davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX ( not XXXX XXXX ) has been reporting a charged off account on my credit reports. Only part of the account number appears on my credit report. I have not had an account for wired service with them for many years, certainly not with an open balance. 

When contacting them, the show no record of any XXXX accounts in my name and are unable to give a account number the reports refers to. But they still are reporting to the credit bureaus.
Consumer complaint received 2022-07-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/XXXX my son deposited a check for XXXX and paid XXXX to a XXXX via XXXX and on XX/XX/XXXX my son deposited a check for XXXX and Paid XXXX to a XXXX via XXXX. These checks were for a promise of employment scam, when I was made aware of it on XX/XX/XXXX I recognized it was a scam and called my bank Wells Fargo to report and file a claim and they said because my son deposited it they couldnt do anything or reverse the transfers. I filed a fraud claim with the fbi as well
Consumer complaint received 2020-08-28
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. (OH)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED/XXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (AZ)

I contacted XXXX about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

Medicredit inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OK)

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued credit acceptance a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. 
I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting credit acceptance the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
Please can you help me this is ruining my credit and causing my family major problems. I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS.
Consumer complaint received 2023-05-12
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. (NV)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I recently paid off my mothers mortgage with a personal loan. The loan was for {$21000.00}. Then did a closing with a lawyer. The house is now mine ( mom is XXXX ). My plan was to use the equity in the home for a home equity loan to lower my rate from 8 % to 3 %. Also from a 6yr personal loan to a 15yr home equity considerably lowering my monthly payment. The Check was received by the mortgage company in XXXX and processed XX/XX/XXXX. It is now XX/XX/XXXX and the lein has not yet been discharged. I have made several phone calls and been given the run around. My bank that is carrying my personal loan has also spoken with the mortgage company along with the county where the home is located. Every month I'm losing money!! Please help
Consumer complaint received 2022-07-11
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. (GA)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Consumer complaint received 2022-07-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX  Acct # 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 an account without my written instruction
Consumer complaint received 2020-07-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, This is my 2nd complaint w/ servicer XXXX. First CFPB complaint # XXXX, made XX/XX/20. In which, I advised on numerous occasions prior before my complaint that I have 6 OPEN student loans w/ XXXX . However 1/3 credit bureaus is reporting the informating incorrectly. Why is it not correct all across the board? Were the ones that it effects, the consumers who try to buy homes. But their credit scores are constantly effected. Im so tired of having to repeat different stories about different companies on my report. Tired of constantly trying to fix it alone, Ive been forced to get help from an attorney.As of today, XX/XX/20, Transunion is still reporting 4/6 of my XXXX accounts as CLOSED. 

The letter received from XXXX, in regards to my credit dispute? They didnt investigate anything, just like before, they just print out my loans & send them. I can do that. They have not CORRECTED ANYTHING W/ TRANSUNION specifically. Make it match w/ all three bureaus. Do not just throw the word investigate around & not do the job regarding handling someones acct. These accts affect our lives. Im tired of trying to correct this issue. ALL DOCUMENTS ARE ATTACHED FROM XXXX & TRANSUNION. 

Im almost certain this will not be corrected this time either. This is my SECOND complaint w/ CFPB, gazillionth w/ XXXX & Transunion XXXX
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There is a fraudulent credit card account with XXXX that's reported as delinquent on my credit report. The account was opened in XX/XX/XXXX, while I was living in XXXX as an expat, and belongs to someone else that lives at an address in Texas that I do not recognize. I have tried to dispute it both with Experian and XXXX when I first noticed it on my credit report in XX/XX/XXXX, but it never got investigated or addressed, and now it's affecting my ability to qualify for an apartment lease. Both Experian and XXXX have denied accountability by directing my inquiry/ dispute to the other. XXXX customer service pretended to have handled the issue when I talked to them on the phone, but still the fraudulent account remains on my record. Experian denied my dispute on the ground that I have already tried in XXXX and I can not file the same dispute twice. 

I have always paid my bills on time and have never had any financial problems, but now I can not even get an apartment thanks to the credit rating system.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I consistently have trouble with Capital One receiving/accepting payments, resulting in unnecessary late fees and added interest. I make payments using my bank 's online payment system. NO OTHER PAYEES have an issue receiving and applying the payments, but Capital One has made this a very painful process for years. After several months of issues, I started making payments on their website. However, this is an additional step for me ( several steps ) and it seems unnecessary when I am making payments- way ahead of the due date - and all other payees are able to receive and credit my account promptly, but Capital One is unable to do this. 

