davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (NC)

Experian and XXXX do not allow for convenient uploading of documents to dispute errors. On multiple occasions, I've tried to upload documentation to their dispute portal to prove that there is an error on my credit report, but the system never works. The documentation can't be uploaded and, you get an error message. The error message recommends and option to file without documentation, which you can't actually provide. Then 30 days later, and as a result of not being able to upload the documentation, they side with the company showing the incorrect information. How am I to prove that the information is in correct, if I can't attach/include the documentation that would show the incorrect amount? 

The onwnus is on the customer to prove the company is incorrect. But the customer can't prove it easily and the company is not going to be truthful. Ever. You are wasing the customers time and extending the impact the incorrect information has on a persons credit report and rating.
Consumer complaint received 2022-07-28
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. (CO)

I applied to XXXX  back in XXXX of 2020. Without consent they have pulled my credit and then sent me an email to stating such. While the email contains necessary disclosures when you pull someones credit, they were not authorized to do so. 

I have not made any contact with this company for well over 2 years.I have attached the email from them.
Consumer complaint received 2021-09-03
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to TransUnion ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to TransUnion on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, TransUnion is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of TransUnion who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts would not be removed until an investigation was completed. TransUnion has violated my rights and federal law with their unscrupulous business practices.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I submitted an online refinance application to Caliber Home loans at the beginning of XX/XX/XXXX. When I didn't get a response I called them directly ( Around XXXX ) to start the process, they currently hold my mortgage. I got an email from the loan officer XXXX XXXX with rates for a 30 year FHA which is not what I wanted at all and then a request to sign a disclosure agreement. I had replied that I was not interested in that I was looking to move off of my 30 year FHA and over to a conventional with a shorter term. On XX/XX/XXXX, I got options for conventional loans. Shortly after I got a disclosure agreement in the mail. I sent an email asking about it since at no point had I selected one of the options. I got no response. I sent an email on XX/XX/XXXX, advising I had not received a response about the disclosure and would like to go with the 20-year conventional loan. I finally called and had to speak with a generic representative. I asked for another loan officer since mine was unresponsive. I then got a call from my original loan officer who said don't sign the first disclosure she would send the second. The second one came and I signed it on XX/XX/XXXX. I heard nothing else. On XX/XX/XXXX, I emailed and asked why I had not heard anything, was there something I needed to be doing. I tried to call and request again, a new loan officer or to speak to a supervisor which they did not do, they just had the same lady called me again. She sent an email saying my application was with underwriting and I would receive something from them if they needed something and it could take 3 to 4 weeks. I sent an email on XX/XX/XXXX, stating that I need information because I haven't heard anything and my cash-out refi in XXXX did not take anywhere near this much time. I did not hear back. I tried calling the loan officer but her phone says she is out of the office until XX/XX/XXXX ( 2 days ago ) and the main phone line says due to unforeseen circumstances they can not answer the phone and it just hangs up. I can't get any assistance because all the phone lines just hang up. I find this company to be so unbelievably unprofessional.
Consumer complaint received 2022-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (CA)

Hello, My name is XXXX XXXX. I bought a Used XXXX XXXX XXXX on XX/XX/XXXX. During the sale of the car at XXXX XXXX, in CA, I put a downpayment of {$10000.00} and I was told by the dealership financial officer that Westlake Financial Acc : XXXX is not going to finance my car without a GAP, Extended Warranty, and Extended Maintenance. Before the options my car payment is {$680.00} and after it changed to {$800.00} After doing some research and I found out that I might have been scammed. 

I need CFPB to look into this matter. 
" By Law, a lending institution can not require a customer to purchase an extended warranty, GAP insurance, credit life, disability, or any other backend finance products. '' PS. I am having a hard time sending my car contract to you through the website because my file is too big. What should I do? 

Thank you XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

My Identity was stolen from a data breach. When I was notified by XXXX 's Fraud department that I had fraudulent credit inquiries for attempted credit cards, I started creating account with the three credit bureaus to freeze my credit. The person attempting to use my credit already created an account with Experian, with his/her email address, so any attempt to open an Experian account sends a username/password change to them. All attempts to speak to a representative with Experian have failed. The automated service doesn't allow to report fraudulent Experian accounts. Any action to correct the situation is timely, allowing continued fraudulent attempts to open accounts in my name.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has been ordered to comply with their settlement to many prior account holders. My husband, my prior businesses and myself keep receiving letters asking us to cash checks for these settlements, which have never been received. If the company is trying to say they're sent payments, they have not. It's a ruse.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX. XXXX XXXX. XXXX XXXX, at Wells Fargo, is a part of the problem the world is the way it is. 

Well Fargo has an internal policy, that lines up with XXXX XXXX app to purposefully delay the posting to an account to create fees on both sides as they point to one another as the cause. 

I personally don't care to dig through red tampon tape as my business partners bleed me. Like XXXX. 

So, When I called to fix it, they gave me a breakdown of my transactions. As if that's not why I'm calling. 

Then, XXXXXXXX XXXX XXXX became hostile. Screaming and yelling, but she is the Consumer Advocate? How? 

Regardless, Wells Fargo explicitly allowed me to enroll on overdraft protection, only to ake sure I overdraft and have to use the protections " offered. '' Its a ponzi scheme, set in timetables of due dates on wires and funds, and most of the time they target people they know wont fight them on the fee. I'm not that person. 

WF protection program entitled me to up to the date news on my disputes as well as, what I understood in the terms, a good faith promise to investigate a dispute within the wheelhouse of the program. 

Today, XXXX refused to take my fee dispute against XXXX. Initially, she offered to transfer me to claims, then she said she didn't have anyone, then she said she could look into it, then she said what I was looking for, then proceeded to deny ever offering me a chance to speak with claims. It was a runaround. I just got off their recorded line maybe 10 minutes ago. 

