davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

JCPenny branded store card issued by Synchrony Bank lowered my credit limit on the account based on a periodic review of my credit via a soft-pull. Their system pulls credit apparently every month. Upon a systematic review, they lowered my credit limit within around roughly {$100.00} of the overall limit. This put my ratios all out of whack. I financed a washer and dryer on 0 % therefore, there is no way I'm paying that off when it's at 0 %. In the beginning, there was an address issue on the account, and one of the payments was late but that was almost 2 years ago. After that was corrected, the account has always been current and never had any late payments or issues at all. The reason I'm suspecting the limit was lowered was due to an auto trade-line reporting 60 days past due by XXXX XXXX XXXX. This was a reporting error and since been corrected by XXXX. Yet now, I have a lower credit score because of this tradeline shows I'm at 85 % utilization.
Consumer complaint received 2023-12-13
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. (PA)

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

XXXX XXXX
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to the fraudulent investment firm.
Consumer complaint received 2022-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

Cashapp was supposed to refund me {$950.00} I have reached out to them XXXX times and they keep giving me the run around. My transaction right now says it was supposed to be refunded last Wednesday and its still not refunded. No theyre not answering anymore and when they do answer they wont put me otp with any supervisor idk what else to do. My number is ( XXXX ) XXXX. My email is XXXX & My name is XXXX. Please help me
Consumer complaint received 2018-11-27
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (MI)

FRADULENT CHARGES WERE MADE ON MY CREDIT CARD FOR MERCHANDISE I NEVER RECEIVED FROM AN OVERSEAS COMPANY IN XXXX. XX/XX/2017. BILLING TOTALS {$820.00}. THE CREDIT COMPANY WAS MADE AWARE OF THIS ISSUE AND WERE PROVIDED LETTERS, EMAILS AND DOCUMENTATION BY ME TO PROVE MY CASE, YET THE CREDIT CARD COMPANY HAS DONE NOTHING BUT HARASSED ME FOR PAYMENT ON MERCHANDISE I NEVER RECEIVED..
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IN)

I XXXX XXXX have a collection placed on my credit report with National Recovery Agency located in XXXX PA. I have never opened an account with this corporation and they have failed to provide me with a proof of debt. This negative information was placed on my credit report on XX/XX/2018 for the amount of {$540.00}. I have been hindered in opening credit lines purchasing a new vehicle because of this negative information on my credit report. I am including tracking numbers that proves National Recovery Agency has received my dispute via USPS # XXXX this dispute letter was received on XX/XX/2018. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (RI)

To begin with the account with original Creditor  XXXX XXXX  was a fraud,,, I ended up paying the account off paid to delete in XX/XX/XXXX and they deleted as agreed. On XX/XX/XXXX they reported to Credit bureaus again. i called Williams & fudge inc ask for letter of debt validation the representative respond that they no longer work with original creditor and gave me a phone number XXXX went to voice mail looks very unprofessional.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid 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. (FL)

On XX/XX/2023, I purchased a hotel reservation via XXXX for a stay XXXX. When I received the confirmation email for XXXX, I immediately called the vendor and reported the inaccuracy. This was done well within the 24-hour window, established for travel cancellations for any booking made in the USA. Much to my frustration, I had to argue with someone who barely spoke English, who was programmed with a machine like voice to tell me that the reservation is not subject to cancellation. The person knew nothing about the 24-hour window rule. Also, the vendor de facto had no way to address discrepancies due to its own software. I then had to purchase another reservation, and this time it was correctly dated.

One of the two reservations, however, should be null and void.
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

I have been working very hard to keep credit clean, I never received any bill or notification about a balance from XXXX XXXX in the amount of {$570.00} for XX/XX/year>. I found this out via my credit report, when I called Ability Recovery Service at XXXX I was told that information was sent to address that I haven't lived at for almost 5 years and I did a address change via post office when I moved. When I called I was told there was nothing to be done until I settled the debt I feel this is so unfair they also had my phone number and could have called before putting this on my credit report. These 3rd party vendors are BAD news.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (PA)

On or around XX/XX/2023, I reached out to XXXX asking for validation letters stating that collection accounts do not belong to me. 
Amsher Collection Serv ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored my request and accounts are still reporting negative on my credit report.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I am writing to lodge a formal complaint against the XXXX major credit reporting agencies XXXX, TRANSUNION, and XXXX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX. 

I sent this request on the following dates : XXXX. XXXX on XX/XX/2023 XXXX. TRANSUNION on XX/XX/2023 XXXX. XXXX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, XXXX, TRANSUNION, and XXXX have not updated my report to reflect my true and correct name. My credit report should only list XXXX name and XXXX address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by XXXX, TRANSUNION, and XXXX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.
Consumer complaint received 2024-07-01
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: Bread Financial Holdings, Inc. (TX)

I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

Name of the product or service involved. 
XXXX XXXX ticket / Cash App purchase The dollar amount in dispute. 
XX/XX/XXXX at XXXX XXXX Captured {$240.00} XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX at XXXX XXXX Captured {$28.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Captured {$10.00} XXXX XXXX Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. 
XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

