davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Business Credit Report have 4 Fraudulent UCC1 's that's been proving to be Unauthorized, and non accurate, The California Secretary of State have deemed all 4 UCC1 's as fraudulent, and all 5 UCC3 's Termination are approved, and applied. All 5 UCC3 's Termination Documents are attached. The XXXX XXXX Sheriff Department Fraud Department are contacted, and the LA Sheriff Identity Theft Report are attached.
Consumer complaint received 2023-04-12
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  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 2023-02-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/23, I requested to transfer funds from my HighYieldSavingsAccount at Bread savings bank ( online ). The transfer was blocked by Bread citing security concerns. The message on their website requested me to call them. On XX/XX/23, I telephoned and clarified that the internet access was made using the XXXX, thus, it showed accesses were made from foreign countries but I was not traveling and it was just the XXXX. I was told that the issue was clarified and I could expect the transfer within 3-5 days. 

On XX/XX/23, one week later I still did not see the transfer. So, I called Bread and inquired. The messages show the transfer was received and should be processed within 1-3 days. 

On XX/XX/23, I still didnt see the transfer. I sent a message to Bread and inquired. Their rep replied that the transfer should be completed EOB on that day ( XX/XX/23 ). 

On XX/XX/23, I called Bread and requested a closing of this account due to the inability to move funds out of the account. The rep told me she would process the closing request and send out the funds to my linked account. 

On the same day, after the rep told me the closure of account and transfer of funds should take place, I saw a message requesting the verifying information on the bank account I requested the funds to be transferred to. I ca

ll Bread again and told the rep I uploaded the requested information. She reviewed the bank information and told me that the uploaded document should satisfy the request and account should be closed and the funds should be transferred. But I still see the funds still sitting at Bread a
ccount. Nothing has been done since XX/XX/23. They will not release my funds and close the account.
Consumer complaint received 2023-02-23
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. (TX)

Experian is allowing XXXX XXXX XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is a 3 month difference. The proof Im providing is directly from my credit report. Due to the reporting of inaccurate information I want the account deleted.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I got paid from my boss XXXX XXXX XXXX. I deposited the che k into my business account XXXX XXXX XXXX. Now my business account has been closed due to fraud. The bank said the check was fake. Me and my boss called the bank together to let them know that the check was real and approved. My account still hasnt been reopened and my money hasnt been released.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Andrews & Cox, P.C. (AL)

ACCOUNT IS PAID IN FULL. XXXX XXXX IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX
Consumer complaint received 2023-09-06
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: CITIBANK, N.A. (FL)

I had originally filed a compliant with CITI ( XXXX XXXXXXXX ) regarding a dispute that was unintentionally withdrawn but was for a service never delivered ( for {$400.00} ). After making the complaint with CFPB, I received a response letter from CITI on XX/XX/XXXX indicating that the dispute was permanently credited to my account. However, the amount of {$400.00} was never credited to my account. Thus, the issue has not been resolved. The other dispute ( also for {$400.00} ) is still pending ( as indicted in the letter ), but I did receive a credit for that dispute. Despite multiple calls and being told the credit would be applied to my account ( before the statement payment deadline of XX/XX/XXXX ), it has not. I just spoke with a XXXX today ( XX/XX/XXXX at around XXXX ), and she told me she was just assigned this case ( even though it was assigned to someone else in the past ) and will not have any further information from me until XX/XX/XXXX.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I'm writing regarding an incident that occurred in 2010 with WELLS FARGO. I qualified for a HUD and went through the process of purchasing a home at that time, for XXXX in XXXX California. We had submitted all documents, we had given our deposit all we were doing was waiting for the keys. WELLS FARGO goes to tell us that there was an error on their end and we have to freeze the entire sale and wait 60-90 days before we can go through the process of purchasing the home. We lost the house. I had no idea this was something I could submit a complaint about until I began to hear about the lawsuit against WELLS FARGO. This was a big purchase and a massive loss for an opportunity to own a home at that rate.
Consumer complaint received 2023-09-06
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)

I HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 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 TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

I have a credit card from CB/CAESARS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/CAESARS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/CAESARS with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2023-06-21
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. (NV)

