davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One reports to the credit bureaus once per month. I've had my card since 2014 the reporting has always been 3-5 days after the close of my statement which is the XXXX of the month. Before the end of my statement, I always pay my balance in full to {$0.00} and that is what is usually reported to the credit bureaus. In XXXX as usual my balance was reported as {$0.00} after my XX/XX/XXXX statement date. I made a charge of {$160.00} on XX/XX/XXXX which would be included on my new statement which would end on XX/XX/XXXX. Well Capital One reported that {$160.00} charge as the balance on my account on XX/XX/XXXX to the credit bureaus well before my statement date. I called them when I saw my utilization for that card had jumped from 0 % to 82 % this lowering my credit score. On XX/XX/XXXX I was told by a supervisor that it was a mistake on their part and they would issue a mid-cycle update to the credit bureaus which should take a " few '' days to update. I asked again to clarify and was told it shouldn't take more than 3 or so days. After 4 days went by I called again and the supervisor I got that time said they didn't see any record of the conversation or notes that they were going to submit that mid-cycle update as I claimed. Obviously I got frustrated but she went in the system and came back and said she did the research and indeed saw the request was submitted. So today I called which is 10 days after my initial phone call to ask why they haven't sent anything to the credit bureaus yet and they agent I got went to a supervisor and they told me it could take 40 days to complete the process!! So now I am taken aback. What is the point of submitting a mid-cycle update for an internal mistake if it's going to take 40 days to update. By then the new cycle would have passed twice and the balance is already paid anyway so this is not helping me at all! I was given misinformation and Capital One is refusing to promptly fix an error they made. I know enough about credit reporting to know once they submit an update the credit report will change almost right away so this fix is as simple as Capital One sending the update but they are refusing to do so. It certainly didn't take them 40 days to submit a balance that shouldn't have been submitted but it takes 40 days to correct that mistake? Doesn't make sense to me and I feel nobody there is trying to help me. I would like my credit report updated immediately.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (FL)

Add statement from consumer to XXXX XXXX account. 

Dear CFPB, XXXX XXXX has consistently hounded and reported to the credit buraus with the intent to label me as a financial risk. 

The sad fact is that life happened to me. Unfortunately, in XXXX  due to unemployment XXXX XXXX would not negotiate a payment plan. There was a balance of {$140.00} left before the bank would be required to refund me my {$1500.00} deposit on the secured card. 

In all common sense, why would I as a consumer deliberately throw away {$1500.00} of my own assets without any intention of recoupment. 

The Federal Statutes are supposed to be in place to assist consumers and not to allow corporations to unduly take advantage. However, my case is just one of the many more situations out there in which corporations can run the roost, manipulate and fabricate records. 

So let this be an added document to my record when I apply to creditors in order to maintain and obtain needed resources, such as credit, housing, transportation etc. to care for myself and my aged parent. 

Despite a payment arrangement in place, upon arriving to make payments the account was closed. And this has been an ongoing dispute. XXXX XXXX investigation in XXXX, claimed no voice recording or documentation was found in their database supporting that I attempted to pay the balance.. 
XXXX XXXX can continue to report up to their maximum seven ( 7 ) years seeing it brings them satisfaction.
Consumer complaint received 2020-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (DC)

My student loan through Wells Fargo went into default without the company providing notice. I spoke with them about a loan modification in XX/XX/2019 and the person did not mention anything about a default. Around XX/XX/2019, the loan no longer appeared on my online portal. I spoke with Wells Fargo after that, and they said they sent notices but the postal service said I never answered the door. I know that is false because I work from home. Wells Fargo refused to reverse the default.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (TX)

My account was hacked through the Navy Federal associated XXXX account on XX/XX/2020, the hacker attached an email & transferred {$980.00} from my checking account to his email, I gave them the hacker email address. I called bank same day and was told not to stop transaction ( I had ability to stop payment with their XXXX account ) I was told to let payment post & on 2nd call, I was told the payment was stopped, I later found it it wasn't. Navy Federal said because my device was hacked and that's how the transaction happened their not responsible but I could've stopped the payment twice but their agent told me not to & 2nd agent said it was stopped. Please assist me with getting my {$980.00} back because of Electronic Transfer Funds Act & the Bank 's incompetence, telling me not to stop payment. Thanks XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i disputed a XXXX charge a while ago because as i said then i did not receive the items. I still have not. Yesterday i received a call message it was very hard to understand from a man in a heavy XXXX   accent saying that something was being disputed i should respond in 24 hours. i did not hear who what or a phone number so today i checked all my accounts and on my buy power the transaction was rebilled for XXXX i did NOT receive the items. i will not pay for it. Capital one in a one size fits all way simply rebilled it to my account. and this is wrong. please reverse. 
Since the pandemic people in this area have been reporting missing items they order perhaps there is a thief but i did not get the items and will not pay for them. I also had no opportunity to respond to the call since i could not make it out due to the accent and lack of clarity
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (CA)

I have paid off my vehicle loan last month in full and Bridgecrest updated my credit report to show that it was paid in full and closed. For some reason they have decided to reopen the account and show a balance still due which has caused my credit score to tank. When I tried to submit a dispute through XXXX they have denied my request for an update saying it was being reported correctly as open and a balance due even though that is factually incorrect.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-04-28
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: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-28
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXXXXXX remove late payments This 30 days late is not correct my account is current. I attempted to reach out to correct the issue and was told nothing that could be done to correct their error. I then reached out to all the credit agencies with no resolution. I am in the middle of buying a house and this error has caused personal damage. 


