davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to contest the response given to me by Experian for a dispute I filed via the CFPB on XX/XX/XXXX. CFPB File # XXXX. 

The initial dispute was over a closed collection account on my Experian credit report for XXXX XXXX XXXX. My dispute and reasons for it are indicated in that case file. 

However, while Experian did respond, there is no indication in their response that they made any attempt to contact XXXX XXXX XXXX about the facts/information regarding my XX/XX/XXXX dispute. 

Instead, per the response, Experian relied on an initial dispute/inquiry into the situation that I had placed through them directly in spring XX/XX/XXXX. Their result at that time was unsatisfactory, hence my dispute via CFPB on XX/XX/XXXX. 

I find Experian 's efforts into my XX/XX/XXXX CFPB dispute unsatisfactory, as the situation warrants further energies and investigation on their part. 

Furthermore, I have made good faith efforts to resolve the issue directly with XXXX XXXX  XXXX - via phone and mail. XXXX XXXX XXXX has failed to respond. Just as they failed to contact me in XX/XX/XXXX about my outstanding balance, never giving me a chance to clear the final bill before it was reported to Experian in/around XX/XX/XXXX.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This company send me a letter stated trying to collect on an alleged debt. I have never done business with this company furthermore I don't believe I owe any debt. This document was sent in a positive amount which misleading and false. This company has failed send me any validation of this allege debt they are attempting to collect. They have violate my right a natural person I am the original creditor and only I can validate a debt and I do not validate any debt. This company has a habit of violating consumer right under the FDCPA
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/XXXX RE : Last 4 of XXXX XXXX To Whom It May Concern, On XXXX of XX/XX/XXXX, I disputed an account reported by Self Financial Lead XXXX in the file you maintain under my social security number. 
I was informed in XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cc : Consumer Financial Protection Bureau ; Attorney Generals Office ; XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

The balance that shows on my credit report is wrong and I paid XXXX off and it still on my credit Moneylion XX/XX/2022 To whom it may concern, As per our request, XXXX XXXX, We would like to inform you that your MonevLion loan XXXX has been paid in full. The loan was opened on XXXX in the amount of {$500.00}. Your final payment in the amount of {$230.00} was received and posted to your account on XXXX. 
Should you have any further questions, please feel free to reach out to our Customer Service Support team during business hours at XXXX. 
Thanks for being the best part of MoneyLion! 
Best Regards, MoneyLion Support
Consumer complaint received 2022-04-13
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX the following partial Account # s have violated my rights. 
XXXX XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

A few weeks ago, a friends of mine had clients of his company send my money because his business account had issues receiving money. When his clients send me the money through XXXX, we verified amount and correct location to where the funds went. Everything was good. Now Wells Fargo has decided to close my accounts and hold my money for unauthorized payments despite both parties verifying funds. They will not further investigate and now I am left with no money and no way of receiving my funds until account closure which they hinted at being pushed back.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (IL)

I have paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

On XXXX XXXX, 2015 send letter to Enhanced Recovery Company requesting verification that this account belongs to me. Requested copy of contract with XXXX with my signature. Instead they just send me a letter back saying that they verified the information with their client XXXX.
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

on XXXX, of XXXX  i have reach out to XXXX XXXX XXXX in reference of a account that was open fraudulently due to someone stealing my identity as well as XXXX XXXX there's also two account on my credit report that was also open fraudulently due to theft identity i reach out to XXXX XXXX XXXX several time along with XXXX XXXX XXXX XXXX due to an account that has been close for several years this account belong to my ex wife also there's two account with XXXX XXXX XXXX that doesnt belong to me due to identity theft.
Consumer complaint received 2022-04-13
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. (FL)

Account # 1 : DEPT OF ED/XXXX  Account # XXXX Account # 2 : DEPT OF EDXXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (NY)

LoanDepot.com has been " experiencing a cyber incident '' ( their wording ) for about two weeks as of XXXX XXXX. I pay my monthly bill online and have been unable to do so. Today I tried to call their customer service at about XXXX XXXX EST but a recording said their office was " now closed '' and then told me the office was open " from XXXX XXXX  '' to some time in the evening. So, I can't contact them for any more information nor to give a payment over the phone. This " cyber incident '' is going on much longer than it should for a reasonably competent financial organization.
Consumer complaint received 2022-04-11
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX  XXXX Balance : {$34000.00} Equifax XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00}
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (WI)

Hello. My name is XXXX XXXX. I am a customer of BMO Harris Bank N.A . 

XX/XX/XXXX I called the BMO customer service help line and filed XXXX transaction disputes. The XXXX transaction was posted on XX/XX/XXXX in the amount of {$710.00} The XXXX transaction was posted on XX/XX/XXXX in the amount of {$110.00}. Both transactions came from the same merchant. XXXX XXXX hotel. 
The transaction dated the XXXX was from a reservation I made online for a stay at this hotel. Online this hotel states it is 'pet friendly '. 
After making online reservations, once arrived I went into the hotel lobby to check in, all was fine at this point. I verified my card, my id, ECT ECT. As we were about to part ways, I was given the hotel key, the guest service representative realized that I had a cat with me. She stated that that's not allowed. I pointed out the claims states on their website. Nonetheless, she informed me cats are never allowed. Dogs only on a single night basis. She then told me that she would need to cancel my reservations. But assured me the charges would reverse before they finish processing. That never happened. Not only was I not returned the {$710.00} for my online reservation they cancelled. I then find out that another nights charge was posted on my account. When I called with my concerns to this. I was told that I would receive the refunded credit for the cancelled booking however due to cancellation policy I am responsible to provide payment first XXXX nights rent. For cancelling. But I didn't cancel! 
I tried for weeks too work this out with the merchant and had no success. XX/XX/XXXX I contacted BMO and filed the dispute. I called almost daily to receive updates as to this only to be left on hold again and again. 
I am a single mom. {$800.00} is allot of money to lose out on for something that was never recieved. 
BMO informed me today that my claims were denied but could offer me no explanation as to why. So I was put on hold again until ultimately the call was dropped
Consumer complaint received 2022-04-11
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)