XXXXXXXX XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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.
Consumer complaint received 2023-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 as youll see in XXXX of the attachments Wells Fargo was sent all of the required information and was also advised that my late mother XXXX XXXX to whom was also on the mortgage is now XXXX. And that were currently in the court proceedings and once I gets the money myself and Wells Fargo can finally move fwd however as you can see in their own response they can careless. And I gets a letter from them which is also attached in reference to my new Mortgage Payment amount thats due on XX/XX/2023. But yet they has my home scheduled for XXXX on XX/XX/2023. To which is a total contradiction on their behalf
Consumer complaint received 2023-10-04
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit 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: Experian Information Solutions Inc. (NC)

I have not supplied proof under the doctrine of estoppel by silence, engelhardt V Gravens ( MO ) 281 SW 715,719 I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED (CA)

I have already received a similar notification from your company with the same amount with a different case number. The previous case number XXXX was closed after I submitted my first complaint on XX/XX/XXXX through CFPB to both NCSPLUS INCORPORATED and A XXXX XXXX. The new claim number is XXXX with the same amount. Please stop harassing me with these notifications. Here is what I already submitted : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- sent on XX/XX/XXXX YOUR COMPLAINT I received the invoice for the amount of {$1700.00} dated XX/XX/XXXX after 2 years of no communication from A XXXX XXXX XXXX. We had an agreement that I will be paying a monthly fee of {$85.00} which they decided not to charge. They have my working credit card information on file that I provided and they previously charged on XX/XX/XXXX and they could have charged the monthly amount we agreed on. They have not contacted me for about 2 years and I received an invoice for {$1700.00} on XX/XX/XXXX threatening to send me to collections. I will like to receive a verification of the debt A XXXX XXXX XXXX is claiming that I owe so please send me a detailed account statement. Also, please send me an explanation on why my card wasnt charged {$85.00} monthly as originally agreed upon. The credit card that was last charged is a working credit card. If A XXXX XXXX XXXX lost my credit card information, I will like to know details on why and how my credit card information was lost. I sent an email to A XXXX XXXX XXXX requesting to get an account statement to verify the debt on XX/XX/XXXX with no response. I sent a certified mail requesting to get an account statement to verify the debt on XX/XX/XXXX and it was received on XX/XX/XXXX with a signature verification but I did not get a response. I filed a claim with CFPB on XX/XX/XXXX with no response. Then I received a letter from NCS incorporated on XX/XX/XXXX to collect a debt that I have been trying to verify. I need a clear explanation why A XXXX XXXX XXXX is ignoring my request to verify the debt, why they did not continue to charge the monthly {$85.00} we agreed upon, and what happened to the working credit card information that was last charged on XX/XX/XXXX.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account.
Consumer complaint received 2023-09-06
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. (AR)

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.

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.
Consumer complaint received 2022-12-07
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. (AL)

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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.

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., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I was charged twice a WEEK ago - one went through and the other is still pending!!! I was told by Truist basically tough, XXXX cant even close my account because this extra pending charge has it me negative. I want this reversed so I can close my account. I have NEVER in thirty years ever had an issue like this with my credit union and want out from Truist. They expect me to do their job and definitely arent watching out for customers.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my diaper bag was stolen from my car. As soon as I found out cancelled all my credit cards and debit card and got them replace. A week later on XX/XX/XXXX Chase branch XXXX and XXXX here in XXXX TX called me saying someone had tried to cash a check with my driver license and that the person saw they were taking long and run away. The person left my identification and check with them but had already cashed 2 checks with them.The Chase manager from that location recommend me to go the nearest location and get this resolve. I went to a XXXX TX location and the person who help me made a new account and they transfer all my funds from the old account to the new account. The next day on the XXXX of XXXX chase had already taken out my money away from the 2 checks the theft cashed. How was it possible for the teller to cashed the checks with my ID to someone else, that person didnt do her job right! Chase decided to closed my new account as well and left me with no money, they said Im going to receive a check when ever they think the issue is resolve. I need my remaining funds plus the returned checks that I didnt cashed. I have bills to pay and its already XX/XX/XXXX.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (SC)

I contacted this business and asked that they credit my account {$16.00} and close my account. Per XXXX XXXX XXXX online customer service, my account should be credited 3 to 5 business days. I have attached the chat transcript. My balance should now be XXXX, but this company refuses to credit my account... I have paid all interest charges and the balance left over is from merchandise that I returned that I never received
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-09-06
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: Onity Group Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.