davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND XXXX AND EXPERIAN has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX  ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE DEPRESSED AND CANT MOVE ON WITH MY LIFE
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IL)

I recently became aware that Discover was charging me for a Payment Protection Program I never enrolled in. After inquiring with them, I was informed they had been charging me since 2010 for over {$1500.00}. Since I never enrolled in the program I requested a full refund but was only given a 6 month refund. After doing some research I found many customers were given full refunds but after asking multiple parties and supervisors to meet these demands I was still denied. They told me someone may call me back in 3 days or I could write a letter to their general mailbox. Please help!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2019-06-05
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: EQUIFAX, INC. (WA)

I bought a car on the XX/XX/XXXX from a dealer. The dealer sent off requesting credit from multiple creditors. All of the creditors received a response of a " XXXX '' that is XXXX credit score or it read N/A. I was forced to buy a car as my only transportation broke down. I am disabled and need transportation to doctors. I am paying 28 percent interest and should be paying 7. The company is Equifax and I have contacted them by phone three times and they ask questions that I would only know if I had a credit report, the one they refuse to give me. The latest attempt was today XX/XX/2019 and same results. This has and will cause me financial hardship. This company is holding my life XXXX and I want to file charges if I can. I have read a lot of complaints about this company on the internet and can not believe I am the first to complain. Thank you
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In  XXXX . 2017, I made a payment towards my Wells Fargo Bank Credit Card of {$320.00}. After that payment, I did not receive any paperwork from Wells Fargo that anything was wrong with my Wells Fargo Credit Card. When I went to make my   XXXX   payment on-line, it said my account had been closed. What is more confusing is that in  XXXX , I received a new credit card for this account. When I called to ask what happened, I did not receive any information. All they would tell me is that it was closed. I demanded to know why. Not until   XXXX   did someone tell me that in  XXXX . when I made the {$320.00} payment, According to Wells Fargo Bank, N.A they claimed that I should have made a {$370.00} payment. Never did I receive paperwork about this or was notified that I did not pay the full amount in  XXXX . When I was told in  XXXX  about why they closed my account, I was then informed that my account would be charged off. My question to them was : " Why was I receiving a new credit card after this account was closed? '' as it did not make any sense to me. Wells Fargo has been sued by the CFPB just last month as it appears that over 68,000 consumers were defrauded in this very same manner by closing my account and then destroying my credit score, and opening another another account, without my permission. ( at a much higher interest rate and including unfavorable terms to me, the consumer. ) They are unwilling to admit that they are complacent in this credit card Fraud scheme, all of which is in violation of the federal law refered to as the Fair Debt Collection and Practices Act.
Consumer complaint received 2021-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2020 CapitalOne ran a hard inquiry on my credit report. I called CaptialOne the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on CaptialOne 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to CaptialOne and the three credit bureaus ; XXXX, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, XXXX and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.
Consumer complaint received 2019-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I am pursuing the public service loan forgiveness program for my school loans through XXXX XXXX and they have not counted years of payments. I continue to call to verify the payment recount but they can not provide any update or estimate. In order to complete the program they must count all the appropriate payments made to verify the number of remaining payments. 

I was informed there are terms when more information is needed to count payments and it will be in review again. 

XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2021-07-16
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. (TN)

I have XXXX inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAB, INC. (TX)

My office was contacted by XXXX XXXX of Rab Inc. ( XXXX ) in regards to a debt that was not associated in any way with me or my company. Mr XXXX continued to harass my office with threats of liens on my property until somehow finding my personal cell number at which time Mr XXXX began to harass me through text and demand I pay a debt of one of what he claimed was my tenant in one of my buildings. 

Mr XXXX continued to threaten to lien my properties if I did not pay the debt of which I had no knowledge, association or involvement.

My attorney contacted Mr XXXX and told him to stop contacting me. I also emailed mr XXXX a cease and desist letter to cut off contact to which Mr XXXX replied " I am not a consumer debt collector sir! 
I hold no obligation to the FDCPA '' Although XXXX  shows Mr XXXX as a debt collector he refused to abide by the FDCPA and denied it in writing. In addition Mr XXXX continued to threaten my property with fraudulant liens and would not stop contact. 

