davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of {$2100.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$790.00} opened XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$570.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$240.00} opened XXXX XXXX XXXX  and Bankruptcy XXXX XXXX-dismissed opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXXInquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX and DEPT OF ED/XXXX Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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
Consumer complaint received 2022-12-16
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. (MN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX ( home choice ) ( three accounts ) credit collection servic also has violated my rights They have also violated my rights by having 152 inquiries on my credit report without my written instructions 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 I also have disputed all this information about three times due to my identity being stolen and someone opening up accounts in my name and applying for accounts and services
Consumer complaint received 2022-02-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Winklevoss Exchange LLC (VA)

XX/XX/2022- I received an email stating that my account is going to be closed by Gemini and over {$200000.00} of funds will not be returned to me. Gemini updated their user agreement ex post facto to try to steal my funds.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted TransUnion Consumer, regarding a debt that does not belong to me, XXXX XXXX XXXX, collection debt in amount of {$4600.00} dollars. I sent a letter to TransUnion on XX/XX/2022 and have not received a reply nor the requested information with actual documentation of the debt validation. This is harming my credit and has created denial of my credit approvals, please help.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (WA)

XX/XX/2022 XXXX XXXX XXXX ran my credit without my consent. After being told multiple times it was fraud and sending a letter letting them know it was fraud Equifax continually refused to fix the fraud inquiry where someone tried to use my info to get an auto loan.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (GA)

I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of {$2100.00} opened XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX for the amount of {$240.00} opened XX/XX/XXXX and Bankruptcy XXXX XXXX-dismissed opened XXXX XXXX XXXX I also have 11 inquiries Im not familiar with such as XXXX XXXXInquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX and DEPT OF ED/XXXX Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

I submitted a complaint, and the debt collection company sent over their " proof of debt '' but it is clearly a forged document. Page XXXX dates and property address do not match the remaining pages of the lease. This has been clearly doctored from a previous lease from years prior. Page XXXX of the lease is accurate, it was a month to month lease, so there is no reletting fee. These documents are pieced together from the lease that they are trying to collect on, and previous leases. This is fraud. There are also no invoices from the companies referenced on the statement showing services rendered. This should be removed from my credit immediately, from all XXXX bureaus. I also do not have a contract with the company that is collecting, and do not owe them any money.
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I submitted a dispute on XX/XX/21. I never received the results of my dispute as required by law. I never received a copy of my dispute. When I log into Equifax.com, there is no information about my dispute whatsoever other than an investigation was completed on XX/XX/21. I have received zero information about the outcome. My dispute relates to a credit disclosure I received for a mortgage stating I have " too many consumer finance company accounts. '' I have zero consumer finance company accounts. My dispute number is # XXXX.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MD)

This complaint involves a creditor who is using deceptive practices involving the accrual and collection of interest on credit card debt not earned this year 2019 around XXXX. Synchrony Bank ( aka XXXX 's credit ) - I paid my bill early before the due date and in full. The creditor, however, charged me an interest amount of a little more than {$1.00} through my next billing cycle due date. Basically charging me interest on a zero balance. When I called to complain and request they remove the interest one of the automatic phone prompts was regarding interest due being disputed, which I selected. Immediately upon selecting this prompt, the computer told me my interest due was being waived and my account was now paid in full. My concern and complaint are that by having an auto phone prompt set up Synchrony Bank is knowingly aware of this false and deceptive practice. I believe Synchrony 's hope is the majority of consumers will not take the time to call over a {$1.00} or {$2.00} interest due amount and simply pay it because they are uninformed about what is truly happening. These small interest overcharges will amount to tens of thousands of dollars, or more in extra unearned profit to the bank even if only half of they affected consumers were to call. Please investigate and stop this false debt collection practice. I am sure Synchrony Bank isn't the only credit card company doing this.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (KS)

I am writing to assert a formal Complaint against American Express and XXXX. I have spent hours attempting to obtain a refund from XXXX 's and American Express for a defective pet hair dryer. Clearly, XXXX 's practices violates the mandates of the CFPB, State law and federal law. Moreover, American Express refuses to eliminate this charge from my credit card balance and simply sends form letters with no value or substance, other than issuing a partial credit. Specifically, American Express has refused to honor their warranty provisions of their credit card Agreement in connection with my purchase of a XXXX XXXX XXXX. First, the XXXX XXXX XXXX was supposed to provide some level of warmth to the air it emits. In fact, according to ( the manufacturer 's ) marketing material on the XXXX, they represent : Great XXXX for small and large dogs XXXX speeds, XXXX temperatures 1. XXXX TEMPERATURES In the case of the subject XXXX, there were not XXXX temperatures. There was XXXX and it was room temperature, even after XXXX hour of operation, which was more than adequate for the unit 's motor to generate heat. Second, while safety of the pet is of paramount concern, it would be redundant for the XXXX to have " XXXX temperatures '' if XXXX of the temperatures was not, at some point in operation, warmer than the other. This representation was materially false. 

2. XXXX The XXXX was represented to be a " XXXX '' in the advertising materials, meaning that a " XXXX '' generates blown air and velocity and a " XXXX '' does just that .... it dries. However, since the subject XXXX was defective and would not warm to any level beyond room temperature, it would not function as a " XXXX, '' as represented. This was a material misrepresentation under UCC Section 2-315, the Uniform Consumer Credit Code and applicable State and Federal law. 

