davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I called XXXX stating my card was stolen. I have called almost every month or so since then. I requested a statement of the charges to ensure I shut it off in time. I never received the statement. I have called multiple times in the last three years and did not receive the statement. This year feburary XXXX I finally received the statement. They charged me fees on top of fees, refused to allow me to dispute in a timely manner and now show the account 2x on my credit report and show it charged off after i disputed the issues with Experian and XXXX. I have only one account and still have not had help in the matter from the company. They have stated that I should be able to dispute the charges but then never call back to review. They have refused to send me documentation showing they were going to put account into charge off status and never called about the statements I was not receiving. They finally sent a statement for XX/XX/XXXX after I disputed a 3rd time and it still did not show the charges just late fees. I have been on the phone for hours with them, constantly have kept my contact informaiton up to date and they are negatively affecting my credit score and refuse to help. I have tried disputing the duplicate account and their response is it is correct. I had one account with them period.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IL)

COMMENITY BANK AND VICTORIAS SECRET ARE THE WORST. THEY SOLD MY DEBT TO XXXX XXXX XXXX AND WHEN I CALLED XXXX TO PAY IN FULL FOR DELETION, THEY DID NOTHING! XXXX DELETED THEIR NAME FROM THE COLLECTION INSTEAD OF DELETED THE ACCOUNT IN FULL. AS PROMISED, LIKE I HAVE IN WRITING FROM THEM. THE ENTIRE COLLECTION FROM COMMENITY BANK WAS SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. COMPLETELY ERASED. INSTEAD, XXXX TOOK MY MONEY AND GAVE THE ACCOUNT BACK TO VICTORIAS SECRET/COMMENITY BANK. I HAVE BEEN TRYING TO FIGHT THIS FOR 2 YEARS NOW!!!!! THIS IS RIDICULOUS!! XXXX SAYS IT IS OUT OF THEIR HANDS NOW AND COMMENITY BANK/VICTORIAS SECRET SAYS THEY CANT DO ANYTHING AND THAT THEY DONT HAVE ANYONE I CAN TALK TO ABOUT IT! THIS WHOLE THING HAS BEEN A NIGHTMARE!!!!!!!!!!!! I HAVE CONTACTED XXXX, VICTORIAS SECRET CUSTOMER SERVICE, COMMENITY BANK, AND EVEN DISPUTED THIS XXXX   XXXX  ACCOUNT FOR 2 YEARS AND STILL ONGOING!!!! THEY REFUSE TO DELETE THIS COLLECTION EVEN THOUGH I HAVE A LETTER DIRECTLY FROM THE DEBT COLLECTOR STATING IT WOULD BE A SETTLED PAYMENT IN FULL FOR DELETION!!!!!!!!! REMOVE THIS COLLECTION NOW!!!!!!!!! -XXXX   XXXX XXXX , IL OR XXXX , IL XXXX XXXX
Consumer complaint received 2022-06-23
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. (MA)

As of late XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

On XX/XX/2020, I sent a letter to Pentagon Federal Credit Union ( PenFed ) and enclosed the following 3 negotiable instruments : Money Order for {$750.00} ( part of regular mortgage payment ) Personal Check for {$120.00} ( ck # ( part of regular mortgage payment ) Personal Check for {$39.00} ( additional money for replenishing escrow account ) Only one of these instruments was negotiated, the check for {$39.00}. The Money Order and check for {$120.00} have not been negotiated. 

As a result, PenFed has been issuing me default notices and threatening foreclosure. 

I have inquired about the non-negotiated payments ( see letter dated XX/XX/2020 ) but PenFed has not responded. 

I also sent a letter to XXXX XXXX but have received no response. ( see XX/XX/2020 response )
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/2022 I got two emails stating that I had " successfully added a wire transfer recipient AND that I had recently submitted a wire transfer for {$3500.00} '' and that if I did not submit this transfer, to call Wells Fargo at XXXX, which I did IMMEDIATELY! 
I have NEVER authorized a wire transfer from my account and I do not know the recipient!!! I immediately filed a fraud complaint, closed my account, cancelled my debit card and opened new account. i was told that I would have a resolution in 5-10 business days. XXXX weeks later I was told that there was nothing they could do and that my claim was closed.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Several weeks ago I tried to set up an online ACH transfer of {$3000.00} from my bank, Huntington Bank to my XXXX account and was told they could not do so until I proved that the account I was transferring to was owned by me. I printed the top half of my latest brokerage statement showing my name and account number. They replied that they must have the complete brokerage statement to proceed as it could be " easily manipulated. '' I don't think that is the bank 's business to see my complete brokerage statement. I instead mailed them my XXXX Account Profile information sheet, again showing my name, address and XXXX account number. Now they are ignoring me. 

