davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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: AES/PHEAA (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NY)

For the last several months, I have been receiving 2 calls every single day on each of my contact numbers. The callers either hang up immediately, or refuse to disclose who they are or the name of their company. Today I called back for an agent and was connected to a woman named XXXX. She refused to provide any information regarding the debt, agency, or company, and hung up on me 3 times before I immediately requested a supervisor. This debt has already been paid off, and this agency 's repetitious, harassing phone calls without actual communication is extremely frustrating. I didn't even know this number belonged to a collection agency after MONTHS of their spammy calling.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.
Consumer complaint received 2020-09-23
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. (CA)

On XXXX XXXX I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I tried to lift a security freeze on my credit report online, which I have done with Experian several times. I was unable to do that successfully today, after trying multiple times. 
Since I am applying for a home mortgage loan with XXXX, the time line is critical. I called their security freeze line and typed in my information. They advised I had to write in with proof of address change, identity, etc. This is a severe inconvenience. I had no problem doing this with XXXX and XXXX. They need to update their systems or get out of the business. I have had problems with them previously when applying for home loans, as they don't update their information and there is no one to talk to who can resolve the situation.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-01-09
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: CITIBANK, N.A. (MO)

This is a follow up to complaint XXXX I supplied Citi with sufficient information to process a dispute with a merchant. Citi delayed months on this complaint ; there were constant struggles getting the investigator to reply. Nevertheless, Citi 's delays were jeopardizing the ability for the dispute process to occur through Visa. Finally, after submitting a complaint from the CPFB - Citi responded with a letter ( which CFPB was in cc ) stating that their executive office would be proceeding with the dispute and the merchant had 45 days to respond but to allow them up to 60 days to communicate any next steps or merchant responses.

On XX/XX/XXXX ( 60th day from the date of the letter ), I contacted Citi to find out if the merchant had responded. The letter clearly states that if there is no response by the merchant by 60 days, the credit would become permanent on my account.

On that phone call, Citi informed me that they had forgotten to submit the dispute and they would be getting back in touch with me about " writing off '' the debt since they clearly neglected to follow the steps they stated in their letter. I have a voice mail saved from their executive office that I would have a phone call with an answer by close of business tomorrow ( XX/XX/XXXX ). I've never received that call and have placed 15 calls since then at various times of the day - so far, I have left 3 voice mails with no reply.

On XX/XX/XXXX, I received a letter in the mail that I have also attached to this complaint. This letter was dated XX/XX/XXXX ( after the 60 day expiration ) - it now states that they will be working with the merchant and will let me know the reason if they can not get an agreement for a refund. Obviously, this letter contradicts the first letter and demonstrates egregious neglect and/or abuse of a process that I was entitled to when I signed up for the terms of service with using their card.

The CFPB feedback window on the first complaint expires in 60 days from the date of the original complaint ; therefore, I was unable to add these follow up action details. By filing a new complaint and making the CFPB aware, my hope is that they were not able to slide through the first complaint to seemingly comply and satisfy the issue.

My consumer abuse experience is evidence that the lack of action for my qualified dispute is a clear breach of their cardholder rights under the terms of service offered when I signed up for the card. Depending on the response to this complaint, I have been requested to submit all compiled information to the Attorney General 's office for actionable review.
Consumer complaint received 2018-08-15
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: Clarity Services (MI)

On XX/XX/2018 I was trying to get a loan and I was denied. They is reporting the wrong stuff on they site, Ive ask them to remove them, I told them iam under identity thief, please help me
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

old accounts have been previously disputed that are not accurate and they have still been appearing on my credit report along with different old address that needs to be removed because none of them along with workplaces are not accurate, my name is not accurately spelt either i need those to be deleted asap!
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

We have lived at our current address for XXXX  years- We owned our house- XXXX and XXXX in XXXX XXXX XXXX XXXX We have XXXX XXXX phones for let 's say over XXXX years. 
I never had a XXXX XXXX XXXX XXXX did my XXXX open up an account in XXXX XXXX  XXXX XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for XXXX years and I have XXXX years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my XXXX  says that XXXX is the victim!!!!
Consumer complaint received 2020-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has eliminated the website used for submitting auto loan payments, requiring users to sign up to wellsfargo.com in order to make payments online, One of the requirements for access is that wells fargo wants access to my mobile phone information and permission to access files, videos, and addresses on my phone. 