Additionally, with regards to the XXXX claim, worth XXXX. The protection program states it will keep you updated on disputes throughout the process. When I submitted the XXXX dispute, on the same day, I submitted an Audible dispute with the exact same claims and underlying basis for the claim. 

Unclear Terms and Conditions. 
I did not sign up for this, based on those terms, I understood x, but they only mentioned y. 

This line of reasoning entitled me to XXXX bucks back from XXXX. 
But from XXXX, it lost out on the same day? Exact same baseline facts? Exact same underlying issues. Except XXXX is up and coming and they don't want to risk it. 

Regardless, you notice the problem with the fact set? I'm only mentioned as the person doing th eleg work to make the protection program, protect me? 

They refused to investigate Refused to update Did not exercise good faith Have inconsistent XXXX or Timetables are weighted towards overdraft Case in point, WF and XXXX are in bed together and consumers are paying for the hotel room.
Consumer complaint received 2022-07-25
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone has gotten into TransUnion XXXX XXXX and 3 XXXX XXXXXXXX credit cards all past and new or current emails all online banking accounts and identity theft account as well as my food stamps. I have even been charged with criminal charges that I did time served for that aren't my responsibilities or obligations. I need serious help to overcome the identity theft and fraudulent accounts that have been accumulated in my name driver 's license and social security number.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (PA)

Fortiva credit card company refuses to cancel my card, even though it has been locked for 2 years. I spoke with a representative that told me if I paid off a small amount, they would cancel my card. Instead they immediately added more charges to my account so I couldn't close it. This has been ongoing now for years and the current charges on an account that I can't use are XXXX. 

Last time I spoke with them was in XX/XX/2022.
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

XXXX XXXX Account No. XXXX On XXXX, A company shown as Macy's/CBNA was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (LA)

Notice to File a Complaint XX/XX/XXXX Ref : Complaint for deceptive and predatory financial practices. 
Dear Sir or Madam, The complaint I am filing against Navy Federal Credit Union involves Unfair Restrictions on Account Access and misleading and deceptive practices. Additionally, it involves public reporting of fraudulent claims against me for debts on accounts that have already been paid, and billing errors. As a result, I have been denied credit with other corporations. Despite having trusted Navy Federal Credit Union with my credit/accounts, they have refused to send me tax documents, paper statements, and invoices for all accounts on file. After being charged twice in the same month, I feel targeted. In a dispute with a merchant who never sent items paid for, they refused to refund the account. Despite providing proof that the items were returned, this still happened. In the absence of notice or permission, they have stolen funds from my checking account to pay a bill. Also, I have noticed fraudulent account activity with a non-Navy Federal Account that has been added for transfers on a closed XXXX XXXX  account. Please note that this account has never been added or opened by me. My request for documents was ignored by the supervisor of the credit card department, XXXX. This company has blocked my credit and prevented me from using my credit cards so many times. Despite my best efforts, I was unable to access my credit and I had to call at least five times a day to get them unblocked the card. Due to their deceptive and predatory financial practices, I would like to have an investigation conducted. The CFPB investigation found that Navy Federal Credit Union deceived consumers to get them to pay delinquent accounts. The credit union falsely threatened severe actions when, in fact, it seldom took such actions or did not have authorization to take them. The credit union also cut off members electronic access to their accounts and bank cards if they did not pay overdue loans. Hundreds of thousands of consumers were affected by these practices, which occurred between XX/XX/XXXX and XX/XX/XXXX. The practices violated the XXXX XXXX XXXX XXXX and Consumer Protection Act. Specifically, the CFPB found that Navy Federal Credit Union : The Consumer Financial Protection Bureau tasked to protect consumers from deceptive and predatory financial practices by ensuring banks, mortgage and student loan lenders, and credit card companies play by the rules.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2021-12-06
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: TD BANK US HOLDING COMPANY (CA)

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through TD Bank XXXX.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

I recieved a Credit Card from XXXX ( Comenity Bank ) in the mail in the last week of XXXX. I had never applied for this credit card. Then I called Comenity Bank on XX/XX/XXXX to report this issue. The agent replied that the account was being closed to avoid further charges, and that the matter was being forwarded to their fraud investigation department. And that I'l recieve a letter from them in due course. 
Last week I recieved a statement from the same bank in the mail, showing a charge of US {$2100.00} made on XX/XX/XXXX at XXXX. XXXX XXXX MD-XXXX.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I get sometimes XXXX calls a day from a company who states they are from Amazon, advising me someone from Ohio made a {$720.00} purchase on my Amazon card. When I advise them I did not make any purchase they state I have to go to some website to cancel the transaction, or else the transaction will be approved. This is an obvious scam since every time someone calls with the same message it's a different phone number. one of the most recent was XXXX and the caller ID showed XXXX XXXX Rental. One of the calls the ID was XXXX XXXX. I have spoken to a representative and asked them to stop calling but the calls continue. 

XXXX XXXX
Consumer complaint received 2021-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2022-07-30
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. (AL)

My credit report shows that I have 2 collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Debt collector Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXXt XXXX XXXX 
Alleged Original Creditor Acct # - XXXX
Consumer complaint received 2022-07-28
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: Security Credit Services, LLC (TN)

I have mailed several letters to XXXX XXXX last letter ( XX/XX/2022 ) to verified Security Credit Services acct # XXXX XXXX reply back ( XX/XX/2022 ) Verified. 15 U.S.C 1681G I received a letter from Security Credit Services ( XX/XX/2022 ) as notice that the account was closed in there office. When I requested Debt Validation.