One unauthorized transaction of {$500.00} and another unauthorized transaction of {$300.00} from Unknown XXXX user on XX/XX/2023 from Wells Fargo account both unauthorized transactions. I filed a fraud claim for unauthorized transactions to Wells Fargo.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I applied for and used a care credit card to receive dental work in XXXX of 2022. I was told when I signed up for the card that it had a promotional interest free period of one year and that after a year interest would begin accruing. Since that sounded fair to me I used the card to obtain partial dental services. A year later care credit charged me {$500.00} dollars as back interest. I was never explained to either in writing or in person that I would be charged " back interest '' for this. I contacted the company to see if I could pay the balance in full ( 2 days later ) since I did not understand to accept the terms that I would be charged a years worth of interest on debt that was partially paid and they declined to do so. I will be filing an action in court and with CFPB because I will not pay this illegally charged debt.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (DE)

I opened and funded an online business checking account at U.S. Bank On XX/XX/XXXX. It was funded with {$5100.00}. Without notifying me they closed my account At some point there after. The only way that I found out is because I couldnt access my account online and called them on XX/XX/XXXX to find out the matter. They informed me that they decided they didnt want my business and turned me over to the fraud department. They said that I had 10 days to appeal their decision and if not at some point after that, they would send my Funds to the address on file. I told them I did not want to appeal their decision, and that I would like my funds sent to me immediately. They said that would not happen, and that they had no timeline for when I would receive my funds. I talked to what I was told was a manager and he told me there was absolutely no way to determine when I would get my money back. This is the point at which I am listed your help. I really dont know what else to do as they basically said that I will get my money when they are ready to send it to me. Thank you
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (MO)

On XX/XX/2021 I accidentally sent XXXX to a individual through Cash App. I reached out to the person requesting a refund. They haven't responded. They also did not accept the refund. I reached out to Cash App support team. They did not respond.
Consumer complaint received 2023-09-04
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Owed : {$0.00}.
Consumer complaint received 2018-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

This is getting old. I have disputed XXXX XXXX more times than i can count. Experian is the only company that does not review disputes. The information being reported to them is unverifiable and erroneous. It keeps coming back as verified. Can i please get the proof that an actual investigation took place. How can incorrect information be verified. Its not possible but yet again shows verified. Its unverifiable. False information is being reported. This was investigated and removed from XXXX and XXXX  a long time ago. How come two out of three credit bureaus investigation led to immediate removal upon completion of their investigation. Experian is maliciously keeping this unverifiable data on my report causing me to get denied credit and or be charged a higher intrest rate. I feel like i might need an attorney at this point.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Opportunity Financial, LLC (TN)

I have been disputing finewise/opploans in the amount of XXXX for 9 months and also wrote all three credit bureaus providing information to them that this company does not have any verifiable information. This has been an on going battle since XX/XX/2023. That have not showed me any verifiable information as requested. I am a victim on the credit bureaus not following consumer law. And I am a victim of my family not being able to compete in the world because the credit bureaus have bullied me by keeping my credit score so low that I cant get a car nor house. I need help.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

On XXXX XXXX, 2019, I got scammed from a person named XXXX XXXX in XXXX asking me my account information to transfer {$490.00} through my WellsFaro banking account. 

After I realize its a scam, I contact Wells Fargo, however, they were unwilling to help and reverse the transaction of {$490.00} for me.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (PA)

Final Steps of XXXX XXXX due to XXXX. XXXX ordered to remove former spouse from mortgage. CHASE Assumptions received the XXXX XXXX XXXX, the recorded warranty deeds on the property, and on XX/XX/XXXX and XX/XX/XXXX, I e-faxed the recorded Divorce Decree from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to CHASE Assumptions. XXXX week later, out of the blue, I received a letter from CHASE Assumptions that CHASE cancelled the assumption loan application for incomplete information! Then, they called me and the woman told me XXXX times they never received the divorce decree. 
Branch manager in XXXX where I sent the e-fax, filed an escalation case with CHASE bank, as he too, had proof they indeed received the recorded divorce decree sent out of his branch. CHASE assumptions is now saying they did receive the divorce decree but it is an incomplete decree? They have had the XXXX since XXXX XXXX, it's been over a month, and the only thing Assumptions and CHASE escalations is saying, is that it is not a complete divorce decree. My lawyer has offered to step in and assist them, as it is the recorded divorce decree., they have sat on this for over a month and have given no legitimate explanation for closing my application, other than CHASE makes 2x as much money forcing me to refinance
Consumer complaint received 2023-12-13
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-07-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Deinde Online Services, LLC (TN)

I received notice from XXXX XXXX that a collection account was place on my credit. I have tried to contact the company XXXX XXXX XXXX, via phone, and email with no response. When you call the number you are put on hold, they tell you what number you are in line then all you get is " this is XXXX please leave a message ''. I have called multiple times with no return call or email. I have dealt with this company before and they never would speak to me, then they turned my account over to an attorney during the covid lock down and I had a judgement and garnishment, even after trying to work out payment arrangements with the attorney. I can not afford to have a garnishment again. I want to pay my debt but can not reach a soul or get any kind of response.
Consumer complaint received 2023-12-13
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. (LA)

Someone charged XXXX dollars on XXXX account. XXXX financial was changed to XXXX pay. T he day i registered with them my account was charged for XXXX dollars by someone else. I have reported it to XXXX and placed fraud alert on all credit unions but recieved notice fromtransunion saying they investigated and found it right. That is not my charge and i will not pay it. I only owe a little over XXXX dollars. The person accsess my account in XXXX.