davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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: WELLS FARGO & COMPANY (RI)

In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. In O ) cober of XXXX I r3ecieved a notice from Wells Fargo Bank that my account was being closed due to delinquent payments. I contacted Wells Fargo and notified them that I never had a Wells Fargo account and filed a fraud claim. This situation is currently being investigated by Wells Fargo. On XX/XX/XXXX I received a notice from XXXX bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the Wells Fargo account and the XXXX Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with Wells Fargo and XXXX bank.
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The CAPITAL ONE failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix this account completely from my Credit Reports : CAPITAL ONE XXXX
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (LA)

Opened multiple XXXX XXXX credit card accounts with citi bank. Citi bank offered miles in return for money spent. Many thousands of dollars spent resulted in award mileage of XXXX as of XX/XX/2019. Mileage account tied to citi spending was involuntarily closed and all mileage earned was taken away without any communication or compensation offered by the bank.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hi, My complain about : paypal banned my account since last year XXXX 2022, My money was stock. I comply with their rules and regulations and still blocked my account. Thanks for helping My paypal acct : XXXX XXXX
Consumer complaint received 2023-01-27
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings (MO)

XX/XX/2022 AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KS XXXX This company has been sending me collection notices in the amount of {$1400.00}. This collection has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does NOT have a contract with my signature. Here are two other companies as well, reporting to my credit report. 
XX/XX/2022 XXXX XXXX XXXX Amount {$640.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Amount {$370.00} XXXX XXXX XXXX XXXX MO XXXX I do NOT have a signed contract with any of these companies.
Consumer complaint received 2022-03-08
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 (NC)

{$4.00} was not provided to my account after a shipment was never sent to me. 

{$12.00} was charged to my account against the timely ATM record. 

The Bill Payment service provided a confirmation of my timely payment XX/XX/2022. I should not have fees charged against me for a timely payment because I used a bill payment service.
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VT)

This complaint isn't about the company per se XXXX XXXX. The complaint I have is that I currently owe approximately 50K in student loans. I have been trying to pay what I can, but am struggling to make those payments in addition to my other obligations. When I went to college, I had to pay full tuition. Now, in NYS they have free tuition options to state schools which is where the vast majority of my student loans came from. I think that it is unfair that I have to pay back the loans that were accrued when I was attending 2 state schools, XXXX XXXX and XXXX XXXX XXXX XXXX College. I realize that when I attended XXXX XXXX College and XXXX University online those would not have been in that category. I just find it unfair and disheartening that I am unable to make any dent whatsoever in the loans and hoped at least the loans accrued while attending a state school could be forgiven. I wrote to the company to try to get contact information for someone I could speak with about it and wrote to some people in the NYS Dept of Education, but have not heard a response. I am just looking for help and assistance and hoped that being a XXXX  XXXX XXXX, maybe I could get some help. Thank you for your time.
Consumer complaint received 2018-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmart, LLC (CA)

Lendmart has charged me 14 times in one day on XX/XX/18, via an ach withdrawal which I only authorized one payment amount to be paid for {$68.00} for XX/XX/18. 
They sent an email stating they have not charged me since XX/XX/18, however I have my bank statement showing the charges from this company. 
They later claimed an outside merchant charged my bank account 14 x, my bank account was drained, I was without money and had to leave work. 
The Banker sat there with me and could see the charges continue to be taken out of my account. They had to stop my account and made a claim through XXXX XXXX. 
Also my bank will also have to issue me a credit for Lendmart 's error which they are under investigation with my bank XXXX XXXX as well. 

Today XX/XX/18 I received an email saying I am now past due, which is impossible, as they have taken out several payments in one day. 

A few months ago Lendmart also took out money from a different account that was not only my account, I did not give permission on, I only made a previous payment with said account and they had to refund that charge.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Rent To Own (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH EXPERIAN ABOUT XXXX XXXX AND XXXX XXXX ( NOW XXXX ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. XXXXXXXX XXXX AND XXXX HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME XXXX  TO WHERE I ALMOST HAD TO SEEK XXXX XXXX. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT XXXX ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.
Consumer complaint received 2021-10-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I filed a dispute with Portfolio Recov Assoc and ever since the dispute, for 3 weeks in a row, this company keeps flagging this account as negative/collections and intentionally lowering my credit score. This company did not do this until I filed the dispute. Portfolio Recov Assoc is doing this in RETALIATION for filing a dispute.
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter to experian about items furnished on my credit report without my consent. I am furious as these items are damaging me as a consumer XXXX cant even purchase a house because of it. It has been over 30 days and I have yet to receive a response!!! This is absurd
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (DE)

I am writing to file a formal complaint against JPMCB ( Chase Bank ) for violations of the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies and improper reporting practices on my credit report that I believe contravene the FCRAs requirements for accuracy and completeness. 

Unauthorized Change of Account XXXX : JPMCB changed the name of the fraud account that I have already complained about and reported this change to the credit bureaus without notifying me. Seems as if they are trying to find a way too continue reporting this fraudulent account. This action has resulted in confusion and potential inaccuracies on my credit report. According to Section XXXX ( a ) ( XXXX ) of the FCRA, furnishers of information are required to report accurate and complete information. Changing the name of the account without my knowledge could lead to inaccuracies and misrepresentation of my credit information. 

Duplicate Account Reporting : JPMCB has reported the exact same account twice on my credit report. This duplicate reporting is a clear violation of Section XXXX ( a ) ( XXXX ) of the FCRA, which mandates the accuracy and integrity of the information provided to credit bureaus. The presence of duplicate accounts on my credit report inaccurately reflects my credit history and can negatively impact my credit score. 

Specific Violations Violation of Section XXXX ( a ) ( XXXX ) : By changing the name of my account without informing me, JPMCB has potentially reported inaccurate information. 
Violation of Section XXXX ( a ) ( XXXX ) : By reporting the same account twice, JPMCB has compromised the integrity and accuracy of my credit report. 
Failure to Notify : JPMCB did not notify me of the change in the account name, which can be argued as a failure to ensure transparency and fairness. 

I request that the CFPB investigate these issues and take appropriate action to ensure that JPMCB corrects these inaccuracies. Specifically, I request that : JPMCB removes these accounts from all credit bureaus, and also hrequest the cfpb, the XXXX and the occ to help me with a civil lawsuit against them to ensure similar issues from occurring. 

I have attached copies of my credit reports with the accounts showing multiple times as well as the name change.
Consumer complaint received 2018-08-03
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXXXXXX filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims. 

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over 1000 fraudulent debt collection cases.

I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and the subsequent actions filed by XXXX   using obvious fraud documents.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at SPS. 

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and SPS denied me saying they do not want to help with a modification. I have not had any problems with my mortgage since 2011 ( recession ), and my income can support the mortgage payment.
Consumer complaint received 2018-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXXXXXX XXXX XXXXXXXX in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted Capital One numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.
Consumer complaint received 2018-08-02
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: SYNCHRONY FINANCIAL (IL)

I received a letter from XXXX XXXX about a Care Credit account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid Synchrony about {$60.00} on this account this month. Synchrony never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. Synchrony has all this negative information reflected on my credit reports. I need this resolved right away.
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-20
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: CITIBANK, N.A. (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (WA)

Synchrony bank pulled my credit without consent. They never notified me that they would pull my report, but in a letter they sent me admitted they pulled my credit and then used that as an excuse to deny an account ( since my credit file is locked ).