davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Description of the scam : I was approached by a person named XXXX XXXX on XXXX XXXX XXXX XXXX XXXX [ Phone Number : XXXX ( XXXX ) XXXX ]. She said she was from a recruiting company called XXXX XXXX XXXX. She said I will be contacted by someone on XXXX for part-time work. I was then approached by a woman called XXXX for some part-time work for which they would pay me in XXXX XXXX. 
They promised me rewards after completing certain tasks after logging into their web application. I had to deposit an initial amount of {$110.00} minimum. The app would then display images of some mobile apps. I need to click on these images. One image click was called a task. 
The initial deposit was the cost of these tasks. For each click I would be paid a commission of 0.5 %. 
There were XXXX such tasks to complete in a day. 
Higher the initial deposit greater the cost of a task and greater the commission. 
Now and then there would be a combo task whose cost was greater than initial deposit and would cause my deposit amount to become negative. 
To continue further I needed to deposit an amount equal to the negative amount. If the amount was negative, I could not withdraw my money. 
For the first 4 days, they kept paying me as if everything was real. 
On the 5th day, I committed a higher amount. That's when they kept making my balance negative. 
And towards the end, my negative balance stood at XXXX XXXX. 
That's when I started searching if I would ever get my money back. I read an article on XXXX about a similar scam and that's when I realized I had been scammed. 
I asked the scammers to refund my money and they said they won't do it. 
I reported this to my local law enforcement : XXXX XXXX XXXX XXXX 's office. I also reported it to XXXX FBI. 

I complained to XXXX about the scam but they did not take my complaint seriously. 
More details are attached in the letter.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My credit report with Experian shows multiple invalid account that re causing detriment to my score. My Report is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as charge offs. All of that information is invalid. My report also shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported 4x on my report dated XX/XX/2020, XXXX and XX/XX/2020 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. None of the accounts mentions are valid. I have requested for Experian these inaccurate accounts or validate them, but have I gotten no response or action from Experian. This has cause detriment to my score.
Consumer complaint received 2023-08-11
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. (PA)

In accordance with the fair credit Reporting act these companies have violated my rights. 
XXXX XXXX Acct # 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 
Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (FL)

In a dire situation compounded by financial hardship, I find myself compelled to address a grave issue concerning your unauthorized access to my credit profile. It has come to my attention that despite not providing explicit consent, your organization has unlawfully obtained my credit information. I want to stress that I have not granted you permission to access or review my credit report for any reason whatsoever. Furthermore, it's crucial to emphasize that under the law, you lack a permissible purpose to contact third parties or access my private and personal information without my explicit authorization. This unauthorized intrusion into my financial privacy has exacerbated my already dire circumstances, leaving me severely struggling to make ends meet. Regrettably, due to financial constraints, I am unable to afford the cost of postage to send physical letters. Therefore, I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to mediate this dispute on my behalf. I implore you to cease any further attempts to access or utilize my credit information without my explicit consent. The impact of your actions on my financial stability can not be overstated, and I urge you to rectify this matter immediately. Failure to comply with this request will compel me to pursue all available avenues to seek redress and hold your organization accountable for the distress it has caused me.
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (TN)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$160000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3500.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$860.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-09-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (NJ)

I was told originally by my local XXXX to mail in paperwork related to my car 's title to get my plates updated for my vehicle as I moved states. I mailed in the paperwork back in XX/XX/XXXX to Bridgecrest, which they claimed for weeks they did not receive, but kept advising me to " keep calling in to check. '' They then recommended I email in the document since that was " much faster, '' with a total processing time of eight ( 8 ) weeks. I emailed my documentation on XX/XX/XXXX and still have not been able to get updated plates for my vehicle. I called into the company 10+ times to get this resolved, trying to understand the issue. Every few phone calls I received a different answer, either from the customer service representative or the " XXXX account resolution team, '' telling me the paperwork was still getting processed by the XXXX XXXX ( who did not take phone calls, so could only be reach by IM or message by various other teams reportedly ) or that someone created the wrong case which was routed incorrectly. Each time, Bridgecrest kept telling me that I had to keep calling in for updates, now way past the eight ( 8 ) week processing time and still without my updated plates. The last update I received was XX/XX/XXXX, as the title received was printed but incorrectly routed, therefore it was taking more time. I asked the representative if they had an estimated time frame for the resolution which they claimed they messaged the mysterious Title Team but after our call, once they receive a response, they would update my account for me so the next time I called in, there would be an XXXX listed. Again, I was told to keep calling back for updates and when I called XX/XX/XXXX, there were no updates and no XXXX listed on the account. on XX/XX/XXXX, they emailed me a sparsely worded letter to potentially bring to the XXXX, where they state they have " requested the XXXX title from their XXXX XXXX and should receive it in XXXX weeks. Once they receive the paper title, they will overnight to the address provided by the customer. '' It has been well over a month since then, still no update and how/why this took since the beginning of XX/XX/XXXX to complete is absurd.
Consumer complaint received 2022-10-23
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. (CA)

In accordance with the fair credit reporter act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 usc 1681 section 602 a states I have the right to privacy.

