davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act. violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681... Account Name... XXXX XXXXXXXX ... Account XXXX XXXX XXXX Account name.. XXXX XXXX  ... Account # XXXX ... Account Name... XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX ... Account Name... XXXX XXXX XXXX Account # XXXX XXXX Account Name... XXXX XXXX... Account # XXXX... 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2021-06-10
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-06-08
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

When I was XXXX years old and trying to figure out graduate loans, I contacted Navient ( previously known as Sallie Mae ) to gather information about my loan options. I was told that a private loan through Navient and the federal government is the same. I was then told that my interest rate could be lower than the federal government if I had my mother cosign. Unbeknownst to me and being that English is my mother 's second language, a private loan and a federal loan is the not the same. I have been unable to consolidate my private loan with my federal loan and therefore it does not count toward my public loan forgiveness. I was misled into my private loan and because of this my single mother has been unable to refinance her home for the last 10 years. Due to this mistake, I have also been paying almost double the amount in loan monthly payments for the last 10 years. I was only recently made aware that I could make a formal complaint and would have done so earlier should I have known.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I have the US Bank Cash+ Credit Card XXXX I have been not getting the Rewards Cash back as the company advertised. I fear there is likely intentional avoidance to prevent giving customers the correct amount of cash back. 

I have signed up for the correct categories on the US Bank signup page. I should to be getting 5 % cash back on TV, Internet , & Streaming Services on my credit card. There have been multiple instances where US Bank has refused to give my the 5 %, instead defaulting to 1 % for no reason. I have such obvious merchants that US Bank lists on their website as being supported : XXXX, XXXX, and XXXX XXXX XXXX that there is no reason I should be having any issues. 

There have been instances where XXXX XXXX  XXXX was given 1 % and 5 % cash back. This could not have happened since there was no change in billing and the information has come through the exact same. Additionally, I have never received 5 % cash back on XXXX or XXXX, only " qualifying '' for 1 % cash back for billing with two of the largest merchants in streaming. I pay my bills through them directly and should have absolutely no issues. 

US Bank claims may claim that these " discrepancies '' are because of codes that the merchant uses. If that is the case for XXXX, XXXX, and XXXX XXXX  XXXX then I am wondering if US Bank is defrauding thousands/millions of customers either intentionally or due to their faulty system. Again, I will repeat that these merchants are listed on the US Bank website directly when signing up for these cash back rewards. 

I am demanding that US Bank looks at each of my changes, adds to my rewards balance what I am owed, and then continues to categorize correctly indefinitely. I then demand that an independent consumer watchdog launches an investigation into US Bank 's fraudulent activity to ensure that they are not defrauding their customers with this obvious ploy to pay out less in credit card cash back rewards.
Consumer complaint received 2024-08-27
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. (AZ)

I provided information to credit bureau regarding fraudulent items being reported to my credit report and as the investigation process, items are being removed but later added back to my credit profiles. This process seems to be taking much longer with little insight into the results.
Consumer complaint received 2024-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (CA)

My mortgage was through loandepot until XX/XX/XXXX. The second portion of my property tax was due for the amount of XXXX, but was never paid by loandepot from my escrow account. In XXXX I inquired about my property taxes and was told they would investigate further and to not pay any taxes or penalties. My property has XXXX XXXX  because I am on a land lease. XXXX XXXX  is for the state body that owns the land, and this shows it being tax exempt, however, there is a second XXXX  that is for tax purposes. After calling multiple times, giving the appropriate XXXX, sending the tax statements, they continued to say I was exempt. Every week I would receive an email that says they were still investigating and that they would reach out, but that date continued to get pushed further until my loan was eventually handed over to XXXX. My escrow account was eventually refunded to me after loandepot performed an escrow analysis. Loandepot actually paid the first installment of the property tax in XXXX of XXXX. I eventually paid the taxes and penalties from my personal account because I did not want a lien placed on my home.
Consumer complaint received 2024-09-26
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: CONTRACT CALLERS INC (VA)

Yes, it was XXXX XXXX place in my name I explained the situation to the company which is a collection agency thats trying to resolve a over {$800.00} in my name so they request that I do a police report at the police station. They were supposed to send me the information through mail which recently I spoke to them and I have not yet receive anything, but is on my credit report and its not fair that I am going through this and is interrupting my credit report being approved and Im tired of keep going through this with the same company contract
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd (TX)

I have been in touch with Wise 's customer service since XX/XX/XXXX, XXXX and I could not be more unhappy with their app, website, customer service, and the fact that I have already lost {$100.00} and my wire is incomplete with a balance still due. 

