davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

This third party agency is in violation of my consumer rights by soliciting. This agency has furnished an account for me by fraudulently. As there is no binding contract or agreement this in fact is identity theft. Pursuit 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft .The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE. XXXX XXXX. {$130.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

My wells Fargo debit card was used to make multiple charges overnight while I was asleep that totaled to around {$200.00}. Wells Fargo has not issued a credit for this even as long-term customer over 10 years.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (FL)

My husband and I were getting mortgage from Citibank. We filled out application, locked the rate and, according to our mortgage broker Mr. XXXX XXXX, everything was OK. However just one day before closing Mr. XXXX informed us that he can not proceed with the morgage because we have unsufficient income to debt ratio. So, he made us to pay {$17000.00} ( 2.35 % of loan amount ) to buy extra point to reduce interest rate to 2.125 % ( See attached " Morgage Loan Commitment '' ) When closing finally came, Mr. XXXX increased our rate to 2.25 % ( see attached " Closing disclosure '' ) Please look into this matter.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IL)

I was playing professional basketball overseas and there were several unauthorized purchases & accounts taking out of my name which included an auto loan, credit cards, Affirm, XXXX XXXX XXXX loans. The total amount of the Affirm loan XXXX XXXX XXXX XXXX purchases ) is {$5100.00}. The dates the loans were processed is XX/XX/year> & XX/XX/year>. Affirm has sent a numerous amount of text and calls asking for payments for these loans and i have informed continuously that i was a victim of identity theft and i didn't make the purchases. I provided them with police report as well as a affidavit to show proof of identity theft. Despite those circumstances, Affirm has ignored those messages and continuously accused me of making those purchases. This has been a very stressful and strenuous process because i didn't make the purchases, i am a victim of identity theft, i have been ignored by then in regards to coming up with a solution and i even feel a strong sense of discrimination due to my XXXX.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After receiving my consumer report from Transunion, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent inquires and accounts, Transunion is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Transunion willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Transunion is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Consumer complaint received 2021-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

I have been employed as a XXXX  XXXX with XXXX XXXX ( Hawaii ) between XXXX to XXXX, before transferring to the XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. I am currently employed with XXXX XXXX  XXXX ) and there has been NO break in service. Despite submitting numerous " Employment Certification '' forms, I have been given the run around about my status and eligible payments under the Public Service Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF. I was additionally misled by the company about information regarding loan forgiveness and I am now liable for an excess of {$90000.00} worth of student loans. Basically, I took out additional loans thinking the current payments I was making towards existing loans was going to count towards additional loans I've taken out ( as a XXXX  XXXX ) for higher education. I later found out this was wrong and not only did they not count I had to start from the beginning on the new loans. To add insult to injury, numerous payments between XXXX and TODAY have not counted towards forgiveness, despite there being NO break in service. I've submitted multiple employment certifications which mysteriously seem to not explain that I have been a XXXX  XXXX since XXXX Numerous calls to the company resulted in many different excuses, but as of today I now have been assured my employment certifications check out and are up to date since XXXX. I will be waiting for another excuse as to why certain payments from XXXX to today have NOT counted towards forgiveness due to some mysterious universal force. I also disagree with the method of calculating the payments based on income, as police officers can sometimes have a lot of overtime, which is not guaranteed income.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (RI)

DISCOVERS VENDOR ; XXXX MISREPRESENTED THEIR PRODUCT AVAILABLE FOR SALE. I PAID THE XXXX BY DISCOVER CARD UP FRONT FOR THE MERCHANDISE. TWO WEEKS WENT BY SO I CALLED THEM TO ASK WHEN THEY WERE DELIVERING TO ME. THEY STATED THEY WERE WAITING FOR ME TO CALL, THEY DID NOT HAVE THE PRODUCT I NEEDED. THEY SAID THEY WOULD SUBSTITUTE ANOTHER TYPE OF MATTRESS. THAT WAS NOT ACCEPTABLE. AND, WHY DID N'T THEY CALL ME WITH THIS ISSUE. TO ME THIS IS A BAIT & SWITCH SITUATION. I WAS DISTURBED BY THEIR DECEPTIVE BUSINESS PRACTICE SO I TOLD THEM TO CANCEL THE ORDER. THEY TOLD ME THEY WOULD NOT CREDIT MY DISCOVER CARD, THEY WOULD ONLY GIVE ME A STORE CREDIT. THEY LIED TO DISCOVER AND TOLD THEM EVERYTHING I ORDERED WAS SPECIAL ORDER, WHEN IN FACT THEIR SALES GIRL TOLD ME EVERYTHING WAS IN STOCK. THEY ARE A CLEARANCE CENTER. MY HUSBAND HAS A XXXX PROBLEM AND HAS BEEN OPERATED ON ( XXXX ) TIMES. WE HAD TO GO TO ANOTHER COMPANY TO PURCHASE A BED TO CONFORM TO HIS NEEDS. DISCOVER ORIGINALLY CREDITED OUR ACCOUNT {$1200.00}. THEY THEN REVERSED THE CREDIT AND SAID THEY HAD NEW INFORMATION AND SIDED WITH THE VENDOR, ( WHAT NEW INFORMATION AND FROM WHOM? ). DISCOVER FOR A XXXX TIME CREDITED OUR ACCOUNT, ADVISED US NOT TO CHARGE ANY MORE ON THAT CARD, DISCOVERS RECORDED LINES STATED THEY SAID THEY WERE CANCELLING THE CARDS SO THE XXXX COULD NOT PUT CHARGES BACK ON OUR ACCOUNT. THEY SENT NEW CARDS AND FRAUDULENTLY STATED THIS WAS TO REPLACE LOST OR STOLEN CREDIT CARDS. THEY AGAIN REVERSED THE CREDIT OF {$1200.00} AND CHARGE IT TO THE NEW CARD. THE NEW CARDS THEY SENT HAVE NEVER BEEN ACTIVATED BY US. WE THEN PUT A COMPLAINT IN WITH THE ATTORNEY GENERALS OFFICE ON XXXX/XXXX/2015. I HAD NOT HEARD ANYTHING ABOUT THE COMPLAINT SO I CALLED THE AG OFFICE ON XXXX/XXXX/2015 IN RHODE ISLAND. I SPOKE WITH XXXX WHO INSTRUCTED ME TO THIS SITE TO PUT IN MY COMPLAINT. THIS PROCESS HAS BEEN GOING ON FOR MANY MONTHS. TO THIS DATE WE HAVE NO MERCHANDISE AND NO CREDIT FROM DISCOVER CARD.
Consumer complaint received 2019-11-22
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)

Experian is listing an account with XXXX  XXXX XXXX  that should have been removed some time ago. I filed a compliant with the State of New York Office of the Attorney General who did forward the information to the XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX did agree to have it deleted off my credit report. XXXX has already removed it yet Experian has not. I then decided to contact XXXX XXXX XXXX once again for help using the address that Experian provided under the creditor information and the correspondence was sent back. This is absolutely ridiculous. If Experian doesn't even list the correct contact information then how can they truly investigate this?
Consumer complaint received 2019-02-01
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: CORELOGIC INC (FL)

I had a hard inquiry on my credit report on XX/XX/2019 that i did not authorize company to look into my credit, I did not apply for any type of credit.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (OK)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2022-12-17
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. (OK)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputa
tion of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

Between XXXX of XXXX and XXXX of XXXX my my bank account transactions were {$190000.00}. I purchased 4 cars but feel some transactions were Fraudulant. My alerts were diverted and I question Chase at throughout the year. Chase has found no fraud and dismissed my complaints. The XXXX Chase bank has recently closed that branch. 
The person that I lived with but was not given permission to access my account abruptly broke off our relationship and left town. Selling her house and relocating to XXXX. She would not discuss any of my concerns and has not spoken with me since XX/XX/XXXX. 

