davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A 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 2021-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AZ)

I received the following notification on XX/XX/XXXX : As we previously communicated to you, we applied a temporary credit* to your account during the week of XX/XX/XXXX for {$270.00}, and {$410.00} on the week of XX/XX/XXXX to help you have access to your stimulus payment since your account had a negative balance on the day before it was deposited. On XX/XX/XXXX, we will reverse the temporary credit and deduct the amount from your account. It is important that you prepare for the reversal of this temporary credit. 

Upon notification from Wells Fargo, I made multiple calls for an explanation for these unauthorized transactions. They could not even explain the when, what or why justifying this proposed action. After 6 exhausting calls to Wells Fargo Customer Service, I learned these aforementioned credits were given without my knowledge, prior authorization or request on XX/XX/XXXX and XX/XX/XXXX. 

I was never informed of this action. Nor was I ever advised or consented to the preconditions surrounding the proposed bank remedy. And when these funds would be withdrawn from my account. 

Now, with only a few days advanced noticed, I will have {$680.00} debited from my account without prior authorization or permission from me. 

I am a XXXX veteran living on XXXX, and on a strict fixed income and can not survive if these funds are withdrawn from my account without prior approval, permission, or any memorandum of understanding or agreement previously approved for Wells Fargo Financial to access my account at their will. 

In addition, the transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and the pending withdraw scheduled to occur on XX/XX/XXXX are all unauthorized transactions executed by Wells Fargo and never consented to. 

Lastly, two unrelated transactions are scheduled to be debited from my account on the same day 5 months later? This is not an ethical banking practice. And attempt to take these unauthorized funds at this time will have dire consequences for me. Thank you for your attention.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

.Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I was harassed to pay an already paid debt I presented receipts of payment and was told lies such as the check bounced or I paid with fraudulent funds. My girlfriend was also harassed and threatened by the company until she started a payment plan, Ive written the court and the sent a letter to draw down the funds so they can be paid and when I had my girlfriend to call hunter warfield we were threatened again with further legal actions and damages to our credit. I have called them countless of times and they should have records of the way they spoke to me as if I was XXXX and didnt deserve to have this matter solved.
Consumer complaint received 2018-12-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (FL)

CFPB, I want to state upfront that this is not a duplicate. This complaint is in RESPONSE to XXXX   Servicing 's response to my previous complaint where in their 'book ' they stated that I, " ... will still be responsible for the loan until a full investigation has been completed and a final determination has been made. '' This company is trying to see me ( veteran, senior, on limited, fixed income ) on the street with nothing to my name when 1 ) This is NOT my loan. NO document has been supplied with MY SIGNATURE on it, and let me be clear in saying my ACTUAL, WET SIGNATURE on an ORIGINAL consumer agreement in its ORIGINAL FORM. 2 ) It is EXTREMELY STRANGE that XXXX  continues to HOUND me with this massive debt instead of FINDING THE ACTUAL ACCOUNT HOLDER!! Who is the person who signed for this loan???! Find THEM! Send THEM bills! 3 ) Cancellation is what is noted as an option in the mail I received in recent months, so I once again -- in addition to all else that's been stated -- request to cancel this loan! I have NOTHING to do with it!
Consumer complaint received 2018-04-28
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: CITIBANK, N.A. (CA)

This is really a general complaint about the recent decision made by XXXX and Citigroup to give a hard time to any retailers conducting lawful firearm-related business activities. 

I am a regular customer to both banks and feel powerless to be able say anything, I can just see my concerns being ignored letting them know how I feel about it. 

There's no need for them to make a political move like this, and doesn't change anything anyways, for example background checks are already required in most circumstances.

I don't think these 2 large financial institutions should be getting involved with this.

I hope this gets to the right place and helps encourage a focus on responsible financial business practise. 