I don't think this is proper. Please advise. 


XXXX XXXX
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2022 I logged into my account to see that Navy Federal Credit Union has debited my account for the amounts of {$510.00} and {$82.00}. Upon discovery I called customer service to investigate and they proceeded to tell me it was due to a provisional credit that was given to me for my child tax credit due to my account being overdrawn. I informed the representative that I did not receive any such notice and did not sign/agree and/or authorize any provisional credit to my account due to the fact I have multiple direct deposits being deposited in my account. To me this is fraudulent activity on their part and now has placed me in a deeper debt than needed to be and I will not be able to pay my bills as I need to.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (LA)

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (WI)

XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX  Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX  Date of Inquiry XX/XX/2021
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (KY)

On XX/XX/2021 I purchased 3 E-Gift cards on XXXX XXXX website through their third party XXXX I purchased cards in the amount of {$500.00}, {$250.00}, and {$25.00} immediately after purchasing these cards, i received an email stating that the cards could not be processed and that the transactions would be cancelled. None of the 3 transactions were cancelled and a total of {$750.00} was charged from my account.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX Account # 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
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy I dont want this account reporting on my credit report. 

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. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-23
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. (VA)

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to Experian, XXXX, and XXXX. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy I dont want this account reporting on my credit report. 

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. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-25
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instruction
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

US Bank XXXX Colorado. Deposited check made out to me & my husband, both of us endorsed back of check. US bank the next day held check until we came in with both our IDs since it was a joint check being deposited into my sole account. We both went in with our IDs and copies were made. The branch manager was at lunch & we were told we would not have to return since copies of our IDs were made. The branch manager XXXX XXXX returned from lunch and proceeded to call me and yell at me for interrupting his 3 hour lunch & unless I personally came in showed him some respect and apologized before XXXX he would not deposit my check & make it hard for me to get my money this is a {$13000.00} check for my roof replacement which starts today & now I am at the whim of a manger who has a giant ego & thinks its his money not mine.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Someone is fraudulently opening bank accounts in my name with Bank of America. In the past it has also been with XXXX XXXX and XXXX bank as well. I also had some open up XXXX account in my name as well. I have credit freezes on all three credit bureaus, and fraud alerts on my account that should help prevent accounts being opened under my social security number.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

My Account was charged XX/XX/2022 for {$79.00} from my bank Navy Federal Credit Union due to a child tax credit that Navy Federal Credited to my account without My Knowledge or Authorization months ago. I called my bank on this day to reverse this charge because I had no knowledge of this and it escalated to a supervisor which later told me she could not reverse the payment whether I had knowledge of it or not. This is Not Legal. This is Theft.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/21 : fraudulently scammed by a woman impersonating a real estate agent. And made several payments totaling XXXX $ via Bank of America app using XXXX. 
XX/XX/21 : filed a claim on the two payments of XXXX $ for the property which I had not only been shown in person but watched the woman access the key box to enter the property to show me. There was evidence leading to her being an agent and listing the property online in the marketplace of XXXX. I have attached more than enough evidence to support my case and be refunded the XXXX $ at minimum. It cost me my home during thw holiday season. I dont have any family to stay with or help me out. I was simply screwed. The bank claimed they were not responsible due to it being a third party transaction but they own XXXX! I have more review d I have also already submitted to the bank. Ive reported the woman to authorities and filed a police report as well. I have provided all of this info and more to them with no luck of recovering my savings. I worked from a home office. When I list my place because I lost that money, I was put out of work again for the second time since Covid. Bank of America should back their customers rights and stand up to these criminals. The womans still out there stealing money from victims! She needs to be held accountable for her crime and so does Bank of America. By them denying my claim, based off of false allegations they are not affiliated with XXXX, refusing to provide me with the transaction ID so I could file with XXXX, they are stealing my money and just as much a criminal as that woman.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (FL)

I dont understand why my accounts are being put on hold. Ive never had a bank account in my name except one where I opened and got scammed and had to try to close it. I reported that I was scammed ans a victim of fraud. Gave out information that i thought was being protected and used for good use.