davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (NY)

Equifax, despite being warned months before, did not keep their security up to reasonable standards and my information was accessed by an unauthorized third party. Rather than notify me directly, I had to see it in the news and do my own research to find out that I was indeed affected.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have had a Wells Fargo account for a few years now. In the last year I have noticed what I feel to be an intentional holding of debits or online payments until there was no money in my account to clear my debit charges causing abundant overdraft charges to my account. I have disputed with Wells Fargo and granted, they did partially refund 9 of the charges in the last year but I feel that they held on to some charges until I had no funds to clear. This lead to us not having ANY money in our accounts some weeks after my husband getting paid because his whole check would be gone. I have pulled 12 months and realized that a total of {$3600.00} are in Overdraft fees alone! I have tried to work this out with the bank and all I get is their generic " overseas '' response like they 're reading off a scripts and I feel really ripped off. They should have just changed our account to not be able to overdraft or something ... I am a mother and a grandmother, I have school age children and 1 in college, I can not afford to be treated in this manner..
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

I was married. In XX/XX/XXXX when myself and my ex-husband both got loans for XXXX school. Due to the amount of the payments, we were approached to consolidate. The form that was issued is no longer in use due to lawsuit issues. It was written in a way that tied us both to the loan despite future situations. The loan at the time was $ XXXX. In XX/XX/XXXX My ex-husband and I were divorced. It was written in our divorce papers the split-out of our finances. I continued to make my payments and did not know my ex was not making his. There was no communication from the Financial company. I only found out because I called the FC and requested tax info and was told they were sending me to collections. This occurred a couple of times. I attempted to make my payments, but was told I could do that, but it would n't count unless I covered his payments as well. I explained our divorce decree and was told it did n't matter. In XX/XX/XXXX my ex died. I went to the FC and explained the situation. They told me I was still responsible for the loan. At that time, the loan amount, due to deferments created by my ex, the total was $ XXXX. I was responsible for $ XXXX/mo. I have been paying on this loan monthly for years. I am currently unemployed and can not make the payments. I was denied a deferment due to my ex 's deferments years before. I went online to see what my options are. I contacted the XXXX XXXX XXXX and was told that the FC should have re-evaluated the loan when I reported my ex deceased. They checked their records and verified nothing had been done. I was told to go past the CSR and request a supervisor. I contacted the FC again and was able to speak with a manager. I was told that I had to submit a death certificate and they would review it. I told the manager that I had not been given that information years before when I had called for help. I was told, XXXX for that. Since this joint loan was signed in XX/XX/XXXX, I have paid approx. $ 82k and approx. $ 1k in fees due to insufficient payments that I was not aware my ex was not paying. My ex paid approx. 9k before he died. The FC states there is still $ XXXX left on the loan to be paid. The way the FC handled this on the numerous occasions I contacted them for help, was in-excusable. The lack of concern and compassion is appalling. Because people did n't care enough to do their job, to take the time to communicate with their clients, I paid $ XXXX past the death of my ex-husband.
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

I received a phone call and voicemail at XXXX XXXX Central Time from ( XXXX ) XXXX. The message was from Creditors Bureau Associates in XXXX, Georgia. When I returned the call, XXXX answered, requested my phone number, asked me to verify my first and last name, once I verified, she then requested my Date of Birth to verify my identity. I stated that I was not comfortable providing personally identifiable information over the phone to include date of birth or social security number for a call or service I did not initiate. She stated she could not provide information regarding the debt without me verifying my identity or it would be a violation of HIPAA laws. I am not aware of any outstanding bill or debt to any company, service or healthcare provider prior to receiving this call. I intend to file complaint to the company that forwarded my information to debt collections without contacting me first once I learn what company initiated it.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX  - XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-10
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. (TX)

On XXXX/XXXX/XXXX i had requested my credit report from Experian and XXXX along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is  using the same id # under different companies. The company name XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX they are sharing the same ID # with XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again Credco/XXXXXXXX XXXX which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am XXXX and have XXXX XXXX who can help me know that i have this problem on my credit report i do not understand
Consumer complaint received 2017-10-12
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. (NC)

On today, XXXX/XXXX/2017 I applied for a loan with XXXX. I was denied the loan based on my credit score was too low. The credit score they reported based on Transunion credit Bureau was XXXX. My Transunion credit score is XXXX. I called prosper to ask why there was a discrepancy in the scores and they told me to call Transunion. I did. 

Transunion stated to me, not verbatim, but essentially, that when a lender runs a credit check they use a different model and that is why there is difference in the credit scores. So i then ask, does that mean the lender has the right to alter my credit score. She could not give me a definite answer as to why there was a discrepancy n my credit score. 