15 usc 1681 section 604 a also states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-10-23
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: CITIZENS FINANCIAL GROUP, INC. (MA)

In accordance with the fair credit reporting citizens one auto finance account # XXXX has violated my rights. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

1. I was steered into forbearance when I could not make my student loan payments in 2014 on my Federal loans. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest.

2. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicer a long time to approve the recertification.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

Problem am having is Experian is not following law and Under the Fair Credit Reporting Act, this This XXXX  XXXX XXXX account on file with Account Number : XXXX has passed the 7 year mark on my credit report and must be deleted off my credit report.
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to TransUnion 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. 
Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that TransUnion has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from TransUnion regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. TransUnion 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that TransUnion promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that TransUnion complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 

Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold TransUnion accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OK)

This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). You are claiming I owe a debt with the following details : Account Name : CITICARDS CBNA Account XXXX Amount XXXX Please provide me with the following information to validate this alleged debt : Proof I owe this debt : Provide documentation demonstrating that I have a contractual obligation to pay this debt ( e.g., signed contract, billing statements ). 
Name and address of the original creditor : If the debt has been transferred, provide the name and address of the original creditor. 
Itemization of the debt : Provide a breakdown of the claimed amount, including principal, interest, and any applicable fees. 
According to the FDCPA, you have 30 days from receipt of this letter to provide this validation. While awaiting validation, please cease all collection activities. 

If you fail to provide the requested validation, I will consider the debt invalid and expect any negative reporting associated with it to be removed from my credit reports.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : BMW FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : BMW FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : BMW FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NV)

I have disputed this debt for years now, and WELLS FARGO refuses to correct my credit profile. The debt was already XXXX by WELLS FARGO back in XXXX or XXXX. I reviewed my profile and WELLS FARGO continues to report a CHARGE OFF ( CO ) for the months of XXXX & XXXX of XXXX, and XX/XX/XXXX. This is a violation of 15 USC 1681e ( b ) because WELLS FARGO can not report a Charge Off ( CO ) on my credit profile because its considered income and income can not be reported. XXXX, XXXX and XXXX are reporting false information. It's the duty of the Credit Bureau to report accurate information. Please correct this derogatory mark as it is damaging my report.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

on XX/XX/24 I received an email from XXXX XXXX saying they are going to withdraw {$400.00} from my account. I XXXX  XXXX phone number and spoke with the agent. He wasnt a real agent, he was the scammer, he sounded so convincing and legit and was able to get in my banking app. He XXXX 3 times within 5 minutes {$490.00}, {$490.00}, and {$490.00} a total of XXXX then he transferred {$5000.00} dollars from my savings to my checking and wired the {$5000.00}. the second I realized i was being scammed i hung up and contacted my bank within minutes of this happening. i was denied my XXXX money and the wire money, a total of {$6400.00}. They said online credentials were required to perform this and that the activity appears to be consistent with my normal banking activities. XXXX is not a normal activity for me, i use it 1 time every 3 months. i've never in the 15 years i been a citibank customer have i ever wired any money. If they didnt think that XXXX XXXX  payments and a {$5000.00} dollar wire transfer within a 20 minute time frame wasn't suspicious activity then they are XXXX. The bank was notified minutes after this happened. I even drove down to the branch to talk to them. They could of reversed or stopped the transfer.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I believe that I am the victim of a scam or at the very least my rights pertaining to a past due debt. I reached out to Credit Bureau  Systems  on  XXXX / XXXX /  XXXX  . I was trying to make payment on a  XXXX -old   XXXX   XXXX   with  XXXX   XXXX   XXXX  that totaled {$1000.00}. I wrongly assumed had been covered by the hospitals   XXXX   XXXX   department as I was unemployed, a full-time  XXXX , and   XXXX   XXXX   at the time of the service. I spoke to someone who was extraordinarily forceful and threatened me with legal action time and again. We could not come to a payment arrangement as she wanted me to make the payment in full. I was and still am not able to make a one-time payoff. I repeatedly asked to be able to pay a portion of it and at first she talked in circles then she agreed to let me make a payment, then she told me that she would mail me the information that I needed to make the payment ( password, pin, etc ). The first week of  XXXX  I received a letter from a law office regarding said debt. Now I not only owe the amount due but also the legal fees which total {$120.00}. I feel that CBS violated the law by not providing me with information that I asked for and that they agreed to send me, on   XXXX   XXXX  . For what I understand I should have received something from them within one week of our conversation, I did not receive anything. They claim to record every single phone call so record of these events should be attainable. I feel like I am being taken advantage of. Please advise me on how to handle this without obtaining further charges and overwhelming frustration. I am still a low income,   XXXX   XXXX  . I have full-time job but my net income is only {$25000.00}, this amount is barely enough for me to make my ends meet as it is. I am doing my best to correct my past and protect my future. Looking forward to hearing back from you.
Consumer complaint received 2023-08-11
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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.