PLEASE REMOVE 3 LATES ON THIS ACCOUNT NOT ACCURATE
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/2020 I attempted to access my bluebird prepaid account, but was given a prompt telling me I no longer had access. Following the prompt that wouldn't allow me to enter my username and password, I called. Once I called the automated system told me my account was permanently closed and hung up. 

I immediately called again to get with a love rep and was transferred to a different department. Once transferred to that department, they refused to explain why they had closed my account. I had just received my unemployment deposit for {$1300.00} on XX/XX/2020 and had money in my account prior to the deposit. They refuse to tell me why and won't tell me how I am going to get my money from them!!! They won't answer any questions and this is during a pandemic..
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (NC)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX  : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

iscover Financial Service XXXX has issued me a credit card 1 month ago. However, they refuse to allow me to use mobile payment. They have announced that the function of mobile payment is available with this credit card when I was applying for it. But they just declined to get me verified when I want to add it to my mobile wallet. Especially during this pandemic breakout, we should make full use of contactless payment methods to avoid any unnecessary contact as much as possible, which is also required by the government. However, I have been calling the verification team of Discover credit card for more than 1 month but they keep saying their system does not allow them to send me the text message of verification code, by which they can prove that I am me? The phone number I am using is the phone number I applied for their credit card with. I also have this phone number registered on their website. They keep letting me refer to the credit bureau or the cellphone service company. And I have confirmed with both of the two that my phone number is correct and under my name. But Discover keeps answering me the same things saying that my phone number is not under my name. And they decline to connect me to a Consumer Complaint Department or the IT Department to help me with this issue. That means, they approved my application but refused my using the card without any convincing reason. The supervisors, XXXX XXXX and XXXX XXXX XXXX XXXX have always let me call back and said there might be a solution in the future. But they said they do not know when I asked when it is going to be. This is a type of discrimination and I have called them for more than 100 times, which is really a big waste of time. I feel so frustrated and discriminated since everyone around me has no trouble in that process. This is discrimination.
Consumer complaint received 2023-03-10
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2023-03-09
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. (MI)

I hired XXXX XXXX XXXX XXXX to ghost my credit from XXXXXXXX XXXX while theyre lawyers worked to get myself and XXXX XXXX out of a fraudulent timeshare, and XXXX and XXXX both cooperated but Experian , even after speaking with them over the phone, refused to remove the XXXX XXXX account from our credit report. Ive submitted multiple disputes with information regarding the litigation and how the timeshare is to be removed. I just tried submitting another dispute but Experian is not allowing the dispute to go through - our lawyers were successful in removing the timeshare account from our names, so the account is no longer our responsibility. We have been relieved from past due/future payments and fees. I need Experian to accept this because we need to buy a house for our little one to live in soon, and I am sick of battling Experian. I already went through a year of battling the timeshare company for being lying, manipulative, fraudulent crooks. Please correct/remove this account from Experian.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (MO)

My husband and I have a FFELP Joint Spousal Student Loan with MOHELA. A law was passed that was specific for us to separate our joint spousal student loan, XXXX. The Department of Education has stated that they do not have a plan or process yet to separate out our loans and are encouraging loan servicers to give us an administrative forbearance for one year until they develop a process to separate us out. I have called MOHELA on the following dates : XXXX XXXX XXXX XXXX XXXX, and finally today XXXX The first 5 times that I called, they told me that I was going to placed on an administrative forbearance. Then I received two pieces of mail stating it was a " processing forbearance '' and that those would end in a month and a half. Today when I called I was told that they were not going to put us in an administrative forbearance without having an ombudsman from FSA telling them to put us in one. I had reached out 2 times prior to today to the ombudsman group. Once on XX/XX/ and again on XX/XX/, telling them that I was having trouble getting an administrative forbearance. I had not heard back from them. I was instructed today from the FSA to open a new complaint with instructions to send MOHELA a letter instructing them to give us an administrative forbearance. I was also told it would take 2 weeks. I did that today. We now owe almost {$1200.00} on a payment as we can not get into any type of program to help us ease that burden. We have been paying for 20 years and both qualify for the temporary PSLF waiver which we got our paperwork in per instructions of the FSA. We are just asking for the administrative forbearance without capitalizing interest per the ED 's guidance for joint spousal student loans like other servicers are allowing and following. Thank you. XXXX XXXX
Consumer complaint received 2022-04-28
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. (MA)

I received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (OR)

I got a payday loan back in XX/XX/XXXX one was on XX/XX/XXXX for {$300.00} then again a day later on XX/XX/XXXX for {$300.00} and then another one on XX/XX/XXXX for about {$250.00} one only on the first one I used to be sent to my checking account and the rest I picked up and each loan had my checking account from XXXX XXXX XXXX on file which was also the one that had been direct deposited in so it was the card I authorized to run to pay back. Well there was no way I could pay those back and made a poor discion and the fact that it's legal is beyonf me. They probably ran my debit card 25 different times and some occasions they got money and the rest been insufficient. I have gotten collections letters numerous times. On XXXX  XX/XX/XXXX they some how got my other checking account information and it said it was debit card that was charged. They ran it 3 different times for {$350.00}, {$350.00} and {$330.00}. where they got the amounts in do not know and how they got my card information I do not know but when I logged in my account they had multiple cards on file when I've only gave them one. They took over 1,000 of my unemployment  money that I have been waiting almost 2 months for. I was gon na use it to try and catch up my already behind rent. I never authorized them to use that card and they shouldn't have to right to just run it 8 months later. And give no warning or receipt or even answer me. Company 's always just XXXX me over left and right basically Rob me so I know it's along shot for anyone to help me. I'm just sick and tired of businesses making me feel so helpless because they always win. Banks can take and hold your money whenever they want and never help you and it's just okay