davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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 (TX)

On XX/XX/XXXX I got an email saying that Wells Fargo had shipped a card to replace my expiring one. I never received the card in the mail. XX/XX/XXXX, I was buying a snack at my office buildings cafe and my card got declined. I confirmed I had money and proceeded to pay with my Phone. I thought the card declined because my new one had arrived. I got home and checked the mail and had not recieved anything. A few days later I needed a card and went to the bank to get a temp since i had not recieved my new one. They told me those were not offered anymore so I pulled {$40.00} Cash to make it through the week until my new one came in. 
It was XX/XX/XXXX and I had just got home from night school ( XXXX ). I checked my account around XXXX after watching an investing video and I noticed that I had several unauthorized charges to my account. I called immediately and a lady recorded the fraudulent activities and made a claim and locked my card and removed the digital one on my phone as well. The lady had a new card mailed. 
A few days later I was having lunch and noticed those pending charges were getting authorized after I had already called and reported them. I began to look at the history and noticed I missed a few from the day before. 
I called again and the lady went ahead and updated the claim to contain the following ( These are the posting dates ) : XX/XX/XXXX, XXXX XXXX {$31.00}, XXXX {$31.00}, XXXX XXXX {$39.00}. On XX/XX/XXXX XXXX XXXX {$59.00}, XXXX  {$29.00}, XXXX XXXX {$31.00}, XXXX XXXX {$35.00}. On XX/XX/XXXX XXXX XXXX {$25.00}, XXXX XXXX {$7.00}, XXXX XXXX {$10.00}, XXXX XXXX {$54.00}, XXXX XXXX {$59.00}, XXXX {$59.00}, XXXX XXXX {$28.00}. On XX/XX/XXXX XXXX XXXX {$51.00}, and XXXX XXXX {$87.00}. 

I received the first card but it was voided. A few days later I got my new card which finally worked. 
They gave me temperorary credits ( XX/XX/XXXX ) for + {$29.00}, + {$31.00}, + {$35.00}, + {$7.00}, + {$10.00}, + {$25.00}, + {$28.00}, + {$54.00}, + {$59.00}, + {$59.00}, + {$87.00}. Then I received temperoary credits on ( XX/XX/XXXX ) + {$31.00}, + {$31.00}, + {$39.00}, + {$59.00}, and {$51.00}. Then on ( XX/XX/XXXX ) They did a credit reversal for the folowing {$29.00}, {$31.00}, {$35.00}, {$7.00}, {$10.00}, {$25.00}, {$28.00}, {$54.00}, {$59.00}, {$59.00}, and {$87.00}. I called again after this reversal and they said they did not have rights to pursue the claim and that their was nothing else they could do to help me. that call was made XX/XX/XXXX.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I paid my Citi card off in full {$1300.00} dollars I used citi app. The payment didn't go through, so I did it again this time it took.When I checked my XXXX  checking account City withdraw {$1300.00} twice.i called city and they would fix the problem in 2 days, today is XX/XX/XXXX and I still haven't received the money into my checking account.I spoke to representative XXXX XXXX and he said it's going to take 2 more days to send the money back to XXXX Bank.I had 1 overdraft which Citi refunded me and now I have a second one because I thought the problem would be solved by now.Not only has it been a big inconvenience but it may hurt my credit score.
Consumer complaint received 2021-01-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MO)

On the XXXX of XXXX my account was suspended for a transfer that didnt go through and was told that I needed to send in Id front and back and an utility bill for proof of address and also a bank statement to show the account was mine those documents was sent in on the XXXX still no update or any type of communication.
Consumer complaint received 2023-03-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. Please send me copies If you can not find any of the info above immediately remove this account from my credit report. 

FACT 1 : There exist no PAPERWORK or DOCUMENTS that XXXX XXXX gave me FULL DISCLOSURE on how CREDIT was created with MY SIGNATURE! I believe NONE EXIST!! 
FACT 2 : I was also not told that I had 30 DAYS to VALIDATE THE DEBT! 
Fact 3 : I want to see the ACCOUNTING LEDGER should show what I owe you. You should be able to show how you lended me the money before giving me the money. 
After 30 days they ASSUME THE DEBT IS VALID! Because they know after 30 days they ASSUME THE DEBT IS VALID and they start collecting on it! Was this DISCLOSED TO YOU? No it was not thats another fact!!! 
DEBT COLLECTION is more than just COLLECTION ACCOUNTS and CHARGE OFFS! Its the account thats OPEN RIGHT NOW, its still a DEBT! Remember they are ASKING FOR MONEY to pay a DEBT, then it still applies! 
FACT 3 : I believe that there is no DOCUMENTATION from XXXX XXXX and I BELIEVE NON EXIST! 
You have 15 days to RESPOND to my original contract with my wet signature!
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other item of information, other than records of 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-09
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. (TX)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and is misleading. I am also requesting the names, addresses, and telephone numbers of the individuals you contacted during your investigation. 

I wasn't provided any of the information nor the Items disputed were removed during the investigation or corrected after in clear violation of the law and total disregard for the hardship they have caused, even after deletions to some of the accounts I found Experian to be the most difficult regardless of the law, furthermore, even when I brought to their attention the errors on my report and the fact some accounts have deleted they continue to report the false information as verified even though it wasn't and the method of verification was a piece of paper from the collection company has my name and amount owed knowingly by law it's not sufficient nor the document they must share with me. 

XXXX XXXX, XXXX XXXX XXXX XXXX {$31000.00} Collections {$33000.00} {$0.00} 1 late payment Reported as installment account with payments ( Collection account removed by XXXX, still exists on EXPERIAN AND XXXX
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (DE)

Through XXXX XXXX I used XXXX XXXX XXXX through Comenity Bank. It was a two part promotional plan, one ending XX/XX/XXXX the other ending XX/XX/XXXX. Upon receiving the first bill I contacted customer service to get a full understanding of my plan and to make sure at the end I would not accrue interest. It was explained that my total amount due by XX/XX/XXXX divide that by the number of months before plans ends. That gives you a monthly figure to pay. To assure this was correct, I called back a second time and spoke to a different representative who explained it the same way. So once the first part is paid off, I have until XX/XX/XXXX to do the same for the second part. Follow that same payment plan and you wont accrue interest because your paying your balance off before it ends .On the first part of my plan I had the balance left of {$280.00} which was due by XX/XX/XXXX. I made that payment on line XX/XX/XXXX. When my account billed which would have my balance for the second part of my plan due in full by XX/XX/XXXX, I was charged {$850.00} in interest on an interest free promotional plan. When I called and spoke to a representative, I was told that I was charged interest because I should have been paying a minimum payment for the second part plan while I was paying on the first part plan. Even though I was paying more than the minimum payment due, I should have been adding extra for the second part. This is not how the plan was explained. And why give me a expiration date of the plan of XX/XX/XXXX if i had to pay it off as i was paying on the first promotional plan? The representatives obviously didnt understand the plan, because on more than one occasion it was explain by Comenity Bank Representatives . Why have a two part plan if your expected to pay on both at the same time. Bill me for both and show me on my bill what my payment is for each. I paid off both my promotional plans, with no missed payments and paid off by the date required. Comenity has added accrued interest of {$900.00} that I feel that do not owe. The balance is all interest added on after I paid the first plan in full.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Ive sent numerous notices to this consumer reporting agency regarding inaccurate reporting on my credit file. There are numerous dates that dont match across all 3 credit reporting agencies, numerous balances that dont match, and even numerous account numbers that dont match. Ive reported this information and their system only comes back to be verified. I have never received any type of investigation report, nor how the information has been deemed accurate. These items shall be deleted from my consumer file immediately.
Consumer complaint received 2020-06-08
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-02-01
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. (NC)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (MD)