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Credit Bureau : Equifax Account Name : Unkown Account No : XXXX Account Balance : {$140.00} Credit Bureau : Equifax Account Name : Unknown Account No : XXXX Account Balance : {$200.00} Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.
Consumer complaint received 2022-04-13
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. (NY)

Dear Equifax you are in Violation of Fair Credit Repair Act ( FCRA ) Remove the following account from this credit report immediately and I do not authorize any of these items to be reported once removed. 

1. XXXX XXXX Bank ( Remove this account due to inaccuracies with account type ) -This account status is being reported fraudulently. 
The original creditor has confirmed this account is in good stand and the status of this account is OPEN not closed. 

Please present methods of verification of this account directly with the original creditor. Please provide evidence of validity of the errors being reported. 


A complaint has been filed with the Attorney Generals Office of XXXX XXXX
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/XXXX I called and started a dispute for charges to my account that I believe to be fraud totaling {$1400.00}. On XX/XX/XXXX I got a message in my Suncoast Credit Union app that I didn't see until today XX/XX/XXXX. The message was telling me that they were reversing the credits they gave me back in XXXX when I filed the claim. Today, XX/XX/XXXX Suncoast Schools Credit Union debited my account {$1400.00} and paid the company that I had reported as fraud! I asked why and they said the merchant had proof. When I asked for this proof XXXX, badge XXXX at Suncoast Corp office, told me it would be at least 5 days before they could provide that. XXXX then refused to file fraud claims on the charges again and argued that the charges were not fraud! I am curious who gives her the authority to make this call? Is she the judge, jury and executioner? When I asked for XXXX supervisor, she told me it would be 48 hours for a callback from a supervisor. 
She was rude and refused to let me appeal the banks decision on this fraud claim. I wasn't consulted at all about these disputes and the bank does not have readily available proof of this debt, available to me. They have refused my right to file disputes for these fraudulent charges and wouldn't allow me to close this account or provide me with proof of these charges and furthermore, would allow me to escalate my complaint. Meanwhile they have debited my account {$1400.00}!
Consumer complaint received 2022-04-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CA)

In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, that was originally leased through XXXX XXXX leasing, later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. I have been registered at my address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX I have never been contacted in any way by XXXX XXXX  since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing. I mailed a demand letter which was received on XX/XX/XXXX an Im aware the original creditor, 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  ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Consumer complaint received 2022-04-13
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. (PA)

Experian has included an alleged bankruptcy on my consumer report without oral or written consent or validation of the alleged item. I've written to the company numerous times regarding the methods of verification used to disclose this item. The company has yet to give a reasonable explanation for any of the information I've requested in a letter dating back to XX/XX/2021. 

The company has not only infringed upon my right to privacy but has caused a great deal of stress in my life. The action of the company also constitutes fraud.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX/XXXX/2016, I had applied to open the XXXX XXXX XXXX credit card through American Express. I had applied for this card directly due to the promotional mailer that they had sent me prior. This mailer had promised XXXX XXXX XXXX after {$2000.00} worth of purchases within 3 months of account opening. By XXXX, the total number of purchases had reached {$2000.00}. The terms of service state that the promotional points would be posted within XXXX8 weeks after the spend requirement had been met. It has now been over 14 weeks since then and American Express has still not upheld their terms. 

I had directly contacted American Express at the beginning of XXXX regarding the points via chat. They informed me that I had indeed met the requirements for the points and to now wait. I called again at the end of XXXX, was confirmed that the requirements were met, and then to wait 5 business days. On XXXX, I had again reached out to American Express via phone as the points had still not posted to my account. Again, the minimum requirements for the offer was confirmed to have been met and was told to wait for another 2 weeks. By XXXX ( 14 weeks after the requirements were met ), I had called American Express again and reached XXXX. He confirmed that once again, the requirements had been met ( this is the 4th confirmation directly from American Express ) and to now wait another 2 weeks. 

In two weeks, I would have waited a total of 16 weeks. This is twice the amount of time that American Express ' terms of service and contract regarding this promotion states. 

I have been a loyal customer to American Express. This business practice is unacceptable and will not be tolerated.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Our account has been compromised at CITI BANK for unauthorized wire transfer for {$20000.00} ( same day on XX/XX/XXXX  ) i reported over the phone and not satisfied and went to our branch to complain they freezes all my accounts and till today no result as XXXX XX/XX/XXXX  Every time i asked the Branch Manger she has no answer and my business is having issue. I am not satisfied with the bank treatment of not taking care of r this issue.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IL)

this is another credit card that i did NOT open i have tried to call the bank but there are not picking up pls cancel this and make this sure that i do not have to pay anything as i did not authorize this at all pls help
Consumer complaint received 2022-04-13
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. (LA)

I contacted XXXX  to remove fraudulent inquiries on my credit report, on XX/XX/2022 through the fraud department the inquiries stayed on my credit reported they just updated my information Also transunion under the civil law ( 15USC 1692k )
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DIGITAL FEDERAL CREDIT UNION (GA)

I was a victim of ID Theft, I was starting to get collections letters in the mail and phone calls, so I pulled my credit I saw several things on my credit report. These accounts are not mine. I have contacted the companies and they refused to help me. I would to have the following accounts removed from my credit report : Digital Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX