davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (UT)

We opened a fraud claim with US bank because someone cloned our debit card and used it to withdraw over XXXX dollars from multiple ATM 's we also opened an investigation with our local police department to get the footage from ATM 's so Whoever is responsible is charged accordingly. After providing this information to US bank, our claim was denied for what they said was because of " our spending patterns '' it was assumed we had done the withdrawals, when in-fact, we have never withdrawn money from the ATM over and over like the person who had fraudulently done this over a three day period. Dates involved- XX/XX/year> thru XX/XX/year>. Our debit card was used at multiple ATM 's 14 times to withdraw the same amount of XXXX dollars. After contacting the bank and sending them a copy of our police report, our claim is still inactive and we are getting zero updates from the bank unless we call ourselves. We feel that our bank has not helped us resolve this matter in any way. We have bills to pay, kids to feed, and medical expenses that we are unable to pay. We are very unhappy with the care and service this bank has provided us at this time.
Consumer complaint received 2022-09-21
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

During the XXXX  security breach, I froze my credit reports at all 3 major agencies XXXX, XXXX  and Experian. Now, I am trying to secure a mortgage and i have been able to lift the security freeze at XXXX  and XXXX. 

However, Experian has made it excessively difficult to remove the freeze. I have tried to do so on-line and I have repeatedly tried to call them but can't get past their automated system. It is supposed to require only a phone call to lift a security freeze.
Consumer complaint received 2024-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I have provided proof of insurance to Shellpoint. However, they demand that I provide proof on a yearly basis and then act as if I did not provide them with the information and insist on purchasing an insurance policy through one of their vendors ( whom I am sure they receive a kickback from ) DESPITE the fact that the property is adequately insured. This has happened again in XXXX, just as it has in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not a coincidence, but a pattern and practice on Shellpoint 's part.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022, 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 XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (WA)

I applied for a credit line increase with Navy Federal for my XXXX card. I was denied an increase based on a credit report PRIOR to my application. I notified Navy Federal that the report they are using is inaccurate. I requested they pull a current report to be able to properly evaluate my credit. They have refused stating they can decide what report they want to use. The current report will show at least a 40 point increase as well as credit utilization of 9 %.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 
I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (PA)

Afni has reported that I owe XXXX dollars and have missed multiple payments over the past 2 years. I was never advised of this debt and never given the opportunity to resolve the debt. I never gave consent for this to be reported on my credit report as stated by law of fair credit report act
Consumer complaint received 2023-09-17
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: EQUIFAX, INC. (FL)

This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a XXXX XXXX and a debt removal form earlier this year.
Consumer complaint received 2022-07-22
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

XX/XX/2021 I contacted Comenity Bank and proposed a settlement of XXXX to pay off my account. The woman I spoke with refused that amount and stated XXXX would be acceptable but only if I paid immediately.I requested an email stating the terms and outlining that the account would be settled in full. The Comenity Bank representative became angry and combative. She refused to either confirm a settlement in writing or transfer me to a supervisor. She yelled at me told me Comenity was a Bank and that she would mark our conversation as my refusal to pay. She then hung up on me. Yesterday I found out that Comenity bank called my adult XXXX year old daughter at her home and discussed my debt.My daughter is neither a cosignor or guardian of my finances and has never been used as a reference. We are estranged and have not lived together in over 30 years. This contact of my daughter is the issue. Is this negotiations by intimidation and harassment? The bank representative told my daughter they had 2 more people to contact. This is a threat that could result in my loss of employment and certian embarrassment because I have no other relatives so this would be reaching to strangers unknown to me.
Consumer complaint received 2022-09-12
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: Resurgent Capital Services L.P. (MI)

B

ased On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to have this issue settled several times, Ive submitted several disputes and this has not been handled properly, I will be forced to sue if my request is not listened to. This company reported that this information was provide by XXXX XXXX and was verified. Per my attachment, that is not possible due to my consumer profile being frozen. This is a direct violation of my rights! 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX XXXX XXXX  as is reported as having a bankruptcy on my credit report : XXXX BANKRUPTCY XXXX- XXXX I am demanding that this account be Deleted. 

You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of this alleged bankruptcy. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report.
Consumer complaint received 2024-08-30
Product: Credit card — Store credit 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 (CA)

I applied recently for an apartment as I have been at my current residence for XXXX and XXXX years. When the credit portion came back it shows that I have over XXXX inquiries in my name in the last 2 years. A few accounts that were opened in my name in a different city. Immediately finding this out yesterday I went to all the bureaus and sites and I put fraud alerts as well as freezing my credit on all bureaus and making a police report on the fraudulently opened accounts in my name. 
The account mentioned above that was fraudulently opened in my name : XXXX : XXXX XXXX XXXX XXXX is {$440.00}. Original account was opened on XX/XX/XXXX. Credit profile shows reported date is XX/XX/XXXX. As of XX/XX/XXXX it became delinquent. 

I also reached out to the creditor an since nothing has happened. This is definitely damaging my credit because I do not have much credit as I had identity theft in the past 10 years. I would love this to be removed so I can apply for an apartment thank you.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Was scammed into wire transferring money to a friend who was part of a investment scam. He had a XXXX XXXX and then was walked through an investment scam and sent money to my supposed investment account and was walked through trading on a platform that I came to find out was not real. 

I have contacted wells fargo and have tried XXXX support and can not get anywhere. 

I reported the fraud site to the XXXX  and still have not heard anything. 

It is a large amount of money XXXX and it seems nobody can help. 


I have transfers and accounts that money went to. 

XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$1000.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Account # {$50000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Rfb # XXXX to Account # {$25000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number XXXX Transfer Account # XXXX XX/XX/2022 From XXXX XXXX XXXX Account # XXXX Wire XXXX to Wells Fargo Account # XXXX XX/XX/2022 From XXXX XXXX  XXXX Account # XXXX Wire XXXX to Wells Fargo Account # {$46000.00} Total of {$170000.00} Money was a Loan and was supposed to be used for a project that was awarded. 
I was told by him that his account was compromised and that he had been hacked and lost all the funds. 
I questioned if he had called Wells Fargo fraud department. He said he had and that is all the info I got. 
Why didnt Wells Fargo stop the Fraud and why did they let that amount of money get transferred to his account and why did they let it move to some other account other then a legit Company that supplied building materials. 
This was a loan and was supposed to be returned in 6 months. 









Please help!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1800.00} XXXX XXXX XXXX # XXXX DATE OPENED XXXX BALANCE {$6000.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$410.00}
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I am having significant problems with Bread Financial/Comenity Bank XXXX I have been trying for about XXXX weeks now to make payments on my XXXX Credit Card and XXXX XXXX cards. They keep saying online that you can make payments by XXXX XXXX or by phone. Neither are working. I can't reach anyone on the phone and since the XXXX account was always online ( I never got a credit card ) I can't even go to a physical store to try to make payment. They " say '' no fees will be charged but that is not what I am hearing from other consumers who are getting charged additional interest, late fees and credit reports due to this outage. No indication of when services will be restored so payments can be made again. On My XXXX card which has a balance, they keep telling me that either there is a " glitch '' or that the account is closed and on the XXXX card that there is a " glitch ''. I can not reach XXXX person on the phone either!!
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a XXXX XXXX  and XXXX XXXX My father died in XXXX and I missed a payment for which I was led to believe an auto pay had been set. Unfortunately, no email and mailed notifications were sent to me about the payment not being processed. 

I reached out to kohls with a request to remove the late payment but to no avail. 
I even disputed this item and nothing happened. 
Ive included my XXXX XXXX which you can look up at the XXXX XXXX XXXX XXXX XXXX 
Ive also included my fathers obituary. 

I've had an excellent payment history, I've always paid on time. I think we can continue to have good relations. 

Im requesting that the late payment for XX/XX/XXXX be removed from my credit report This is my account : Capital One /Kohl . Ac # XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account status : Open Balance : {$0.00}
Consumer complaint received 2022-07-22
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that XXXX XXXX continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXX card that gave me an unsecured card and increased my limit three times in one year. Why does capital one refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.