davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NM)

Was mailed this card without applying, as an upgrade from another card. I've never used it but charges have been made on it out of country, I can't get ahold of the company, and now I can't access my account suddenly. There was a charge in XXXX or XXXX for {$40.00} some and in XXXX for {$160.00}. I can't say the exact amounts and exact dates because I'm locked out and have been unable to recover my account.
Consumer complaint received 2023-02-02
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. (CA)

Collections in my account that are not mine the companies reporting it are not licensed in California. The addresses and phone numbers for the companies are invalid I have disputed the information and Experian states it is verifiable and accurate but it is not accurate there is no way to verify. And they never told me how it was verified
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX  XXXX  XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

The company used my credit card to finance several loans, after receiving a cash deposit made by me. After a few months of being in possession of my new credit card the company began to harass and threaten my place of employment due to an unsuccessful/incomplete application. The error was caused by the negligence of the employees representing the company, yet they blamed me as well as failed to communicate the issues with me in a timely and respectable manner. The company is trying to assume the position and steal my identity. The company has willfully ignored my demands for settlements, refused to surrender my property as agreed. They have refused to return the full amount of the cash deposit.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint regarding my experience with Chime, a financial institution. On XX/XX/2024, I received notification that my Chime account was placed on hold due to suspicious activity. The notification advised me to contact customer service immediately, which I promptly did. 

During my initial communication with Chime 's representative, I provided all requested forms of identification for their investigation. I was informed that I would receive an email response within 24-48 hours regarding the status of my account. However, despite their assurances, I did not receive any communication from Chime within the specified timeframe. 

On XX/XX/2024, I contacted Chime again to inquire about the status of my account. I was informed that my account was still under investigation and that my request would be forwarded to their specialist department. Once again, I was assured that I would receive a response via email within 24-48 hours, with reference # XXXX. 

Unfortunately, the promised resolution did not occur within the designated timeframe. Subsequently, on XX/XX/2024, I contacted Chime once more. This time, a new representative informed me that the documents I previously provided had expired on their end. I complied with their request for new identity verification, and I was informed that my account would continue to be handled by a specialist. I was once again assured that I would receive a response within 24-48 hours via email, this time referencing # XXXX. 

The extended delay and lack of communication from Chime have caused significant distress and inconvenience. As a consumer, I expect timely and transparent resolution processes from financial institutions. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Chime addresses my concerns in a satisfactory manner. 

Please let me know if any additional information is required to proceed with this complaint. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, Customer 'A '
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-02-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/DEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$34000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX Account number private, Balance {$870.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number private, Balance {$13000.00}, Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

We made a purchase for concert tickets and immediately began receiving notices about multiple fraudulent transactions. We contacted Chase immediately and they issued us a new card and removed the charges. A few days later, we received a package in the mail we didn't recognize. It was just part of one of the fraud purchases. We held onto that box for two months before throwing it away. Soon after that, Chase re-instated the charges, over {$1800.00} worth. They say " we received benefit from this transaction '' as their reason for denying the fraud charges. We have pleaded with them that we did not make these charges and only received one package. They say they denied all 4 charges because they all had a shipping address for our home. They will not let me talk to the investigator doing the work, will not provide any proof of items shipped to our house, and only respond with unsigned letters in our portal so we never really know who is working on our case.
Consumer complaint received 2023-02-10
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. (GA)

I have been disputing with XXXX, Experian ad XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All 3 credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ).

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX with Account Number XXXX - This account was deleted from Experian and XXXX is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) XXXX was notified by Experian that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from XXXX and Experian and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how Experian and XXXX are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. XXXX is reporting XX/XX/XXXX while Experian is reporting XX/XX/XXXX and XXXX is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (MA)

Former XXXX Loan was sold ( without notice ) to XXXX XXXX as of XX/XX/year>. The new loan number does not correlate with my prior loan info. I have also not been able to create a profile with this servicer as they only provided a toll-free contact number. No email address or customer service chat option. It is inconvenient and perhaps purposefully obtuse. The issue ( s ) with setting up an account include " password error '' and " last name doesn't match records ''. Nothing on my loan has changed other than this servicer. I require prompt communications as this issue prevents my timely mortgage payments. 

Freedom mortgage needs to fix their website as well as provide appropriate customer service communication options that are consistent with the year 2024. 

Also, the loan transfer welcome letter states that all billing info will be sent electronically. I did not opt for electronic correspondence as I want my mortgage information in physical form sent via US Mail. To that end, I want all my documentation and future correspondence released via US mail and I want my account created so that I can manage and secure my mortgage. 

The matter is time-sensitive.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Equifax is not reflecting any of my credit card history - indicating that I have no credit at all. Both XXXX and XXXX reflect accurate credit history over 3+ years. Contacted Equifax directly XX/XX/year> and was told to contact XXXX XXXX suspecting issue was on their end. Contacted XXXX XXXX where representative confirmed Equifax was not sending credit history - was told by XXXX XXXX it is clearly default on Equifax, not XXXX XXXX. XXXX XXXX representative confirmed XXXX and XXXX were sending credit scores, but nothing from Equifax. 

This investigation started when I was denied rental - the Adverse Action report stating reason for rejection was no credit history, records being pulled from Equifax.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This an account that was closed by the original creditor and then purchased by Portfolio Recovery Associates back in XXXX. The derogatory remark was supposed to have being removed from my credit report in XX/XX/XXXX then for whatever reason it was then bumped up to be removed in XX/XX/XXXX. I tried disputing this with no luck and when i called XXXX they said this is on record till XX/XX/XXXX because the shady company Portfolio Recovery sent incorrect information to XXXX to purposely have the incorrect information linger on my credit report for another 6 years. Portfolio Recovery is disgusting company that should be banned and put out of business for the underhanded things that they practice and do.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Previous Address ( es ) : XXXX BOX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXXXXXX XXXX XXXX  Also Known As : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I got this loan ( my mom was there, which is why it's the priv loans ) for XXXX XXXX for XXXX XXXX XXXX. my mom has been paying it back, with and without forbearance and delayed, and what have you. the total of the loan ( maybe 5yrs ago ) was arounf XXXX XXXX!!!! WHY?? how is it possible to be paying something off and the original loan amount jusy gets higher. what are we paying for, for almost 20yrs, that increases instead of decreasing while being paid?? also, they're hard/difficult to deal with when you call them for help. also very pushy when you're talking to them. also increasing monthly payments only to not put payments towards lowering the loan.
Consumer complaint received 2021-09-18
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. (CT)

Certified Letter sent to the Credit Bureau to remove the following items because of inaccurate and incomplete reporting of the following companies on XX/XX/XXXX. 
XXXX Funding $ XXXX XXXX  XXXX XXXX {$57000.00} on XX/XX/XXXX XXXX  XXXX XXXX {$220.00} on XX/XX/XXXX They have violated federal law by not properly investigating within the required timeframe, and failed to provide me with a copy of any viable evidence and continue to verify inaccurate items. They are noncompliant and have not deleted the items from my credit report.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OR)

The business is Western Union I used their web site to send money to phillipines. 
The first transaction went through fine The second was larger transaction and it was delayed because of??? They say lack of information. 
I answered their questions but the money did not go through. 
I called my family they still have no received the money. They received the first transaction ( XXXX ) but not the second ( XXXX ). 
I have been trying for three days to comply with WU. Without success I am angry because the family can't work ( pandemic ) so they depend on me.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

On XX/XX/23 and XX/XX/23 Jefferson Capital System opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer.

I do not know who they are and have not written consent on my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SET Financial Corporation (SC)

*GLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices.

Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting. 
I request immediate steps be taken to halt any unauthorized sharing of my personal data. I also require a full account of how my information has been used and evidence of the companys compliance with the GLBA
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have already disputed the account, but it was a result of identity theft so the debt collectors were able to verify that yes my information was used with their company or the company they bought the debt from, but I did not consent to this nor did I have this account. I tried contacting the company, but they only wanted to communicate by phone, not written communication like I had requested in my initial email to them regarding the fraudulent debt and derogatory statements reported on my credit report.