The XXXX XXXX XXXX department said unless the bank finds fraud it is civil not criminal. I started the Banking with Chase {$240000.00}.
Consumer complaint received 2022-10-13
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: MOHELA (CA)

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 XXXX credit bureau to validate these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate the following reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX AL XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

[ See attachment for formatted text in pdf format. ] I pay my credit card balances to Chase on time, but recently I erred and sent my payment due on XX/XX/XXXX to the wrong company. Realizing the error, I sent my payment to Chase but it was four days late ( XX/XX/XXXX ). This triggered the imposition of a late fee and interest charges not only on the balance due on XX/XX/XXXX, but on ALL the purchases made during the subsequent billing cycle, the payment for which would not be due until XX/XX/XXXX. To make this more concrete, here is a table of the dates and amounts : BILLING PERIOD XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX Period Purchases {$7200.00} {$12000.00} Billing Amount {$7200.00} {$19000.00} Payment Due date XX/XX/XXXX XX/XX/XXXX Actual Payment date XX/XX/XXXX XX/XX/XXXX Amount Paid {$7200.00} {$12000.00} Late Fees {$0.00} {$40.00} XXXX XXXX {$0.00} {$240.00} According to the XX/XX/XXXX statement, the interest charge of {$240.00} is based on a balance of {$13000.00} at a rate of 21.24 %. In the period from XXXX to XX/XX/XXXX, I made a few purchases, but far less than $ XXXX, so when Chase received my payment of {$7200.00}, they subtracted that from the current balance of {$7200.00} + a few purchases to yield a positive balance. Because the balance is positive, they start charging retroactive interest on ALL the purchases in the XX/XX/XXXX to XX/XX/XXXX billing cycle. So they are charging interest on purchases made during a billing cycle that has nothing to do with the purchases for which my payment was late. Had I made my payment XXXX days earlier ( XXXX ), those same purchases between XX/XX/XXXX to XX/XX/XXXX would not have incurred any interest charges. 

This is a deceitful and outrageous practice. The interest charges should apply only to those amounts for which payment is actually late. Chase is charging interest on amounts that are not even due for payment until the following month. Now I imagine that the law allows them to do this, and I have written to my representatives, but I think the CFPB should play a role in curtailing these interest charges. 

In my specific instance, Chase was willing to refund the interest and fees because I made an innocent mistake. Good on them. But the deceitful practice still exists and other consumers will be unfairly charged. 

Finally, in the interest of warning consumers, this insidious process used by the credit card companies to calculate and charge interest needs to be added to the CFPB informational website at https : XXXX
Consumer complaint received 2023-02-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it again, I need the accounts must be verified in my credit report. 
here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Well Im having a problem with XXXX  XXXX auto reporting inaccurate late payments on my credit report theres a few discrepancies between two different credit bureau and one report Im showing on-time for month of XX/XX/2019 via XXXX but Late for the month of XX/XX/2019 on TRANSUNION..XXXX XXXX is also not reporting months that Ive paid on time as NO DATA it is unlawful under the FCRA to report inaccuracies on an consumer report!
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (FL)

The Aspect apartments ( Now known has the XXXX XXXX ) had a major pest infestation throughout the whole building during our stay. 

Our contract states that they were responsible for handeling pests and I sent many requests to the office to handle the issue to no avail. 

Even after multiple complaints and emails ; the issue was never tended to. 
Instead they issued a 7 day violation letter ( XX/XX/year> ) nearing the end of our lease stating that I was the cause of the infenstation and were in violation of our agreement. This was upsetting. 

There is a clause in the leasing agreement that states if they fail to hold up on their end on handeling pest infestations we were allowed to break our lease ; information detailed in our contract. We seemed to be in agreement and left the premises. 

The company is wrongfully accusing me of debt owed. I have documents, videos of the infestation and emails to back my claim up.