davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX  , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IN)

We were declined for a refinance on a mortgage. We received a loan package as if we were approved but didnt know we were declined until we tried to submit our documents. Our loan officer never reached out to us during this process and we feel there were discriminatory practices during our application process. We dispute the reason for the decline including foreclosure and judgements. We have none because we had a XXXX  XXXX bankruptcy that was discharged in XXXX and also our mortgage payments were made to Wells Fargo at this time. We feel that we were declined due to redlining and no one from Wells Fargo assisted us during the application process. We would like to have someone explain to us how a XXXX couple with a high six figure income can rejected due to reasons that appear to be inaccurate and discriminatory
Consumer complaint received 2023-03-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX  : XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX : ( acct # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-11
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: ENCORE CAPITAL GROUP INC. (TX)

Fraud charges to XXXX >10 years ago Balance of {$6000.00} Company filed for debt dispute with Midland Credit Management Case Number XXXX
Consumer complaint received 2022-03-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

XX/XX/2022, Equifax I have obtained my credit report from XXXX. Equifax is not reporting the collection companies name. The original creditors name is not spelled out. The name is in initials. How am I suppose to know who these companies are if there names are not spelled out correctly? I attached a screen shot from XXXX XXXX XXXX XXXX XXXX XXXX did not notify me at my current or previous address about this debt. Which is a violation of the FCRA and FDCPA 15 U.S code 1692g. A debt collector must notify a consumer at the ADDRESS of the debt. I was not notified at my present or previous address. Please check previous addresses that XXXX XXXX XXXX XXXX  has listed. Thank you for you help Equifax.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX  was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.
Consumer complaint received 2018-10-31
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: JPMORGAN CHASE & CO. (TX)

Hi, On or around XX/XX/2018, I purchased a roundtrip airline ticket from XXXX XXXX to XXXX, XXXX, for {$390.00} The first half of the trip was fine. 

During the second half of the trip, I showed up to the XXXX airport an hour and a half ahead of the flight. I arrived at the single XXXX desk 1 hour and 15 minutes before the flight, to get a printout of the boarding pass. The desk was unattended. The employee had already left. At 1 hour before the flight, the desk was reassigned to another airline, and the airport refused to let me speak with a XXXX XXXX employee. 

I filed a complaint, and XXXX admitted to the wrongdoing and the negligence and offered {$50.00} to fix it. I said " NO, the flight is worth {$200.00} '', signed nothing, and left. 

I fixed the situation by paying {$800.00} for the replacement flight. 

Arriving back in the states, I filed a complaint with Chase bank. They refused to help, saying that since XXXX XXXX fulfilled half the ticket, they didn't have to refund the money. Since they have arbitration authority, they don't have to do anything, they said.

This is wrong. The contract I have with Chase bank specifically states protection against internet purchases and online fraud. Fraud is negligence, in this case. This was an online internet purchase, and Chase refused to not charge me on behalf of the merchant.

I've since closed all my accounts with Chase, and would like to move forward with further litigation against both parties. The CFPB was created for exactly this kind of abuse. Please do what you do, and punish the parties involved. I can provide whatever evidence is required. The airport also investigated, and found the airline to be negligent. 

I spoke with the airport officials at XXXX XXXX XXXX in XXXX, and they stated that there is a pattern of misbehavior from XXXX XXXX, and there is a constant stream of similar complaints.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (WI)

Someone who knew my personal information obtained a credit card through Baclays Bank and added me as an authorized user without my knowledge or consent. The primary card user is using the card and not paying the bill and has refused to remove me as an authorized user to damage my credit.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

On XX/XX/XXXX I got an email from XXXX XXXX alerting me that a collection had been placed on my account for XXXX XXXX XXXX  on behalf of XXXX XXXX in the amount of {$120.00}. I never knew any thing about this balance spoke to XXXX XXXX XXXX on why they didn't call me they stated that they don't know why, but they mailed out a letter but I have moved from that address since then. I went on and paid the balance in full on XX/XX/XXXX and ask for them to give me a paid in full letter and to have it removed from my credit report, they stated that they would but it is still on there and they didn't provide me with any documentation. I'm asking that this be removed from my report. I'm in the middle of closing on a home, and have no collection on my report besides this one, I'm asking that this be removed from all agency as soon as possible thanks XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting 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)

