davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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. (OH)

I had this account is outside of the statute of limitations under the fair debt collections practices act and i wanted this account deleted from my experian credit report due to very harmful negligence by XXXX XXXX XXXX. I once had a checking account with them in which the banking officer XXXX XXXX had setup the secured loans payment to come directly out of my checking account for for some strange reasons in the banking system it did not take the money out of the account by which my direct deposited of social security for the XXXX would have taken care of the secured loan that i had with them in order to establish payment history. I have had terrible service with them on this issue and resolving this issue with them. I was told that their systems did not recognize my account by which the payments was to come from and it was not their fault the banker assured me of the payment and in the ledger the four month was called a system error by the electronics funds transfers act the bank blamed it on me fir their negligence. I removed my funds from their bank and i had to suffer with this derogatory 4 so called missed payments because their systems XXXX  up and when i called them to speak to XXXX XXXX the branch manager they did not even consult her because she did not work there anymore. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Secured Loan Balance Loan Amount {$0.00}
Consumer complaint received 2022-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Hello - We currently show 2 Liens on our Property.

1 for - {$81000.00} 1 for - {$1700.00} HUD will not send us 2 separate Pay-Off Statement Letters.

We have made several attempts to request 2 separate letters be sent to us so that we can pay at least the {$1700.00} to get the Lien Removed and showed as Paid asap.

If it shows as 2 separate Liens, we should have them available as 2 separate letters.

Please assistant us with retrieving the 2 separate letters, as soon as you can. 

Thank you in advance for your prompt attention to our request.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting incorrectly that I am an authorized user on the XXXXXXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  and XXXX  have removed this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (FL)

In early XXXX I applied for a new Mastercard Perks for BJs Wholesale that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my XXXX   report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the Comenity Bank and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at BJs grand opening at which their district manager gave me a gift card for the hassle ( so BJs know about this ). I got the card in early XXXX. I reached out to XXXX  by email and explained to them, who you would think would know better, that they told Comenity I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.
Consumer complaint received 2024-08-14
Product: Credit reporting 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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-05-13
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. (GA)

On XX/XX/2020 I filed several disputes with Experian using the online disputes portal. On of those disputes included an account known as XXXX XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided Experian a letter which stated that XXXX XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my XXXX Account. On XX/XX/2020, I received an email from the Experian Dispute Department which stated that based on the documents I submitted with my dispute # XXXX, an Experian Dispute Specialist modified the account information. When I logged into my Experian account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX told me to contact Experian to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore Experian is initiating disputes that I did not request.
Consumer complaint received 2020-05-13
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 (WA)

Dear CFPB, I have submitted dispute for one of the inaccurate accounts on my credit reports. I did request all the information about account and XXXX hasnt provided them to me. I want them to provide all information as a proof that account is mine.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

I had only used this card on time - never missed a payment - needed a bed for my grand daughter and went to the store to find out that the Sychrony had closed my account. when I called they said the decided to close it and sent out a letter - which I have not received yet. 
I have done nothing wrong - I have paid on time and then they do this just to be XXXX  during this Corona Virus when I need it most. 
THEN - I call customer service to ask why they did this to me at this time - she put me on hold for 18 minutes and then hung up on me.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-05-13
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. (OH)

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-13
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 (PA)

I have attempted many times to get a charge removed permanently from my credit card. They refuse to assist me with the process. Sending me letters after the fact. I am the card holder but the refuse to work with me. I know I have rights - the right to be informed in the process and the right to refute findings. Not so. All they want is my money. The charge is bogus and I have made numerous attempts to contact them and they still have not called me back - not once has someone called to mediate this dispute. They send letters with dates that have already expired - none of them signature required. Why can't they take the charge off the card.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collins Asset Group, LLC (OH)

On XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my XXXX report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY ()

I am an American living abroad in XXXX. I am XXXX years old. I have been here for 7 years. I am a veteran and living on XXXX due to a XXXX XXXX XXXX I suffered in XXXX. I am a XXXX XXXX XXXX from XXXX XXXX Ca. Wells Fargo is my bank. Oddities occurred on my account in XX/XX/2021, I called, cancelled and asked for replacement. Mind you I have been here a long time all of my transactions have been made here. I have a XXXX  phone with the Wells Fargo app. on my phone and I use my fingerprint to sign in into my account. In the past 4 cards have been issued to me in XXXX. ( 2 arrived ) the one I requested XXXX a XXXX this episode was sent to my US address even though it was clear I dont live there and it is NOT my mailing address which is quite clear and in the Wells Fargo app. on my biometric phone. Every single time I have had to get a new card from these people its been a nightmare, they are asking me random questions that thay got from public records on the internet. For example, they asked me if I ever lived on such and such street, which I did for maybe 3 months 26 years ago and the only reason I know that is that it was my ex wife 's place and she lived there for a decade. I know every password, user name, email address, code whatever associated with my account but random XXXX off the internet is the final level of authentication to get me my card when Im flat broke with my rent due and plenty of money in the bank. I have spoken to about 40 people ( many at international long distance prices ) and spent over 8 hours total on the phone this issue, eventually screaming at the idiosy of thier " process '' which is a joke. I just got off of the phone again with them and I have no choice now but to apply pressure from the outside. I need that card yesterday but I cant get anything accomplished on my own I hope you will help.
Consumer complaint received 2020-05-13
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)

I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH XXXX  XXXX XXXX. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO XXXX XXXX XXXX AND TO THE EXPERIAN BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2020-05-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA HAS FAILED TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$37.00} TO MY CREDIT CARD # ENDING IN XXXX The Original Purchase for merchandise was in the amount of {$42.00}, as per the attached receipt from XXXX dated XX/XX/2020. 

The {$37.00}, was the Amount for a Return of Merchandise per the attached receipt dated XX/XX/2020. 

{$42.00} Purchase {$37.00} Return {$5.00} amount of my liability of the purchase after the return. Posted XX/XX/2020 On XX/XX/2020, USAA, posted a credit in the amount of {$37.00} for my merchandise return. 

However, on XX/XX/2020, USAA reversed my credit in the amount of {$37.00}. 

The Issue Remains That the Proof of the Return and Refund by XXXX by the Attached Receipt Was Not Refund to My Account. 

I Am Still Due the Credit in the Amount of {$37.00}
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This has nothing to do with my Bank of America account. I has everything to do with the Bank of America account held by XXXX XXXX, the money mule for a scam fake investment company pretending to be the actual XXXX XXXX XXXX XXXX. The Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX has allowed this money mule to operate using its bank since at least XX/XX/2019 and my particular case, it allowed XXXX XXXX to steal a bit more than {$120000.00}. B of A has refused to provide its valid fax # or email address, so I resorting to contacting you along with other law enforcement agencies. Eventually, a subpoena might be necessary to open up this bank account, but at the moment, I am focusing on freezing the XXXX XXXX bank account, so that additional money does not disappear, so that I can possibly receive some of the money in that account. The police will look at the paper trail in future weeks. 

Here is what you will need : Account Name : XXXX XXXX, Account # XXXX XXXX XXXX, XXXX XXXX XXXX ; ABA/Routing Number : XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2019, I wrote to XXXX XXXX XXXX XXXX asking for proof of a late payment that they were reporting to all 3 credit bureaus. I have seen that they did indeed update my account to show current to XXXX and XXXX however, Experian is still showing late which is definitely incorrect and a discrepancy. I would like for the late payment to be removed from my credit report as reported to Experian immediately. The other two are reporting correctly.
Consumer complaint received 2020-05-13
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: BBVA FINANCIAL CORPORATION (FL)

My wife made a XXXX gift purchase on our account from a merchant named XXXX on XX/XX/XXXX. We received the clothing on XX/XX/XXXX. The size of the clothes were misrepresented ( the size on the label was nowhere near the actual size ) and, when given as a gift, did not fit the recipient. 

We tried to get an exchange/refund from the merchant, but they appear to be a dropshipper from XXXX and refused. 

We initiated a chargeback dispute ( # XXXX ) with our bank ( Simple ) on XX/XX/XXXX for two transactions - {$100.00} and {$1.00} ( which appears to be an ISA Fee charged by Visa related to the transaction since the merchant appears to be in XXXX ). We received a reply from Simple on XX/XX/XXXX stating that " per Visa rules, charges have to be reported within a certain time frame in order for us to attempt to successfully return the charge. '' That time frame was 120 days from the posted transaction date. I pointed out to them I initiated it at 114 days, not 120+ days. They apologized and stated they would investigate the disputed transactions. 

Shortly thereafter, COVID-19 hit. I was looking over my emails and bank statements, and noticed there hadn't been any updates. So I contacted Simple on XX/XX/XXXX asking about the status. They replied on XX/XX/XXXX stating " the dispute in question was reasserted and is still being investigated. '' Finally, on XX/XX/XXXX, I received a reply from Simple stating " we have no recourse as this charge was too close to the timeframe for it to be submitted to Visa and the investigation will remain the same. The dispute will remain denied and no funds will be applied for the disputed transactions ... We have no further recourse. '' I reached back out to Simple that same day because that excuse is unacceptable. Guidelines are in place for a reason - I met my requirements and I expect Simple/Visa to meet their requirements. Simple replied on XX/XX/XXXX stating " unfortunately the dispute denial will stand. Even though you reported the dispute before the 120 days, Visa was backed up and not able to get to it before their deadline expired. At this point the dispute is out of our hands and we will not be able to dispute it further. ''
Consumer complaint received 2020-05-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, USAA CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched XXXX  XX/XX/XXXX LETTER XXXX CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to XXXX 2 times & TO NO AVAIL?? ( How can a credit score on me from XXXX be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD XXXX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years old on limited income paralized hand XXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. XXXX XXXX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE XXXX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.