Most recently, I made a payment through my bank 's system on XX/XX/XXXX. They need 2 days to deliver, so not counting the weekend, the payment date should have been XX/XX/XXXX. I have verification from my bank that the payment was electronically delivered on XX/XX/XXXX. Moreover, another credit card that I paid on the same date and in the same manner received payment on XX/XX/XXXX and credited to my account on XX/XX/XXXX. On Friday XX/XX/XXXX, I noticed that the payment to Capital One was still not reflected, and I became concerned that there would be a late fee as the payment due date was XX/XX/XXXX. I called and spoke to a representative who suggested the payment might clear that day. He made a note for " promised payment '' but could not offer a callback or other service to allow me to make an additional payment simply to avoid a late fee, should the payment still not reflect in their system as of the due date. Today, XX/XX/XXXX, I called again, made ANOTHER payment in an attempt to avoid additional reminders and a late fee, but the representatives have no solutions other than to tell me, repeatedly, that their system doesn't show the payment received. 

I have offered to send proof from my bank to Capital One that the payment has been delivered. I have attempted to make payments through my bank 's system well in advance of the payment due date to accommodate the lapse in their system. All to no avail ; Capital One refuses to accept any responsibility for this repetitive issue even though their account contact records should show multiple calls from me about this very same concern dating back to XXXX. Today the representative told me they have not had any complaints about a problem with their system accepting payments. I find this odd, as I have called to report this issue so many times in the past. 

I make multiple payments each month using my bank 's online payment system and I have NEVER had an issue with any other payee, yet the issue with Capital One occurs repeatedly. I would like to know why this is happening and what they plan to do to address it. I should not have to take additional time, or pay additional interest amounts and/or late payment fees due purely to error on their system.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

Hello, on XX/XX/2020 I noticed several unauthorized charges on my debit card with regions bank. Shortly after, new charges popped up labeled ATM Fee which showed that these charges were actually several different out of network ATM withdrawals. I immediately contacted the bank, and notified them and started the claim process. The interesting thing is though that my card never left my wallet, and I was working at the time of the transactions. Yesterday, a week after filing the claim, I was notified that the claim had been denied and I would not be refunded my money, and am out of over {$700.00}. Even though the associate who filed told me that there are many ways my card could have been cloned and used, this was there reason for denying my claim. I am extremely upset to have lost money and have been a great value customer at regions with no issues until this.
Consumer complaint received 2022-02-28
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 (WA)

I have had the same credit card with Wells Fargo Bank and it is NOT the marketed XXXX Wells Fargo credit card by the XXXX on the Wells Fargo website but I believe this is a fraudster scam emanating out of Wells Fargo Bank as a result of my use of a XXXX credit card when staying at a hotel. 

The XXXX advertising the Wells Fargo XXXX credit card is a fraudulent scheme, in my opinion. 

As a result, I, in my opinion after careful research believe that the source of this Wells Fargo scam, the XXXX, selling the XXXX XXXX credit card on the Wells Fargo secure banking website is possibly the source of some spam email I have been receiving, of which I logged an FTC complaint. 

The spam email I received and reported to the reportphish website at Wells Fargo Bank is coming from coverage, XXXX XXXX and the marketer on the XXXX Life ecommerce.com website is offering XXXX XXXX, {$250000.00} XXXX XXXX at {$15.00} per month. 


He appears to be the XXXX selling XXXX XXXX credit cards, probably French and might be connected to the fast talking frenchmen making the XXXX XXXX out of XXXX  XXXX. 

It appears to be the XXXX at Hotels credit card using Wells Fargo Bank, of which I am a depositor FDIC insured for XXXX Thus this is a Wells Fargo Bank scheme with the XXXX in charge and my money is FDIC insured at Wells Fargo Bank. 

Is this how a bank operates on United States soil?
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I was the co-signer for a vehicle. The vehicle was stolen and the owner of the vehicle is deceased. The car purchased had a warranty and gap insurance through the company. Car was recovered by credit acceptance and sold. However, credit acceptance has put the account on my credit as a repo & charged off account with a balance of over XXXX dollars.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA is trying to put a hold of over {$600.00} on my check of {$1000.00} and some change. They put a hold of over {$250.00} on my last check as well. Before that, no holds on my check since my first one I received midXXXX. 

When I inquired, the first rep ( chat feature ) told me it could be any number of reasons that there was a hold put on my account. The second rep ( by telephone ) said all he could see is my monthly balance was low overall. 

That doesn't add up, since my monthly balance has been low since I moved in midXXXX. I had to use all my savings and bank monies to move/get settled in, so if that is the case why is this just happening a week into XXXX instead of in XXXX when I received my first check? 

They do not have any way to stop this from happening apparently, no reason for it happening, it has caused me to overdraft my bank account- I rectified that and got a refund for a service I was not utilizing and didn't realize would auto-pay yearly. 

I now have a {$14.00} balance on my bank account, so I guess that's all that will ever be put into that account because I refuse to have 2/3 of my check on hold for a week. I only get paid every 2 weeks, this is unacceptable.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

This debt collector has never contacted the consumer and is reporting on the consumer 's credit report this is identity theft per 18 USC 1028A ( a ) ( 1 ) ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years.