davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I closed my Forever 21 credit card account, which is through Comenity Bank on XX/XX/2023 after only having it for 6 months and making 1 purchase in the amount of {$21.00}, and being charged astronomical late charges when I was unable to login to my online account to make payments and not receiving the statements by mail or email as requested, after I closed the account I received the attached correspondence from a representative of the Customer Care Team confirming that my account was closed and the balance was XXXX at that time. A short time later I receive an email saying I had a balance due on a closed account, and started receiving harassing phone calls all day long, all from different phone numbers. They now have a balance of over {$180.00} in late charges due on this closed account, they are affecting my credit score and continue to call on a regular basis. Never have I have seen a company with so many complaints, from the XXXX XXXX XXXX, which had over XXXX complaints, on their XXXX page and all over the internet. This company is ripping people off and must be stopped, how can they continue to stay in business with the work ethics that they have? I have tried to speak to them, they acknowledged the balance was XXXX when it was closed, but say that the charges were added the same day the account was closed.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NM)

For years ending in 2011, we had problems with Wells Fargo in regards to unfair fees being charged. We also had a mortgage with Wells Fargo and feel we had to unfairly be forced to have a short sale. 


Names are : XXXX and XXXX XXXX XXXX and XXXX Thanks and please advise.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NJ)

I got Robbed in tennese XXXX XXXX in my house and i have lost every thing including my credit cards and documents a d certificares and id proofs so depending on that some one tried to apply for credit cards on my name and ssn and they we rejected the application by companies and i have lost my credit score completely and my credit is locked and i cant even apply for any loans or credit cards due to this issue please clear my profile and make my credit to lool good. 
No actions taken by banks and credit card company and fruad applied new credit cards recently. 

I am attaching my police report number -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: CITIZENS FINANCIAL GROUP, INC. (VA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Old Address : XXXX XXXX XXXX XXXX, VA XXXX Phone Number XXXX Line of Credit Starting Numbers XXXX In XXXX of XXXX I wanted to purchase an XXXX for my family. These were hard to find during those days so I was super excited to find out XXXX had a bundle I could purchase. I had the money to purchase this item but the only way of getting the XXXX was that I needed to finance it. Even though I had the full payment it stated that the only ones available to purchase I would have to finance. Since these took months to come out and I had to be exactly on the website at the exact time I went ahead and did it. I figured once I financed it I would be then able to go through the website and just pay it off. It asked me for an initial payment that would pay so many months in advance but only gave me the option to pay up to 2 months or so. I received my XXXX and set it up for my family. I never received any bills in the mail for this and never got an email or any way of making payments. In XXXX of XXXX I had a death in the family and had to travel. In XX/XX/XXXX, I got a phone call and I was surprised to hear that a XXXX dollar payment per month was 2 months past due so I told them I would make the payment and pay it off. They wouldnt let me pay everything off. I had to pay monthly. I think this is some type of scam to not let me pay the full balance off of such a small amount!! I told the person on the phone that this better not hit my credit report and they said no worries this doesnt go on your credit. I made the payment and they gave me the website to make payments and sent another bill in the mail as I hadnt received anything. I need this removed off my credit report as soon as possible! I feel as though I was duped into financing this when I could have paid this off at any time! I havent had late payments on any bill.houses I have owned, cars I have purchased, all other credit cards that I have had for 20 years and you are going to lower my credit score for some XXXX purchase? This is unacceptable and I will be seeking a lawyer if this isnt resolved. Lastly, this had to be inserted in my credit report very recently as I have bought 2 houses and a brand new XXXX since that point in time and nobody has ever even asked me about this so you must have reinserted this into my credit without my knowledge which is illegal. This had not been reported in years. I want this removed from all 3 credit bureaus immediately. I need this removed off and a phone call of how this will be remediated.
Consumer complaint received 2023-06-29
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. (MI)

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  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.
Consumer complaint received 2023-02-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-31
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-31
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. (PA)

XX/XX/XXXX2022 I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE XXXX ARE FURNISHING WITHOUT PERMISABLE PURPOSE.
Consumer complaint received 2022-10-19
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. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to the Credit Reporting Agencies to request once more to investigate my Credit File since I believe that the Credit Bureaus have not yet done their most effort. I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit reporting Agencies. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus once more, for more information regarding these particular accounts in question : XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-29
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. (KY)

I recently disputed the information on my credit report as being incomplete and/or inaccurate. I have received my results from the reporting agency that all information was complete and accurate and after I view my result I can see and prove that its still incomplete and/or inaccurate. I will provide to you what I have received from Experian after I ask for verification of accuracy. Its obvious that the reporting agency did not do a thorough investigation because they would have all the number and information to put in my file. The balances and incomplete on my report which leads me to believe that the agency did not follow the proper procedures. I ask that the CFPB investigate this finding and have the reporting agency provide documentation for each account that has missing information and is said to have been verified the them.
Consumer complaint received 2023-02-20
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. (MS)

On XXXX XXXX Ive discovered multiple fraudulent credit card accounts, mortgages, and auto loans etc in my name. This is totally a mess these are accounts that are not mine someone has stolen my information and had accounts opened some resulted in charge offs. Ive never even heard of majority of the banks or whatever they are. THIS IS IDENITY THEFT! Anyhow, these are are the account that are fraud, as well as the dates the the fraudulent account we opened. 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 XXXX. These are all FRAUDULENT ACCOUNTS OPENED IN MY NAME WITH MY CONSENT!!!!
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/21, my friend 's XXXX account was hacked and someone pretending to be her asked me for a favor to send cash to someone named XXXX XXXX on her behalf. We would settle it out the following day, but she just needed me to send the money at that time. The message was not desperate in nature and sounded very reasonable, so I proceeded to make two XXXX payments to the person she requested, the first for {$450.00} and the next one for {$1000.00}. After sending the second request, the person requested more money alerting me that this was a scam. At that point I called my bank, Chase and told them about the incident. They recommended I file a police report, which I did, but stated they could not do anything to stop the payment. I find it unacceptable that an institution like Chase would not carry insurance to protect customers from fraud and that a cash app like XXXX is not willing to protect customers from fraud. As of XX/XX/21, Chase has denied my claim to refund the money despite filing a police report and alerting the bank at the time I was defrauded. Chase should not recommend the use of a cash app to its customers which does not protect customers from fraud. Chase stated they could only remediate the issue if they conclude that the money was sent to the " wrong recipient. '' In this matter, the money was sent to an unintended recipient from which the bankXXXX should seek to get the money back from or cancel the payment. 

Incidence was reported to XXXX Police Department on XX/XX/21 XXXX XXXX. XXXX took the report cell : XXXX office : XXXX Case Number : XXXX
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LOANS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

XX/XX/2023 {$30.00} swept from child savings account in to personal account. Requested PNC bank to remove the overdraft feature from my child savings account XX/XX/2023 along with activating bill pay feature. Bill pay was resolve but the overdraft protection was not causing my childs savings account to deplete instead of denying transactions via personal checking. PNC Bank picks and chooses transactions they deny and sweep from childs savings account. I asked repeatedly to stop this feature and just to decline the transactions if there arent any funds in my personal checking account.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # 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 bymore than seven years.
Consumer complaint received 2015-08-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CT)

My husband and I applied for mortgage assistance through our lender, Selene Finance, on XX/XX/XXXX. Our mortgage company contacted us yesterday, XX/XX/XXXX to tell us that we have been denied and that the reason for denial is that we do not make enough money to get assistance. We were told that our investor, XXXX XXXX, had made the decision to deny us ( which is untrue because it says right on the XXXX XXXX website that they are only the guarantor and do not make decisions of this caliber ). When I asked for the phone number for XXXX XXXX so I could call them, I was provided with the XXXX phone number and was told it was the HUD phone number. My husband and I have been going through some serious mortgage issues since about XX/XX/XXXX and every time we 've gotten close to having our issue resolved, our company has been seized by the government and we 've been transferred to another lender which has forced us to begin the entire process from scratch each time. We currently owe about {$240000.00} on a house that is only worth about {$150000.00} and we were looking for " HAMP '' style help to reduce our principal. My husband and I both work full time and we are both veterans. How is it possible that we do not make enough to receive assistance? If we made more money, we would not need assistance.