davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX In received a notice that my American Express credit car interest rate is increasing to 23.99 %. I have been an American Express credit card customer since XXXX and I have never made a late payment. My XXXX  score as of today is XXXX. I am an elderly veteran of XXXX  years of age. I called American Express today and for 5 hours was never given anyone to speak to regarding this interest rater increase. I believe that this is an abuse of the elderly.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint with the CFPB in response into the false information that wells fargo put in a response for a previous complaint. Today I received a phone call from a rep telling me that she had till XXXX to get back to me. I asked her if wells fargo was going to take responsibility for wasting 18 months of my time and energy for lying and providing incorrect information to me. She said that any punishments would be in house within wells fargo. I asked about compensation due to the treatment from employees that have violated their code of ethics and got no response. How is this fair? They allow employees to treat customers so poorly and get away with it. Wouldn't this be a form of defrauding the customer? I know for a fact that I am not the only one that wells fargo has done this to. Lying to customers, providing false information to customers should all be punished and the customers that have been mistreated should be compensated for their time and trouble. How is it fair to let a company mistreat and abuse customers? Abuse does not have to be physical, but can also be mental. Wells fargo has been XXXX XXXX  me for almost 19 months now, and what? They get a slap on the wrist? I have started asking other online about their experiences with wells fargo and guess what they are not all good. Im sure that the CFPB has been receiving numerous complaint regarding their business practices and their lack of customer service. When is enough going to be enough for the CFPB to do something? When will wells fargo be punished for what they do to customers on a daily basis? I gave wells fargo the chance to make this right. They had every opportunity but they chose to lie to me, they chose to pass me around to over 40 different employees there were ALL on different pages. Misinformation from almost everyone about what was actually going on .It just reinforces the fact that wells fargo does not care about theirs customers. Wells fargo needs to compensate me for the past 18 months of XXXX that I have put up with, all of the mental abuse they put me through, all of the lies that I was told. Enough is enough
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, my transunion credit reporting was sent to my brother record and my record was not accessible anymore to me. I contacted Transunion dispute center and I was routed to XXXX call center and I handed my sensitive information such as my ssn, birth day and address. Once the agent from XXXX call center can't help with my acct, she transferred me over to XXXX call center. The XXXX call center requested all my sensitive information and told me that she will put my account to Maintenance mode, and wait for 5 days to get the status. 

On Sunday, XX/XX/XXXX, I have an alert from my credit monitoring stating that I have a new address and Public records for Bankruptcy and I have never filed any of that. So I click the dispute and I still can't access my own account with my SSN on transunion. So contacted them on Monday XX/XX/XXXX, same process, routed to XXXX and XXXX. I just found out that nobody did my account in maintenance mode. So I just given my sensitive info in some person in XXXX and XXXX. They told me there was no claim or filed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, my account is still not available and its hurting my record and my job due to credit history is a requirement for my job. 

My major concern is my information was vulnerable already. Also, why transunion screwed my records and sent it to a different social number and terminated my account? this is why data is being hacked due to their lack of data information security. This is a concern. 

Thanks you, XXXX
Consumer complaint received 2022-10-21
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. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US XXXX # XXXX, US XXXX # XXXX 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP (CA)

On XX/XX/2022, Linebarger Goggan Blair & Sampson LLP sent me a notice that I owed {$490.00} from XXXX for a red light infraction. It's been 8 years and I have not received any communication about i, nor did the DMV have a record of it. When I searched for the case number provided by the firm on the LA Superior Court website, it said it did not exist. I tried calling but they put me on hold forever instead of speaking to an agent. I searched for this place online and found numerous reports of this operation trying to scam people for nonexistent debts. Research shows that LA stopped collecting fines for this on XX/XX/XXXX, XXXX https : XXXX
Consumer complaint received 2022-06-14
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 the Fair Credit Reporting Act XXXX Accounts XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-04-10
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2022 NewRez LLC ( https : //www.newrez.com/ ) double drafted my checking account for XXXX charges of {$1200.00}. This is entirely incorrect as I submitted my monthly payment for my mortgage amount of {$1200.00} on XX/XX/2022, they in error double drafted my account for twice the amount they should have. This has already caused immediate overdraft fees, and other bank fees that are being added daily.
Consumer complaint received 2022-07-21
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-04-25
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. (NC)

I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to equivalent with these papers and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Consumer complaint received 2017-09-19
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. (WA)

