davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

on XX/XX/XXXX, I was home alone with my credit card. I received a text from Capital One saying they declined a purchase at XXXX XXXX for {$3000.00} and asked if it was me. I texted back " XXXX '' and Capital replied by instructing me to report the fraud. My card was in my purse, and I was not shopping with it. I logged into my Captial one account and saw that there was another charge pending from XXXX XXXX for {$750.00}. I reported this charge as fraud as well. Capital One opened an investigation, deactivate my card, and issued a new one. XXXX minutes later, I get another text from Capital One telling me use this pass code to complete my purchase. I called Capital One and they assured me that the card was deactivated and detailed a list of purchases that where decline on my card that day. I check on XXXX and the {$750.00} was removed. I checked again on XX/XX/XXXX and the {$750.00} was charged back to my account. Apparently, their investigation determined that it was charged to my card, and because my card was in my purse, I'm responsible for it. Capital One notified me that there was fraud occurring on my account, and now they are charging me {$750.00} for being a victim of that same fraud.
Consumer complaint received 2024-11-19
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. (DE)

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$40.00} Account # XXXX XXXX  account opened on XX/XX/XXXX and it has a balance of {$24.00} Account # XXXX In collections I have two accounts that are a result of Identity Theft. From the following : XXXX XXXX XXXX with account number XXXX {$1900.00} XXXX XXXX XXXX with account number XXXX {$1800.00} These 2 collection accounts state they are the result of fraudulent XXXX XXXX  XXXX  that have been removed from my credit report due to identity theft. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2022-06-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WILLOW BEND MORTGAGE (TX)

I got my preapproval letter from a lender that my realtor recommended so started looking for home once i found house we were suppose to close on 2 weeks had to put down XXXX down for XXXX XXXX did the inspection and was just waiting for lender to do is part they became a ghost would no take my calls or my realtors calls after 3 weeks they called back and told me they needed to talk to my accountant since I'm self employed had her move numbers around on my business side then to come back and say that my loan had been denied so I not only lost my XXXX but my time and some other expenses that came up with all the paperwork they were requesting end result they just cancel contract and didnt tell me anything apparently we signed a paper during the process that said that we would loose money if we didn't close in a time that the contract said now they don't even answer my calls very frustrated
Consumer complaint received 2022-06-09
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. (FL)

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 15.U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Consumer complaint received 2024-11-25
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 (FL)

On XX/XX/XXXX coming back from a fishing trip, I received a call from who I thought was Wells Fargo. This Person fraudulently hacked my account and Transferred {$5600.00} from my personal account to my business account and then XXXX out {$4000.00}. This person was not enrolled in my XXXX. Which causes the transfer to take more time to clear giving it a pending transaction which can be stopped. I called the bank immediately. After finding out I was hacked on the XXXX requesting a stop payment which The lady on the phone told me my funds were safe and I didnt have to worry about it gave me a claim number and told me I needed to open a new account in the morning the next morning I go to the bank give her my claim number and theres no information about a stop payment. I know they have recordings of all the conversations and theyve lied to us telling us that the charge could not have been stopped. Ive done my research and yes, it could have been stopped, but Wells Fargo messed up and doesnt want to do right by customer.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2022-12-01
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. (NY)

On XX/XX/XXXX, the credit reporting bureau Experian concluded an investigation into a tradeline beginning with account number XXXX ... with XXXX XXXX XXXX. The XXXX offered a settlement to close the account. I scheduled a payment on XX/XX/XXXX and paid the settlement balance on XX/XX/XXXX. Experian is reporting the account open with no recent payments, and the current balance as {$10000.00}. However, there is a payment that has posted for {$2100.00} on XX/XX/XXXX and the account is now closed with XXXX XXXX. I have requested that the creditor delete file and derogatory information. I have found that Experian will not conduct thorough investigations and look at evidence presented. They will mislead consumer by stating they will but in fact, they often do not. This makes it extremely difficult for consumers to correct errors on credit reports which negatively impacts their credit score. It is a violation of the Fair Credit Reporting Act. 

Secondly, I want to file a complaint regarding Experian 's handling of the XXXX tradeline on my account. It is reflecting a late payment history, despite my numerous attempts to dispute the error. I provided the information showing the satisfactory payoff the account, which was paid off early.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hi CFPB I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- Investigate disputes within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ).

Despite these clear legal requirements, TransUnion has negligently failed to comply.

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This negligence is a direct violation of the FCRA.

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has failed to properly investigate the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have negligently failed to do.

TransUnions negligence in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their negligent practices, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions negligence has harmed them as well. 

Thank you for your time and attention to this matter. 

