davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo opened a checking account in my name. I received email that notified me of the new account, and that additional information would be required to make it active for use, then I received an email confirming it was officially open and ready to use. The account was opened using my SSN, fraudulently, online. 

The account has been closed, and no financial transactions took place because I alerted Wells Fargo the same day I received the email that I had not opened the account. WF referred for fraud investigation internally, and found that it was fraudulently opened and do not " hold me responsible ''.

My complaint is that WF opened this account without a proper identity verification and that they will not provide me, the victim, how identity was verified ( both mechanism used and ID shown to them ) what other information was used that is my personal information.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I received a letter from a collection agency called Commonwealth Financial Systems on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. Commonwealth Financial systems illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FDCPA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. I spoke with XXXX and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from XXXX at XXXX XXXX and he did not help at all after I explained that commonwealth Financial systems broke the law. I plan on suing both XXXX and the collection agency.
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXXXXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$220.00}
Consumer complaint received 2022-03-08
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. (FL)

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 XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-08
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. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XX/XX/XXXX
Consumer complaint received 2022-02-17
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. (CA)

Hi I am submitting this XXXX XXXX without 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 n 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 XXXX XXXX XXXXr PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I deposited {$250000.00} into my account. Only {$250.00} has been credited. 
I called Bank of America 3x and was told 2x it would be fixed, the 3rd time I called my branch and the assistant manager said there was nothing she could do. I went to the branch physically and was told to call the number ( which I had done 2x ) and there was nothing else they could do. So I am out of options. They have the {$250000.00} but insist on keeping it without crediting it.
Consumer complaint received 2024-12-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (MD)

According to my Credit report, I have a derogatory mark on only my XXXX report, appearing with a balance of {$7300.00} reported by National Credit Audit Corporation dated XX/XX/year>. The original creditor is noted as The XXXX At XXXX. These bogus charges were made in connection with a lease/rental agreement ( for which I was only an occupant and not listed as a lease holder ). According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide me validation of information within 5 days of initial contact. This includes, written notice of the debt, name of the creditor, and my right to dispute said debt, and phone number and address for me to contact them. It has been 5 years, I have never heard from any debt collector about this debt. I have only ever seen it on my credit report. It has been removed from all major credit bureaus with the exception of XXXX, for it being fraudulent.
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (OK)

This company is fraudulently reporting information on my report without my consent. I am not aware of this account who opened it and the account is being reported as charged-off. That means someone was paid off the account and my name. Who gave them consent to report this account? They have not provided my wet hand original signature that gave them consent. This is damaging my reputation and causing injuries as I am not able to obtain credit. The account has been charged off so why is it on my private report. 

Regulation P stated they are required to provide an opt out notice which means they are moving in dishonor by not respecting my privacy disclosing information to a third party without my consent. 

15 USC 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 

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. 

They have not provided any documentation of that was obtained through personal interviews with neighbors, friends, or associates. 

Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) An act or practice is unfair if ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or competition. 12 U.S.C. 5531 ( c ) ( 1 ). 

I KEEP GETTING DENIED CREDIT BECAUSE XXXX XXXX IS FRAUD WITH THE REPORTING ON MY PRIVATE CONSUMER REPORT.
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion refuses to remove a Fraud Alert from my credit account..Ive called multiple times and keep getting told to verify information. Once the the information is given they refuse to remove the fraud alert ... This is completely unacceptable and is IDENTITY THEFT on the part of Transunion
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (RI)

On XX/XX/XXXX I made an online payment through to PayPal for my PayPal Credit account which is owned or managed by Synchrony Bank. The one time payment was made once ( 1 ), however I received two ( 2 ) charges for the withdrawal in my bank account in the amount of {$160.00} each. When I received notification from my bank that I got 2 charges I reached out by calling the number to contact for PayPal customer service XXXX XXXX. I spoke with a representative by the name of XXXX or XXXX he stated that they couldn't reverse or send the money back the same way it was paid and that the only means is by sending a check via mail which can take 7-15 days. I asked if there was anyway to expedite that being that the payment was made online, to which he stated he can only inquire to see if it was possible. I then asked to speak to a supervisor to which after waiting for a several minutes I spoke with XXXX rep ID # XXXX to which she confirmed the same thing as the first rep and stated this was the only option available for Synchrony Bank. I informed them I would be making s formal complaint about this practice.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION (NV)