To clarify, I am not trying to access any of there online products via my mobile devices or my phone. All of my online financial transactions are from a hardwired lan connect windows based PC. 

Their excuse of using my mobile device as a means of confirming my identification is completely bogus, my phone is supplied by my employer and has no identifying connection to me.
Consumer complaint received 2018-12-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX I made a call in to XXXX by Goldman Sachs Bank to close out a Certificate of Deposit Account prior to its maturity on XX/XX/XXXX. As a result of this call, I have the following complaint. 

COMPLAINT : During the call, the representative said that the account had paid enough interest that an early withdrawal penalty would not be taken from the principal of the account. This was troubling to me as I did not recall seeing that early withdrawal fees could be deducted from the principal of a CD account. Upon inspecting the Deposit Account Agreement ( LINK 1 below ), I found the following language on PDF pg. 7 : `` An early withdrawal penalty could result in the reduction of the principal. '' ( This line is underlined the in the attached screenshot ) XXXX  ' `` High-Yield Certificate of Deposit FAQs '' page specifically the subsection titled `` What fees or penalties are associated with my CD? '' ( LINK 2 below ) is a near duplicate of the relevant section from the Deposit Account Agreement but omits the line regarding principal reduction. I find this omission dishonest and misleading to consumers. 

I submitted the complaint above verbally to a different customer representative at XXXX via phone call. 

LINK 1 : XXXX : XXXX LINK 2 : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

My 7 credit cards has disappeared from my credit file and my fico score decreased.All these credit cards are in good standing. I called Experian and asked the reason.I was told that I disputed so they removed.I told that I never disputed these credit to be removed and there is no reason I would do it.They said they have documents that they prove it.I asked who gave permission to do so.And they are putting all on me.I explained million times that I did not do it and I spent hours to explain. But now they want to contact all credit card companies to reinstate and report to experian.But I told them it was their fault they fix it. But said I need to call, wasting my time and not even sure how long it will take.Experian is responsible for mess up they need to contact all credit cards to fix.Why should I take headache.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC. (FL)

My identity was stolen and I have a bunch of accounts in collections. My credit score is  crushed! 

XXXX XXXX XXXX XXXX - XX/XX/15 - {$790.00}
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

From XX/XX/2023 to XX/XX/2023, a total of 14 unauthorized transactions were made to my Wells Fargo debit card. Four transactions were made on XX/XX/XXXX, each transaction was for {$500.00}, totaling {$2000.00}. One transaction was made on XX/XX/XXXX totaling {$400.00}. A total of four transactions were made on XX/XX/XXXX, one for {$400.00}, one for {$1000.00}, one for {$1000.00} ( again ), and finally one for {$400.00}, totaling {$2800.00}. One transaction was made on XX/XX/XXXX, totaling {$500.00}. Three transactions were made on XX/XX/XXXX, one for {$800.00}, one for {$700.00}, and one for {$500.00}, totaling {$2000.00}. One transaction of {$300.00} was made on XX/XX/2023. This brings the total of unauthorized transactions to {$8000.00}. Im not sure who stole my debit card information during this time ( could have even been at a restaurant, or anywhere ), I tried calling Wells Fargo multiple times and explained my situation and why my debit card was not reported stolen until XX/XX/XXXX. I let them know I was unaware my debit card was being used by someone else, they still are not cooperating and refunding me my money. How am I at fault someone stole my information and was using it without me knowing? I will keep trying to contact Wells Fargo, hopefully we can work something out.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PNC Bank N.A. (IN)

My husband passed away suddenly so I got behind on bills I got a loan from pnc bank to pay debt off more bills started piling in so I had to get help through a debt relief company I have spoke with a lady at PNC bank and told my problem and explained I was getting help my debt company has sent the bank 3 faxes stated they are in charge now and PNC takes the payment from them but keeps charging late fees on top on the amount they won't answer or give information to the debt company I'm using and I have gave the permission for them to
Consumer complaint received 2023-10-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Reference number from previous complaint : XXXX Amsher Services on behalf of XXXX. Previously requested no further contact. 
Yet Amsher Services persists with mailing me letters demanding payment. 
I have previously demanded they no longer contact regarding this matter. 
Current mailing has a XXXX form for fraud dispute investigation. 
Note : I have never had XXXX services or devices. Never subscribed to or cosigned for XXXX services. Made a payment for another party. This other party defaulted on their account. XXXX fraudulently used my personal information without my permission in attempt to collect for a service that was not mine. 