In XXXX of 2017, Equifax had a security breach that has put my personal data, as well as the data of millions of Americans, at risk. In addition, prior to making the data breach known to the public, several executive leaders of the aforementioned company sold millions of dollars in company shares, which is the textbook definition of insider trading.
Consumer complaint received 2022-10-20
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: HCFS Healthcare Financial Services of TeamHealth (FL)

{$1700.00} XX/XX/2021 {$690.00}. XXXX accordance with the fair credit reporting act this creditor has violated my rights under 15 use 1681section 6 of 2 states I have the right to privacy15 use 1681section 6 o 4 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666ba 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 2020-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Calls me up to 2 times a day.. Monday-Friday, for the last month, number comes up as scam, sometimes leaves a message, but otherwise keeps calling ... .to many dates to type how many times they have been calling me the last month..
Consumer complaint received 2023-07-20
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 realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 XXXX
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX Related to Acct ending in XXXX Claim or Reference # XXXX Consumer Financial Protection Bureau On XX/XX/XXXX I noticed some fraudulent transactions happening with my debit card and i called Chase immediately to report this issue, they immediately cancelled my card and issued me a new card. I was told that they will issue a temporary credit while they do investigations which they did and later came back in the end of XXXX and denied XXXX of the transactions because they insisted that the merchants involved provided accurate informations that the transactions was valid. I called Chase XXXX department and requested the merchants provided proof of valid transaction and a week later i received the documents from the bank and none of the transactions in question had my accurate billing information, I called back the bank and spoke to a fraud dept rep who went over the validity of this transactions XXXX after the other and upon establish that none of the transactions was valid due the billing/shipping informations provided, he told me that he will initiate an appeal for those transactions to be looked at, he told me it could take a month but they will get back to me. 
By XXXX of XXXX when I have not heard anything about the appeal I called the Customer service line and I was instructed to go into a branch and speak to a XXXX which I told the rep I will not risk exposure to XXXX when XXXX is still telling the public to keep observing the pandemic protocols. 
Today XX/XX/XXXX I called the fraud department again to restart this issue, at first she told me that all the transaction was permanently credited to my account because they determined that the merchants rebuttal to my claim was no sufficient enough, upon my disputing that I have received my money and iterating that she looks further, she realize that her initial judgement was not the case so she went ahead and created a new claim for the transactions in question. The Reference # for the current claim is XXXX.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have been a customer with Capital One for over 13 years. Recently I applied for a consolidation loan to get my interest down so I was able to pay off this card IN FULL. I had been in contact with them around the week of XX/XX/2018, letting them know that I would be paying the full amount of {$4500.00} at the beginning of XXXX and if it was possible to waive the {$25.00} late fee. The woman said that " it wasn't an option. '' However she did inform me that after the payment was received they would review the fee again. 
I paid them in full on XX/XX/XXXX. I called and again on XX/XX/XXXX and was told, " there's nothing i can do. '' Not only was I charged a late fee, but the interest was also applied at {$58.00}. 
I called again the same day asking to speak with someone else. The gentleman was nice but he couldn't do anything either, other than file my complaint. 
Now I have received a new statement for XXXX. When I only initially owed {$25.00} ( the late fee I was contesting ) my new statement has me owing a whopping {$61.00}. I was charged {$36.00} for {$25.00}?!?!?!?!?! 
I plan on calling and complaining again today. However, I doubt I'll see any action, since I never even received a confirmation email from Capital One from my previous complaint.
Consumer complaint received 2022-09-15
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: National Collection Systems, Inc. (CA)

On XX/XX/2022, XXXX did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, XXXX rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- XXXX mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of XXXX XXXX  and federal law. That the debt could have been generated, in the firstplace, places XXXXXXXX XXXX XXXX XXXX at-fault for the debt. XXXX XXXX is negligent in the performance of its duties to its masters, the People of the State XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-07-21
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. (DE)

The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and XXXX is reporting closed and Transunion is reporting open.

4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal.

They also violated my rights under 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 2020-12-15
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. (CT)

XX/XX/2019 someone applied for a credit card in my name which I found out from an alert from XXXX XXXX. I reported it to local police who filled out incident report. I faxed a copy of it to credit bureau twice-they told me fax was the only method they could process. Months went by and I heard nothing. I contacted them many times and finally someone told me after first submission that fax was illegible. I refaxed it and months went by again with no contact from Experian. I called again and they said they never received second fax. It remains on my record as a hard inquiry and its almost a year and a half later. I put alerts on my accounts with all three credit bureaus and social security. Can you please assist?