davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

An employee stole a credit card from us and used it for several months, making hundreds of purchases for thousands of dollars... The card was not issued in her name and the personal charges were not authorized. During this timespan, it was discovered that our business card was also fraudulently used for about XXXX charges in XXXX XXXX. These fraud charges were made by making XXXX separate charges, all XXXX fraud charges were made in one day, roughly {$6000.00}. Wells Fargo fraud department did not catch this obvious fraud for the charges made in XXXX, and they also have refused to refund the money, actually they described the charges as authorized... 
After making this discovery of the fraud in XXXX. The employee who was fraudulently misusing the card to make personal charges called Wells Fargo impersonating the card holder of the card she was misusing, and fraudulently persuaded Wells Fargo to send her another card. Wells Fargo issued her a card, that was not in her name, but also they did not even verify if the card they were issuing was for a person employed by my business, which it was not. 
Criminal charges have been filed and the District attorney plans on perusing my case. But Wells fargo has refused to return the fraudulently stolen funds. 

There was another card that was fraudulently used by this person. XXXX has found that the charges are fraudulent and they have returned the stolen money to my business. However, Wells Fargo has refused to return the stolen funds.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I found the legal name of the court is incorrect in my credit files with XXXX XXXX, XXXX   and Equifax. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. XXXX  and Equifax both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. XXXX  continues to list the bankruptcy item in my credit file. Equifax has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 XXXX second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, XXXX  XXXX XX/XX/2019 XXXX and Equifax XXXX XX/XX/2019 XXXX credit bureaus.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Chime Bank has closed my account for no reason. I can not get any specific details to exactly why my account was closed and Ive provided my verification documents many times as well as my name phone number XXXX and email address XXXX I have no idea why my account was closed and then sent documentation to verify my identity which is me and chime still closed my account for a routine check up which makes no sense only thing I did with my account was add {$350.00} cash and pay a ticket. I didnt purchase anything else or enroll in any business products with my chime account or change any account information. Nobody can give me a straight answer and I rely on this account for my bills and other things.
Consumer complaint received 2024-04-14
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (SC)

I was a resident of XXXX XXXX XXXX XXXX in apartment XXXX for three years with a perfect record. I moved to apartment XXXX which was previously inhabited by XXXX, XXXX XXXX XXXX, who is a XXXX  etc. When I moved into XXXX with XXXX XXXX, I noticed that the floors were scratched, there were two fist holes  in the door that had been horribly covered up, the oven didnt work and the laminate flooring into the bedroom on the left had been nailed down to disguise damage. Soon after that, I started getting very sick, with XXXX  XXXX  and so forth. After further inspection, the entire AC system was full of black mold. I contacted the office and they sent somebody out to spray some XXXX in the AC unit. Really! We requested to be released from our lease via email, in which I do have a email confirming the apartments at XXXX releasing us that unit with no penalties except XXXX for removing a couch. This debt collection from national credit systems is false. These charges are completely false and I have pictures, videos and emails from the property manager or assistant at XXXX to back it up! Because of the false allegations my credit score has dropped nearly XXXX points!! If this is not corrected ASAP by National Credit Systems, I will bring charges against them to the fullest extent of the law. Thank you!
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (SD)

There is a debt from XXXX XXXX with this company. I have contacted them I was able to pay at that time but they declined to take a debit card payment for the total amount due that day. I felt uncomfortable that the company may not be legitimate as it seemed suspicious a collection company is not able to accept a debit card payment to resolve a debt in full so I told them I would research them and make sure this isn't a scam. I have not reached back out yet. However, Credence is calling me about daily multiple times a day to my cell phone which I do know is legal. However, today XX/XX/2023 I received a call to my cellphone while I was working so I sent it to voicemail to not interrupt my work and credence immediately called back in less than a minute from the call I originally rejected. Now I am at fault for my debt however I will not accept being harassed and being repeated called when I am unavailable. I know hanging up and redialing in minutes is against collections regulations and I would like to report this behavior and make sure it is put to a stop. 
Company - credence XXXXXXXX XXXX
Consumer complaint received 2023-05-16
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. (GA)

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX Account number XXXX Closed Date opened XX/XX/XXXX XXXX
Consumer complaint received 2018-03-21
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: Experian Information Solutions Inc. (NY)

XX/XX/2018 I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

Card was blocked 2 times in 1 day and is still currently blocked as Im on the phone with Citi Fraud protection. I have given them my phone number to verify but it doesnt work because phone number isnt under my name..which doesnt make sense because XXXX line is under my name. They dont want to use my ssn, my address, or any other way to verify me and want me to wait 5-7 business days for a letter to verify me. 

What a XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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)

I am submitting this CFPB Complaint to you today to inform you that you have failed to comply with my request and you continued reporting the fraudulent accounts and information on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to my identity being stolen. However, upon checking my updated Credit Report, no changes were made and that the disputed accounts and information are still being reported! This action of yours is a clear violation of my consumer rights under the mentioned federal law. I need you to remove the following items completely from 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 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. If you believe that the disputed accounts and information belong to me, I need you to send me copies of proof of verification or any documents proving your claims. I would also consider you sending me copies of results of your investigation. If you can not send me any of these documents, it will be understood as deletion of the disputed items.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: POPULAR BANK (FL)

A court order directed Popular Bank, to transfer funds in my mother 's name to an estate account after her passing. Also in the account were checks deposited in my name in the amount totaling of {$87000.00} My funds have been tranferred and the bank has now closed my account PLEASE HELP This is the institution information Popular Community Bank https : //www.popularbank.com/ XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All 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 an 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 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I have repeatedly applied for HARP with Citibank without receiving a response to the reason that I was denied. I received an approval on a loan modification XX/XX/XXXX, paid six months of payments at {$2100.00} per month with a denial coming in XX/XX/XXXX. Citibank logged these payments to my account for all six months in the amount of {$2100.00} per month a difference of {$32.00} for each month on XX/XX/XXXX. I had a temporary loan modification for XX/XX/XXXX to XX/XX/XXXX in the amount of {$2100.00} for each month and a Disaster Forbearance for XX/XX/XXXX to XX/XX/XXXX at the amount of {$1000.00} for each month. My Mortgage went up from {$400000.00} to {$410000.00} instead of down the amount that I have paid from XX/XX/XXXX. Citibank took one payment of {$1800.00} on XX/XX/XXXX and one payment of {$1700.00} on XXXX XXXX for property taxes that XXXX County Treasurer have never received and are charging me for this. I have paid my property taxes in full XX/XX/XXXX. I am being told that Citibank is putting my loan on a variable loan program with a cap of 4.75 % not the 3.375 % that I was approved for in XXXX and have been paying all along but can not supply any paperwork for this agreement. Because of all of this holding of payments Citibank shows on my credit report that I am 90 days past due.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. " XXXX XXXX XXXX XXXX '' added late payment to my account that was false. Equifax assumed this role without permission not only that, they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 a number 4. Equifax did not exercise grave responsibility, they were unfair, they were partial. I'm taking the liberty to file a CFPB report and an attorney general 's complaint. Equifax never had a permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2020-08-07
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (DC)

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 and 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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested a re-investigation of my credit profile, on around XX/XX/2022, and some items were removed, and some items remain. I requested the the credit reporting agencies remove certain items as they don't have permission to report. Pursuant FCRA.
Consumer complaint received 2024-04-14
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: CLGF Holdco 1, LLC (PA)

I am writing to file a formal complaint regarding the debt collection practices and credit reporting activities of Milestone Credit Card and their associated collection agency.

I contacted Milestone Credit Card regarding a delay in updating my credit information after making a payment. Despite my timely payment, my credit was withheld for nearly two weeks. As a result of this delay, I requested that my account be closed and emphasized the importance of ensuring that the closure would not negatively impact my credit reporting. 

Although Milestone Credit Card closed my account as requested, I have recently discovered that they have failed to uphold their agreement to remove the account from my credit report. Despite assurances that the closure would not affect my credit, the account is still being reported, which contradicts the terms of our agreement. 

Furthermore, I disputed the inaccurate reporting of this account back in XXXX of XXXX. However, it has come to my attention that Milestone Credit Card has recently placed a derogatory mark on my credit report in XX/XX/XXXX, more than a year after the initial dispute. Utilizing XXXX XXXX XXXX, This action is unjustified and is causing significant harm to my creditworthiness. 

I am deeply concerned about the negative impact that Milestone Credit Card 's actions are having on my financial well-being. I believe that their failure to remove the account from my credit report and their unjustified derogatory mark constitute violations of consumer financial protection laws. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Milestone Credit Card and their associated collection agency. I also request that the inaccurate reporting be promptly corrected and that any derogatory marks be removed from my credit report. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your assistance in rectifying this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
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. (NY)

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 XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 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.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifaxXXXX XXXX XXXX XXXX did not modify or removed anything.

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.