XXXX and mr XXXX are acting as third party collectors for a debt. The debt is in no way associated with myself or my company. The original debtor has agreed that they do not know why RAB is attempting to fraudulently extort me by using liens on my properties as threats.
Consumer complaint received 2016-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

They call My number and Automated machine service uses the following recording and asks for XXXX. if this is not XXXX please press 2. 
Once pressed 2 the menu says " To wait until XXXX gets to the phone please press 1. If this is not XXXX 's phone number and you wise to remove the number from the list please press 2 '' I press 2 Since I am not XXXX and I have this number already for a year. machine says " To be removed from the list you must hold the line to speak to a customer representative ''. SO I hold. and Hold and hold for over 30 minutes and A customer representative never gets to the phone. 
This has been happening for quite some time over and over again and its annoying. I am a business man and I need my phone for my business purposes.
Consumer complaint received 2017-06-08
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. (FL)

I noticed that a debt for  XXXX  was being reported on my credit report. I disputed with   XXXX   and Transunion as I had no knowledge of this debt and it appeared to an unverified debt.  XXXX  realized that debt was not verified and removed. However Transunion continues to report despite my various request of an reinvestigation demanding that they provide me proof of physical verification. Not only have they not provided me physical verification but they have failed to notify me of the results of the collection.
Consumer complaint received 2020-07-21
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: JPMORGAN CHASE & CO. (SC)

i sent in some paperwork the other week to clear up some mis information with JPMCB and it seems there has yet to be action taken. i need the misinformation removed from my report for all fairness. they are requesting absurd amounts of money that i am not liable for.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I became unemployed and applied for unemployment benefits. On XX/XX/XXXX I receive an email from unemployment telling me that I had funds on the card already. I never received the card, so I was surprised that funds were put in it. I waited a few days and when I didn't get the card, I called the bank. It's Bank of America. She told me the card " had left on XX/XX/XXXX '' and that I would receive it, first she said XX/XX/XXXX, then corrected herself to XX/XX/XXXX, when I answered surprised at the delay. She then proceeded to tell me that for a {$10.00} fee, she could expedite it. 

First of all, how do you " expedite '' something that is allegedly already in the mail? Second, why were funds placed on the card before I even received it? Does the bank retain the card purposely so they can charge desperate unemployed people {$10.00}? I didn't need the money urgently but was inquiring as to the status of the card, but some people do. As a matter of fact, I got the card the following day, XX/XX/XXXX, so had I been desperate enough to pay the {$10.00}, it would have been in vain. 

Some people can not wait, and will pay {$10.00}. I find it abusive business practice to prey on unemployed people when it's THEIR card and THEIR money, and they need it to survive. If unemployment had already put funds in it, that means the bank delayed it purposely to charge this fee, and also knew I would get it anyway soon, but tried to charge me for this. Plus, what kind of mail takes 10 days to receive? Again, the clue is that unemployment thought I had the card, which is why they put funds in it. 

Please investigate this predatory business practice on a vulnerable population. They shouldn't be doing this, and I hope they don't have access to the funds and they're not racking up interests on unemployed people 's money because that would be a whole different and larger scam. 

I got my job back. I want to report this for others who fall victim of this practice. 

Thank you.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

To Whom It May Concern : I am currently using Navient to service my student loans. I have made on-time payments each month, and have never been late with my payments. However, each time I make payments online, my online Navient Account claims that all my current and future loans are " Past Due. '' To clarify, I recently paid {$250.00} for the month of XXXX. My next payment is due XX/XX/XXXX, but my Navient Account states that the upcoming amount is also past due. After, I made this payment, I received a payment confirmation. Today, I received another email saying that they have no receipt of my recent payment and that I will need to pay this amount on top of my XX/XX/XXXX amount. My bank account has already cleared this past amount. A few months ago, I reached out to Navient via their phone customer service ans was told this problem would be corrected. However, no such correction has yet to occur. I am frustrated with Navient 's sluggish response because I do n't want to overpay. I desire honest feedback and the automated emails that continue to be spent to me despite my payments are frustrating and unacceptable.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. Should you require any further information or clarification, please do not hesitate to contact me. I am asking for your assisstance to remove these fraud items in my credit file : 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
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I paid two medical bills off, that I need to be deleted from my credit file. Experian removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM EXPERIAN ) AND XXXX ARE A BOTH A XXXX BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XXXX XXXX   {$0.00} XXXX MEDICAL DEBT RELIEF ACT XXXX {$0.00} XXXXMEDICAL DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of 2018, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of 2019, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the 2018 amendment noted above.
Consumer complaint received 2017-08-01
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: AMERICAN EXPRESS COMPANY (NY)

Amex is still showing active the account is closed have n't used it since 2014/ was joint account w x-husband pls take this off was showing XXXX on XXXX XXXX for credit limit {$14000.00}. Each
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CT)

Dear CFPB : My client is selling his home in a short sale. The bank accepted an offer of {$130000.00} they wanted a net proceeds to them at {$120000.00} and they wanted an additional contribution from the seller of {$15000.00} which he could not pay. The buyer was willing to pay the sums under the contract plus the {$15000.00}. The bank refuses to accept the offer even though they will be made hold. The seller is going to have to pay moving expenses to relocate and pay rents and other bills. He does n't have the means to pay the {$15000.00}.