Re : Dispute Regarding XXXX - Violation of Privacy Rights and FCRA Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute against XXXX for violations of privacy rights, specifically concerning the protection of nonpublic personal information, as outlined in 15 U.S. Code 6801XXXX has failed to adhere to the privacy obligations policy set forth by XXXX. Also Disputing The Procedures used to protect my information. 
I recently engaged with XXXX as a customer, and I am concerned about the mishandling of my nonpublic personal information. XXXX has not provided any opt-out disclosure, nor have they offered reasonable means to protect my private information, thereby infringing upon my privacy rights. I have observed a lack of transparency and adherence to the disclosure obligations specified in 15 U.S. Code 6802. XXXX has not provided clear and comprehensive disclosures regarding the use and sharing of my personal information, violating the explicit obligations set forth in the statute. 
Additionally, XXXX 's failure to furnish any opt-out disclosure or provide reasonable means to safeguard my private information raises significant concerns about their compliance with the privacy obligations policy and the overall protection of consumer information. 

Furthermore, I assert that XXXX 's actions are in violation of the Fair Credit Reporting Act ( FCRA ), and I request a thorough investigation into the matter. The lack of compliance with FCRA provisions raises serious concerns about how my consumer information is being handled by XXXX. 
Exhibits : ( XXXX XXXX. : XXXX, XXXX XXXX. : XXXX, XXXX XXXX. : XXXX ) XXXX of relevant communications with XXXX. 
Any written agreements or disclosures provided by XXXX. 
Documentation proving the absence of opt-out disclosure or protection measures. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate actions to ensure the protection of consumer privacy rights By Deletion of the Trade Line from the Credit Files Listed XXXX Experian, XXXX XXXX, & XXXX ). I appreciate your attention to this serious issue. I will explore legal Actions They have the Tradeline Furnished with Experian, XXXX XXXX and XXXX I Direct the Consumer financial protection bureau to Remove the Tradeline Third and Final Notice
Consumer complaint received 2022-02-18
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: AMERICAN EXPRESS COMPANY (LA)

My XXXX ran up charges without my knowledge after we separated. She changed the address on the account and other information so that I wouldnt receive statements. So I had no idea that this card was maxed out and not being paid until it was reported on my credit several months later. 
I filed an ID theft report with the XXXX and submitted it to American Express. I received a letter in the mail stating they would eliminate the fraudulent debt, but it was never removed. 

I dont feel it is fair that I am losing an account that I have held for a number of years with a perfect payment history and have had my credit score completely tanked due to the actions of someone else without my knowledge.
Consumer complaint received 2018-10-30
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. (MS)

I have disputed the collection accounts with Experian for several attempts, to no avail XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MA)

i signed up for a walmart visa. despite my average credit line being about {$20000.00}. they approved me for {$500.00} or some insanely low amount that should have been a denial,. I immediatly contacted the XXXX number to reject the offer of credit. I was never even sent a card. however the bank insists on reporting an account to my credit report for the 5 min it was open from when I was approved to my calling to tell them to shove it. i never used this account. i was never issued a card. i never recieved a card. this should not be reflected on my credit report affecting my score as a new account. I have contacted many times but i think reps are in XXXX and just follow a script and this aint on the script. 

please remove the accounts from my reports.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Bureaus, Inc. (VA)

XXXX Credit Bureau consistently reports the collection as an OPEN ACCOUNT, which is not compliant with the Fair Credit Reporting Act ( FCRA ). It is deemed as inaccurate reporting and needs to be removed from my credit report immediately. The collection has appeared as an OPEN ACCOUNT since XX/XX/XXXX. The last reporting activity on the account is XX/XX/XXXX ; however, XXXX keeps re-aging the credit history when disputed. Re-aging is a severe violation of the FCRA. It makes the account in question look more recent and causes severe damage to my credit score. 

