davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC (CA)

I applied a balance transfer from my credit union account to cover the balance of my loan on XX/XX/XXXX. At that time, the balance was just over {$600.00}, with biweekly payments of {$170.00} being made via auotpayment. 

The credit union sent the funds immediately. When I received notification from XXXX that the next scheduled payment was due to be withdrawn from my account, I called them to inquire why. I was told I needed to " learn to understand how loan payments work '' [ I've worked in financial services for over a decade and needed a short term loan to cover bills ]. 

I asked to be transferred to someone else, and spoke to XXXX. He asked me to contact the credit union. When I did, I was informed it could take as long as a month for funds to disperse to the creditor. 

Today ( XX/XX/XXXX ) I again was informed that my autopayment would be applied on XX/XX/XXXX. I called XXXX and after multiple attempts at explaining the situation to them, was told I " just need to call the credit union ''. I've asked the credit union to validate where the funds went. In the meantime, after 6 phone calls spanning a month, I'm gotten no farther in finding out what happened with the payment with XXXX.
Consumer complaint received 2023-01-20
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. (MI)

Experian has this account open its needs to be deleted. The open date is isnt correct and the file was to be deleted by the creditor. 

XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I have had checks which I deposited mobile held for over a week. I have had excessive atm fees, overdraft fees on un paid debits. I have been a customer of Wells Fargo since 2014. Three times I had my phone, water, or power cut off due to checks being held too long.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX//23 I visited the XXXX store at XXXX XXXX in XXXX. As I was checking out, the cashier asked me if I wanted to open a new Sephora Credit Card account. He made three specific assertions to me : 1. that I'd get an immediate approval ( my credit rating is XXXX ) 2. I'd be able to apply a 25 % discount to my {$280.00} purchase 3. I'd be able to pay for the purchase using the new card. So I decided to apply. I did not receive any kind of response. The sales person said I needed to wait for the bank to communicate with me. I asked for the store manager, and asked him to make a call to the bank to find out what was happening. After speaking with someone unknown to me, he said that person wanted to speak with me. After asking me for some personal information, he proceeded to tell me the same thing-that he could not provide me with any information and that the bank would be contacting me. Well, the bank never contacted me either by phone, email or regular mail. I looked up the bank online - Comenity Bank - and found hundreds of comments from angry customers who were victims of the same scam : the bank approved cards for them but never sent the actual cards, and at year end, unbeknownst to them, they'd receive collection letters for the annual fee plus large late fees, and their credit score would also be reduced significantly because of the non payment of the card fees they didn't know about. So I decided to call Sephora credit card department and they told me they could not help me, that I needed to call the bank. So I called Comenity Bank at least twice, asking them for information about my case and they refused to give me any information. So as of today, XX/XX/23, it's been more than 10 business days since I was deceived into applying for this card, and I don't know if I was approved or denied, and I never received a call nor a card by mail. The bank has refused to provide any information about my application, and now, the only reason why I decided to open the account, which was the 25 % discount, is no longer available for my purchase. So, I respectfully request the CFPB to investigate Comenity Bank 's practices under the ECOA, and that they are required to delete the inquiry they made of my credit to XXXX and also, that they cancel any credit cards that they have issued in my name.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MI)

I filed a complaint and spoken with this company over and over but I didnt submit the supporting docs with my complaint to you all last time and theyre ( FIRST PROGRESS ) saying that I didnt send them a police report to there company which I did and I also let them know that I was a victim of identity theft back in XX/XX/ and to let them know that the address they have on file for the credit card hasnt belonged to me in over 5 years also when I contacted with them about it on the phone they spoke in a very rudely manner with me and said there is nothing that they can do about it.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc. (NY)

I went to a timeshare presentation in XXXX XXXX, VT. With XXXX XXXX. Say through the speciel and was thinking of it. Then we were given 7 days to change our minds. They asked for a credit card to verify my identity as well with a license. They charged my XXXX XXXX  account and now with late charges, etc is {$910.00}. They also reluctantly opened up a XXXX XXXX   account without my authority. We cancelled, called and told them we were not interested in the time allotted. 
I should not have these terrible credit report issues, them calling and harassing me, and continually looking for $ $ $ I never authorized!!!
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Opened XX/XX/XXXX ( XXXX mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. How come it's open then XXXX? 