First, I was stuck in some morbius loop of verifications across my computer, my phone, their website, their app for 24 hours to get my account set up. I was asked to enter the purpose of my transfer repeatedly. Each customer service agent asked the same questions as the last. 

I was not given a correct time estimate for my initial transfer from my bank to Wise. When I confirmed the amount I was transferring, I was told it would be a same day delivery. After I confirmed, it was changed to five business days. I would literally have gone to a bank branch to send this wire instead if I had known and avoided all of the below. Cancelling my transfer was not an option once the time estimate updated. By the time my transfer cleared, the exchange rate had changed, and I no longer had enough for my wire. I had to transfer more and pay another fee on Monday, XX/XX/year>. 

As far as I could tell, the wire was set up for XXXX XXXX with no fees listed until after confirmation. I was not able to access the USD in my account, so I converted my USD into XXXX  for a fee of {$15.00} - not shown before confirming my conversion - and then submitted my wire. 

The amount was then converted at least two more times with fees that I have no accounting of leading to my wire to a vendor being XXXXXXXX XXXX short on their end. Wise also deducted the wire fee from the amount I was trying to transfer instead of my account balance, so I was already short XXXX XXXX. My vendor has threatened to not honor their contract due to the invoice not being paid in full. 

At no point could I see the fees up front, and Wise 's customer service refuses to provide any accounting of the additional XXXXXXXX XXXX that is missing. This experience has been an expensive nightmare, and I am filing this same complaint with the FDIC, naming XXXX XXXXXXXX for suggesting your service, the Texas Attorney General, Financial Ombudsman, and more. 

I would like the XXXX XXXX refunded to my account or sent to the intended recipient of the wire.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

Square Inc. is holding {$870.00} of my funds for XXXX  days. 

They gave me no reason why they closed my account in the date of XX/XX/year>. 

The money in the amount of {$1500.00} was sent to me by the state of Michigan. I had access to the funds for XXXX weeks and used {$600.00} already. 

Randomly they closed my account and telling me I have to wait XXXX days to get my funds.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CA)

Navient student loans show as 90 days late from XXXX, XXXX, and XX/XX/2023. I have always been paying on time since beginning of the loan period, and I wish this to be removed from my credit reporting immediately. Thank you.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

All three credit reporting agencies claim that I have an account with XXXX, which I've never had an account with. In addition, there was an additional address ( XXXX XXXX XXXX, XXXX, GA XXXX ) that was not mine. They all took the address off my report, but would not delete the XXXX account. I filed a police report after my attempts to remove the XXXX account, but none of the three agencies will allow me to file an additional dispute with them. The XXXX account has been sent to collections and my credit score has taken a nose dive.
Consumer complaint received 2024-10-10
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. (CA)

XX/XX/year> I contacted Experian via CFPB portal complaint ( XXXX ) to notify the Experian and XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX ( XXXX ) was reporting inaccurate, incomplete, and outdated information on my credit report. I requested a re-investigation according to 15 U.S.C 1681i. Not only did Experian and XXXX XXXX XXXX XXXX fail to verify the reporting and/or update the report, they failed to remove the account from my credit report. 
XX/XX/year>. I received a response back from Experian regarding the mentioned account XXXX XXXX XXXX XXXX ( XXXX ). In Experian 's response they indicated that the account had been removed as a resolution. I pulled my recent report via XXXX XXXX and saw that the account still remained on my credit report and was still reporting inaccurate, incomplete, and outdated information. I contacted Experian via phone and the agent I spoke with refused to remove the account ; although, Experian had claimed to had removed per their response via CFPB portal complaint. ( Please see attachments ).
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-09-26
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2020-05-04
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NJ)

XX/XX/2020 TRIED LOGGING INTO ONLINE BANKING AT PNC COULD NOT GET ON. TRIED CALLING PNC BANK CUSTOMER SERVICE WAS ON HOLD THEN KEPT CUT OFF .CALLED BACK CAUSE DISCONNECTED 5X. FINALLY CALLED A BRANCH WAS TOLD THAT SINCE WE WERE OVERDRAWN FOR {$.00} FOR A PERIOD OF TIME THEY CLOSED OUR ACCOUNT WITHOUT GIVING US ANY NOTICE. ASKED FOR CORPORATE PHONE NUMBER WAS TOLD NOT AVAILABLE. GOOGLED FOR CORP NUMBER AND IT WAS DISCONNECTED. SINCE IT WAS CLOSED AND PURGED THEY SAID THEY CAN NOT REOPEN ACCOUNT, SO I CAN NOT GET IN TO DOWNLOAD FILES FOR TAXES AND ALL SAVED INFORMATION. I ALREADY HAVE THIS IN ESCALLATION WITH THEM WAITING FOR A CALL BACK.