 6802 Financial Assistance INC which represents XXXX, is required by law to give me 3 disclosures. I have checked all documents from Financial Assistance , Inc. given to me on ( XX/XX/2024 ) and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless certain conditions are met : 1. The institution must clearly and conspicuously inform the consumer, in writing or electronically, that their information may be disclosed to such third parties.

2. The consumer must be given the opportunity to opt out, meaning they can choose to prevent their information from being disclosed to such third parties.

3. The institution must provide an explanation to the consumer on how they can exercise this option to prevent disclosure.

Financial Assistance INC / XXXX knowingly, will fully and fraudulently withheld pertinent information to suite their own agenda, forcing me to comply illegally with reporting my non public personal information to a unaffiliated third party companies XXXX XXXX, XXXX, XXXX )
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TX)

I'm in the process of purchasing a home. They are reporting on my credit report. This company is reporting fraudulent and inaccurate information on my credit report. In letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and email communication dated XX/XX/XXXX, I have requested that they provide a copy of the purchase agreement as well as the bond that proves their legal registration as a debt collector in my state to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me and they were unable to. They are violating my rights via 15 U.S.C. 1681 law.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX Equifax Account XXXXXXXX XXXX XXXX XXXX XXXX Account Holder XXXX XXXX XXXX XXXX XXXX XXXX Account Holder - XXXX XXXXXXXX XXXX - - Account Holder XXXX THESE ACCOUNTS DONT BELONG TO ME CREDIT BUREAUS FAIL TO VERIFY THESE ACCOUNTS I NEED THESE ACCOUNTS REMOVE OFF MY CREDIT
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NV)

for my XXXX  visa card, i'm not sure why there a charge back on the fraud transaction? I have reported those fraud transaction and it's still showing on my account. Also, nobody has contacted me about what's going on etc.
Consumer complaint received 2024-02-01
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: EQUIFAX, INC. (NJ)

I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.
Consumer complaint received 2024-04-07
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies EXPERIAN and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services.
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

The original company sold my loan without my permission and when I looked on the website XXXX they weren't authorized to even have my loan. They send payment letters to my house weekly. The loans are under my maiden name. I got married XX/XX/year>.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/2023 my student loans were transferred from XXXX to XXXX. My current balance with XXXX is {$0.00} due to the transfer. Right now my student loans are showing twice on my credit report. One account for XXXX and one for XXXX. This is incorrect and should only be showing the XXXX account. 

When I spoke with XXXX requesting that my account be closed because I now have a {$0.00} balance with them I was told no. I then disputed this account with Experian, but it was not resolved. This is causing my credit report to show {$100000.00} in loans instead of {$50000.00}.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Section 611 of the FCRA 15 USC subsection 1681. The section covers the procedure for disrupting disputing the accuracy of information in your credit report. It requires credit reporting agencies to investigate disputes within 30 days.

Section 609 FC 15 section 1681 section grant you the right to request a copy of your credit report and know the sources of the information Section 62316812 section responsibilities on Furniture of information collection agencies to ensure the accuracy of the information they provide to credit reporting agencies they must correct and update information as necessary Section 605 section 81 C2 section allows for the blocking of information resulting from identity theft
Consumer complaint received 2024-04-10
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: WELLS FARGO & COMPANY (IN)

I submitted complaints through the CFPB portal on XX/XX/XXXX and XX/XX/XXXX hoping for a prompt resolution to this erroneous reporting but it has not happened. After speaking with Wells Fargo multiple times they have failed to update my payment summary to 100 % accuracy according to the FRCA. The account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. I have attached documentation from them stating the account was charged off XX/XX/XXXX however they have reported it as a charge off 18 consecutive months AFTER it was Repossessed and for another 35 months they did not report to the credit bureaus, they then started reporting again in XX/XX/XXXX for one month, only to stop again and start reporting again XX/XX/XXXX until XXXX and now they have the account as Closed Paid. This reporting is clearly inaccurate and in violation of my rights. 

They have also updated the payment history to Paid, Closed but the most recent payment status in XXXX is XXXX, how is that possible? It's clear they are not playing by the rules they agreed to and need someone to step in and assist them.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024, while attempting to book flight tickets on XXXX XXXX website, I came across a promotional offer from Chase Bank that advertised a {$300.00} reduction in the booking price. The promotion outlined two steps : Step 1 : Apply for a Chase credit card.

Step 2 : After card approval, continue booking on the XXXX XXXX website. 

I proceeded to apply for the Chase credit card, and my application was approved. However, right after the card approval, Chase website didnt transfer the correct information to XXXX XXXX and the promotional credit wasnt applied. The message further informed me that I would need to wait 5-7 business days to receive my physical card in the mail before I could use the card. 

Feeling baited and trapped, I reached out to Chase 's customer service for assistance. Unfortunately, the representative was unable to provide any meaningful assistance beyond noting my request ( XXXX ) to expedite the card delivery. 

I feel deceived by this experience, as I did not receive the promised benefit of the promotional offer and incurred a negative impact on my credit score due to the credit card application filled under false promise. Moreover, I was put in a position where I had to forego booking the flights at the discounted rate due to the delay in receiving the card.

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Chase Bank for misleading and baiting customers with false promises. I would also request to ask Chase to rectify this situation by offering compensation for the loss and prevent similar occurrences in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-07
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. (MD)

hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :