davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my card without notice last XXXX XXXX They gave me no opportunity to pay any balance due and charged off on their own {$470.00} on XX/XX/2021. They immediately started reporting this to the Credit Bureaus as a charge-off. To reiterate, I was given no opportunity to cure on a card I spent about $ XXXX a month on - paying off constantly. 

To add fuel to the fire, the {$470.00} charge off amount had turned into multiple requests from Wells Fargo asking me to pay a balance due of {$1300.00}. Evidence is attached - the numbers do not lie. Why would the number be inflated? 

I appreciate resolution on this matter.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

Westlake Financial Services has been over charging me since XXXX of XXXX have a repossession occurred due to my low income and my XXXX. My car was repos on XXXX XXXX. I paid XXXX directly to the car company.Then The repo yard release my vehicle after I had to go to the police station for a repo receipt. Since then I have been charged everyone since then for XXXX extra .They have been charging me for my car note plus XXXX .I have called them several time to remove these charges.
Consumer complaint received 2022-08-02
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2022-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MS)

Each time I use my card to make payment to XXXX  my information is used to make unauthorized purchases. Recently on XXXX XXXX I received a call from XXXX 's XXXX asking me to confirm a purchase, the agent and I agreed that it was a fraud purchase. I contacted my card company after speaking with the XXXX 's XXXX agent to advise them that the charges were not authorized, the XXXX agent cancelled the card and mailed out a replacement. The funds were left pending on my account now XXXX wants me to purchase a fax machine to fax over my fraud statement that I made to XXXX 's XXXX. Because I do not have access to a fax machine my funds will stay pending on my account, PENDING : XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-10-22
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. (RI)

I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than XXXX pulls because I didn't want any hard inquires on my credit, however I ended up with more than XXXX hard inquiries from auto financing without my consent. Also there are some credit cards applications that I do not recognize.
Consumer complaint received 2022-08-02
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. (NC)

In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX Account # XXXX
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MS)

Pursuant to 15 USC 1601, economic stabilization would be enhanced and competition amongst financial institutions would be strengthened by the informed use of credit. I am attempting to avoid the uninformed use of credit, and to protect my self, the consumer, against inaccurate and unfair credit billing and credit card practices.

Pursuant to 15 USC 1681, The banking system is dependent upon fair and accurate credit reporting. I have been discriminated against as a consumer, the natural person.

Pursuant to 12 CFR 1002.7, I applied for an extension of credit through XXXX XXXX and Synchrony Bank in good faith and was denied. XXXX XXXX and Synchrony Bank accepted my credit card ( social security # ) initially during the application process but I received no benefit for this consumer credit transaction. It is unlawful for a creditor to discriminate against any applicant with respect to any aspect of a consumer credit transaction done in good faith. I can not find where it is lawful to be denied for the reasons that were provided to me in the adverse action letter. 

Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX XXXX and Synchrony Bank determined my creditworthiness via a third party affiliate, XXXX. XXXX XXXX, which I did not give written instructions to give reports on me. Further, this consumer reporting agency has never contacted me so this constitutes identity theft ( unauthorized use of credit card ) considering the fact I, the consumer, have never spoken to XXXX. XXXX XXXX personally. 

Pursuant to 15 USC 1681b ( c ) ( 1 ) ( A ) and 15 USC 1681b ( c ) ( 1 ) ( B ) ( ii ), Whatever has been reported on my behalf to XXXX XXXX and Synchrony Bank was never authorized by me, the consumer. Furthermore, XXXX. XXXX XXXX is not compliant with 15 USC 1681b ( c ) ( 2 ) ( e ).

Pursuant to 15 USC 1611, XXXX XXXX and Synchrony Bank has willfully and knowingly furnished me false and inaccurate information in regards to this extension of consumer credit. I know I am the original creditor and it is a right GRANTED to me and shall not be denied.
Consumer complaint received 2022-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I just found out that someone used my identity to applied a XXXX XXXX  and took over my mortgage with out my knowledge and permission. In XX/XX/2003. 
Wellsfargo Home XXXX XXXX mortgage allowed the other fraud to applied a informal Loan by using my personal identity and its making me lost my identity and became Victim Of Identity Theft. The loan is {$190000.00}.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (OH)

here is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

XXXX XXXX XXXX # : XXXX Opened : XX/XX/2022 Balance : {$880.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

This complaint is regarding Citi 's dispute review process. I have submitted a cfpb complain about Citi 's handling of this case before, this is a complaint about the resolution of said case that I believe is unfair. Citibank has not followed their own dispute policy and I would like to compensated fairly. 

As a recap, the original cfpb complaint ( XXXX ) was about Citi 's extremely long review process of a dispute a made. In XX/XX/XXXX, I booked a flight using my Citi Prestige Card. That flight got cancelled due to the XXXX war. I have contacted the booking agency for a refund which did not return my calls nor answer my messages. I later disputed this charge with Citi. I filed my dispute in XXXX XXXX. On XX/XX/XXXX I got a letter from Citi requesting evidence for my case ( XXXX ). I emailed evidence on XX/XX/XXXX, which included my canceled flight and my messages with the merchant that remained unanswered. After months of waiting and multiple demands for an update my case remained unresolved. I submitted a complaint to cfpb on XX/XX/XXXX which prompted a quick response from Citi Executive Response Team on XX/XX/XXXX which closed the case an offered a {$200.00} credit which is less than 20 % of the disputed amount. 

