davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (IL)

There were unauthorized charges on authorized users card that should not have went through in excess of the 20k spending. I contacted American Express while the charges were pending. A representative of American Express informed me the charges would not go through due to the spending limit. American Express allowed another 20k+ to go through. When I called back they kept stating a manager would call me back and a manager never did after numerous requests. Amex pushed my account into default and refused to review the account to reach the correct outcome.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

In accordance with the Fair Credit Reporting Act ( XXXX Acct XXXX XXXX ) has violated my rights.

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2019-12-23
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. (TX)

Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Also the inquiries on my Police Report.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CO)

I paid off my Chase XXXX Auto loan on XX/XX/2024 and the payment cleared on XX/XX/2024 per what the bank representatives I have spoken to said. They refuse to provide me with a letter of loan satisfaction/lien release for the paid and closed loan and are refusing to release my title to my vehicle until XX/XX/2024. I need this title to sell the vehicle and Chase Auto is continually refusing to release until XX/XX/2024, 13 days after the payment has already cleared and the loan satisfied and closed.
Consumer complaint received 2023-01-23
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. (VA)

I received a bill in 2018 from XXXX XXXX XXXX XXXX for XXXX I reported that it was not my bill because it is a bill for a XXXX XXXX XXXX which is not me. I told their billing that all my medical concerns go to my medical insurance ( XXXX or XXXX ) and that it should be sent to them. they called me back and said it was rejected by both insurances. I said, of course because I am not XXXX, XXXX XXXX. They ignored me and put this bill on my credit. i have continued to fight this through the years constantly saying this is not my bill, I am not XXXX, XXXX XXXX, never have been and never will be. When ever I have a medical concern i always send it to my medical insurances. no one has listened to me through the years. so I am now coming to you. 
This bill has been listed on my credit XXXX and they keep updating this account to make it a recent legal account which is not in my name. Tried calling creditor about this account and they refuse to take it off even though it is not mine. i called the credit reports about this and they refuse to take it off also even though it is not in my name and it is not my bill.
Consumer complaint received 2019-12-23
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. (FL)

This item was not proven and was supposed to be removed from my credit report per the letter that was sent. XXXX, XXXX XXXX XXXX XXXX sent a letter stati that the item will be removed within 30 days XX/XX/18 and the item was put back on my credit report. I will attach the letter below.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (VT)

I tryed to transfer money from XXXX XX/XX/XXXXto etrade bank. Transaction did not go thrue and etrade bank put restrictions on my accounts and making unreasonable demands. 
I already call on phone and send documents they requested but they started demand new statements after it
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the XXXX breach. in 2018 I received notices og being placed on the dark web.and Experian 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next two. I let all three CRA 's know about three accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC (VA)

my mortgage company just called me and said XXXX XXXX put a lien on my house on XX/XX/XXXX never knew about no correspondsents about any credit card payment or court it was filed on XX/XX/XXXX why did this take so long and then i applied for a XXXX  XXXX 4 months ago and got one i called XXXX  XXXX and was told by them they never put judgements or liens on peoples home now i have a lien and it will take longer for me to get a reverse mortgage because i was told of the so after 12 yrs i find out about no i should not have to pay XXXX for a card i never even used credit that high something has to done for people who are on XXXX  have to suffer for something i knew nothing about
Consumer complaint received 2019-12-23
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. (MD)

After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my Equifax report and {$4400.00} on my XXXX report for an account that I did not open. After filing several disputes and requesting an investigation with Exquifax and  XXXX to have the inaccuracies removed, I found that Exquifax and XXXX continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, Equifax and XXXX failed to compel said debtor ( s ) to  provide proof that the account was opened by me.
Consumer complaint received 2023-06-27
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)

Inquiries I did not authorize or give permission in writing. 
XXXX and Equifax Credit Reporting agency XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2022
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (LA)

I opened an account with Santander on XXXX an as of today the account is listed as current with all XXXX bureaus with the exception of XXXX late payment notations. The problem with this is I never provided written authorization for Santander to communicate any information personal, nor business related and in Pursuant to Title 15 U.S.C. 1681a ( d ) ( 2 ) I should have the final say as to what's being published on my consumer report.
Consumer complaint received 2023-05-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

On XX/XX/XXXX I went into the TitleMax of Georgia on XXXX XXXX XXXX XXXX  Georgia XXXX and I made the total final payment of {$1900.00} and that brought my accounts with XXXX balance I have the receipt which states that the account was paid in full and it stated that the title should be returned now once I did that and I went to the DMV they gave me a problem with getting my title with the lien removed because it says that I still have a balance owed. This company has deceptive practices and is trying to keep my car title by overcharging me on a loan that they provided After I came in to pay off the balance I tried to speak with corporate and that to was to no avail. This is my last resort
Consumer complaint received 2019-12-23
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)

Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX, DE. # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Also the inquiries on my Police Report.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

I had a savings account with WellsFargo. The account was earning .25 % APY. The bank has a special promotion that if the customer deposits a minimum of {$10000.00} into the savings account the entire balance will earn 4.6 % APY for 12 months. To date, the account has not earned that interest rate.
Consumer complaint received 2023-01-23
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: ENCORE CAPITAL GROUP INC. (IN)

I previously reached out to Midland Credit Management, about an account they are inaccurately reporting on my consumer credit report, when discussed in chat about my dispute and the need for the account to be reinvestigated. I was told that they had reinvestigated on their end and they didnt need to provide me with the results. I am sure that this account is not mine and under consumer laws Im in my rights for asking that the account to be removed.
Consumer complaint received 2023-05-13
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. (SC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX/XXXX/XXXX  I cashed a check into my Capital One account via the mobile app for the amount of {$2500.00}. I did this only because my primary bank was not open at the time. I got a email from Capital one saying that the funds will be retained for another week until they Can very the check and that it is a valid check. I called Capital one to inquire about this and why are my funds being withheld. They said because the check was written over due to a mistake they will not release the check and need to speak to the remitter of the check. I informed them that this is not the first time I have cashed checks into my Capital on account that there is no need to verify the check that I have never had this problem before. They then said we will be ending the banking relationship with you because we are unable to verify the check. I dont have this problem with my primary bank they simply cash the check into my account without questions. XXXX  XX/XX/2023 I called back to Capital one to verify the status of my check. The representative informed me that the check has not been returned and it has deposited but they still need to speak to the remitter. I said if the check has not been returned and it has been more than a week since I have cashed it into my account then why is there need to verify the check. Obviously the issuing bank of the check has deem it valid and released the funds. Capital one still refuses to release me my money and give me access to my account. I feel discriminated against and wrongly treated by Capital one. I will also be seeking legal help to explore what actions are available to take against Capital one for this discriminatory service and treatment.
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (PA)

Last month I requested information about this alleged debt from Deville, and they refused to provide it, telling me over the phone ( which I requested that they do not call me ) that I was the debtor and that I needed to pay or face fines, imprisonment, and judgments! Another collector told me they were an authorized court agent and told me to set up payment arrangements with them!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA Provisions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/2020. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with XXXX and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, XXXX has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found. 

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like XXXX, XXXX provide accurate information to the credit bureaus and to correct any inaccuracies once identified. 

Given the clear discrepancies between XXXX  reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for XXXX to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

On year 2020 when the pandemic was at the tip in point I have to overdraft the account for emergency reasons and couldn't pay back on time and the bank started to harassed me to collect the debt payment but I wasn't able to pay at the time cause I lost my job because of the pandemic
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC (CT)

I filed Bankruptcy on XX/XX/XXXX and included XXXX  in the bankruptcy, the bankruptcy was reopened again on XX/XX/XXXX, by the bankruptcy judge, I have been in the phone with XXXX   customer Service Representatives several time trying to get the bill adjusted to the corrected amount, unfortunately the representatives are not from the United States so they could not advise what department could help me in adjusting the amount owed to the correct amount. I never received any correspondence from sunrise regarding this account and I am not sure why Sunrise collection agency listed this debt on my credit report without investigating or contacting they just made my credit score drop. These people do anything without further investigating