davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be fradulent due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NY)

In the year 2020, I was in Debt with American Express, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I owed around {$3000.00} to American Express, around {$5000.00} to XXXX, & {$1900.00} to XXXX XXXX XXXX XXXX XXXX. I have payed off all my American express cards but they closed my accounts, XXXX is paid off in full and the account is still open but their evaluating my account to see if they can reinstate my credit. XXXX  account is closed but the balance is fully paid off. All accounts are paid in full.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MS)

XXXX XXXX XXXX sent a letter on XX/XX/XXXX which I responded to and notified them that the debt is invalid. They did not respond but instead sent another collection letter with less writing on it dated XX/XX/XXXX. This company was notified that this debt is invalid yet they continued to contact me.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Collections contacted me multiple times for weeks. I answered the following # ( XXXX ) XXXX XX/XX/2021 to find out they were asking to collect debt for equipment I allegedly owe with XXXX  upon asking for proof/invoice/evidence they could not provide me with any and informed me an email would be sent out but never received. I reached out directly to XXXX  billing and was informed that there is no debt on any of my past/current accounts and was informed that unless they could provide me with proof to dispute it. I contacted Southwest credit collections with that information and began to have go in circles with them they said they could not send out info but that I did owe and were making false dates
Consumer complaint received 2016-06-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX took over my charge off a Wells Fargo Credit and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can XXXX XXXX charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-07-07
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: DISCOVER BANK (NY)

I have been dealing with Discover Card regarding a disputed transaction with a vendor over a charge incurred for an event which was cancelled. I used my Discover Card onXX/XX/XXXX to purchase 3 tickets from XXXX XXXX XXXX to a live sports event which was to take place on XX/XX/XXXX. That event which was for the XXXX XXXX XXXX  was officially cancelled due to Covid-19 and I received an email from XXXX XXXX XXXX on XX/XX/XXXX giving instructions on receiving a refund. The email stated that a refund would be issued to the original payment source in a timeframe of 2-4 weeks. I emailed the vendor after 4 weeks on XX/XX/XXXX and received a reply from the vendor that a refund would be processed within 2-4 weeks. At that point I decided to contact Discover Card to formally dispute the transaction. I was issued a temporary credit on XX/XX/XXXX by Discover Card pending their investigation. I provided several supporting documents which were emails from XXXX XXXX to me detailing their cancellation policy and refund policy. Discover ultimately sent a final resolution email to me on XX/XX/XXXX which stated that they had decided on behalf of the Vendor. I spoke with Discover on XX/XX/XXXX in their billing department regarding the dispute. The representative went through the materials provided by XXXX XXXX XXXX and stated that the vendor claimed that the event was postponed and not cancelled. This was an outright lie and the cancellation was clearly stated in XXXX 's email to me which is what I provided to Discover in the documentation that I provided.
Consumer complaint received 2021-02-24
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. (CA)

A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

I entered into an agreement several months ago with XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX for monthly payments of XXXX, on automatic payments using my Debt Card with Wells Fargo Bank here in XXXX CA. Four months ago in XXXX XXXX I requested that they stop withdrawing money from my account and they refused. They stated if I stop it will result in an immediate law suit and that they will continue to withdraw the funds. I visited Wells Fargo located at XXXX XXXX XXXX XXXX CA. When I requested that stop the automatic payment the person that helped me stated. They could not stop the payment because I agreed to it and I would have to work it out with XXXX. After several calls to XXXX and there continual refusal to stop the payment. I revisited Wells Fargo again in XXXX XXXX and they finally agreed to issue me a new debt card, but refused to allow me to dispute any of the charges. They quoted some policy that they claim superseded my right to dispute any electronic disputes. At this time XXXX against my wishes and with the permission of Wells Fargo withdraw XXXX in XXXX, XXXX, XXXX and XXXX XXXX. On XXXX XXXX, XXXX XXXX withdraw XXXX from my account using my new debt card. When I visited Wells Fargo ( always the same location ), they called XXXX and we learned that XXXX contact Visa directly told them they misplace my Debt Card information and got my new debt card. Wells Fargo allowed me to dispute only this one charge as a " courtesy ''. I believe that Wells Fargo has directly violated my right to dispute an EFT Charge under Regulation E and Z and possible other Law violations. I attempted to contact the Regional Manager XXXX XXXX for Wells Fargo at ( XXXX ) XXXX on two occasions and he has refused to take my calls or return my calls. XXXX I believe is in the same violations as Wells Fargo by refusing to stop an EFT when requested, using intimidation tactics to force the continuation of payments against my will and committed criminal fraud when they contacted XXXX. I also believe XXXX is guilty of failing to properly protecting my bank information when they released my debt information to XXXX. I am asking that you do the following. Fully investigate Wells Fargo and to the reason they refused there customer the due right to dispute a charge and order Wells Fargo to reimburse my account all funds withdrawn by XXXX from XXXX XXXX to present including any interest and penalty and to fully investigate XXXX XXXX as to the reason why he refused to address such an issue. To levy the most sever penalty allowed by law against Wells Fargo who is XXXX of the primary lobbyist for the passage of Regulation E. To investigate XXXX on there to their policy and procedure on EFT transaction to levy the most severe penalty allowed by law and to criminally charge the employee of XXXX with " Bank Fraud '' and to fully investigate and audit the organization to ensure they are compliant with any and all laws.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect MY ONLY NAME AND CORRECT ADDRESS IS BELOW : DELETE ALL OTHER NAMES AND ADDRESSES SO I WON'T BE A VICTIM OF IDENTITY THIEF
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all i ask them to remove this because this is not my debt. I was not aware of this being on credit
Consumer complaint received 2020-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I've been trying to refinance my 1st mortgage for a few months now. I was approved on XX/XX/XXXX. SLS ( Specialized Loan Servicing ) services my 2nd mortgage so in order to refinance my 1st loan, they need to subordinate. When we requested the subordination we were told that the investor doesn't allow for subordination and that we would be able to find that wording in our original note. Well, we looked and it doesn't say that so it's now months later and we still do not have any resolution. We are told that someone will get back to us but no one ever does.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. XXXX XXXX XXXX colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost XXXX times the worth. I attached the Settlement offer that XXXX company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail XXXX weeks after having the car. I did not have a XXXX paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that XXXX XXXX XXXX allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get XXXX to accurately reflect that my account was correct, From XX/XX/2023 to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for XXXX XXXX  blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want XXXX to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against XXXX for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/2023. I have been harmed financially, personally, and mentally.
Consumer complaint received 2024-01-19
Product: Credit reporting 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 was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXXl account number XXXX XXXX XXXX accounts XXXX and XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX please delete these accounts immediately
Consumer complaint received 2021-11-29
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: HYUNDAI CAPITAL AMERICA (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This company is currently showing XXXX days late ( XXXX XXXX XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXXXXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2021-11-29
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, the Credit Bureau has dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Consumer complaint received 2017-08-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Credit & Collection Corporation (TX)

This complaint is not about XXXX XXXX XXXX. A gentleman keeps calling me stating he is with Global. He has attempted to set up payments for a debt that global is trying to collect on. I have not received any initial communication letters from Global and when I asked for a address to send a certified letter he got frustrated and told me he did n't have an address. He has n't given me a full name of the collections agency so I ca n't do my own research. I asked for validation of the debt and he told me no, that he would email me the initial communication letter. Today, while at an appointment I had to stop his call 3 times. The first time I called him back was because I had a threatening message on my voicemail about getting served at work. Clearly a scare tactic as I have no proof of the debt. This message was also left on my mother and my husbands phone. I attached a screen shot of the voice mail.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I cancelled my hazard insurance with XXXX effective XX/XX/XXXX and started a policy with XXXX effective XX/XX/XXXX believing it would be a smooth transition. 

I received a letter on XX/XX/XXXX from Mr. Cooper informing me they had not received documentation on the new policy. The same day I uploaded the documentation from XXXX. 

After multiple phone calls I am still being threatened with paying for 3rd party coverage on XX/XX/XXXX and XX/XX/XXXX even after they have received and processed my documentation. They do not dispute that I had coverage on XX/XX/XXXX and for part of the day on XX/XX/XXXX. 

In short, they are continously threatening me in writing with adding coverage for XX/XX/XXXX on my home despite acknowledging valid and acceptable coverage was on the house.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX