davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Every year that I request my info, I get denied because they " can't verify your identity '' and only after I file a complaint do I magically receive my info in the mail. If all the major credit reporting agencies can not verify my information, they should not be reporting anything about me. If they can not verify my info then factually they must be giving incorrect and fraudulent information to lending and creditor entities about me. 

This should be illegal to provide false information as fact when I have no say in how corporations take this data received from the credit bureaus. Also, how can I prove my identity if my identity is not enough? Everything they are doing is wrong, and it hurts me because now I don't have access to the information companies are scrutinizing about me.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022, I received 4 separate email notifications on my XXXX account regarding an attempt to create an Online Account with Bank of America. Thus far, Bank of America has not been responsive in addressing the fraud. The phone number in the email notifications leads to an automated voice service that requires account information, which I do not have, as I did not attempt to open an account with Bank of America.
Consumer complaint received 2022-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting act 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 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 2022-10-01
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: EQUIFAX, INC. (PA)

On XX/XX/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AZ)

I have identified 41 months of eligible employment between XX/XX/XXXX and XX/XX/XXXX that have not been credited to my Public Service Loan Forgiveness ( PSLF ) account. I am requesting a review and inclusion of these months towards my PSLF eligibility as it would bring my total qualified payments to XXXX, surpassing the XXXXpayment requirement. 


Additionally, my student loan repayment began in XXXX, and consistent payments have been made, meeting the 20-year payment threshold for Income-Driven Repayment ( IDR ) forgiveness. Can someone let me know why I have not received either IDR or PSLF cancellation of my student loan debt? 

These issues are the direct result of bad faith acting on the part of loan servicers. The PSLF waiver and IDR adjustment were the government 's way of acknowledging the unfair practices of the loan servicers and were supposed to compensate for the widespread malfeasance of these services. Yet I still have not been granted the counts that should allow me to finish my obligations and have my debt canceled. I've done my part to complete the 10 years of public service that the PSLF program required AND I've been paying for more than 20 years which the IDR program required, yet there is no relief. Just more bad acting on the part of the new loan servicer. It is impossible to navigate this system, more qualifiers come out each week on the student aid site and yet I can not manage to get free of this spiderweb.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

So I was On the market looking for a house. Sadly I fell for one of those scams where I saw the house was listed at a good price and the landlord isnt who they say they are. On XX/XX/2022 I fell for the scam and sent my landlord {$1000.00} from my saving account to secure a security deposit. The next day I seen that the email enrolled on XXXX was unenrolled so thats when I knew something was up. I called my bank and told them the situation I was in, they later said they would do a claim but it turns out they cant do anything because I verified the amount but before hand, I was going to verify the amount I asked the my banker if I could get reimbursed if this because a scam so I said yes verify the transaction. Later to find out it was a scam and im not being reimbursed after calling right after
Consumer complaint received 2024-11-08
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (ME)

I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.
Consumer complaint received 2022-10-01
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: KEYSTONE EQUIPMENT FINANCE CORP. (GA)

On XX/XX/2022, I received an alert of a hard inquiry pull on my credit report from Keystone Equipment Finance Corp . I called the company number, and I spoke to their XXXX XXXX, XXXX XXXX, who notified me that my ex-husband reached out to them asking if he can apply for financing for a truck for his logistics business. Previously, when we were married, my ex-husband financed a truck through the company and used me as a guarantor. He has since paid that truck off. General counsel explained to me that since the company had his previous application on file, they could expedite the financing process. The company nor my my ex-husband asked for my consent to be a guarantor again and ran my credit without my permission. Our divorce has been finalized since XX/XX/2022, so there should have been no reason for my name to be on this new application. Additionally, XXXX XXXX also informed me that my ex-husband forged my signature on the new application. I am requesting an investigation into this matter and the removal of this hard inquiry from my credit report. XXXX told me that he removed me as a guarantor on the new application and made a note in the file. I have also asked him several times for a copy of the application with my forged signature, which I have yet to receive.
Consumer complaint received 2022-10-01
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 (CA)

Wells fargo lost a class action lawsuit in which they opened accounts without consent of their clients. They continued the practice without letting their clients know. When asked about the fee they would just send a new debit card, but the fees would keep happening. This has been happening to me for 121 months. 

On around XX/XX/XXXX I called wells fargo to report a fraudulent transaction on my checking account and told the person that I see at least 8 of these fees happening once a month on every month. He said he took a more detailed look at it, and he found only 3 and that I would be reimbursed, the transactions will be blocked in the future, and they would send me a new debit card. Good enough for me but it does not stop here. 

On XX/XX/XXXX I notice the same fees happening every month and call again call again, I also tell the representative that this is the same thing I called about 10 months earlier. The person looked into the previous and was surprised that there was a record of the call but no notes on what happened and that was weird. They then opened a claim on this and sent me a new debit card. I smelled something fishy, so I looked at the statements myself. I finally deciphered the numbers and called the correct company that was making the charges, XXXX. They, inadvertently, were forthcoming with more information. This account was opened in XX/XX/XXXX and could have only been made in-front of a teller. They reimbursed me 16 transactions without my consent. 

Wells Fargo had opened an account without my consent or knowledge and slowly it was charging me under my nose. I changed debit cards multiple times in the 10 years of them applying this fraudulent charge but that did not make it stop. Losing a class lawsuit on this also did not make them stop. The only way it stopped is when I learned about it myself and researched the numbers in my statement. 

The Wells Fargo person who I first talked to in XX/XX/XXXX was lying about the fee and did not open an inquiry to resolve the issue. In XX/XX/XXXX a claim was opened but it was shuffled multiple times ( attached picture, ) they kept closing the claim and opening a new one. 

They finally sent me a notice stating that I opened this account, and they could only reimburse me for 60 days. Complete lies. The employees are deliberately continuing fraudulent actions at Wells Fargo and gave this a run around without using proper channels. They should be found and fired.
Consumer complaint received 2022-10-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the XXXX data breach and May have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I was a victim of a scam that cleared out XXXX $ from my bank account with Truist Bank. My personal computer was hacked and I was given a number to call because I was told my bank accounts were at risk of being hacked. I was told I was talking to a Truist bank member and they gave me directions to protect my money- a wire transfer that needed to be done at the branch. When I went to my local branch and told the banker - XXXX XXXX that I was told to wire money by a bank member she did not ask me any questions. Later that evening I was told I was victim to a scam when I told my parents what happened. The next morning - when the bank opened I was there waiting to make the recall- XXXX XXXX was the banker again. I asked why she didn't ask any security questions or questions about possible fraud or scam she laughed and said even though she was trained to do that she does not. She made the recall- in the paper work I have she posted the recall for XX/XX/XXXX. I called later to speak with her about why this was being made so late and was told she was no longer with the bank- however she was the one supposed to be receiving email notifications about my recall and let me know what was going on. I don't think the bank ever intended to contact me about this change- I had to call repeatedly until I finally spoke with XXXX and she confirmed the late recall date and I asked why the wait and she could not give me an answer. I noticed a wire transfer fee on my statement- I called and asked what this was for - and the person I talked to said all of that should have been explained to me along with being asked questions when I made the wire- nothing was explained to me and no questions were asked. I have never made a wire transfer before. Over the next several weeks and leading to months I have gotten the run around from every person I have talked to - often they can't tell me anything for find my case. Many banks have holds on first time wires out of accounts or holds on wires with red flags such an account that is only used for deposits. Wire recalls made within 24 hours have a high success rate of being returned but my wire was not recalled. I have many concerns about the security of Truist and have read many stories about the frauds and scams being run through their bank because of the lack of security. So far I still have not heard back from Truist, I keep getting told they will look into things for me.
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX Central Portfolio Control purchased an old debt from XXXX Bank and is confirming the debt without sending any paperwork. They are using the date the debt was purchased at the origination date of the credit card opened date - inaccurate. Every time I ask for debt validation XXXX snd XXXX XXXX the debt. 
The balance is incorrect and are reporting as a collection monthly.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, I have made late payments before with the following companies below : - Capital One ( Vehicle Loan ) - XXXX  XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX  ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With Capital One, the full Vehicle Loan was to be paid within 6 years. I have paid it full, 2-3 years early ( XX/XX/2022 ). 

With XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (MN)

In XX/XX/XXXX I was going through a horrific divorce where by advise for my safety from attorneys was told to leave home till he is served XXXX. Two days prior he cut me off all bank accounts had no money etc, called Wells Fargo XXXX XXXX  Branch. to tell them whats happening and want to make it right. Meanwhile they refused to work with me said sorry going into collections. Beginning of XX/XX/XXXX received a letter from them stating they would forward this onto attorneys if I dont respond by XX/XX/XXXX. I called XX/XX/XXXX spoke with a lady told her story she confirmed all true and said I have every intention paying but want to come to an agreement and refuse to pay interest sense I did try to work this out to never get here prior. She assured me wouldnt be forwarded onto attorneys. Asked her next step she said she had to forward I got onto collection too see if they accept your terms and work out a repayment plan and we will get back to you. On XX/XX/XXXX and until than heard back nothing from them and there was XXXX notice via mail, phone, Text, email that they even came to an agreement to begin with nor that they would debit {$13000.00} on that date out of my account. I was NEVER notified again of either an agreement made nor they would remove on their own money from my account. Even made them very aware of real life crisis way before I was late way back on any payments and refused to work with me. Demand my full amount back in my account asap as had to cancel large payments already planned and prepaid as they never notified me as well as asked how to repay as I have a couple of accounts. That is fraud!!!
Consumer complaint received 2022-10-01
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 (CA)

On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. 
On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. 
On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

$ XXXX money transfer ( ACH ) was meant to be sent to my own XXXX account, however, it was incorrectly sent to someone else 's XXXX account on XX/XX/year>. I found out on XX/XX/XXXX and called BOA. I also went to BOA 's local branch to ask them if they could fix the error and recover the funds. However, they refused to do it or share with me where the money was sent. XXXX told me that I just need to submit the XXXX recipient account #, and then they can recover it for me ASAP. However, BOA refused to share with me the recipient 's account #, although that account # was input by me. I have always relied on the bank to store my personal finance information I provided and used it to send bills and payments. In all my other banks, I can see the recipient account number and make sure I am sending it to the right party. However, on BOA, they hide the full number and make it impossible to verify the recipient. I was not able to tell who the $ XXXX was sent, although BOA employees can see it, told me that they can see it, but can not tell me the account information I input before. From XXXX XXXX, I have the right to request the information I shared with BOA. However, BOA ignores my requests again and again ( 10+ times ), and always closes my complain to them without notifying me. I have to call them again and again to follow up on what has happened.
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

This credit card was paid years ago and I spoke to the agent about having it deleted because they did not give me information of where I could use the credit card. This is an in store credit card that can only be used inside the store and at the time I had no knowledge of this information. I also paid of this card and went in store and cleared that it would be deleted off my credit report and it still shows open account and I really would like this account to be deleted off my credit report.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX did a hard inquiry on my credit report on XX/XX/. It appears someone used my information to attempt to open some sort of account. I do not have an account with XXXX and i would like evidence from this company to prove that my information was used. Proof of photo id, and I would also like to know how XXXX got my social security number. This is frightening as I also have a consumer fraud alert on my credit report.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express did not send us a monthly bill and as a result we incurred late fees. When cancelling the card as a result, they made calculation errors which resulted in further fees for me, and they disputed that my annual fee should be refunded. I had to call four times to try to get a resolution and despite having a copy of the recorded call, they would not let me have a copy to prove that their employee had erred and my annual fee should be returned.