davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I submitted a complaint to all XXXX, Experian, and XXXX and at the same time, the XXXX. The complaint is number is XXXX. 

The complaint was about how a creditor on credit file, XXXX XXXX XXXX, sent me a threatening and coercing letter to me ( included attached ) and Im a deceptive manner referenced laws that did not exist in an effort to stop disputing legitimate complaints on my Credit report. 

It has been 46 days now and XXXX XXXX XXXX has not responded appropriately, honestly, or diligently to the complaint filed on XX/XX/2022, complaint number XXXX. 

They have attempted to conceal the complaint time and time again and tag it incorrectly, falsifying a U.S. Government document and entering falsifying data into the CFPB portal which has deprived me of my right to due process time and time again, and has broken state and federal laws in this process and actions. 

It has been 46 days and CFPB has done nothing yet to administer this complaint properly- and the credit bureaus have done nothing. 

I am going to sue everyone if you. You better start doing your job.
Consumer complaint received 2023-10-30
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. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  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
Consumer complaint received 2023-02-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

The XXXX ACCOUNT THAT IS ON MY CREDIT REPORTING DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THE ACCOUNT. I HAVE PROVIDED PROOF THAT XXXX DELETED THAT ACCOUNT OFF MY CREDIT REPORT AND EQUIFAX NEEDS TO DO THE SAME BECAUSE THAT IS A VIOLATION. SEND PROOF THAT THIS DEBT BELONGS TO ME. EQUIFAX DID NOT RESOLVE MY ISSUE. THIS DEBT CANT POSSIBILLY BE MINE IF IT HAS BEEN DELETED OFF MY XXXX CREDIT REPORT. THIS ACCOUNT NEEDS TO VE REMOVED OFF MY CREDIT REPORT.
Consumer complaint received 2023-02-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Reached out to XXXX  for alleged debt through XXXX explained that this alleged that was not mine at all, and that I need to have verification of alleged it. If Im being demanded to pay a representative explained to me that that will be noted in the system, and that theres no need to validate a debt if you claim that is not yours. And never heard of an update of my dispute. Still, this company is reporting on my credit monthly
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ZuntaFi Corp (GA)

I had signed on to pay by loan for a company named XXXX XXXX with XXXX XXXX. I received the loan double the amount due to my race. The loan with XXXX XXXX through ZuntaFi was for a 90-day trial based on my satisfaction with the training. I explained to them have never received any training from XXXX XXXX. Still, I had paid ZuntaFi since XX/XX/XXXX. When I filed a complaint against XXXX with the FTC after speaking with their representative, XXXX XXXX, XXXX, who said she would try to assist me in getting a refund. She asked me to XXXX XXXX and spoke with XXXX at XXXX, whose number was shortly disconnected. I spoke with XXXX XXXX again, and she asked me to speak with XXXX XXXX at XXXX, XXXX 's main number. I received a text asking if I needed assistance, but no one ever contacted me when I told them that I wanted a refund because I had never received any training. 

Today, I called ZuntaFi XXXX, returning a call from XXXX from XX/XX/2023, at XXXX pm, who was busy, so I spoke with XXXX, who told me that I had already spoken with him, which was not valid. My loan had been transferred to another lender : XXXX XXXX XXXX, XXXX. She gave me their phone number, XXXX, to contact them, telling me they were my service provider. She stated that an email was sent to me on XX/XX/XXXX XXXX XXXX  to notify me of the change and that XXXX had spoken with me regarding the change, which he did not. 

Coninsendially, I noticed that my loan with ZuntaFi was double the amount requested. I am not sure if it was because of race, but I have no other things to measure it by since my credit is good. Therefore, I would like ZuntaFi to honor the agreement with XXXX to refund my money which has previously done by XXXX XXXX XXXX. I was only contacted via text today by XXXX XXXX XXXX  giving a phone number of XXXX with account # XXXX at XXXX am. It states welcome to XXXX on the text from phone number XXXX. 

I am an XXXX XXXX senior, and I feel as if I have been royally royal jellied and that there are no solutions to this mess. I filed a complaint against XXXX XXXX, adding XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-10-17
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: AMERICAN EXPRESS COMPANY (KY)

I have been going back and forth with American Express on a Fraud claim since the end of XX/XX/2022. I had hired a freelancer to help with XXXX ads back in XX/XX/2022. I stopped doing business with them in XXXX. In XXXX, I started receiving a big increase in XXXX ads I did not authorize on my Amex XXXX card. I contacted the freelancer who kept promising a remedy. The charges kept going. I did not dispute since I was hopeful the freelancer would remedy and I would not have to risk getting my card cancelled. I ended up disputing fraudulent charges in the amount of {$270000.00}. 

