davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I had {$300.00} stolen out of a Wells Fargo ATM. 

On the evening of XX/XX/2023, I stopped at a drive-through Wells Fargo ATM XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. There was a silver truck in front of me. When that silver truck pulled away, I pulled up to the ATM. As I was doing a cash deposit, that silver truck pulled up behind me. I somehow left without my ATM card, I believe I either set it on the hood of my car and drove away or it slipped out of my pocket. Either way, I left the ATM without my debit card. {$300.00} was taken out of the ATM that evening or night and the truck behind me XXXX have installed a skimming device to get my pin. I did not enter my pin and withdraw {$300.00}. 

I filed a claim with wells fargo on XX/XX/2023. They denied my claim. When I called to ask why, they refused to elaborate. They gave me no explanation, gave me no evidence, and refused to describe how they investigated the incident. It's not clear if they even investigated the fraud claim at all. 

On XX/XX/2023, I filmed a police claim with the XXXX police department. Claim # XXXX
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately. The account is negligently and inaccurately reporting failing to comply to 15 USC 1681 for Misleading False Reporting. 

XXXX XXXX XXXX Account Number : XXXXxxxx Account Type - Detail : Child support Date Opened : XXXX/XXXX/2018
Consumer complaint received 2021-12-09
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: GOLDMAN SACHS BANK USA (FL)

Hi. I ordered a XXXX electric toothbrush on XX/XX/XXXX for XXXX. I received it XX/XX/XXXX. It wouldnt turn on and was broke. I called XXXX XXXX XXXX customer service number and they told me due to Covid they are not taking returns or Credits. I disputed this with my Goldman Sachs card. Ive since come to find they have the worst customer service in the business and dont care if you receive something that doesnt work. I have now disputed this 3 times and they keep coming back showing me proof that I received the tooth brush. I did receive it and I keep telling them that. I dont understand how I can be stuck with this product that is broke.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX FIN # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

This is now my XXXX complaint with this creditor. The original creditor on this account is XXXX XXXX XXXX XXXX . However this account was sold off to Jefferson Capita in XXXX XXXX. Jefferson capital has admitted in their response that they're the current creditor and head creditor of the account. They also admitted in the letter that they started reporting on the account in XX/XX/2023. They're not aloud to report on my credit with it being a sold off account and report them selves as the head of the account and report on my credit. It is illegal to do so. Id like this account fully closed and taken off all XXXX of my credit bureau files
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX FIN # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

While reviewing my credit report, I noticed unauthorized and unverified hard inquiries on my credit report that need to be removed immediately under the FCRA. 


XXXX  Date of Inquiries : XX/XX/year>XXXX  & XX/XX/year>XXXX  XXXX Mortgage Date of Inquiry : XX/XX/year>
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

Dear CFPB Team, My lender Citadel is not responding to any of my emails or phone messages. I was placed on an approved forbearance during the Corona Virus Shutdown and have not missed any payment since the forbearance ended. However, Citadel is treating our account as late and has caused us unbearable stress and threats of foreclosure. Their representative, XXXX XXXX XXXX from XXXX requested that I provide a locked loan approval to suppress any negative credit reporting so I could finalize my refi with a new lender. I did submit the locked loan approval about 10 days ago which will expire by the end of this month. However, Citadel has not reported as us current and we tried to get a hold off XXXX XXXX XXXX from their Customer Advocacy Team ( who is handling our account for the past year ) via email and phone for 1 week now without any success. Moreover, we have tried to get any other supervisor on the phone without any success. No one is returning emails or our phone calls and our last 3-month mortgage payments, which we made over the phone with a live representative at Citadel, were initially accepted and then returned to us a couple of weeks later via check. It seems they are trying to avoid speaking to us so they can start the foreclosure process. The moment we asked Citadel to join the California Mortgage Relief Program which was created to help people like us, who fell behind and were placed on forbearance during the Corna Virus shutdown in 2020, Citadel started retaliating against us and placing our monthly mortgage payments without telling us into a suspense account and then returning the funds. We have not been able to pinpoint what they are hiding and why their upper management did decide not to join the California Mortgage Relief Program. It would have been a wonderful solution for us and them and it seems that their business practices are so shady that they are completely closing off their affairs to outside agencies. Furthermore, we tried again to get any representative on the phone yesterday and today who could help us with our refi issues and were told by XXXX XXXX from the collections office that he sees 3 prior requests by us for a supervisor call back which unfortunately have not been returned at all. Yesterday again, there was no supervisor in 3 different departments available to talk to us. This is completely unprofessional, unethical, and incompetent for a financial institution. Please help us investigate Citadel 's business practices. 
Thank you very much. 
Best wishes, XXXX XXXX
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (FL)

