davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

We called them I believe around around end of XXXX or early XXXX We had purchases between XX/XX/XXXX to XX/XX/XXXX that we did not made. All the purchases were also made around the same area were around XXXX XXXX, XXXX XXXX, and XXXX XXXX. Places between those times I have never been too. I mostly stay at home I am a college  who is taking online courses and I can not drive. And my mom worked most of those days and she would be the only person possible who could have access to my card. I disputed these charges however my Chase bank also refunded me some of the charges but claimed that I received benefits from the transactions in which I definitely did not. Some of those restaurants I have never heard of in my life and I especially have never been to those places ever.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/20 I applied for a Capital One Savor credit card. The card offered a {$150.00} sign-up reward. The application was denied and a letter was sent stating that the reason for the denial was " Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months ''. My credit score at the time was XXXX to XXXX at the 3 different credit bureaus, my income is {$390000.00} per year, and I had 0 to 2 credit inquiries on my credit report. I had 3 credit cards opened in the last 24 months ( 19, 11 and 6 months ago ). My credit scores have been in this range for years. 

I reported to Capital One that I did not understand the rationale for their decision. I was told that a supervisor would call me to review the result with 10 business days. That did happen. They called me and asked me to call back. When I did, they simply told me the application was denied. There was no further explanation. 


I expressed to CapitalOne that I was concerned that my application was denied due to my age or what they may have inferred from my last name, as the decision seemed improbable. Perhaps they did not like that I always paid my balance. They did not respond to this. 

I am asking CFPB to investigate this as a discrimination concern ( age, religion, nationality ). I would like to know the percent of denials for people with similar income, credit scores and credit inquiries irrespective of age, race, religion, or nationality. Thank you.
Consumer complaint received 2020-02-26
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 submitted a credit dispute relating to a XXXX XXXX XXXX Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called XXXX XXXX XXXX and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.
Consumer complaint received 2017-12-26
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. (FL)

I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-12 XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.
Consumer complaint received 2020-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc. (TX)

I applied for a loan with Upstart, the request was not approved. It was required to create an account with Upstart to submit the application and since I was not getting a loan with Upstart I no longer needed an account with them. Upon my request to delete / close my account, I was told that my account was not able to be deleted at the time of my request to do so. I then asked when will I be able to delete / close my account, was then told that federal regulations prohibit Upstart from deleting / closing my account. I asked what federal regulation it is that prohibits the closure and was given their privacy policy instead. I asked again for the federal regulation they were abiding by and was then told that I already received a response to my inquiry and that Upstart considered the matter resolved and that there we be no further communication concerning my inquiry. I then called to ask what federal regulation they were following that prohibited them from deleting / closing my account and was told they aren't allowed to divulge thier practices. If there is a federal regulation that prohibits the deletion of my account, fine but if there is not, is it legal to maintain an account on someone against consent?
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I am writing today through this portal as my last resource after dealing with Wells Fargo and not getting a fair solution on my case. This company is reported a fraudulent item to the credit bureaus. They are committing multiple violations to the Free Credit Reporting Act. 

I contacted them on XX/XX/2019 through a dispute letter sent via fax ( please see fax confirmation attached ). They didn't even investigate the account or take in consideration my dispute notice. 

I am demanding a deletion letter from Wells Fargo. Despites I have been a good customer, they are not being fair with me. If Wells Fargo denies my request, I am willing to let a courthouse decide for them. I want the following account, that is related to fraud : WF CRD SVC XXXX. Date Opened XXXX XXXX Credit Limit $ XXXX.Closed. 

Attached : Proof of fax, letter sent to WF, FTC Report.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (VA)

Noticed on my credit report that Allied Collection XXXX XXXX XXXX is requesting that I pay XXXX. I have never received any collection notices and have disputed this bill with XXXX for incorrect billing. Im trying to purchase a home and I cant afford to pay for charges that I have never received and that are not valid which is fraud.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NV)

I have signed up for Citi AAdvantage credit cards that promise American Airlines promotional bonus miles. Citi checked my credit and approved me for credit cards, I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, American Airlines has closed my AAdvantage account claiming I violated their rules but not telling me what I did. Citi approved me for these credit cards and owes me the value of the promotional miles promised. Their partner, American Airlines, by confiscating my miles has made it so that neither of the companies is living up to their obligations.
Consumer complaint received 2020-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (NY)

As I talk to citi bank Clerk in XX/XX/XXXX, the Clerk confirm that I owe check plus {$6500.00} not $ XXXX.following days, I transfer {$1200.00} inXX/XX/XXXX statement show I owe $ XXXX.inXX/XX/XXXX I transfer {$200.00} Statement show I owe {$1400.00}, in XX/XX/XXXX I transfer {$2000.00} The statement show I owe {$3400.00} everything correct from that day, but in XX/XX/XXXX I transfer {$3100.00} after I make transfer suppose statement will be {$6500.00} but the statement show $ XXXX.before I made transfer I'll see how much balance, then I made transfer. So there is wrong about the online banking system, there is {$900.00} over charge from checking plus.
Consumer complaint received 2022-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

Navient firmly XXXX XXXX has been aggressively trying to collect money from myself and my wife for student loans that were XXXX through my chapter XXXX bankruptcy. I demand a refund for all loans that Navient have been illegally collecting on since the discharge of my bankruptcy and removal of information from the credit bureau for myself and my wife. I will be including the Attorny general for Wisconsin in this notice. I was told by my bankruptcy attorney that this loan was discharged due to it being a non qualified student loan. I attended XXXX XXXX XXXX XXXXXXXX and having records from them showing that Navient is not a qualifying student loan company. 

Navient has been charging me many fees and interest for years, destroying my credit making it hard for me to make a living. 

Like other I have been lied to by Navient staff saying that my loans wasn't dischargeable through bankruptcy when in fact it was discharged and Navient was notified. 

Also after receiving the news about Navient recent lawsuit filed by my attorney general I called Navient and was told that I don't qualify. My loans all have been delinquent consecutively for years. The loan is a private loan and qualifies. Again I have been deceived by Navient and staff with lies so that they can collect more money from myself and my family. I am asking that the CFPB, Attorney General look into this situation.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-11-30
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. (MD)

There is a XXXX XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX  XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

An account was placed on my credit report by Discover. It caused me a financial distress as I was attempting to secure financing on XX/XX/2024 thats when I was informed of the debt. 
XXXX  XXXX I filed my complaint with CFPB and I requested that the file be removed from report upon findings. 
XXXX XXXX the creditor response was they could not locate an account for me. 
According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Discover is violating my federal rights.

I did not receive proper notification of this debt. I did not have an opportunity to dispute the debt before it was placed on my credit report. 
Discover could not furnish a copy of the certified mail with my signature stating I received mail as requested. I want this account removed.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # 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 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never applied nor sign any papers regarding employment with this company. This showed on my inquiry of Experian on XX/XX/2018. This is no more than fraud with out my consent.
Consumer complaint received 2022-08-28
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. (OH)

The account with job and family services is XXXX XXXX XXXX and has not had a balance in over 10 years and is 6 years past the statute of limitations for reporting closed accounts. 

Can a competent human DELETE THE ACCOUNTENTRY?
Consumer complaint received 2020-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

This complaint is against Navient Student Servicer. I started at XXXX University in XX/XX/XXXX. At that time, my previous student loan had been forgiven and closed. I completed my XXXX XXXX XXXX in XXXX in XX/XX/XXXX. In XX/XX/XXXX, Navient started taking payments ( {$300.00} per month ) from my account but by XX/XX/XXXX, I requested a forbearance. The forbearance process was not explained fully but it was granted. Within a few days, another loan from Navient appeared on my computer screen for {$430.00}. When I called Navient, I was told that there were two different loans. When I attempted to explain that I only had one loan, the representative told me that I took out a personal loan. I have never taken out a personal loan with Navient. I have always used the FAFSA system for my student loans. The representative granted a deferment on both loans for 6 months. Now, Navient tells me that I am not eligible for forbearance and that I owe {$95000.00} in student loans. I informed the Navient representative that could not be correct and she informed me that each day my loan was on deferment, I was being charged. I informed her that it seems Navient has a deceptive system they are using on students and she attempted to offer the Navient Student Forgiveness Loan. The representative started to ask me if someone else used my student loan information and she also mentioned the loan from Sallie Mae when I was attending the University of XXXX which was closed. She then told me that I paid off three of the loans but I still have eight more loans. When I asked her about the private loans, she could not explain how I received that type of loan without applying for it. I understand that not paying the student loan is not good but I can not pay {$800.00} worth of student loans per month. Navient is being unreasonable but according to them, they go by the reported income on W-2 forms. Well, if that is so, I should be eligible for a decrease since my spouse passed away on XX/XX/XXXX. I mentioned that fact to her but she was so involved in trying to sell me the Navient Student Forgiveness Loan package, she failed to listen to what I was saying. The Federal Government urges education but when individuals seek student loans to assist with their education, the loans are referred to companies that treat the consumer unfairly. The Federal Government should place a cap on the amount a company can charge per month for a student loan. They should also decrease the charges the student faces after receiving a forbearance or deferment.
Consumer complaint received 2022-11-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I never consented to these inquiries.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.
Consumer complaint received 2020-02-26
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: HW Holding, Inc (CA)

I have reached out to XXXX  remove HUNTER WARFIELD from my credit report since I reached out to HUNTER WARFIELD and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with HUNTER WARFIELD then I would like this item removed from my credit profile. The name of this company is incorrect as on my equifax report it's stating that the name of the company is " XXXX XXXX XXXX XXXX '' But the name of the company is HUNTER WARFIELD. This is a clear violation of section 609 for providing inaccurate information on the credit report.

I have provided the address that corresponds with the address on file.
Consumer complaint received 2020-02-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2020-02-26
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. (SC)

I have submitted a dispute to Equifax several times and they continue to validate and misreport an account on my credit report to other companies like XXXX  XXXX XXXX. I recently learned of this when trying to apply for a home. There is a collection account under XXXX XXXX XXXX on my report and it is categorized as a rental / collection ; naming or collecting for an original creditor of XXXX at XXXX XXXX XXXX. I provided the receipt documentation from XXXX at XXXX XXXX XXXX to Equifax and XXXX XXXX XXXX which clearly shows I have no balance due to the original creditor ad of XX/XX/2013. Therefore the report of account as it is, is highly inaccurate and misleading to users of my credit report and continues to creates financial harm to me and my credit.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to XXXX and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015.