When the freelancer stopped responding. I had to reach out to American Express and filed a dispute. They have been terrible to deal with. They rejected the fraud case twice and have not been in contact with me except one time to communicate reason why it was rejected. I have no choice now but to file this complaint since I did not authorize these charges and can not afford to pay them. XXXX has stated that my name and billing address were not on the account despite the fact that my card somehow went through.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ACCOUNTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

I had tried to cash a check for my sister by endorsing it to myself and it went through but bounced due to the first name being different. I had no problem with this. I tried to deposit a money order I paid for myself and had my account locked for over a week now. Unable to access my money or anything. If my account can't be unlocked then close it. I need my money for everyday life.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX9 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX A ) XXXX XXXX : {$1200.00} XXXX XXXX ( XXXX Creditor : 01 XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF THE WEST (CO)

MASTERCARD STANDARD XXXX Current Balance : {$9.00} Credit available : {$250.00} out of {$300.00} I am having a constant problem with the bank of the west credit card secured I am not given ample time to pay because of their reporting system is lagged behind this is effecting the credit report that is allocated to this card.

i need some information or maybe the ability to pay this card as i am not even able to use this card a week before the date of bill arrives they do not give me an option to overpay or to pay the credit limits difference just the bill that is updated on a daily basis, however the credit is as you can see below the 300 mark is there someway that is can be resolved
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

To Whom It May Concern : I have an American Express XXXX Honors card. One of the primary reasons for paying the $ XXXX  yearly fee was that they offer a complementary hotel room certificate after charging $ XXXX to the card. This certificate is impossible to actually use. I would like CFPB to force AMEX to honor the cardholder agreement and force AMEX to honor the agreement as it pertains to this matter. Thank you.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Numerous past CFPB complaints have been filed pertaining to an issue of overdraft fees charged to accounts I did not authorize as well as a settlement offer made in regard to said fees. I was unable to view reply to a prior complaint and did not receive a response to second complaint made as result thereof. Wells Fargo rep, XXXX, did not address issues in initial reply, he only stated attempts were made to resolve said issues which is not true. Wells Fargo is fully aware of resolution, which is a refund in the amount of {$610.00} in overdraft fees charged to accounts, they have sent me mediation request forms as part of their reply in re, a total of four forms filled out and sent in thus far. Their claims dept denied refund request stating a check was issued prior which I did not receive. I had spoken with an XXXX XXXX in claims, she offered a settlement amount of {$3700.00}. However, no payment was received and she would not put offer in writing which I believe is shady. Additional complaints were then filed, Wells Fargo would not resolve them, their rep XXXX replied stating they made resolution attempts as stated earlier. However, this is not the least bit true as they are aware of resolution and will not comply. My refund request in the amount of {$610.00} reflects prior remedy refunds in the amount of {$50.00}, {$120.00} and {$85.00}. The total fees I show from statements is {$870.00}, I reasonably deducted refund amounts for a total of {$610.00}. Since no settlement check was received, their offer deemed bogus, I am back to demanding refund in this amount. Wells Fargo is fully aware of this resolution and their claims of attempting to resolve are entirely bogus. In closing, please advise Wells Fargo of final resolution, which is refund in the amount of {$610.00}. Failing this, additional complaints will be filed.
Consumer complaint received 2022-10-17
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. (TX)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to reinvestigate the disputed account reporting erroneous information on my Credit File. I am formally requesting with this CFPB Complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX Balance Owed : {$810.00} This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX CBNA
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a complaint against BOA for allowing me to be scammed by fraudulent lawyers.. the contact representative from BOA for CFPB complaints have not responded and listed an incorrect number for contact.the lawyers I paid never showed to court, BOA is allowing them to keep my money and not provide services
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

On or about XX/XX/2022 Synchrony was contacted concerning Generac and Care Credit card ( s ) and was explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- two cards had a total of about {$2300.00} ) instead 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' I have one card that I am certain I was paying the extra couple of dollars for insurance and was told " we don't insure our cards '' and one card I was almost one year ahead of paying off per purchase agreement... means nothing apparently. Same as my former employer-punished and penalized for being sick. It's sad that this country has become so sadistic and inhumane and heartless. Every one gets dealt bad situations. Worst part, the people on the opposite end of my situation if they get in a similar situation will expect everything in their favor and it still wouldn't be enough.
Consumer complaint received 2023-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (GA)

Great Western Bank ( GWB ) originated my Dept of VA loan on XXXX XXXX XXXX  as a result of its correspondent agreement with XXXX XXXX XXXX XXXX XXXX XXXX that the interest rate was guaranteed through this agreement as GWB did not keep these loan on its books. On XXXX XXXX XXXX GWB  did sale my loan to XXXX! The Note was endorsed to XXXX upon the sale and GWB had not further financial interest in the mortgage loan that belonged to XXXX who on XX/XX/XXXX, did a blank endorsement of the mortgage Note per XXXX XXXX requirements and relinquished the XXXX performed transferring ownership of the Note. So twice removed from ownership of the Note, GWB did violation Nebraska Statute 76-238 and delivered and record the Deed of Trust ( DOT ) creating a lien when in fact they were not owned a single cent as they been paid in full on XX/XX/XXXX. GWB admits to its failure of providing XXXX with the required titling information in which ownership of the debt can be attached to the property which was not done in this case. GWB after XX/XX/XXXX, never has the legal ability to record a lien against my property. GWB addresses its failure to provide XXXX the correct documentation at XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX Limited Power of Attorney ( POA ) created by GWB XXXX XXXX XXXX that was delivered and recorded at XXXX on XX/XX/XXXX.
Consumer complaint received 2019-07-30
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. (NJ)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

was not able to modify loan, belive it was discrimination, sold mortgage to XXXX XXXX XXXX for no reason house has needed repairs rhat could of been taking care of sent death certificate for my husband still on the loan I am elderly XXXX yrs old, my son realized that I was being taken advantage of