I then called XXXX back to inquire again, because no one is giving me an answer that sound legitimate. The stated to me, again not verbatim but essentially, they run a soft check not a hard check, that would go on my credit and us a different matrix and that is why i may be seeing different number. 

This still is not feasible. I could see the lender saying, o.k your credit score is too low for our criteria. We require XXXX and yours was XXXX. In addition to your score being to low you also had this this and this that goes against you getting the loan, but at no time should the credit score be altered from what the credit bureau is reporting. Correct?
If my credit score is XXXX given by Transunion then when a lender say they pulled my credit from transunion, it should still be XXXX, correct. 

Is it legal for a lender to alter you credit score or how does the credit bureau release a different score than what is documented on your credit report.
Consumer complaint received 2017-10-12
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: BARCLAYS BANK DELAWARE (PA)

Id like to make a complain about the XXXX XXXX. I paid XXXX dollars in one payment which covered the whole balance of the account only to see that the next day there was a XXXX dollars balance. I called to ask where that balance came from when I just paid the card in full and they claimed it was from a pending purchase plus 12 dollars of interest. The last purchases were on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX. I dont understand how those purchases were still pending when it had been 2 weeks since those purchases. Id like to get those 56 dollars back and keep the card closed. 

XXXX XXXX XXXX XXXX 23 {$23.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX XXXX for amount XXXX REWARDS 23 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XX/XX/XXXX XXXX XXXX XXXX 46 {$22.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX for amount XXXX REWARDS 46 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XXXX/XXXX/XXXX XXXX XXXX 25 {$25.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX for amount XXXX REWARDS 25 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2017-09-10
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. (TX)

On XXXX/XXXX/XXXX i had requested my credit report from XXXX and XXXX along with TransUnion to see what is on my report. I see unauthorized inquiry i never requested and XXXX is using the same id # under different companies. The company name XXXX Mortgage XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX they are sharing the same ID # with Confident XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX/XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. Cap XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (ID)

the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S. 
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one. 

Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven. 



P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the XXXX site and asked for a credit freeze. I could only get one if I  paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. XXXX  had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called XXXX and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with Transunion. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called Transunion, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.
Consumer complaint received 2017-09-10
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. (CA)

XX/XX/XXXX I tried repeatedly -- maybe 20 times -- to create a credit security freeze and to access my credit report at Experian.com. Their website often reported that their own links could not be found. Several processes did not work in a variety of ways : the security freeze process, the process to upload documentation, the registration process, the process to request a credit report. In short, NOTHING that I 've tried over several hours over the past 2 days worked as their website indicated it would. For an organization as large as Experian with as much impact it has over the lives of U.S. citizens, this seems to me to be gross negligence.  Indeed, I suspect they are deliberately not allowing security freezes in the wake of the XXXX hacking, solely to protect their own business interests. Having been responsible for a consumer website at a large financial institution, I can not believe that their technical staff could be this incompetent.
Consumer complaint received 2017-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I started receiving alerts on my Transunion credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : 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 2017-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (GA)

I received correspondence from Wells Fargo advising there was an error in how my loan payment was being calculated and they would update that and me on what my loan balance should be. This revealed Wells Fargo was estimating my loan payment based on a 20 year repayment term instead of the 25 years on my promissory note. The correspondence provided to me by Wells Fargo advised that any late fees incurred as a result of this incorrect payment that was required will be reversed. I contacted Wells Fargo regarding any deferment taken during this time if an allotment would be made. The customer service representative advised me it would not and did not let me speak to management as I requested. The representative advised they could not assume had the payment been lower I would have been able to make it and would not have used deferment, despite the fact that they are assuming the same for late fees. I do feel a portion of deferment should be allotted back to my account based on Wells Fargo 's negligence. I do not think it is fair to require I use the same deferment for an additional 5 years, particularly when Wells Fargo is making the assumption late fees should be waved because of their incorrect payment calculation.
Consumer complaint received 2017-10-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC (MO)

I have a problem with American Credit Acceptance reporting to all credit agencies that I owe them {$8000.00}. I finance a vehicle XXXX XXXX XXXX and because of financial difficulties due to XXXX of my wife and lost income, I informed American Credit Acceptance I could no longer keep up the payments and I would voluntary surrender the car back to them. They took the car back and they are still reporting I owe them {$8000.00}. The original amount of the loan that was financed by them was for {$7000.00}. I paid {$2000.00} cash down payment. 

I want them to show that I owe them nothing because they have the car in their possession and they are adding more money to this account every month. 

I feel they are trying to mess up my credit. I need your help in getting them to correct the damage they have already did thus far to my credit. 

Waiting for your reply, XXXX XXXX