There is statutorily an interstate aspect to this matter with respect to fraud. 
XXXX is in multiple states. 
Amsher Services is in Alabama. 
I live in Texas. 
The form from Amsher Services for XXXX requires a police report. 

XXXX  would not provide me any details about how my name came to be associated with this account in such a manner that would allow them to pursue a debt defaulted on by another party. 
The only name ( XXXX ) I can provide for a police report would be : XXXX and Amsher Services I contacted Amsher Services on their toll free number on XX/XX/2023 and reiterated about the facts of this situation. Paid a payment for another party, other party defaulted on the account, I was not the subscriber, did not cosign or otherwise allow my personal information to be used outside of the payment made on behalf of another party, never had any subscriptions or devices for XXXX, XXXX is attempting to commit fraud.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018 my bank account was closed for withdrawals. I called Capital One. 

They stated that a payment I received had been marked as fraudulent and unauthorized via XXXX, the payment amount was for XXXX on XX/XX/2018. This transaction was the payment for the receipt of digital goods off of XXXX. I engaged with a trade for XXXX with a user, and they authorized this payment. 

The bank froze all my funds, despite my account balance being ( XXXX ), including access to my direct deposits ( which were verified and cleared ) of XXXX and XXXX. They allowed me to make a withdrawal of XXXX but I was on the phone for six hours, I do not have any verification from them about this transaction. They also did not dispute this charge with me, they did not ask for verification ( which I have! ) on the XXXX which includes encrypted, signed and verified chat correspondence with the user ( for the exact amount ), the payment method. 

I have attached screenshots of verifications of these transactions. They can be looked up on the XXXX network ( XXXX XXXX XXXX ) which is an UNCHANGEABLE registry of actions. I can provide additional documentation. 

In addition, the account associated with my XXXX  account balance here shows ALL the funds deposited to this XXXX  account. 

They are asking me for unreasonable information such as the contact information of the user, rather than asking me for proof of the transaction, which was verified on the ethereum network. In addition, they are closing ALL of my funds, including funds that were in no way due to a payment, while I was on vacation.
Consumer complaint received 2022-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I LOCKED capital one XXXX XXXX ending in XXXX because I lost it and I did NOT want any unauthorized transactions or anybody to find the card and use it .the card was LOCKED on XX/XX/2022 so the response I received from capital one that they are investigating the charge of XXXX dollars from XXXX is NONSENSE since the card was locked and NO transactions should have went through .so capital-one needs to give me a permanent credit of XXXX dollars. 
A charge from XXXX for XXXX dollars to my capital one credit card was approved but it should have been declined because the card was LOCKED. The card has been locked for more than a month and NO transactions should have went through.. what kind of company that gives you the option to lock your card but then they approve any transaction while the card is locked. 
How did XXXX charge my card without my authorization and without me having the card and without me buying anything. This is all fraud by capital one and XXXX.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

On are about XX/XX/2018, I purchased software from XXXX this was a straight purchase not reoccurring monthly billing in other words I purchased the software out right. 

To my suprise and without my consent or knowledge XXXX with the help of Citibank set-up my card for reoccuring charges. 

I never authorize XXXX to retain my credit credit information or consented to any reoccuring charges. I immediately reached out to Citibank and asked them to remove XXXX and several other vendors from doing reoccuring charges explained I never consent nor was it ever disclosed these companies were maintaining my credit card information. 

Citibank refused to remove the vehicle for vendors to do reoccuring charges told me I had to reach out directly to all vendors. 

Citibank is responsible for the privacy and charges on my account and refused to take any action to stop this practice. I reached out to XXXX whom claimed they had not knowledge of the account being set-up for reoccuring charges. 

I immediated emailed XXXX a copy of the statement showing where my Citibank account was set-up for reoccuring charges and they denied taking such aciton blame this on Citibank and refused to take any action. 

Therefore, I am reaching out once again to CFPB for consumer protection against the voliation of privacy and security.
Consumer complaint received 2022-07-16
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: NAVY FEDERAL CREDIT UNION (AP)

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. Navy Federal Credit Union XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX