davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
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. (CA)

I was made aware of an account on my credit report that is not mine. The reason I found out about this account is that I was at XXXX today XX/XX/19 trying to get a loan and I was told that I didn't get approved because there was an account reflecting badly on my credit history. I never opened that account nor do I have any relationship or affiliation to that company in any way. I never allowed anyone to open this account on my behalf nor did I ever benefit anything from this account. I did not take part in any transactions that were made with this account and I have already filed a police report in hopes of getting this resolved.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (MD)

Had a hotel and flights booked for a trip this summer but because of riots and a state of emergency declared by the president of that country, the flight was cancelled and the hotel refused to cancel ( which was their right ) however I was allowed a date change through the booking host and the hotel denied all requests and assistance. Given that there was no way to get assistance I reached out to Robinhood as my bank and gave them all my communication with the hotel indicating even the refusal ( under the terms of contract ) that they declined to adhere to. The response after a very lengthy " investigation '' was getting this response : " We are not responsible for the delivery, quality, safety, legality, or any other aspect of goods and services that you purchase from others with your Card. '' If they are not responsible to ensure that their customer 's aren't defrauded then they should not have the ability to operate as a bank or entrust customer funds to them.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 information is inaccurate.
Consumer complaint received 2023-10-24
Product: Credit 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 (NY)

On XX/XX/XXXX we purchased a pool for {$1200.00} using a Capital One Walmart credit card opened that same day. The pool was returned and we received three XXXX XXXXXXXX on XX/XX/XXXX in the amount of {$210.00} one on XX/XX/XXXX for {$530.00} and one on XX/XX/XXXX in the amount of {$210.00} for a total credit of {$970.00}. Walmart is saying that's the full refund and we have called and talked to numerous people all who say different things. We then disputed the amount of the refund directly with Capital One who is saying we haven't proven our case even though all the numbers are right on the statements. We returned this pool and yet we are not be given our full refund owed.I am beyond frustrated that a company can do this.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/XXXX, an unknown party attempted to deposit a fraudulent check into my companies business checking account with Wells Fargo Bank. The unauthorized transaction was {$78000.00}. Upon being contacted by Wells Fargo Fraud Department, I made two trips to the bank and spoke with XXXX, Alaska branch manager XXXX XXXX. 

We provided documented proof by emails, that neither myself nor any authorized representative was asked to deposit this check. 

Wells Fargo did not attempt to research this issue, they also refused to disclose who deposited the check, and where it was done. 

Instead of research the issue, Wells Fargo closed our business account for " business reasons '' causing financial damage to our company. 

I also filed a fraud report with the FTC, FTC report number XXXX.
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX at around midnight I participated in online gambling via XXXX XXXX and XXXX app. I won and requested a transfer of {$200.00} into my account. When I woke up on XX/XX/XXXX at XXXX I checked my account and the funds had been successfully transferred into my Wells Fargo account. I used my card throughout the day with no issues. On XX/XX/XXXX I got an email that my account was overdrawn. I checked my account and the {$200.00} had been removed. I contacted my bank who told me they had no trace of the deposit and XXXX XXXX and XXXX canceled the deposit. I contacted XXXX XXXX and XXXX and they sent me documentation showing it was approved on their end and closed out. They stated they do not have the option to cancel transactions after they are processed. I called Wells Fargo again and they said there was nothing for them to do or investigate. {$200.00} of my money is missing and neither company is trying to help me. I had to borrow money to make my account current and that is not fair because I had money. Fraud is taking place and I need help.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am submitting this follow-up complaint to ensure that, within the 15-day period, my credit reports will be updated, and the following accounts will be thoroughly removed from my credit history. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are required to remove and block any items listed on an identity theft report : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00}
Consumer complaint received 2019-11-16
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. (OH)

i had a car finance with ( XXXX XXXX XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,
Consumer complaint received 2019-11-16
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I don't know who this company is. I can't dispute or try to attempt to fix something i don't know who these people are. Also, the amount is for {$590.00} for the dates of XXXX XXXX. I have had my identity stolen so i can't trust this at all.
Consumer complaint received 2019-11-16
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: Experian Information Solutions Inc. (MS)

My complaint is about the statements and terminology used in Experian 's credit report. This is misleading and inaccurate and does not give the consumer actionable information and appears arbitrary. 
My score fluctuates between XXXX and XXXX or so. On the screen where you can read what is hurting your score, it says " Short Account History. '' I have attached a screenshot of the screen. I am XXXX years old. I  do not have a short credit history. I do have a relatively new card opened about a year and a half ago and a new mortgage. BUT, the definition reads " People with longer credit histories who INFREQUENTLY open new accounts generally pose less risk to lenders. In YOUR case, the age of your oldest account and/or the average age of your accounts is RELATIVELY NEW. '' Yet my oldest account is XXXX years old!!!!!
Consumer complaint received 2019-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

I have sent in my mortgage payments and Home Point is returning them. They first told me to send a check which I did. Then they returned it. Then they told me to XXXX XXXX it which I did. They returned it once again now stating I have to pay 2 complete months. Now I am 3 months behind and they will not accept anything other than 3 full months and need it by next week. They will not work with me at all. I spoke to a HUD office and they told me they should be accepting at least one payment so that I do not fall behind. I feel like they are doing this so they can keep adding fees to my account.
Consumer complaint received 2019-11-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I've been trying to fix this problem with the credit bureaus and sent them a dispute letter to delete an account that is not reporting correctly. 