3. SIZE OF THE DOG AND SIZE OF THE XXXX In Groomer 's and XXXX XXXX XXXX 's marketing materials, the unit was supposed to be a " great XXXX for " small and large dogs. '' The dogs on whom the unit was used were small to medium sized, XXXX at XXXX pounds and XXXX at XXXX pounds. Neither have long hair. 
This unit would have been ineffective on the smallest of dogs. 
RETURN POLICY : XXXX 's has referenced a " return '' policy. This policy presupposes that they did not sell a defective product. XXXX 's Mall did sell a defective product and relying upon a self-serving return policy will not exonerate XXXX 's Mall or XXXX XXXX XXXX from violating federal or state law. 

It is my expectation that I receive a full and immediate credit on my American Express within 5 days of the date of this complaint. In addition, I recommend that the CFPB further investigate XXXX 's practices based upon their false advertising and illegal business practices.
Consumer complaint received 2022-12-04
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. (IL)

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


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

16 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.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Good day. On the evening of XX/XX/XXXX I received a text message from a bank stating that someone was trying to take {$2000.00} from my account! Reply ( y ) if I authorize and ( N ) if not. So I typed no. 2 Mins later I received a call from Bank of america and the guy who I believe that worked there he went through every procedure. He stated that I needed to reverse it back to myself through XXXX. I Contacted bank of america and XXXX they told me they had all the information and accounts that it went to. One lady I spoke with even said all the number are actually a bank or america number so I thought this was a bank I could trust. This man had all access possible to my account so I believe it was a inside job. They claim they were investigating and came back shortly after stating it was nothing they could do. But yet this is suppose to be a bank that I could trust!!!!!!
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Scott Fetzer Financial Group Inc. (AZ)

I purchased a dog on XX/XX/XXXX fo a total of XXXX I put XXXX down in cash by a debit card, shown in this receipt. The amount showing on my credit report is over XXXX. That is not the correct amount. I never agreed to that ad you can see in the document provided by XXXX XXXX, the amount to be financed is XXXX, that is what I sighed. This is wrong and I've displutwd it twice with documents to prove my case and the consumer is still saying it's inccoret. I will be filing a lawsuit against this company for incorrect reporting.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2022 I received a text message stating that there was fraud on my bank of america checking account. A couple minutes later I received a call. The phone number was the bank of america customer service number. The person on the phone told me there was fraud on my account and they explained how I could reverse the fraudulent transaction online. Once I did what they said, {$3500.00} was taken out of my account. The scammed immediately hung up the phone. I then went to the local bank of america on XXXX XXXX in XXXX va. The manager there told me he was able to erase those transactions to the scammed and I checked my account. The {$3500.00} was back in my account. I then called bank of america fraud/scam dept to report what happened. I was told everything looked normal on my account. The transaction to the scanners didn't go through and everything was fine. The next day XX/XX/XXXX I checked my account and the scammed transactions were back on my account and the {$3500.00} was taken out. I immediately called bank of america fraud/ scam dept and told then what happened. I filed a claim with them. They assured me that the {$3500.00} would be reimbursed within 10 days. XX/XX/XXXX I get an email from bank america denying my claim.
Consumer complaint received 2021-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I was going over my credit report and I noticed Wakefield Associates are on my credit report several times with the same account numbers, same dates and for the same amounts varying between multiple accounts. Some are listed up to 7 times and there is no way possible I have visited a hospital 33 times on the same day. The accounts need to be removed from my credit report. This issue is reporting to all three bureaus incorrectly.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (MI)

Dear CFPB, I am in desperate need of your assistance. We purchased on line two mattresses from XXXX XXXX. Right after delivery we had to put my Mom in a home so we wanted to return one of the mattresses. We left over 25 voice mails for XXXX XXXX. Not one return phone call. We contacted XXXX and they have been wonderful to us and very disturbed by the business practices between XXXX XXXX and American First Finance. The XXXX suggested we file a complaint with against the finance Company because they said there are no returns and XXXX XXXX told the XXXX we accept returns. It has been a complete nightmare and they have strung this out so we are past the 90 days. They have deceptive and corrupt business practices. They are collecting payments in two locations and we asked them to stop all payments until they help us rectify the situation.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I'm set up with automatic payments. Each month, the payments go to the wrong accounts ( I have no control-they apply the payments ). My credit report is showing one account is horribly past due, yet when I call, they tell me that it's fine. This is also affecting my mother 's credit ( my cosigner ). She has also called & been told that everything is current.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS/INQUIRIES AND LATE PAYMENTS that are inaccurate. Please remove these negative items from my credit report immediately.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

Set up external transfers in my checking account and initiated a transfer of {$25000.00} from another institution on XX/XX/21. Funds were supposed to be available on XX/XX/21. Chase suspended the transfer without notifying me. Chase will provide no information as to why the transfer has been suspended. Chase toll-free customer service, which has unacceptably long hold times, has no information on this suspense. " Due to COVID, '' Chase does not answer the telephone at the number provided to call XXXX opt # 3 that supposedly does have information. Customer is left helpless with no answers including no answers as to why the account was suspended, no answers as to the time frame of the suspension, no answer as to the process required to lift the suspension, and no answers on how to avoid an account suspension in the future.
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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.