davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (LA)

I was a month ahead on my auto loan payments with US Bank, and I needed extra money this month, so I turned off autopay the week before the payment was due. Then they still withdrew the money 2 days late, which nearly overdrew my account, though they showed it as being timely in their system.
Consumer complaint received 2022-09-17
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 (NJ)

On XX/XX/XXXX I authorized a XXXX payment of {$800.00} to XXXX XXXX for purchase of a puppy on her website XXXX XXXX XXXX She received the funds and has never delivered the puppy. I did some investigating and the puppy I was trying to purchase is XXXX  famous. I contacted WellsFargo and they refuse to refund my money. Please help.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX and Equifax dropped my credit XXXX  points from a XXXX to a XXXX after I specifically reported a fraud happening on my account!! I pay my credit on time and even tried disputing this matter! XXXX then only lifted my score up to XXXX and Equifax is still XXXX I pay my card on time and was subjected to fraud the beginning of this year. I never requested for a card to be sent out for the authorized user on my account and the card was sent out to an address I no longer live at which resulted in it being stolen out the mail box and charged up {$500.00} Please give me a call for more details.
Consumer complaint received 2024-10-17
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. (AL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

I was shocked by a friend of mine, at first of how she said she made all this money through a XXXX  investor she met on XXXX so I contacted the investor to see if she could help me in investing with XXXX. So when I got in contact with her she went through some steps with me and guided me into XXXX XXXX and I did {$1000.00} in XXXX wlch is now permanently gone, and later on had me to go to this website called cryptotrustminers.com to withdraw money that I put in but I couldn't, it was a scam the whole time she kept asking for more and more money just to get a withdraw out but nothing received, I was so hurt so I contacted my bank fraud department to see what they could help with but even they failed me, so now I'm out of {$3500.00} truly sad, I got scammed out of {$1000.00} on XXXX and {$2500.00} through XXXX transfer to the fake XXXX investor I don't know who I can run to for this type of situation
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

On XX/XX/XXXX Cash App better known as SQUARE inc. 
Received an IRS check of {$1800.00} They refuse to return MY IRS refund. The check was deposited into a closed account which they advised me to close and open another. 
I forgot to change my deposit account number for my XXXX tax return. THEY DECIDED TI TAKE MY REFUND AS A PAYMENT ON A CLOSED ACCOUNT. Because they took it upon themselves and decided to find me guilty of fraud that was done on a closed account that was subject to fraud. State law says I am not responsible for money used from a credit or debit card that was stolen from me.
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I had a {$300.00} credit limit with XXXX XXXX. The police took a rental car from me during a raid on a house I was at XXXX day. There was nothing illegal in the car. Me and my attorney informed the airport what happened cause they didnt return the car like they said they were going to do. Then the credit card company allowed the airport to make a large purchase more than my credit limit. I believe it was around XXXX. I didnt pay the company so they passed the info to a collection agency and they were calling me. I informed them of the incident and put a dispute in but was denied. I asked how the company allowed a purchase to be made that was more than my limit. The company still calls me ( Portfolio )
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX account number : XXXX. This account is being reported illegally.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

XX/XX/XXXX I refinanced my loans with XXXX, a private company that refinances student loans. The total amount refinanced was around {$17000.00}. I made monthly payments over the past 2 years with interest to pay off this loan during the pandemic. 

XX/XX/XXXX After learning Biden-Harris Student Loan Forgiveness plan XXXX I immediately thought that it didn't affect me and I was already out of luck because I had refinanced my loan. That was until seeing this post on XXXX : XXXX  : XXXX. The original poster mentions that although the loan was refinanced, all that really happens when a loan is refinanced is a private company makes a payment on your behalf, the Federal loan still belongs to the student, and under the CARES Act, should be able to be refunded. The original poster also contacted XXXX and they have said that because their payment has details about who it is for, they can forward any refund request to the original lendee. 

After reading this I decided to call my Federal loan servicer, Great Lakes, and request a refund like many others were doing. There was no argument, they submitted the request and I thought everything was good. 

XX/XX/XXXX I call Great Lakes again to check the status of my refund. Unfortunately, the news that I receive is that the request had been denied about a week earlier, I think on the ninth. The reason for this I was given was " because the payment was made by a third party ''. 

I don't know why this would matter under the CARES Act, as the loan still belongs to me, not XXXX. Furthermore, some people are getting refunds sent to XXXX : https : XXXX. Why are some people being treated differently? 

Also, the process I am trying to take is what is being promoted by the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Metacorp LLC (CA)

This company has called me several times and also called all my family members to speak to them. The company is out of line in calling family members about a personal matter that DOES NOT have to do with them! The calls have been made several times to all family members and I have no notification about the debt in writing and they are harassing ALL family members by making several calls to them. They have called XXXX, XXXX, XXXX many times. I had to tell family to block their number. Meta Corp LLC out of XXXX, NY practices harassing phone calls. XXXX XXXX is a nasty person and when I spoke to her, I told her she has not right calling my family and she said she did and that she has all rights to try and collect this debt. 

This company practices unethical collection procedures and is verry harassing.
Consumer complaint received 2024-10-17
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. (MD)

My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

Names : 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 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 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  I looked at my credit report on ( Date ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to 15 USC 1681s-2 they are suppose to 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. Some of these accounts have no number and are just listed on my reports as XXXX 's. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Consumer complaint received 2024-10-17
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. (FL)

XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my report from XXXXXXXX XXXX XXXX and I have never stayed there or applied. I think this is XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports :
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SD)

XXXX later to become Navient held both federally insured student loans for my XXXX and XXXX. 

From approximately XX/XX/XXXX through XX/XX/XXXX I was involuntarily unemployed. XXXX advised I could go into forbearance and did not offer a hardship deferment as an option. The result was an exponential increase in my debt by accumulating interest charges. 

In about XX/XX/XXXX I consolidated all of my debt with the DOE to qualify for ICR repayment and later public service forgiveness. I spoke to the DOE Ombuds Office who said they understood the situation but could not do anything as the issue was with XXXX/Navient. They suggested I reach out to your office.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/22 I tried to use my USAA debit card but the payment was declined. I looked at my account info through the mobile app and it was account info unavailable which i thought could have been due to a system error. I checked again on the morning of XX/XX/22 and when it still said the same thing, I called and was informed that due to me not sending them requested documents that they were closing my account and started the process on XX/XX/22. I was only ever informed one time in late XXXX through a mailed letter and an email. I receive hundreds of emails a day and rarely go to my mailbox, so its very easy for me to miss a single letter. Yet USAA never reached out to call about the documents, which if they had I would have sent it to them on time, or to even tell me that my account was being closed. A representative informed me that the only way to resolve this issue is to open a new account with them. After this experience, I decided to no longer use their services as my trust in them is gone. If USAA would have properly communicated this with me, this issue would have never occurred. It is very unprofessional for a financial institution who services thousands of people to treat their customers this way.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have been having issues with opening several banks not having the ability to open an account after my bank sent a letter XX/XX/2022 stating my account would be closed on XX/XX/2022 however the account was closed XX/XX/2022. The bank lady where I tried to open the account states the XXXX XXXX for consumers had negative things and my risk factor to ope an account was over XXXX. When I spoke to fifth 3rd rep. He state my account was using XXXX too much however they didnt report. I also found out I am part of XXXX  data breach. My complaint is now I am unable to get certain credit and I want my identity back. There is something on XXXX XXXX stopping my credit.
Consumer complaint received 2022-08-26
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. (NJ)

I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Equifax and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove accounts and inquiries, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXXXXXX XXXX date opened XXXX, XXXXXXXX XXXX XXXX  date opened XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (OK)

My bank Moneylion was asked for a dispute help on 3 transactions that was taken money out of my account by a company called XXXXXXXX XXXX They sent me an email stating there was no error in this dispute and didn't credit my money back I have spoken with XXXX customer service they even stated the bank should have provided u with the money back. They even used my virtual card to take my money off my account. And I did not once authorize it. XXXX told me I would have to go file with the headquarters but I would have to go face to face. I can't do this I don't have the vehicle to drive to the companies head quarters to get this resolved. And when I filed na appeal with Moneylion hey wanted all this extra proof documents and such to provide to them for the team to even start na appeal on the wrong dispute action they gave me. What do I do this is not right. I don't have any documents besides the transaction history on my account which they already have access to it all. Ugh. It was 3 transactions and used my virtual card. I don't even use that thing.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have sent in multiple letters with my FTC identity theft report and Experian and XXXX have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 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 resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' Experian and XXXX have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit report?
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I XXXX XXXX XXXX disputed this debt XX/XX/2021 thru the credit bureaus. It came back noted it was valid and accurate. Around this same time XXXX XXXX XXXX noted me and my mother shouldn't be charged the over {$1900.00} listed but {$180.00}. This hasn't been reflected on XXXX, XXXX, or XXXX files. I am still in XXXX  and this has been detrimental to my quality of life. I want this correctly so I can pay this off and move on with my life. This has been a knife in my side for over 3 years.
Consumer complaint received 2022-09-17
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. (GA)

Trans union and XXXX dropped my credit 153 points from a XXXX to a XXXX after I specifically reported a fraud happening on my account!! I pay my credit on time and even tried disputing this matter! Transunion then only lifted my score up to XXXX and XXXX is still XXXX I pay my card on time and was subjected to fraud the beginning of this year. I never requested for a card to be sent out for the authorized user on my account and the card was sent out to an address I no longer live at which resulted in it being stolen out the mail box and charged up {$500.00} Please give me a call for more details.