XXXX is reporting the account as an active retail account. Please see attached documents.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

My car loan with lobel fincial was reported as 60 days past due when it was with a claim on gap insurance and was going to be paid in full all i had to do was pay the deductible befor my due date on the XXXX and i paid the XXXX for the deductible on the XXXX i was still reported as 60 days late and one my  accout was paid in full was reported as closed not paid infull
Consumer complaint received 2022-07-26
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (OH)

I attempted to place an order with Klarna and was advised that my purchase could not be processed. I called Klarna and advised that there was a purchase that was not paid for. I had not made purchases from them in several years and both purchases were paid in full. I was advised that a purchase was made by an unknown email address with my information. I advised that the purchase was fraudulent. I verified my information and was assured my file would be corrected. I have made numerous attempts to get this resolved but am unsuccessful.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have not been able to work through a huge issue I have with paying a credit card that accumulated to almost {$9000.00} with CAPITAL ONE while a college XXXX. Below is an email I sent to the President of CAPITAL ONE last Friday and have not received any answer. I need help or at least communication so I can work through my problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX XXXX XXXX, I have recently XXXX from college and have not secured a full time job yet. I have been working part-time for years while going to college. I am XXXX XXXX XXXX. 

I have a Capital One Credit card that started out with a lower limit and then increased to {$9000.00}. My annual income is approximately {$20000.00}. At one time during college, I was working full time and earning approximately {$31000.00}. 

I called Capital One customer service two weeks ago to ask if I could get a lower interest rate ( currently around 25 % ). Each month I pay on this card, {$200.00} goes toward interest and {$100.00} toward the balance. I can not get ahead and simply need help. They told me it was not an option. I explained with college loans and other debts, I owe approximately {$6500.00} in total debts and need to work with Capital One on paying off this credit card. Again, the customer service representative said they had nothing they could do to assist me. I then had my mother speak to them since she is helping me pay the monthly payments. She needed to leave but took her cell phone and continued talking to your company representative. She asked that the card be cancelled and they told her that it could not be cancelled. They said I needed to be on the phone again, although I had given her the authority to speak on my behalf. 

I thought about filing bankruptcy but do not want to list that on applications for employment. I also want to pay off this credit card but simply can't. 

I really need your help. I am a hard working college XXXX. I have paid my debts up until now but this Capital One Card has gotten out of control. Can we get the card cancelled? Can I get the growing interest stopped or lowered? 

It is not possible that I pay off this Capital One Credit Card without help from Capital One in stopping the huge interest charges. 

Can you please help me? 

Respectfully,
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On the date of Monday XX/XX/2022 I contacted Experian to delete an inaccurate or incorrect address from my consumer report. 

The address was XXXX XXXX XXXX XXXX XXXX which I looked this address up and this does not exist. 

I expressed this to the Experian representative she told me it was being reported by a creditor and in order for Experian to delete it I had to talk to the creditor to change the address with them then experian could delete the address XXXX XXXX XXXX XXXX XXXX 

I told her this address would take you no where because I typed it in and nothing comes up. From there she stated that there were some errors on my account and also said she couldnt tell me exactly what the errors were due to company policies. 

I then reiterated to her that we probably see the same issue which is the address stated previously in this form. She then told me it should be deleted on the Friday of XX/XX/2022 and she gave me the case number of XXXX. 

I was also was told to call back and told to give the new representative the case number to check on the status of the situation. When speaking to the new representative she told me it could not be deleted due to it being tied to an open account even though the address does not exist. 

Im confused as to how theyre knowingly allowing a debt collector ( XXXX XXXX  ) to report inaccurate or incorrect information to my consumer report. Furthermore this debt collector reporting this incorrect or inaccurate information to my consumer report is only being reported to experian. Im also confused to how this debt collector ( XXXX XXXX  ) is only reporting to Experian credit reporting agency this incorrect or inaccurate debt collection account.