I was contacted by Simmons Bank about refi. I informed the gentleman that I did not want to run my credit until he looked at our income and knew it would work. He said to send him a paystub and he would look at it. He replied and said the income will work. I told him to go ahead and move forward. After appraisal and pulling credit, the underwriter said the income would not work based on paystub and prior w2. If I would have known this upfront I would not have approved credit pull. Totally mislead.
Consumer complaint received 2022-02-17
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 accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX  XXXX XXXX # XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX AND XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for 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 2022-07-20
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: Bread Financial Holdings, Inc. (TX)

Commenity bank 's website went down sometime in the last two weeks of XX/XX/2022. I was unable to login and retreive account information. About a week later, that issue was resolved and I was able to view most of my account information online. On XX/XX/2022, my first transaction was declined. I figured it was due to their ongoing site/conversion issues and did not use my card for a few days. I have tried to use my card several times up to today 's date - XX/XX/2022 and the card continues to be declined. I do not have a balance on my account and have a credit limit of almost {$18000.00}. I have tried to call in to the customer support number but each time, I get a message that tells me customer support is closed. My calls are during normal business hours. I have tried to call mid-morning and mid-afternoon but get the same message each time. Additionally, I am unable to redeem rewards during this outage. This disruption of business has lasted longer than three weeks with no word from the bank on when it will all be corrected. I have also submitted a message to the bank about the matter via their online messaging system but have not yet received a response.I have several XXXX of dollars in cash back credits that I'd like to use but am unable to do so if I can not use the card to make purchases.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is deceitful, misleading, and falsely advertised financial hardships for their credit cards. On XX/XX/2022 I explained to 3 different Capital One representatives at XXXX in regards to my financial hardship and the inability to pay due to severe life-threatening medical condition that put me out-of-work. I explained to these representatives that I was unable to make a payment until XX/XX/2022. 

The programs they offered as follows. 

Program 1 : I pay {$98.00} on XX/XX/XXXX, {$98.00} on XX/XX/XXXX, {$98.00} on XXXX to get me current on the bill totally {$290.00}. I told the representatives this does not make sense if my minimal due is {$28.00} per month plus the late fee of {$28.00}. This, if I paid XXXX & XXXX XXXX of {$28.00} totaling {$56.00} plus the late-fee which is {$28.00} doesnt total {$98.00}. Further, if I paid the late fee + the two minimums I should be current. There would be not further need to pay {$98.00} per month. One representative agreed to my statement. 

This lead me to believe Capital One is fraudulently collecting fees and being scandalous and deceptive in leading customers believing that they are catching up on their balance and becoming current when they already are. 

The second program waives the late fee as if Capital One is actually doing something to help, the persons credit is still ruined by the negatively reporting and the interests still piles up. 

Capital One does not have a program that genuinely helps a person during financial hardship especially with the Covid-19 pandemic revving back up with the new variance. For example, XXXX Texas is back to a Stage 5 meaning maximum Covid protections. 

Capital One is a terrible financial company that swindles the low-income and people of XXXX especially XXXX Americans. Minorities are more likely to shop @ XXXX than XXXX and low-income individuals are more likely to get credit and barely pay the minimum and experience financial hardship. 

This is a terrible company. Dont worry about responding because all Capital One will do is send me a letter via email explaining nothing new. 

Capital One doesnt even care to reach out by phone when requested a phone call due to XXXX XXXXXXXX. 

I want this to be publicly posted to warn people of what Capital One is doing to help them!