I have once again contacted Citi for an explanation, a billing disputes representative said that Citi agreed that my evidence for services not being delivered is overwhelming and that they even attempted a chargeback for my transaction which merchant refused, however, Citi in its turn refused to provide to me merchants justification for refusing the chargeback. Citi claims that at this point theres nothing they can, merchants can refuse chargebacks and I wont be getting my funds back. The XXXX billing disputes representatives I talked to over the phone both agreed that this isn't the result they would have expected and that this sort of adjudication is unusual, normally these sort of cases are straightforwardeither merchant provides a reason for refusal or Citi issues a refund. 

I believe that it is extremely unfair for Citi to be passing this cost to the consumer just because they can't recover funds on their end. I use my Citi card with the expectation that I am protected and can rely on Citi to refund me my money if the merchant is fraudulent or acting in bad faith as it's clearly the case here. Citi representative attempted to talk me out of pursuing this claim further, suggesting I reach out to other agencies, try contacting the merchant again, reach out to XXXX, or even credit bureaus. I believe these are attempts to deflect responsibility which consumers like myself expect from them.
Consumer complaint received 2022-08-02
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. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

When opening my Chase Premier account the Bank Manager indicated the exclusive benefits on the account would remain in perpetuity, Fee cashier check, free money orders, free safety deposit etc. He indicated the account would " grandfather in '' and would not change with new account promotion. 

After XXXX  years chase will start charge me XXXX a month for the service. 


I would like to have chase abide my the committment to grandfather my account and it should not change or be switch and I should keep the same service with no additional fee and should not have to maintain a monthly balance of XXXX to avoid a monthly fee.
Consumer complaint received 2022-11-23
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: Affirm Holdings, Inc (VA)

I never initiated a loan with Affirm, but they refuse to acknowledge that this is an error or fraud. the company that actually sold the product agreed that this was in error and credited /canceled the order. Affirm, the loan company will not remove it from my credit report and continue to harass me for payment. 
i have filed a complaint with the XXXX  ( complaint # XXXX ) i have also filed a complaint with the Attorney General consumer protection ( complaint # XXXX )
Consumer complaint received 2022-08-23
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. (TX)

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 ( XXXX ) at ( XXXX XXXX XXXX XXXX, OH XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX  XXXX at ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) has been sending me collection notices in the amount of ( {$3100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 


( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX, OR XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) at ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ) has been sending me collection notices in the amount of ( {$1700.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$490.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. 

( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX ) has been sending me collection notices in the amount of ( {$720.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$210.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from Wells Fargo. 18 Years Wells Fargo already collected as much as possible & added me to collection years ago for this loan. Wells Fargo had the audacity to sell this account to a creditor that I had no clue existed, by the name of XXXX XXXX I, XXXX. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is XXXX  years ago! This account was closed over XX/XX/XXXX years ago. Its a dead account! Wells Fargo says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after XXXX  years, little the less after XXXX! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!
Consumer complaint received 2022-08-02
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. (LA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX : {$200.00} ; XXXX XXXX Balance : {$9900.00}
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (SD)

They have continually called my number but they do so with robo calls and do not leave a message. When I am home to answer the call, there is no one on the line. I do not have any outstanding debts with any company. The most recent call was  XXXX / XXXX /  XXXX   at  XXXX .
Consumer complaint received 2021-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I have weeks ago received a status of loan letter and within it states Acceleration Warning notice of intent to foreclose. There is no account showing this HELOC on my XXXX XXXX credit report SEE ATTACHED showing this so called debt. This is a violation of the Federal Laws of Reporting Debt 15 U.S. Code Section 1681. Chase and or XXXX XXXX or whomever is initiating this illegal acceleration/foreclosure attempt. Please SEE ATTACHED there is no account for this party Chase to foreclose on and also there can be No piggy backing onto the existing illegal attempt to foreclose on the primary so called mortgage loan. These are both illegal attempts to threaten this XXXX yr old, XXXX, indigent person with a limited education into profiteering at my expense which I will not be your victim. 
Please see all attached this is my response to your XX/XX/XXXX letter from Chase Mail Code XXXX P. O. Box XXXX, XXXX OH XXXX. I will not be your victim of senior abuses. There is a new law against this type of crime ; XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. An elder abuse case has many stages from the incident through investigation ( by adult protective services or law enforcement ), prosecution, and trauma recovery.
Consumer complaint received 2022-11-13
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. (OR)

I am a natural person, I am a living Human Being. I have rights under 15 USC 1681. EQUIFAX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give EQUIFAX permission to furnish these accounts. Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have one XXXX XXXX Account ending in XXXX. I opened this account in XXXX, and it has been the only account I have used since XXXX. I access my account with the Amazon XXXX. I have never picked from an account, the auto payments and every payment made outside of the autopayments have brought up my active account in XXXX XXXX until XXXX. I was unaware the closed account from XXXX or XXXX was still located as an account in Amazon to use for payment. 
The following does not sit well with me : 1. Why out of nowhere is another account being used for an XXXX and XXXX payment when years prior, the active account always popped up, and there were no issues in payment? ( 2 payments and no notice there was an issue ) 2. Why was there no notice that the payment had issues? I see the emails showing I made a payment outside of autopay. No email with a subject line indicating a payment could not be processed was sent. No text, phone call, email, letter, or internal message asking for a valid form of payment or informing me there was an issue.

3. I never received a letter telling me my account was closed.

4. I never received anything to tell me there was an issue with the first payment that suddenly drew from the closed account.

5. There is no appeal process to explain that I did not intentionally pay from a closed account. My history does not suggest that this is an issue with me. No other Synchrony Bank cards I have with you have anything similar. I autopay and submit extra payments-no issues until only Amazon and recently.
6. No phone call or text. I am surprised that the system did not generate an auto call or that a person did not call.

7. I think there was a glitch in the system with an update that brought up an old account from XXXX. But this has serious ramifications for my credit and potential security clearance and I am not given an opportunity to fix it before my account was closed for risk.