I was making a payment via XXXX from my checking account with US bank. For some reason an unknown persons number was on my list and I clicked that name by accident, but I did not complete transaction and tried to go back to correct it, instead XXXX, completed the transaction without my authorization and sent the money to an unknown person. I immediately called US bank and told a rep what had just happened. They said the money had already left my account, which made no sense bc I did not finish the transaction. They said I could open a claim and it would take 7 days to resolve. They reassured me it would be corrected. I waited a couple days til my XXXX XXXX went back down and called the bank again bc the money had still not been returned. They told me a completely different story this time but said the money would be back in my account by Monday. Monday came and still no money. I called again, this time they changed their story to the claim had been rejected and closed and there was not going to be any correction. I asked for the name of the person I spoke to earlier who said I would have the money back by Monday, because I know these calls are recorded and notes have to legally be made. I used to work in the banking compliance sector. They said they had no record of the calls. They kept changing the subject and making excuses and transferring me to other people and finally they just hung up on me. This is insane! I have never been treated so disrespectfully by this bank before and it was an error with their app. I never completed the transaction and it went to a recipient that should never have been in my list of recipients bc I didn't even know them. I am semi-retired and can not have the banks messing up my account and taking my money like this. They were unprofessional and unapologetic and had no desire to rectify this error that is clearly a glitch with their app.
Consumer complaint received 2022-03-22
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: CL Holdings LLC (PA)

XXXX has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with XXXX  including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze on my report.
Consumer complaint received 2019-10-17
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. (TX)

Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, Experian and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.
Consumer complaint received 2019-10-17
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: LEXISNEXIS (TX)

Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, XXXX and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (VA)

On XX/XX/2019, I attempted to open an account due to information obtained from : Early Warning Services , LLC, Attn : Consumer Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, it was denied. I faxed correct forms and 2 ID copies to this agency on XX/XX/2019 and received confirmation it was received. They only ask for one, but I furnished them with two IDs. They have refused to furnish me with my consumer report claiming ID was not readable. I have an exact copy from the fax machine showing both IDs are clear and legible. This agency wants to report something negative to the bank I attempted to open an account with no regards to the consumer and no verified proof the information they are reporting is correct and has failed to allow me to obtain a copy of what they are reporting so it can dispute the information. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!!!! Such agencies are allowed to report anything they want on a person with no regards as to how it effects people. The consumer is required to jump through hoops to protect their rights while this agency reports inaccurate information. The burden of proof and the effort involved to correct errors is ridiculously placed on the consumer while agencies report whatever they want!!!!!!!
Consumer complaint received 2019-10-17
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. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2019-10-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

After getting a response from LoanCare where they offered a solution to this issue, I attempted to call the individual in charge of this inquiry, XXXX XXXX XXXX. She listed her number and extension as ( XXXX ) XXXX ext XXXX. This extension, according to the automated phone service they use, is not a valid number. In effect, LoanCare is impossible to reach. 

Furthermore, XXXX XXXX never addressed the two letters I received from LoanCare, where they admitted to having received the partial payments I made, and they clearly stated they would bring my account current. 

I went ahead and made a double payment in XX/XX/XXXX of this year in an attempt to bring my account current, but because the partial payments were not applied to my account in the appropriate manner, LoanCare did not consider this amount to be sufficient. 

LoanCare asked for {$270.00} in XX/XX/2018 to bring my account current, as this would be used in conjunction with the partial payments of {$650.00}. and the unapplied funds of {$490.00}. As it stands, the {$490.00} LoanCare had listed is unaccounted for in the payment history supplied by LoanCare. 

I have mailed through priority mail the {$340.00} LoanCare requested to bring my account current. I am putting this piece of information here to document what I have done, in the instance that these funds are also not applied. To reiterate, if these funds are not applied properly and are not used to bring my account current, this would be the second time money paid to LoanCare has gone unaccounted for.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

I Joined a gym, Later I wanted to go for personal training in the same gym and I consulted for that. I signed up at the gym for personal training sessions and while signing none of the information about the 30 day personal trainer cancelation was informed, only 30 day cancelation for gym was informed. i asked still they denied that there is no 30 day cancellation for personal training sessions. the personal trainer was not doing enough sessions as mentioned and multiple other things were not according to the agreement mentioned while signing up at the gym and other reasons with the gym i canceled my gym membership. weeks later, I received a mail from a collection firm regarding a debt of {$1400.00}. I reached out to the firm and they mentioned that they are attempting to collect the debt of {$1400.00} on behalf of a gym membership. I Informed the debt collector that the amount is wrong and I have no Debt with the gym, i cleared everything before i left the gym. I tried to explain the debt collector the situation and also mailed the email thread that I have with the gym. After a few days of mailing the documents. I again received a call to pay the money, And no one even confirmed if they receive the mail. Instead I am just constantly asked to pay the amount, if not this will be reported on my credit. I requested a lot of times if I can speak to an adjuster or a negotiator or someone who can help me dispute this issur because this is a wrong amount. 
I received no help. Instead I was said if I don't pay this would be reported to the credit.I can not pay such a huge wrong bill. I tried raising a dispute and was not taken into consideration. Please help me and guide me with this situation.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.