Thanks,
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RC Willey (CA)

On XX/XX/2022 I was contacted by XXXX XXXX XXXX, on behalf of RC Willey for an attempt to collect a debt for a furniture credit card. I had a balance that I had not been able to stay current due to me incurring an injury while at work which caused me to go out on leave and I was not paid by my employer while out on leave. I kept RC Willey informed the entire time. On this specific date I spoke with XXXX XXXX who informed me that as long as I made the payment in full within 45 days of the collection account being sent to XXXX XXXX it would not negatively affect my credit report. On XX/XX/2022 I made a payment of {$300.00} and set up an authorization for them to process another payment on XX/XX/2022. I checked my credit report on XX/XX/2022 and RC Willey reported that the account had been closed with a balance and sent to collections, so I followed up with XXXX XXXX XXXX and spoke with a representative XXXX XXXX to inform him of the conversation between XXXX and myself he informed me that he would have his supervisor listen to the call and the supervisor would call me back but I have yet to hear anything from the company I also reached out to RC Willeys credit reporting department and spoke with a woman named XXXX and she advised me that they dont have the information from XXXX XXXX XXXX at this time to be able to report to the credit bureaus accurately which should not negatively affect my credit reporting as the account has been paid off in full. I request to have this information adjusted accurately and removed from my report.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (CO)

I do not believe that my Chase Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.
Consumer complaint received 2021-05-06
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: LEXISNEXIS (AZ)

On XX/XX/XXXX I submitted a dispute with the Consumer Financial Protection Bureau regarding LexisNexis about several inquiries and other items that were inaccurately reporting to my LexisNexis disclosure file without my knowledge and permission. After submitting the dispute to the Consumer Financial Protection Bureau, LexisNexis responded two weeks later through the Consumer Financial Protection Bureau on XX/XX/XXXX stating that they could not validate my identity. This would be incorrect and a complete lie because as of XX/XX/XXXX LexisNexis has received all validation of my identity via Post Office asking for a signature upon delivery with receipt regarding my dispute. Before submitting an online dispute with the Consumer Financial Protection Bureau, I physically mailed this same dispute on XX/XX/XXXX and on XX/XX/XXXX my dispute to LexisNexis with all documents was signed and delivered. Since this day on XX/XX/XXXX I have yet to hear a response through the mail or otherwise from LexisNexis about the dispute that was mailed to them via Post Office receipt with signature. This is a pure violation of the Fair Credit Reporting Act and I do intend to go down to court to file a lawsuit on XX/XX/XXXX to stop this from happening again. I don't care how much it cost to file a lawsuit or how long it will take, but I do know by going to court this will stop and I will be awarded financial damages for these violations that LexisNexis has committed. 

Avoiding my dispute and not responding to my dispute stops today. 
If the Consumer Financial Protection Bureau can not help me and see that LexisNexis is clearly violating my consumer rights then I have no other choice but to drag this into a court of law. 

Several violations have been committed on the part of LexisNexis. 

These violations are : not responding to the consumers dispute, re-inserting deleted information named ( XXXX XXXX ) back into my LexisNexis disclosure file with notifying me and several other inquiries that were done without my knowledge. 

As you can see on XX/XX/XXXX the item named XXXX XXXX that was disputed was removed from my LexisNexis disclosure file and on XX/XX/XXXX the following month this same item name XXXX XXXX was re-inserted back into my LexisNexis disclosure file without notifying me. The letter from LexisNexis dated on XX/XX/XXXX, clearly stated that the item was removed. 
Again no response from LexisNexis has been initiated since XX/XX/XXXX.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (VA)

I sent a cash for deletion written contract along with a money order certified/return receipt to XXXX XXXX. The contract and money order was received by XXXX XXXX on XX/XX/2019. The money order was deposited on XX/XX/2019. XXXX XXXX did not delete the tradeline or negative information from my credit reports. This was the binding agreement of the contract if the money order was cashed. 