I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have medicaid and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX was my birthday. My daughter gave me a {$100.00}. Visa gift card. I saved the card in the original package to used by XXXX. When I opened and tendered to pay for a gift the card was rejected, because had no funds. I call XXXX gift card at the number that was included in the package. After a few long innecesary wait I was told that by a XXXX employee that somebody had used the card online and take the money. They sugested to call the vendors to see if they refund me the money or start an investigation that last 90 days. I think that if XXXX put their reputation behind a product they have to have some kind of security for the consumer. I want them to immediately refund my money. The card number is XXXX XXXX XXXX XXXX exp XX/XX/XXXX XXXX
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (GA)

In Accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

15 U.S.C 1681 section 604 ( A ) ( 2 ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-03-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to NAVY FEDERAL CR UNION to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/ FTC Report XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards.

I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (VA)

The company is GoodLeap, formally Loan Pal. This has been ongoing since XXXX XXXX XXXX and I did see that several people have complained about this company under both names. I contacted the company and initially filled a complaint with the XXXX. I have attached to files. The first is interest accruals that I got from XXXX as a part of my initial complaint. However, I never got an answer to why did my daily interest go up when my principal balance go down ( excluding the one time that I stopped my auto pay, which increased my interest rate ). The second contains several monthly statements. My interest and principle are going down then in XX/XX/XXXX I get charged {$70.00} in interest, which is what I was charged in XX/XX/XXXX when my principal balance was $ XXXX and XX/XX/XXXX it is $ XXXX.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Opened a new Care Credit account and am still waiting physical card, but did not remember account number that was provided to me on signup because it was not sent to me. I went on care credit website using account lookup and provided my social security number, only to realize it was not care credit 's official website, but a similar looking website that I realized seems to be a scamming website to get information. 
https : //www.carecreditprovidercenter.com/BC_CC_Demo/cc-htmls/Before-Login-ProcessAnl.html I did several lookups with different methods, as it was showing a random person 's details, and then realized it was a set-up. I am disappointed I fell for this, and will reach out to Care Credit as well.
Consumer complaint received 2019-12-12
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: EQUIFAX, INC. (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2021-11-19
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report in violation of XXXX XXXX. XXXX has failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if XXXX investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX )
Consumer complaint received 2023-03-01
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. (KS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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. (MO)

Transunion has continued to report errors on my credit report with XXXX XXXX for XXXX  XXXX. Now it's stating this account is open with a missed payment this account has been charged off and closed. How is this account open but charged off at the same time. This company keeps updating and reporting errors and at this point they are in violation of the Fair Credit Reporting Act..I 'm going to consult an attorney to see what are my options because this has been going on far too long
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I did a thorough investigation and I have numerous items on my credit report from Experian and it's false. ( Items below ) I ATTACHED a picture of my recent utility bill to prove my actual address. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX TWICE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX LONGER XXXX THERE/ NOT MINE XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Hello, I sent information to dispute an amount owed to the collectors. I then disputed with the credit bureau. I received an alert that my credit score dropped XXXX XXXX after speaking with the collections company. I called and was told it was due to {$9.00} interest they reported which caused an increase in balance. This has never happened prior to this dispute with the credit bureau. The collection company on a recorded line stated this is because I disputed with the credit bureau and that because I did so, it prolongs my dispute and puts me in the back of the line, they then hung up the phone in my face. It is my right to dispute with them and the bureau. This is unfair and abusive practices under the Fair Debt Collection Practices Act. '' I am being punished for escalating the the issue. The FTC indicates that a furnisher is required to investigate any dispute forwarded to it by a credit reporting company and cant avoid that obligation by claiming a dispute is frivolous.i am being treated unfairly. Even minor inaccuracies on a credit report can lead to a consumer being denied a loan, housing, or a job. As a result, it is critical that consumers have a meaningful opportunity to correct errors or inaccuracies when they are identified.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AR)

There is complaints from me to ya about the regions bank XXXX XXXX XXXX and the redress act that I should have been compensated for in 2013 when I filled the complaints, it envoles regions back giving me the advice to open up as, any account as I can separate each with XXXX XXXX XXXXXXXX dollars and I did just that and a few months later I was receiving insaficiant funds and over draft fees, i had everything taken from, m me XXXX XXXX XXXX dollars is a lot of money to just let b taken and not fight for, I c where regions was made pay consumers back for every thing I proved they did to me but I haven't received my money. This happens in XXXX XXXX Arkansas in 2013 and it involves XXXX XXXX XXXX dollars and me only being issued a now card. When this happened to me my whole identity was taken from me n till this very day I can't get in to anything that is mine due to it being changed and just messed with. I don't like doing any of this on line because I can't trustit, I would rather talk in person not the phone but in person r by mail till this can get resolved. I was told I would live off the intrrset if I opened up 6 accounts each with XXXX XXXX XXXXXXXX, I want to get my response from my complaint in 2013.