davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

under SS.1026.2 definitions and rules of construction number ( 3 ). 1026.2 ( a ) ( 3 ) ( i ) application means the submission of a consumers financial information for the purpose of obtaining an extension of credit and they denied me and i did fill out an application with discover card and as stated under title 15 US Code 1605 determination of finance charge i extended my credit to them and they fraudulently still denied me my own credit there for that is a crime under title 15 US Code 1611 criminal liability for willful and knowing violation and want them to provide me with my discover credit card with open-ended-credit/unlimited immediately without hesitation. 

application number XXXX
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

My checking account/debit card has had fraudulent activity within the last week. Someone had stolen my information for my online account and stole {$2000.00} from a local ATM. I filed two claims with Wells Fargo and the company said they performed an investigation on my behalf. They came back and said they denied my claim. Which is absurd since I was nowhere in the location of the ATM where my money withdrawn. I filed a police report with detailed information on this matter.
Consumer complaint received 2022-09-21
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. (NY)

My name is 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 2021-07-07
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. (PA)

I can not access my free credit report from credit report.com. I was told electronically from that site to verify I have a XXXX department store card and a car loan which I have neither. 

I then called XXXX  for my credit report. They told me they needed more information. I faxed them all of my personal information which included my drivers license, social security card and birth certificate. I never heard back from XXXX and when I called them they transferred me endlessly and I never got the opportunity to get confirmation that my documents were received. Nothing was ever resolved with XXXX. At that point I just gave up. I spent at least XXXX dollars faxing all my information to XXXX  for basically nothing. 

I established my social security account today if that helps. I only have a checking account. I have no credit cards or loans. Im a XXXX XXXX XXXX college student who still lives at home. I really want to see whats on my credit report. I have never seen it and want to resolve any discrepancies there may be if any. Thank you for any help you can give me.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLL ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
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 — Their investigation did not fix an error on your report
Company: LendUp Loans LLC (TX)

In XX/XX/2020, Lendup reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The XXXX control number for the update request that was sent to the XXXX XXXX Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (NY)

This complaint involves a utility, XXXX XXXX, in New York, and their collection agency LJ Ross Associates in XXXX XXXX XXXX Michigan, XXXX XXXX XXXX, XXXX MI XXXX ( XXXX ) XXXX. 
I have a stellar credit record, always paying my bills and have no late or bills in default. 
I had moved to an apartment building and was disputing charges that were inappropriate to my account with the utility. The basis for my complaint is that after a few months, I actually moved out of the apartment but was being charged by the utility as if I lived there. The charges were several hundreds of dollars monthly based perhaps on another tenant 's prior usage but not my actual usage. XXXX  XXXX - without any notice to me - sent my account to LJ Ross Associates. In turn, and once again without ANY NOTICE to me, LJ Ross Associates put a collection notice on my credit report -- permanently damaging my credit standing for absolutely no reason. I never said that I would not pay the bill, rather the bill from the utility needed to reflect the accurate charges. 
My complaint surrounds treatment of me and complete disregard for the credit rating and score that I have had all of my life, having paid all of my bills without ever being late or delinquent. These are harsh and unforgiving tactics that are undeserved given that I absolutely was intending to pay my bills, as I have for the past XXXX years as a XXXX XXXX client in New York. This shows me that utter disregard and harm has been done, given that collection efforts CAN remain on the credit report for up to 7 years. This is bullying, destructive and cruel, with malice, with absolutely no care for people in a pandemic. I will also state I closed my XXXX XXXX account and moved out of state ; however, my email and phone and all contact information was readily available and in the possession of XXXX XXXX and its collection agency. 
I am hoping with this complaint that an investigation take place and that these firms institute corrective measures to 1 ) provide notice of collection referral prior to damaging an innocent person 's credit report ; 2 ) request and strongly encourage LJ Ross Associates to remove the collection activity from my credit report to be permanently expunged since it was there wrongly and without ANY justification and notice.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (AZ)

I did not authorize the six hard inquiries on my transunion credit report. The six hard inquiries are US Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I called XXXX today notifying them of these unauthorized hard inquiries and they flagged them and have me a complaint number as well XXXX. They than told me to file a complaint with the cfpb as now I am notifying you to investigate this.
Consumer complaint received 2021-07-07
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. (NJ)

XX/XX/2021, I SENT IN A LETTER DISPUTING ERRORS I HAVE FOUND ON MY CONSUMER CREDIT REPORT. TODAY IS XX/XX/XXXX AND I HAVE YET TO RECEIVE RESULTS OF AN INVESTIGATION OR ANY RESPONSE FOR THAT MATTER INFORMING ME IN ANY WAY. AS STATED IN MY LETTER, AFTER RECEIVING A COPY OF MY CONSUMER CREDIT REPORT I HAVE FOUND SEVEN ( 7 ) ERRORS THAT NEED TO BE INVESTIGATED AND REMOVED. NOT ONLY HAVE I BEEN PATIENT BUT I HAVE PROVIDED SUFFICIENT TIME FOR THIS COMPANY TO COMPLY WITH FEDERAL LAW AND THEY HAVE FAILED TO DO SO ACCORDINGLY OR AT ALL.
Consumer complaint received 2019-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Initial line of credit was in the amount of {$34000.00} in XXXX and interest only. In XXXX I requested a modification for a fully amortized loan and the payment was {$220.00}. An automatic bank draft was set up and payments have been deducted since. The loan balance is still at $ 32,000.00+ after 14 years ( unbelievable ). Because of the {$32000.00} balance, the payment has slightly decreased over the years to {$100.00}. Fifth Third Bank has been applying the remaining {$120.00} to interest as opposed to the principal. This was not authorized by me and I assumed that the remaining amount of the payment would be applied towards to the principal as this has not been an interest only loan since XXXX. This is usury, unethical and illegal. I do not have $ 120.00+ each month to pay interest on a loan that interest is already been paid. Are they charging interest in advance? I am a senior citizen and this is unreasonable and unfair. I have now paid over the amount of the initial loan, but yet, I still owe {$32000.00} after 14 years and was told that the loan should be paid off in XXXX. You do the math, I don't think that I'll be around in XXXX. They have taken advantage and something needs to be done. If you can't do anything, I am going to continue until someone can.
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington bank is the most negligent, cold, bankers in the country!! 
They have locked my debit card twice in 3 days!! 
And refuse to call me back on this! 
I had to order somthing on line, and it was blocked! 
They did not disclose this to me through a message on my phone at all! 
I had to go out, use gas, buy a pre paid mastercard which has a fee, and they refuse to pay for the fee!! 

I absolutley can not trust them anymore, and will be finding another bank. 
I have been with them for over a year, and now this is happening. I can not ever know when i can use the debit card?????????????? NOT!! 
They can go fly a kite! 
They are actually commiting fraud on my account, and locking all of my money in it!! 
Their executive office had better return calls, and they arent!! And they better pay for all the fees I had to pay to buy a pre-paid mastercard.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union (WA)

Subject : Victim of bank account XXXX at First Tech Credit Union ( FTCU ), fraud and overdraft situation I have a savings account number XXXX with First Tech Credit union in XXXX, WA. I have been a victim of a scam. Someone ( we believe XXXX on twitter ) obtained my credentials to make mobile deposits and remove money from the account and this this was not detected by the FTCU bank for over 3 weeks. Now I am saddled with negative values in my account and overdraft charges totaling over {$12000.00}. Of this amount XXXX shows up in the XX/XX/2020 bank statement and rest I can not see due to the First Tech account being locked by the bank. 
I am college student with no income so the FTCU bank should not have allowed these withdrawals I did not authorize, and have ever authorized, in writing, signed or requested any overdraft protection or courtesy pay. When fraud transactions occur risk controls should be triggered. 
These withdrawals should have been caught by the bank risk management controls. For e.g. XXXX  sends a hold communication when we deposit checks there is no amount available immediately. 
We did not receive any text messages stating that I am in an overdrawn situation. 
The bank should have stopped these transactions since the fake checks deposited by the perpetrator did not clear yet, and a hold should have been placed. 
There was a hold placed on only one of the final checks. 
The police case registered with XXXX County Police : Case number XXXX. Officer XXXX XXXX Considering the above, I trust that I am not liable for unnecessary overdraft.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2022-09-21
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MD)

I am the cosigner on my sons student loans and started making payments on the loans while he was still in school in order to qualify for a reduced interest rate. His name is XXXX XXXX XXXX XXXX. Sallie Mae receives an electronic payment for this loan from my bank each month. I continue making the payments after he lost his job in XXXX when his employer closed because of COVID. 

I am not familiar with all the details but have seen many news stories reporting that the President had waived interest payments on student loans due to COVID. I reviewed the Sallie Mae loan records online and found that Sallie Mae continued to collect the interest portion of the payment during the XXXX period. The record shows that Sallie Mae has collected over {$2600.00} in interest on my sons loans after the Presidents decision took effect in XX/XX/XXXX through XX/XX/XXXX. I believe these funds should have been applied to the principal of the loans instead of interest. 

I believe my son and I have been cheated by Sallie Mae. I want Sallie Mae to recover the misapplied funds and apply them to the loan principal.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2022-07-22
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: PENTAGON FEDERAL CREDIT UNION (MN)

Penfed Credit Union Credit Card 1. in XX/XX/XXXX and asked for information to resolve purchases made fraudulently and requested lengthy series of personal information for nearly XXXX minutes over the phone.. When I followed up, other personnel did not recognize or seem to know who I talked with. 

2.People who said they were not directly associated with Penfed took additional info and alerted Penfed. 
3. Penfed seemed to resolve issue after lengthy interrogation ( XXXX ) and sent a new card and updated statement.The statement did not include a previous payment of {$100.00}. Date : XXXX XXXX XXXXWhen I called about incorrect statement another lengthy series of questions were asked including SSAN ( social security # ) in order to move previous payment from old account to new account. Previous payment was verbally recognized, but not in writing. 

5. Another call received XX/XX/XXXX from Penfed ( XXXX XXXX ) alerting me of another fraudulent purchased even though newcard has not been used, XXXX insisted I needed to provide SSAN in order to resolve issue for nearly 30 minutes. When I finally gave SSAN he claimed I had been rude and hung up. Issue not resolved.
Consumer complaint received 2021-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was offered a cash advance on my Bank of America credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted Bank of America and XXXX and received poor treatment and a total failure to explain why such a massive impact to my credit.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

It also states a consumer reporting agency can not furnish an account without my written instructions.