davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian XXXX XXXX continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( 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 reputation 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 2023-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

Many years ago we banked with Wells Fargo in XXXX XXXX, WA. and we were charged numerous overdraft fees when half the time we had money XXXX day and the next it was gone and they ended up closing our account and charged us a ton off money so we didnt have to owe.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX XXXX, 2024. I transferred {$800.00} from my USAA checking account ending in XXXX to Bank  account # XXXX ; Routing # XXXX - XXXX XXXX  under the name of XXXX XXXX XXXX, my mother. Minutes later my mom informed me she had closed that account some months ago. I immediately called my bank USAA to look into this matter. USAA assured me that since the account was closed that the {$800.00} would be returned to my account within XXXX weeks. XXXX months later USAA informed me that the money had not been returned and they had no idea what happened to my money. I provided USAA a XXXX digit trace number from XXXX XXXX verging the {$800.00} was returned to my USAA account on XXXX XXXX 2024. As of XXXX XXXX  2024, USAA closed their inquiry advising me the money has not been returned and no idea whats the money is? 
My mom did not received the money since XXXX XXXX  told her the account was closed and the {$800.00} was returned to my USAA account to which XXXXXXXX XXXX provided the XXXX trace number.
Consumer complaint received 2020-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Mailed check with coupon in provided envelope on XX/XX/XXXX for XXXX payment to mortgage company ( Select Portfolio Servicing , Inc ) .. Funds were debited from my account XX/XX/XXXX. Mortgage company presented same check for payment on XX/XX/XXXX and again on XX/XX/XXXX, generating two {$28.00} NSF fees from my bank. I called mortgage company XX/XX/XXXX to explain their error. On XX/XX/XXXX I received a letter from mortgage company stating a returned check fee and a late fee would be charged to my account. I called mortgage company again XX/XX/XXXX to discuss their error. I mailed a letter XX/XX/XXXX detailing correspondence. No statement or payment coupon was received from mortgage company for the XXXX payment, so I mailed a letter with payment on XX/XX/XXXX, which was .debited from my account XX/XX/XXXX. I subsequently received a letter dated XX/XX/XXXX from mortgage company asking me to contact them " if ( you ) are experiencing financial hardship ''. I wrote to mortgage company again describing their error and listing all correspondence regarding this issue. I have not received any response from the mortgage company and do not know if the fees were reversed.
Consumer complaint received 2020-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C. (CT)

I'm disputing validity of the alleged debt in it entirety this company has been illegally attempting to collect a debt I do not owe and negatively credit reporting inaccurate information. never received notice in writing they did not investigate disputed information before reporting to credit bureau
Consumer complaint received 2020-03-01
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. (CA)

Experian, is apparently ignoring my disputes. I have sent them a police report to advise them that they are reporting fraudulent data on my consumer credit report. Report Number XXXX and unfortunately they have added a security alert but the 3 accounts and inquires have not been investigated and or removed. I tried calling in addition to the dispute letters I have sent but- I am faced with extensive hold time. It appears they have remove the 5 different social security numbers but not the accounts- names and all fraudulent addresses XXXXr Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX inquires credit plus XXXX   XXXX  XXXX XXXX XXXX factual data protection XXXX XXXX resident screening factual data XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

Several years ago, when security freezes were first offered, I set up freezes with all 3 credit reporting agencies. For Experian, I selected my own PIN ( and saved it electronically with a password keeper ). I recently tried to un-freeze my account and Experian did not recognize my PIN. As a result, in XXXX or XX/XX/2020, I sent them all of the required information in the mail - driver 's license, social security card, current bill, and a copy of the notice - requesting that they reset my PIN. In late XX/XX/2020, I received back a letter saying my account had been temporarily unfrozen. I then tried to re-establish a PIN, and it would not let me. I received a similar notice saying I need to mail in all of the same information I just submitted. Experian is horrible, has horrible customer service, and just wants me to pay for their " lock ''. They are greedy money grabbers who take advantage of consumers. I've not been able to buy a new car ( and the price has since gone up due to expiring incentives ) because the seller uses Experian exclusively, so I have been damaged and may file suit if they do not respond quickly. They need to reset my PIN or allow me to do so, because they don't recognize the one I originally set.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Received a letter dated XX/XX/XXXX to a XXXX XXXX from Portfolio Recovery Associates, LLC attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to Portfolio Recovery Associates, LLC, multiple times, the most recent of which was 8 years ago. 

I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Requested a mortgage modification several times the last past year with my mortgage servicer Select Port Folio. They have been unwilling to work with me to save my home from a property foreclosure sale. There is a sale date set for my property XX/XX/2019. 
I've recently submitted another request for mortgage modification Please assist me with retaining ownership of my home.
Consumer complaint received 2020-03-01
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. (NY)

Hello, On multiple occasions with the most recent being on XX/XX/XXXX, I disputed the late payment history of XXXX XXXX XXXX with Equifax. The late payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not receive notice that the Investigation was complete and those specific dates were not removed. XXXX has reported the late payment history differently to all three credit reporting Bureaus XXXX, Equifax, and XXXX due to these inaccuracies XXXX removed the XXXX account completely from my credit report. I have provided proof to XXXX that the account was not late on the above listed dates. There has still not been any removal of the late payments to date. Also when I pull up my credit report on different websites such as XXXX XXXX and through XXXX credit bureau that shows all three credit reports for Equifax, XXXX and XXXX, those accounts do not show any late payment history but when I call Equifax it shows a late payment history status. I would like for XXXX to send proof that the payments were late and if they are unable to show the physical proof of the payments history then the items should be deleted from my credit report. I do know what XXXX to give a verbal reason stating that everything is being reported correctly, there needs to be physical evidence to show since I have shown payment history stating otherwise. Thank you
Consumer complaint received 2020-03-01
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: SYNCHRONY FINANCIAL (TX)

My credit score went down 88 points because of a missed or delinquent payment to a credit card that I didn't know I had. When I reviewed my credit report, it showed an account opened for a credit card through SYNCB/PPC. When I called the number listed, it said it was PayPal Credit. Although, I do have a Paypal account, I NEVER opened a credit card, nor gave permission for a credit card account to be opened with PayPal, or Synchrony Bank. 

My credit report shows this fraudulent account was opened on XX/XX/XXXX. It also shows 3 payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I never made because I didn't know the account existed. Now the account is showing as closed and this information was last reported to the credit bureaus on XX/XX/XXXX and my credit report shows that I have missed 3 payments and have a delinquent account, thus hurting my credit score. 

When I called the number provided on the credit report for the credit card company SYNCB/PPC  the operator named XXXX quickly asked twice what my name was, but didn't give me a chance to speak, then said " Since I have received no response, I am ending this call '' and hung up on me. I tried immediately to call back and the call would not go through. I also called PayPal to dispute this account and the agent told me that I do not have a credit card account with PayPal and the resolution center on the PayPal website will not let me make a dispute because it is showing that I do not have the credit card account. 

I have filed a dispute with all 3 credit bureaus. What else can be done with this situation?
Consumer complaint received 2023-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (PA)

I consolidated my student loans from XXXX  school around XX/XX/XXXX. My payments over the past XXXX years have been on time and typically over the amount due. Everything seemed to be going along as expected on my statements with the amount of money I was paying towards interest decreasing as my loan amount decreased. I paid off my student loans on XX/XX/XXXX. I was surprised to receive my 1098-E showing that I paid {$5200.00} in XXXX as I paid under {$700.00} in interest in XXXX. I received my loan disclosure and my transaction details which did not explain why my interest increased in XXXX and XXXX of XXXX. It almost seems like I was precharged the interest for the life of the loan ( around 30 years ). They made it seem like I was paying interest as I go but then when I paid off my loan early, they charged me the interest as if I paid off my loan over its entire term ( around 30 years ). To me, this seems like a pre-payment penalty.
Consumer complaint received 2023-02-04
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. (MD)

Equifax is reporting a bankruptcy on my credit file from XXXX XXXX. XXXX XXXX is fraudulently reporting information as factual but they have stated that their company couldn't identify me. The information is suppose to be accurate if the company has chosen to give false information that is fraud.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (GA)

