davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lakeside Receivables LLC (WI)

This company keeps contacting me over a debt that is at least 10 years old, not even on my credit report. They constantly call and have sent me emails saying there is a warrant for my arrest. Im also pretty sure its not the correct amount I owe. And change amount owed in various emails.
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Hello, Ive been trying to set up biweekly payments with Newrez LLC XXXX # XXXX. First I was told to mail in the document which I did in XXXX they clam they never received it and keep saying that they are having issues getting their mail. Then I submitted it online and they say they have not received it. I am worried because all of my loan informations was in the mailed in document including a voided check. Ive had to pay for increased security measures on my accounts and bank. 

Every customer service person I deal with gives me a different answer and refuse to help.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (PA)

On XX/XX/23 I made a purchase on XXXX with the credit provider affirm.com in the amount of {$3900.00}. My affirm loan id is ( loan ID : XXXX ). On XXXX I bought 2 mens  shirts, 2 purses, and 2 mens pairs of socks all amiri brand. 

On XXXX XXXX I recieved a package under XXXX XXXX name, XXXX XXXX XXXX that just contained 1 womans tank top. The package had the same tracking number that I was provided for all my items that I was supposed to recieve. The tracking number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX on XXXX XXXX and it took them 2 weeks to start an investigation to this day they still have no gave me any resolution. 

I contacted affirm on XXXX XXXX to report the problem and they told me once a package is delivered it is completely out of there hands and they can not dispute it even after all the evidence I sent them of what I recieved and what I ordered and my conversation with XXXX. I have contacted the local police in XXXX XXXX to get a report started and I will be going to my local police next so they can coordinate with XXXXXXXX XXXX XXXX.
Consumer complaint received 2021-03-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

Try to do a FHA streamline refinance with AmeriSave at a rate of 2.25 everything was good as of XX/XX/2020 but than this company started a delay tactic asking for repeat documents pay stubs and payment proof of mortgage and tax statements for three months change the closing disclosure 4 times and started for XXXX up front and than on day of closing demanded XXXX otherwise there were going to raise the rate up to 2.75 while still holding a up front appraisal fee when no appraisal was done
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
* XXXX XXXX XXXX  XX/XX/2023 XXXX * XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX * XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX * XXXX XXXX XXXX  XXXX XX/XX/XXXX and XXXX * XXXX XXXX  XX/XX/2023 EQUIFAX/XXXX XXXXXXXX XXXX  XX/XX/2023 XXXX I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I paid in full my statement balance of {$36.00} and then called Chase Customer Service Representative ( CSR ) to close my account. This closed account in XX/XX/XXXX was verified by XXXX credit report. XXXX months later, In XX/XX/XXXX, my already CLOSED Chase credit card account was charged with {$110.00} for XXXX XXXX XXXX XXXX XXXX that I did NOT purchase. Chase processed the {$110.00} to my already closed account. 

My husband who is an XXXX XXXX XXXX asked me to apply for XXXX XXXX XXXX XXXX account as it gives better benefits and services to XXXX XXXX and their dependents. As soon as I closed my Chase credit card account, I placed the Chase credit card in our shredder and got it shredded. Please be advised that the Chase representative confirmed my account has XXXX balance and has been closed. Again, this was documented in XXXX credit history. 

I believe that I am a victim of fraud in this situation and I am not sure and confused as to why Chase processed this fraudulent charge. Then, In XX/XX/XXXX, after the account closure for over two years, I was shocked to receive a collection letter from the XXXX XXXX. I spoke to many Chase CSRs ( ID # XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX but they all failed to help me. CSR ID # XXXX divulged the charge was made in XX/XX/XXXX and provided me with the merchant name and telephone number. To my due diligence, I called the number XXXX provided by the Chase CSR, which was XXXX XXXX XXXX XXXX XXXX. I spoke to an XXXX XXXX XXXX XXXX XXXX representative named XXXX and her investigation revealed there was no record of the charge in XXXX XXXX XXXX XXXX XXXX. Additionally, I also filed a complaint to Federal Trade Commission XXXX with report # XXXX. 

There was no way for me to dispute the fraudulent charge then as it happened since I learned this fraudulent charge two ( 2 ) years passed after I received the collection letter. Chase did not provide me any statement/s ( they have my physical address ) so I am not sure how Chase expected me to know about the charge I did not make. I never visited the online site XX/XX/XXXX, the official closure of my account ( reflected in my XXXX report ). 

I really do appreciate your time and please give me guidance on how to proceed with this fraudulent charge. 

XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
* XXXX XXXX XXXX XX/XX/2023 XXXX * XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  * XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 TRANSUNION/XXXX * XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX and XXXX * XXXX XXXX  XX/XX/2023 XXXX/TRANSUNION XXXX XXXX  XX/XX/2023 TRANSUNION I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.
Consumer complaint received 2023-02-21
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: Bread Financial Holdings, Inc. (CO)

On XX/XX/2023 I discovered an credit card fradulently opened in my name from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX This account with a credit limit of XXXX was opened XX/XX/2023 and shows a reported day of XX/XX/2023. 
I never applied for this credit card that shows on both my XXXX and XXXX Credit Reports.

I spoke with the company and they asked for my address and DOB and said that my information did not match and that they could give me no information about the Account. 
The Account shows as Open in both credit reports and I am very concerned that whoever opened this fradulently in my name will soon have access to making fradulent purchases.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

I have contacted Customer Support regarding dispute ( s ) filed and was informed that I would be receiving credit ( s ) back ( charge back in my favor ) however, credit ( s ) never posted. I have spoken to a Supervisor including, filing a complaint with the XXXX and issues have not been resolved. Since the issues have not been resolved, credit card was closed out and the annual fee has not been credit back as previously indicated.
Consumer complaint received 2023-10-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SANTANDER HOLDINGS USA, INC. (CA)

On my XXXX and XXXX XXXX credit report I have XXXX XXXX XXXX  stating that I still XXXX from a voluntary car repo where they eventually sold car and the statutes of limitation has now been over 7 years. It has cause me great stress with having this improperly remaining on my credit report.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: The LGM Co., Inc. (OH)

Lgm finance company on XXXX XXXX in XXXX Ohio, claims that the balance of my account is accurate, however everytime I make a payment the remaining balance increases by at least {$100.00}, a month. 
When I inquire, I'm told that the APR, increases daily, and I was told when I purchased the car. I'm a XXXX year old woman and I wasn't informed of that. 
My source of income is social security, and at this point I don't have a clue what the daily costs are, or when I will own the car. 
One time I was told to get a personal accountant to explain and train me. 
In XXXX I made a payment and the balance was increased by almost {$100.00}, I don't understand. Whenever I try to get an explanation, they are rude, nasty, ABRASIVE, HOSTILE and evasive. The total cost of the car was {$11000.00}. I've paid over $ XXXX, and I'm told that as of today that I have a balance of over {$2300.00}, and it will increase daily Please help me
Consumer complaint received 2021-02-16
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. (VA)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2023-02-13
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. (TX)

On XXXX XXXX, 2023, I received a notification from XXXX XXXX that I needed to give attention to my XXXX account on my credit profile. When reviewing my XXXX report, it showed XX/XX/2023 payment as missed when indeed I made this payment XXXX XXXX, 2023 ( see receipt attached ). The report also show my last payment reported was XXXX XXXX, 2023 and current but reporting one 30 day missed payment. Equifax is showing XX/XX/2023 payment missed as well but current status. I'm not sure why this discrepancy keeps happening but I need both bureaus to resolve this matter quickly.
Consumer complaint received 2023-02-09
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: Bread Financial Holdings, Inc. (PA)

I received a letter from Comenity Bank stating " Please call us to finish processing your XXXX XXXX card credit card account application. '' and I never opened a credit card for this.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (PA)

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

I have a Well Fargo Checking, savings, and Credit card. I haven't received my paperwork since their settlement Wells Fargo agrees to a {$3.00} XXXX settlement with CFPB over consumer abuses. I have had these accounts since XXXX-current. No information from Wells Fargo or any reach out to myself for they actions during my time with them
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I reviewed your latest statement to CFPB ( case no. XXXX on XXXX XXXX, XXXX. ) I recalculated the figures using your statements on XXXX XXXX, XXXX and may have misunderstood my previous calculations ; however, I still determined CitiBank overcharged me {$6.00} and unfairly charged {$15.00} for a payoff by wire fee after escrow closed, which they can not do. 

If you will, please review the {$21.00} of overcharges described above. I believe that is extent of the overcharges now by CitiBank which should be refunded back to me.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I submit a claim for multiple transactions made with my debit card, I sent back all the documents and information requested by the bank to XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The bank never handle the claim properly, so the account is overdrawn, now is closed. 
Before the claim was open I have money in my account so I need to know when that money will be sent by a check to my address
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (WI)

On XX/XX/2022 I noticed my credit rating had gone down over XXXX points. In looking at XXXX, there was a {$3500.00} " collection '' added to my report. This is NOT MINE. I have no idea what this debt is. We pay our bills every month and up until then had excellent credit. It says the original creditor is XXXX, a company I have NEVER even heard of let alone done business with. 

I disputed this with XXXX and within a few hours they said they " verified '' the debt with CONSUMER ADJUSTMENT CO and they closed my dispute. 

THIS DEBT IS NOT MINE. I've never had any outstanding debt. I've never worked with these companies. I am being targeted and neither this scam company or XXXX will do anything about it.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

My Macy 's American Express card was stolen and someone charged dozens of XXXX gift cards on it over a period of two months. This occurred last year and I have spent nearly a year trying to have this fixed. I have been told repeatedly that I now have a zero balance ; however, I have begun receiving calls from Collections Agencies stating that I have an outstanding {$840.00} balance on this card that has been closed for nearly a year. I am trying to buy a house and this has negatively impacted my credit score that I worked extremely hard to maintain. Today, XXXX/XXXX/16, I have been on this call for XXXX minutes and have spoken to nearly XXXX different people, all telling me different things. I have been transferred to multiple departments and people to whom I need to re-identify and re-explain the situation because they did not do so on their end. The most recent person told me that the {$840.00} balance is comprised of late fees and missed payments from the charges I never made.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I received a call from what I thought was Wells Fargo saying that my banking account had been hacked and someone had logged in and was trying to XXXX money. I was asked if I was trying to do this, and I was not. The person on the phone sent me texts with codes asking me to read them out to them so that they could reverse the payments that had been sent. They also told me they had frozen my account and that I would be contact the next day by the bank to ensure everything was ok. When I never received a call from the bank, I suspected foul play and called the bank. I had been hacked and tricked. The person had XXXX XXXX money from my account in 3 transactions for {$380.00}, {$97.00}, and {$180.00}. I started a claim with the bank. They began their investigation and deposited the money back into my account. On XX/XX/XXXX they reversed those deposits claiming they were not responsible. Their website had been hacked. They claim that this was not fraud. So {$650.00} was stolen from me through my account on the bank 's website, and they will not help me get it back. In fact they did give it back and with no warning at all, just debited from my account. I called and they said they had made a final decision and there was nothing else I could do.
Consumer complaint received 2024-03-13
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. (OH)

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.