Thank you! 
XXXX
Consumer complaint received 2022-06-09
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: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-09
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. (GA)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Our original mortgage was through XXXX XXXX  XXXX. They sold it to XXXX XXXX. After XXXX owned the mortgage, I applied to have PMI removed. The request was never completed. Instead, the mortgage was sold to Truist Bank. I applied to have PMI removed again. My request was denied. I faxed them an appraisal but the appraisal was not approved. 

Please help. This has been an extremely frustrating situation.
Consumer complaint received 2022-12-01
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: DISCOVER BANK (NY)

I am getting Discover Credit Card statements with my credit Score on them. 
They use transunion. I confirmed with them that they show my information as blocked and were confused why they were getting that info from XXXX XXXX. They said to call them. 

XXXX XXXX- forced me into a text service for customer support. 
They had no idea how, with a credit freeze, Discover was getting this information. They then asked me for my private info, ( which they're own text service instructions said not to give that over text service. ) So I gave up with them. 
My question is how is XXXX XXXX giving my credit score information to Discover? I have confirmed my credit information is Frozen.

Doesn't Frozen mean Frozen?
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

I bought appliances from XXXX on XXXX  months same as cash. The Bank who services their accounts is Synchrony Bank. A few months went by with no problems. Then in XX/XX/22 and XX/XX/22 I received a text that they had not received my payment. XXXX had sent them the payments electronically. They had me go to the bank and obtain documentation that they had sent the check. I submitted the required documentation. They accepted the documentation from XX/XX/22, but not XX/XX/22. They placed a comment on my credit report and then removed it. I produced additional information and they sent me a letter that they had reversed the decision and accepted the documentation. Everything seem to be going well until I saw they added the 2 payments to my statement, but deducted 3 more payments. So they were stealing {$670.00} from me. I called and one man tried to tell me he did the math and the balance was correct. After I told him the math was wrong he then transferred me to a supervisor. She explained they add the payment provisionally then decided to take it back. She couldn't answer to why that happened or what to do about it. She told me to call the CEO. She said she could start another payment dispute case to which I agreed. I am willing to pay off the balance and get them out of my hair. I am unwilling to pay the additional money they are trying to add that I already sent them.
Consumer complaint received 2022-12-01
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. (CA)

all of my personal data is handled by my half sister who controlls everything in my hose hold the most recent is my dad and her controlling getting my po box and they updated the address to wich i couldnt even change because they would take proof of my new address they just brought me back two pages from my credit report. Its been ripped up but i remember the date of the XXXX  report and was XX/XX/21.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

my credit card was stolen when they sent it to me in the mail and someone other than me activated the card made a purchase without my authorization and now the Wells Fargo bank wants me to pay this debt without me being the one who made it
Consumer complaint received 2024-09-18
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. (NJ)

I am writing to urgently address the fraudulent account that has been reported on my credit file. I am a victim of identity theft, and this negative account is the result of criminal activities conducted without my knowledge or consent. 
It is essential that this inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent account in question was opened by someone close to me, who stole my personal information and used it to open account in my name. After becoming aware of these unauthorized activities, I contacted the bank, who has acknowledged the situation and agreed to remove the fraudulent account from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The bank has confirmed the identity theft and is aware that the account was opened without my authorization. 

XXXX XXXX
Consumer complaint received 2022-12-28
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: Neon Newco Corporation (GA)

I received a Netspend Prepaid Debit Card for XXXX, XX/XX/XXXX. On XX/XX/XXXX I attempted to activate my card. After submitting my information via Netspend 's activation portal, I received an error message. I have attempted to activate my card via Netspend 's web portal, but I am instructed to call XXXX. The toll-free number only allows interaction between me and the phone system, it does not allow me to speak to a human, and there is no option for me to activate my card. I contacted Netspend via XXXX and while they responded to my message, they have failed to provide me instructions to speak to a human. Additionally, this company requires you to input your social security number in order to activate a *Pre-paid card! * - a Pre-paid card that already has funds in it. I have a suspicion this card is fraudulent as it has been fined by the FTC before. 
As of this report, I am unable to use my funds that have been pre-loaded into the card. 

I would stay away from Netspend and all of their services, and feel horrible for the person that pre-loaded funds into the Netspend card I got as a gift for XXXX. 

I would advise everyone that sees this message to stay away from Netspend and their services, and I hope the FTC shuts down this company for good.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-30
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. (NJ)

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC (GA)

RELIANT CAPITAL SOLUTION is a collection agency whom I've never heard of before and they sent me letters about a debt from XXXX XXXX for {$710.00}. I have never attended the school. The company never validated the debt and just the other day they put the collection on my credit report saying it was opened in XX/XX/2022. Which is a lie because I have not attended any school. I asked them to send me proof of my attendance and they never did. I want this company to delete this false account off of my credit report before I take legal action. They put this account on my XXXX and XXXX credit report.