XXXX XXXX has violated simple contract law by depositing my money order and not fulfilling the binding agreement. XXXX XXXX must now remove this tradeline from my credit reports.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

My credit card, Capital One, was frozen almost 4 months ago. The card tells me it is because of suspected fraud. Several times in the 3 years that I have had this card this has happened. I have told them many times I live in XXXX. This has cost me a lot of money. The most expensive was when a flight my family was taking was canceled at the last minute because I tried to pay for a small check in bag with the card. I had to pay almost {$600.00} dollars for my family to travel by train so that we wouldn't lose our money on hotels and tours for a week. The card refused to help clear up the matter and the charge on my card for flights we couldn't take. In the latest problem with closing my card, I have given them my SSN, Birthdate, telephone, address and more and they will not accept this. They will not tell me what the charge was only than it was in the town in XXXX where I live. Capital One tells me I must send a valid photo ID to them. The only XXXX active ID '' XXXX I have are my Official ( red ) passport and my DOD ID card. Regulations do not allow me to provide copies to private companies. I have told them this. I'm assigned to a military base in XXXX. My official address with the card is an " XXXX '' XXXX XXXX XXXX. Due to XXXX and current events, I have not been back in the XXXX for XXXX years so I don't have other active ID. I have spoken directly to the Fraud Office and Customer Service many times without success. I just want to get my rewards that I have earned with the card and then cancel it but I can't. This is why I need help
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.
Consumer complaint received 2022-03-24
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: U.S. BANCORP (RI)

I received notification that credit report changed, when I logged into my account it said I had 2 new hard inquiries one from Elan Financial and one from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from XXXX and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call XXXX and I sent them an email. They never responded. I called Elan financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D2 Management LLC (TN)

This time the message left said they were with D2 managment ( from a XXXX search theyre in SC ) Told them before I had no idea what they were talking about..left a phone number that didn't match the one they called from..By the # that showed up it was a local call but wasn't, they've called back several times but i had deleted the call log showing all the times and different # s they've called from usually starts with my area code and first 3 digits have been XXXX or similar..Saying its time sensitive and urgent I call, that they received a file on their desk but never says from where. The one time I did talk to them I told them I didnt know what they were talking about and to not call back. The return # left on voicemail starts with XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX XXXX for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX XXXX   was on my XXXX XXXX credit report. I asked Equifax and XXXX to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are XXXX. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX XXXX line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IA)

FOR AT LEAST THE LAST 3 MONTHES I HAVE NOT BEEN ABLE TO ACCESS MY ON LINE STATEMENTS. I HAVE NO IDEA HOW MUCH INTEREST I AM BEING CHARGED, BUT I DO KNOW THAT {$20.00} FROM {$100.00} 0N A 2241.?? BALANCE IS NOT REASONABLE. I TRIED ONLINE CHAT AND TELEPHONE. IALL I GOT FROM THAT WAS FRUSTRATION. I HOPE THAT HELPS ME TO GET HELP.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On Saturday, XX/XX/XXXX, I filed a complaint with Equifax to dispute an old entry still being on my credit report after the account had been paid and closed for almost eleven years. 
The entry is : XXXX XXXX, account number XXXX, which was closed, in good standing, in XXXX of XXXX ... .almost 11 years ago ... .and should have been removed in XXXX of XXXX. This was my second request to have this entry removed. 
On XX/XX/XXXX, I received a letter from Equifax, where they for the second time, REFUSED to remove the old and obsolete entry from my credit report.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

Chase is saying that they have not received my statement of dispute in which it was faxed in three times one by the branch and twice by me but they claim they have yet to receive it after telling me a provisional credit of {$12.00} XXXX would be in my account by XX/XX/XXXX no later than XX/XX/XXXX now they are saying i must fax another statement of dispute which I did this is all because XXXX owe me {$36000.00} XXXX and refused to give me my money so now chase is claiming that I never sent in statement of dispute to refund my money
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (NY)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.