davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Company issued check for monthly rent of XXXX and made out to the name our landlord 's company and was dropped at the post office on XX/XX/22 and deposited and withdrew from our account the following day XX/XX/22. On XX/XX/22 we become aware that the check did not arrive at the payees address and was endorsed by an unknown person. Personally went to our bank branch the same day XX/XX/22 to fix issue and was advised to contact police and sign a " Declaration of Unauthorized Endorsement or Altered Item ''. Both actions were done. Constant follow up bank visits, bank phone calls, and emails to XXXX detectives were made and no progress on the issue. Our bank sent an letter dated XX/XX/22 stating that given that no progress has been made the issue would be closed against our favor. No more information was given except that the last communication between banks involved were XX/XX/22.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

I have reported this before they said they will be taking off my credit they took it off my XXXX but they didnt take it off my XXXX XXXX XX/XX/2022 from XXXX because I never applied to them
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I have tried several times to make arrangements for the XXXX XXXX credit card to be paid off. I lost my job and income during pandemic, had insurance for the card, but they lied and declined my request. I set up automatic draft and they continued fees and interest, I changed the draft date so no late fees would be charged from my unemployment check deposit. They continued to charge interest. I tried again to close account with no more interest per a promotional program. They lied. No proof of phone call. They show my auto drafts each month, but refuse to cancel my card, which I have not used since before pandemic. They lie constantly.
Consumer complaint received 2022-12-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (CT)

We opened a CD using the funds from our existing joint trust account at M & T Bank. The joint trust was set up and there is no issue with it as per the branch manager. A month later we receive a form letter signed by the local branch manager that they are closing our account. We later found out it was only the CD being closed. When I talked to the branch manager, she was unaware of the letter, and she had not seen or signed it. Over the next few weeks, we provided the branch manager with whatever information she requested. She claimed she was working with her back office to resolve the issue. She claimed that M & T has a different way of doing accounts and the people in her branch set it up wrong due to a lack of experience and training. The bank had possession of all the trust document information from our existing account and there is no issue with it. The funds for the CD came from that account. The letter stated if we took no action the account would be closed, but we were very active with working with the branch manager to resolve the issue. Last week we noticed the funds for the CD ( {$100000.00} ) had been removed from our online account. This alarmed my wife and she tried to contact the branch manager who was not available with time off. She sent through an email to the branch manager, and it was answered two days later stating she had escalated this to senior management. The next day she called back and informed my wife the account was closed by corporate, and the money removed without our authorization. She said a check was being put in the mail to my home address. This seems to be a poor way to handle my money and the lack of being customer focused when the issue was their mistake in setting up the account.
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SOUTHSTATE CORPORATION (GA)

The first thing happened was the XXXX changed the price of the mortgage from XXXX to XXXX The change was because of my land the land was already paid for. I retrieve some documents off line and it stated that the reason for the change was because I had a large lot oceanfront and rural area. I dont have an oceanfront. The other thing was the builder had me to quit claim my land to her and she sold my land back to me. The builder that built the house did not give me all my square footage when she built the house is small and not worth what she sold it to me for. The documents thats on line and the contract is not what I signed and they forged another one. I didnt get any of the paperwork that is on line at closing. I had to pay about XXXX cash and my land I feel like I was robbed because of the documents show the someone lied on the paperwork.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (NJ)

Hello First this account belongs to my company as i was renting an office suite . So this account should be under my company not my personal Second : I left the office suite and sent them a message and called them many times telling them i am vacating the property no answer. Very unprofessional i even went to their office in XXXX and no one was there. 

Third : They owe me money for secuirty deposit that they never refunded.
Consumer complaint received 2023-06-15
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. (AR)

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-22
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. (CA)

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. XXXX, XXXX, and Equifax have not responded to my disputes and requests for the account to be removed off my credit report.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

According to 15 USC 1681 accounts shall report accurately and the attach documents prove these accounts with the account numbers should be removed immediately from all three credit bureaus. These accounts are hindering me and my family from moving forward in life.
Consumer complaint received 2023-12-22
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. (FL)

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 credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I submitted a complaint. Complaint # XXXX about WELLS FARGO CARD SERVICES. Wells Fargo had charged my mother, an XXXX year old woman with XXXX XXXX XXXX   for services like Life Insurance that would pay off her credit card balance when she passed away ; two accidental death insurances, and a Preferred membership program for discounts to concerts and such [ REALLY! What is an XXXX  year old going to do with this? ]. Wells Fargo then raised my mother 's interest rate to 18.35 % and continued to charge her from XX/XX/XXXX to XX/XX/XXXX, all the while the balance went from around {$2800.00} to over {$8000.00}. Then they cancelled the Life Insurance that would pay off the credit card when she passed away. I sent Wells Fargo my Power of Attorney and made many phone calls. Wells Fargo stated they did not have the Power of Attorney and would not speak to me. I went to lawyers who stated there was nothing I could do. I went to the Office of the Controller of Currency ( OCC ) who told me to contact the CFPB. Finally, I found someone who helped me. I filed a formal complaint and Wells Fargo responded. They sent a letter stating they have had my Power of Attorney since XX/XX/XXXX. They also removed most of the Life Insurance charges and the preferred membership charges. The bill was brought down to {$1100.00}.

My current complaint is # 1Wells Fargo was asked to remove those services but are continuing to bill for them. My sister made a payment of {$200.00} on the balance of {$1100.00} and the balance is now {$1100.00}. When I called Wells Fargo to find out about the charges and why only {$10.00} was put toward the bill ( where did the other {$190.00} go? ) the Wells Fargo phone rep stated that was interest and there were charges put on but then they were taken off. But why then is the balance {$1100.00}?

# 2 When Wells Fargo removed the charges for services over ten years, they kept the interest they charged for those bogus services for all ten years. WHY? Shouldn't the interest have been refunded as well?

I am grateful for what you have done for me at CFPB. Can you please investigate Wells Fargo and ask them to return my mother 's interest?
Consumer complaint received 2023-12-22
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: DISCOVER BANK (NJ)

My own mom decided to give a credit card to a friend with my name and social security under it. Her friend combined all her debt and put it under my name. I couldn't get a loan for a car because of this debt that I was never told about because it was kept a secret. It's effecting my credit score and my mom refuses to take away the debt under my name that's not even the money I owe.
Consumer complaint received 2023-12-22
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)

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 2022-12-07
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission.

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-12-23
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. (MN)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX
Consumer complaint received 2023-12-14
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.