Checked my credit report and found national credit adjusters on my credit report called and requested information about the debt and also e mailed them requesting the same information never heard from them. XX/XX/2024 at XXXX XXXX  received a call from a number with a local area code answered and it was nca they wanted me to verify who I was I told the rep if they could tell me the birthday I would be able to verify it because I have a cousin with the same exact name as me but the birthday is different after she argued with me she finally told me the birthday it was mine so I told her this she tells me who she represents finally and I explain that u had tried to get the validation letter from them a few months ago but never received anything I had updated my address in the previous communication but she gave me an old address after this I disputed the debt and she told me she would mail the letter out to me I checked m credit report after I hung uo with her and found that they are reporting this debt to the credit bureaus even though that is illegal for them to do since I had never talked to then until a few months ago this reporting goes against the law
Consumer complaint received 2023-02-04
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)

On XX/XX/XXXX I submitted a letter to EQUIFAX and XXXX disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX  XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.
Consumer complaint received 2020-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020 I opened a checking account with Bank of America. I provided all the documents required including my home address. After leaving the Bank I looked at the receipt and noticed that my Personal Bank account as well as my Debit Card were assigned to the address XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, NY XXXX. I HAVE NEVER LIVED AT THIS ADDRESS and I dont have a document with this address. I had also filled out a credit card application and was told Bank of America has a right to share my personal information with their affiliates. I am very concerned with my name being associated with an UNKNOWN ADDRESS. The Representative who opened my account was named XXXX XXXX. The number associated with him is XXXX.
Consumer complaint received 2020-03-01
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. (NY)

Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my report.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I am writing to formally lodge a complaint against JPMorgan Chase Bank , N.A . ( " Chase '' ) concerning the abrupt and unexplained closure of my bank account, which has considerably impacted my business operations. Despite my efforts to understand and potentially rectify this situation, I have received neither a clear explanation nor a satisfactory resolution from Chase. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to facilitate a fair review of my case and to assist in securing the reinstatement of my accounts, or at the very least, an explicit justification for the closure. 

XXXX. Account Information : Type of Accounts : Personal checking, personal credit cards and business credit cards. 
Date of Account Closure Notification : XX/XX/XXXX Effective Date of Account Closure : XX/XX/XXXX XXXX. Incident Description : On XX/XX/XXXX, I received a notification from Chase regarding the closure of my account. This unexpected action has severely affected my business, hindering my ability to make payments, and thus, compromising my operational efficiency and financial obligations. 

XXXX. Communication Attempts with Chase : On XX/XX/XXXX, upon contacting Chase for clarification, I was inaccurately informed that my account was in good standing and open, contrary to the closure notification issued. 
A subsequent communication attempt on XX/XX/XXXX, resulted in a reiteration of the finality of the decision to close my account without providing an escalation point, a detailed explanation, or a viable resolution path. 

XXXX. Impact of Account Closure : The abrupt termination of my banking services has not only disrupted my business transactions but also placed significant stress on my financial operation, affecting my reputation among vendors and clients due to missed or delayed payments. This situation has presented unwarranted challenges in managing my business 's financial commitments efficiently. 

XXXX. Justification for Complaint : I have been a loyal Chase customer since XXXX, diligently maintaining my account in good standing with consistent, timely payments and responsible banking practices. The lack of clear communication and justification for the closure, combined with the direct impact on my business, leads me to believe that this closure was unjustified and handled improperly. 

XXXX. Desired Outcome : I respectfully request the CFPB 's assistance to : Obtain a detailed, written explanation from Chase regarding the reasons behind the abrupt closure of my account. 
Explore the reinstatement of my accounts or, at the minimum, facilitate an appropriate resolution that acknowledges the undue inconvenience and financial disruption caused. 
I am prepared to provide additional information or documents as needed and look forward to a favorable resolution of this matter. Thank you for considering my complaint and for your role in upholding fair and transparent banking practices.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2022 payment was made directly from my bank account for {$1000.00}. Comenity Bank there after adjusted my amount with my bank and only charged {$980.00}. Comenity Bank thereafter had their system down and many clients were having problems reaching them for almost a month. It could be the issue that they never sent information of my card paid in full. There shouldn't be a balance at all on my credit report. I contacted them explaining to clear the balance however its still there since XXXX. 3 months now and it's incorrect and my utilization should be XXXX. I received a letter from them paid in full but its supposed to be sent to the credit bureau. Please help me. Thank you.