This account has been paid in full and I want it removed from my report. Somehow they still haven't deleted it.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from Gurstel Law Firm, I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

I have been in USA two times as XXXX XXXX ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXX.During first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.Second trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within credit bureaus. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months, I found out information about credit reports/score/credit history. I log in to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint is about Citi bank account ending XXXX which was open ( according to XXXX credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ ( XXXX ). I have never applied for XXXX XXXX XXXX XXXX XXXX received and never use ANY of CITI credit cards. I physically lived in XXXX-it 's no way for me to used this card.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXXXXXX XXXX XXXX was included in my bankruptcy, XXXX # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (TN)

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 2019-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (GA)

My name is XXXX XXXX. I had my IRS Tax Return direct deposited on a prepaid card who is insured through the FDIC and issued through The XXXX XXXX  called Card.com last year in XX/XX/XXXX. I lost my card and was never able to obtain another one or ever use any of my money. In XX/XX/XXXX after sending them all the proper identification documents, the company locked my account and did not return me my money instead requesting a letter of identification from the IRS in order to return my money back to the IRS. I've spoken with the IRS /US Department of Treasury and they do not send those letters out to anyone and told me that whatever bank I used is a scam and advised me to hire an attorney. Well its been almost a year and I gave up on getting my {$6000.00} back because i dont have the money to hire an attorney but thought this bank is insured by the FDIC and is never going to give me my money so I'm trying to tell anyone I can about this company and try to get any kind of help or advise on this. My name is XXXX XXXX birth date XX/XX/XXXX and my telephone number is XXXX. You can email me back on this email as well. Thank you.
Consumer complaint received 2019-04-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dyck-O'Neal, Inc. (TX)

My complaint is on Dyck-O-'Neal Inc. This company is a private debt collector who is suing me on a Time-Barred debt ( promissory note ) for XXXX ( original debt was XXXX ). XXXX XXXX XXXX XXXX aka XXXX XXXX owned property : XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ON XX/XX/XXXX by Civil Suit case number XXXX 150th court room. I should not be held legally or responsible for a Time-barred debt on a promissory note from XXXX which XXXX XXXX was the original Holder payments was made to XXXX mortgage company ( XXXX recession ). I never had a legal bonding contract with Dyck-O-'Neal or agree to pay on a Time-Barred debt due to Staute of Limitations and XXXX XXXX took ownership 9 years ago of that property. The Justice System and Dyck-O-'Neal should dismiss Summary Judgment and Writ of Execution due to DATA THEFT. Dyck-O-'Neal was not the original holder of promissory note and contract.
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (TX)

Completed a merchant financing application on XX/XX/XXXX for a new Amex Merchant Financing loan ( have had 4 prior loans, all paid off early, and all with perfect payment history ), and received an instant decline with the representative. Was told that they were unable to see any details, and that I would need to wait for a decision letter that could take up to 30 days to receive. When the decision letter was received, it stated that : 1. There has been a decline in your Merchant account 's last 12 months of Amex Transactions compared to the previous 12 months. ( our records indicate that there may be a decline by no more than {$2000.00} however the Amex manager states that what they see is close to 30k less. She states that since it is a computer based decision, they can not request our documents to show that they are not providing me with all of the accurate information ) 2. Your Merchant account does not have sufficient tenure with American Express. ( We have been members since XXXX, and this has not been an issue with prior loans ) 3. Your Merchant account does not have sufficient American Express charge volume. ( As stated above, numbers are not significantly lower, and we have been with Amex for close to 8 years ) The lack of response from Amex other than that a computer made the decision without allowing a chance for correction of false information is incredibly disturbing.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

For a Bank of America CLOSED credit card - I was unaware that I had a remaining balance due. In XX/XX/2019 i thought I had paid my LAST payment of {$55.00}. In XXXX i received NO statement, no phone call from Bank of America alerting me to the fact that there was {$43.00} still open. It was not until I received an alert in my creit file on Tuesday XX/XX/XXXX that the remaining balance was open and past due. I went ahead and paid this balance immeidately. However, no sooner did that get accomplished di I receive an email from XXXX  informing me that my credit score dropped 46 points!