davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

ADDITIONAL INFO Genesis Credit Management Calling me every time asking me if I have received a tax return, asking me to tell my son to go and get loan from the bank and Suggesting the bank too, everyday keep calling and stressing me up. All the time he keep asking for my tax refund all the time and asking me to send my tax return to pay for the debts, am tired of this person calling me all the time everyday and also give me the personal cell phone number
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

Experian XXXX XXXX XXXX me to paid a membership in order to see me credit report or block my credit report after I get an email from them notifying my credit report is unfreeze and I can not unfreeze because I cancel my membership. Also I get many unwanted and advertising emails to affiliate a third party. Force to agree with consumer info. XXXX to released my credit information to have access to my credit. This actions manipulate and uses another third parties are XXXX. Please STOP force me to have a membership in order to access to my credit information.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Wells notified me of my account being overdrawn with a balance of - {$1.00} on XX/XX/20, which was caused by an ATM withdrawal for {$40.00} on the same day. However, I did not make any withdrawal on that day and have notified Wells Fargo accordingly. In fact When I called Wells customer service, the automated response indicated that the transaction was payment to an overdraft account, not an ATM withdrawal as indicated by Wells online and by email. 

Importantly, I signed up for overdraft protection when opening the account and have confirmed that the account has this feature by phone subsequently, yet all transactions potentially requiring overdraft protection have been denied with not one transaction has ever been covered by the overdraft feature.
Consumer complaint received 2023-01-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents this debt collector that must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX account number XXXX has violated my rights. 

15 U.S.C 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.
Consumer complaint received 2020-08-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-04-14
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. (GA)

XXXX XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my personal information corrected on my report as this is a violation of my consumer protection rights.
Consumer complaint received 2023-06-25
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: BARCLAYS BANK DELAWARE (SC)

On XX/XX/XXXX my credit card got compromised, I got a text message approving the transaction which I did not approve, and we called Barclay, they promised me that the charge fraud will be resolved, on XX/XX/XXXX they charged me for the fraudulent transaction
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (PA)

I opened a Truist bank account online in XX/XX/2023. I deposited the required {$50.00}. The next day, the account was locked. I can't access it or my money. I called and was told the account was closed. I got a letter saying it was closed and funds would be mailed in 10 days. After about 45 days I called and was told I must go to a branch with my ID. They said they will not be mailing a check until I do so. I specifically opened an online account so I would not have to go anywhere. I just want my money returned. They took it, never allowed me to access it, and won't give it back. I just want them to do what the letter said they were going to do. 

I'm also getting emails that I have a statement. I can't access it. This letter said the account was closed. Why would it have statements? I'm worried they're charging fees too. 

If they send a letter saying the account was closed, it should be closed! And funds returned!
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

To whom it may concern, I have an XXXX XXXX Credit card issued by XXXX XXXX XXXX XXXX XXXX. I'm currently an XXXX  and XXXX veteran getting a XXXX XXXX in XXXX  in XXXX XXXX   who honestly went back home to XXXX  during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$XXXX balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with XXXX and a credit card account for at least 5 years. 

I've been in XXXX  displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with XXXX. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that XXXX remove the negative credit report, but I was told XXXX was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal XXXX customer for nearly 20 years with over 9 of those years banking with XXXX as a served as a XXXX  in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left XXXX XXXXXXXX at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : //files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf
Consumer complaint received 2024-04-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear XXXX, Please be advised this is my SECOND WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you haven't stated who verified these accounts. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

You have NOT provided me a copy of ANY original documentation required under the SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 



Thank you for your time, XXXX XXXX To Whom It May Concern, These accounts are reporting TWICE, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : Account Name XXXX  - Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since despite this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 

As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 

Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I did not consent, nor benefited from, or authorized any of the following accounts. 
1. XXXX XXXX XXXX Account # XXXX - {$2500.00} 2. XXXX XXXX  Account # XXXX - {$640.00} 3. XXXX XXXX- Account XXXX XXXX - {$84.00} 4. XXXX XXXX Account # XXXX
Consumer complaint received 2020-04-14
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. (AL)

To whom it may concern, I have an XXXX XXXX Credit card issued by XXXX XXXX XXXX XXXX XXXX. I'm currently an XXXX  and XXXX veteran getting a XXXX XXXX in XXXX  in XXXX XXXX   who honestly went back home to XXXX  during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$XXXX} balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with XXXX and a credit card account for at least 5 years. 

I've been in XXXX displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with XXXX. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that XXXX remove the negative credit report, but I was told XXXX was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal XXXX customer for nearly 20 years with over 9 of those years banking with XXXX as a served as a XXXX in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and  consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left Washington DC at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : //files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf
Consumer complaint received 2023-06-25
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. (TX)

I recently checked my credit report and i noticed some inquiries that i did not authorize : 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 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 2020-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

In XXXX of XXXX, my husband and I purchased a newly constructed home XXXX XXXX in the XXXX XXXX area of XXXX California. Our mortgage payment at the time of purchase, with the principle, interest and estimated taxes was XXXX. We have a VA loan of 30 year fixed. 
On or around XX/XX/XXXX, my husband and I refinanced our home with our current mortgage company, to an interest rate of 3.25 % ( previously at 4.875 % ). 
The new payment was sent to us at XXXX, of which we have been paying on time, every month since XXXX of XXXX. 
I received a statement that our escrow account was at a shortage and we would now be required to pay XXXX for 12 months, until the shortage is made up and then the payment would be XXXX moving forward. I called them and they explained the refinance dept used the taxes from when there was no property built on the land and now it has been reassessed. My problem is they made a huge error because our loan was sold to them, and the estimated taxes we were paying in that previous payment were correct, and the loan officer who re-financed us either was not paying attention or because he wanted us to refi with this current lender, provided the wrong information and included it in our loan. Also, my husband was told by one of the representatives at the current mortgage, that our taxes had been raised and that was the reason for the increase. I called the county assessors office and was told our taxes had only increased by XXXX dollars and that the mortgage company had made the error and was not willing to admit it. 

My husband and I XXXX XXXX XXXX XXXX  and in the current Covid 19 disaster, we are not getting the loads we once were getting and this almost XXXX dollar increase is going to be a hardship we may not be able to recover from and are in danger of losing our home. What are we suppose to do now. The mortgage company made the mistake not us, yet they want us to pay for it or lose our home.
Consumer complaint received 2020-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

Dear CFPB.I would like to inform that in letter dated XX/XX/2019 there are mathematical errors and lies.I repeat that in XX/XX/2019 there was no increase in city tax and home insurance.The mortgage payment, was, before XXXX increased from {$1500.00} to {$1500.00} have included an increased city tax from {$5500.00} to {$6200.00} .This is about $ 50 monthly difference.This different is included in $ XXXX monthly payment.In XX/XX/2019 you increased the escrow deposit from {$650.00} to {$690.00} in the same letter you increased escrow deposit again to {$720.00}, without any good reason, next you added to my monthly payment {$97.00} and you got quote of $ XXXX monthly increased from $ XXXXCould you tell me please how you get the quotes of {$97.00}. 
This is my counting of escrow deposit. {$510.00} city tax monthly, MPI $ XXXX monthly, Home insurance {$77.00} monthly.The total is {$720.00}. It agrees with your calculation.But if shortage of {$760.00} divide by 12 months = {$64.00} extra.If you add {$1600.00} to {$64.00} you get {$1600.00} total. 
How you get {$1700.00}? .Diference $ XXXX.If you multiply this by 360 months of loan terms, this total is {$13000.00} extra to pay off.Sorry I can not accept this. 
I remind you I never pay after XXXX my partially payment, so apply to me late fee is ILLEGAL.Second remind, partially payment can not be counted as unpaid payment.This is ILLEGAL
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have paid multiple late fees since opening the account on one of my credit cards from SynchronXXXX ( some {$400.00} worth ) from one particular account with Synchrony and have yet to receive an adequate fix, or reimbursement. Each time I bring the issue up, I am told things are working find and it is just my bank 's fault, or my own fault for inputting improper information. I've asked to speak with a manager and received no help each time. They claim each time that it is their policy to only waive one late fee each 12 months regardless of the issue. 

I can not check my account information on my own due to the website 's user interface, and I can not delete my old information to re-input it to be sure it isn't a clerical issue. They have offered to input the information for me, but said that if it doesn't work, I'll have to take another late fee and take the issue up with my bank ( XXXX ), all the while, my other credit card with Synchrony works just fine on the exact same bank account. 

I am requesting reimbursement of all {$400.00} worth of late fees, and for the company to fix it autopay issues. It will not allow its customers to schedule a reoccurring date of payment prior to the actual due date of the statement. Since the system is slow, this incurs a late fee each time. I finally found out about a CFPB complaint through a last ditch effort of XXXX searching " Synchrony bank problems ''.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a prior victim of identity theft/Fraud. These are the inquires in question that are fraudulent. 

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