I received a loan from Mariner Finance in early XXXX. Unfortunately I was incarcerated around this time and was unable to make payments on the loan. On XX/XX/XXXX I was still incarcerated but received a letter stating that my account was going into collections, which is understandable. Eventually Im released and on XX/XX/XXXX I called Mariner Finance and spoke with XXXX XXXX XXXX in regards to the letter attempting to collect the debt I owe. I agreed to settle the account and pay {$3500.00}. On XX/XX/XXXX the {$3500.00} was deducted from my XXXX  account and paid to Mariner Finance. The Problem comes when I check my credit report and see that the account is still in collections and still has a balance of {$1000.00}. I attempted to dispute through XXXX but I had no luck it remained the same. I called back on about XX/XX/XXXX to speak with XXXX XXXX, I explained to her that my account was still in collections and I had a balance of {$1000.00}. I asked why and she became very hostile, stating that she is not obligated to explain anything to me. I was taken back because my previous conversation with her was pleasant. So I ended the call and tried other ways to resolve this issue through XXXX. After being incarcerated my personal financial situation took a big hit, but I still attempted to resolve my debt with Mariner finance With the thought that it would repair my credit/credit report also, but that was not the case. XXXX XXXX was polite when I was making the payment to settle the account but never explained to me that it will still remain in collections until paid in full. ( I thought paying a settlement amount actually settles the account ). Why would I make a payment of {$3500.00} to still have my account sit in collections? I feel mislead and taken advantage of by XXXX XXXX, and XXXX XXXX Hostility during our second conversation confirmed to me that she knew she mislead & neglected to inform me of the process & what happens next after I made the payment. I havent yet to receive a letter of payment from Mariner Finance as Promised.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

NewRez Mortgage XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  Month 's in a row I've had to call them to receive a payment statement, once received it's already past due + taking XXXX weeks to actually cash the check. 
I've called customer service XXXX  times only to have them tell me that they'll file a complaint and to go online to pay my bill but, the online website doesn't work. 

This company is intentionally jeopardizing the credit of their customers who only want to pay their bills.
Consumer complaint received 2022-02-02
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. (GA)

I have sent disputes to XXXX, XXXX, and Experian and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. I discover a multiple credit cards accounts under my name. I called the banks to stop the fraudulent then the accounts have been closed. 
I have an FTC and police reports, I have called Bank of America, and XXXX XXXX XXXXequesting them to send me a written letter showing I am not responsible for the charges on the account since XX/XX/2021 and they promise to do so and never did. Then sent them aletter by mail on XX/XX/2021 with a copy of the FTC report and proof of my identification. I did not hear from XXXX. Bank of America sent me a letter saying that I did not report the fraud on one account however I did report it to them as will as to the experience and XXXX. 
The accounts number as follows Bank of America XXXX and XXXX XXXX XXXX XXXX My e mail address XXXX My mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rausch Sturm LLP (CA)

I am a person who has been a victim of a compromised identity in which several accounts were fraudulently established one of them being a XXXX  card services account and which I am disputing from the CRAs all of which have been removed except for one with one reporting agency. I have been communicating with XXXX  and as of yet they have not remove this from my credit profile even subsequent to me faxing over the FTC report and a police report. Over the last two months I have also be getting a bill for the same amount owing to XXXX  from this so-called attorneys company which I believe is a collection company that XXXX  sold the debt from that fraudulent account in my name to this collection company who is now harassing me with the mail as well as XXXX
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Dear CFPB, My loan with XXXX  is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. 
I have sent letter to this company with " goodwill deletion request '' and so far has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to Divorce settlement and I even presented that stipulation.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

Some company named Afni Collections called me claiming that I owed {$260.00} to them from a charged off account at XXXX. I did have an amount owed at XXXX, but I had just spoken to them a week ago when I shut off my service and returned equipment. They told me that I could pay the balance at the beginning of XXXX when the final statement was available. 
Afni Collections tried to tell me on XX/XX/22, that XXXX already turned the debt over to them on XX/XX/22, which was XXXX days after I spoke to XXXX. I didn't believe them so I called XXXX to confirm that they still had the debt and it wouldn't be turned over for 3 months, that was their policy. I don't know how this company got my information, but they had my account number with XXXX, my address, phone number and the exact amount owed. They also threatened to hurt my credit score if I didn't pay it. 
I'm upset that this company is trying to collect debt that they don't own, but I'm also concerned if XXXX is telling the truth about not turning the debt over.
Consumer complaint received 2023-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

After waiting a full year for my student loans to transfer from XXXX XXXX to Mohela then an additional 3 months to have my employment certified to reach 120 qualifying payments, I am now having to wait an additional 3 months for Federal Student Aid to review and approve my PSLF. 

Waiting an additional 3 months for loan forgiveness after reaching 120 qualifying payments is very unfair. The PSLF program is suppose to forgive loans after 10 years, not 10 years and 3 months.