davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2024 Consumer Financial Protection Bureau XXXX XX/XX/4503 Dear CFPB, Re : Complaint against TransUnion - Failure to Respond and Request for Deletion of Negative Items I am writing to file a complaint against TransUnion for failing to respond to my dispute letter and request that they delete all negative items on my credit report due to lack of proof. 

On XX/XX/2024 I submitted a dispute letter to TransUnion regarding inaccurate information on my credit report. They acknowledged my dispute on XX/XX/2024 and promised a response via mail within 7 business days. However, they have not responded. Since you can not provide evidence to support the reported information, I believe it is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to removed/delete these items I am requesting that the CFPB assist me in : 1. Obtaining a response from TransUnion regarding my dispute 2. Deleting all negative items on my credit report due to TransUnion 's inability to provide proof 3. Ensuring TransUnion complies with the Fair Credit Reporting Act ( FCRA ) Please investigate this matter and take appropriate action against TransUnion for their failure to respond and comply with the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-10
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: Experian Information Solutions Inc. (WI)

I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS
Consumer complaint received 2019-12-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had received a credit card from Bank of America that I did not apply for. In fact, my credit report with XXXX  was on freeze. Someone was using my information in order to obtain a credit card in my name. The credit card received is a Premium Rewards Card through BOA. When I opened my mail and saw the issue, I immediately contacted Bank of America in order to resolve the situation. I explained to the agent what had occurred along with my confusion since I had a credit freeze applied. The agent then responded by saying " You must not have a freeze on your account. '' I explained that I most definitely do have a freeze on my account and in fact I received a letter from XXXX XXXX about a platinum card that was declined due to the freeze. The XXXX XXXX platinum card was also another attempt at fraud, but apparently XXXX XXXX has better practices than Bank of America. The card issued from BOA was for a $ XXXX credit line and a {$6300.00} cash available. Over the phone the agent said they were cancelling out the card and reporting the issue. I do not think that goes far enough. I had asked how this could happen if my credit was on a freeze. The agent did not or did not want to provide an answer to my question. Instead they relied on a false assumption. I personally could not apply for a XXXX XXXX  XXXX CC in person without unfreezing my account. BOA needs to be held accountable for not using the proper steps to verify credit card application processes. If a consumer has taken the proper steps to ensure their protection, what's the use if the organization does not abide by those rules. This is a serious problem and needs to be addressed. I would like to know what steps BOA took and how a high-end/elite credit card with a large credit line could be provided in such an instance. No red flags??
Consumer complaint received 2020-12-20
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: EQUIFAX, INC. (FL)

My bankruptcy was completed on XX/XX/2020 which means tradelines for things included should have been removed but they are not. I also want my first name corrected as it is on my documents. My name is XXXX and not XXXX as you continue not to correct it.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

I opened a line of credit with Fortiva  retail credit from XXXX XXXX back in XX/XX/XXXX. I paid the balance of over {$1500.00} in full in XX/XX/XXXX. They started calling me telling me I owned money. I called to close the account and it was never done. I did not get the mane of the rep I spoke to ( Big Mistake on my part ). I was later hit with an annual fee and late fees starting pilling up and interest because I did not want to keep the account open. As of today XX/XX/XXXX my balance is {$130.00} which are all fees and interest. I owe them nothing. I refused to be bullied into paying something I do not owe. My credit score has dropped by 10 points because of this. I am beyond infuriated. They are crooks and I will never do business with them ever again.I have spoke to so many different reps that they conveniently do not see in their system. I spoke to a customer rep named XXXX XXXX back in on XX/XX/XXXX at XXXX and asked her why are they not honoring my wishes to close the account and reverse those fees. She closed the account but never reversed those fees. Now the fees keep adding up every month and I will not pay them. I paid what I owed in full in XXXX and I will not pay them one more Penney even if it hurts my credit. It's the principal of it all. As I write this I attempted one more time to speak to a representative but I was put on hold and the call dropped. I tried again a second time the call disconnected after I verified my identity.
Consumer complaint received 2022-10-25
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: DISCOVER BANK (NJ)

Account # : # XXXX To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that DISCOVERBANK use against Consumers like myself.

The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
15 USC 1681 ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (FL)

I opened a checking account with BB & T on XX/XX/19, followed the step which is two monthly direct deposit of {$100.00}. the fine print said to have two monthly direct deposit of {$100.00} within 75 days upon account opening a {$200.00} bonus will be deposited to the account after 75 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MN)

My fianc at the time bought the house in XXXX, MN together and we were both listed equally as borrowers for the loan, then we got married and in 2015 we had our divorce finalized. I let her keep the house and the very large amount of equity that went along with it. My plan the entire time was to live in it for 5 years or so then sell it for a significant profit. It is now worth well over {$100000.00} more than we paid, I paid the full mortgage myself and all the closing costs and escrow associated with the purchase. I made improvements and I paid the mortgage even after we split up and I moved out. 2 full years of monthly payments is about {$25000.00} plus another {$10000.00} of costs from the sale is over {$30000.00} of real money I put in that I lost from the divorce. The court was being completely female biased and I didnt do anything in the relationship to cause any unfair treatment but I sure got it. They awarded her the house outright as long as she takes over payments its 100 % hers but I dont get removed from the loan? Thats not right. I lost {$35000.00} of money I invested in the property AND the percentage of equity that I should be due that is about pay off and she got a free house. Literally everything paid for for her. Meanwhile Im stuck with almost {$200000.00} of debt on my credit report and I have been destroyed by that. I cant get a car loan or buy a new house because of that debt that is no longer associated with me at all. Its been 8 years since I lived there. She has since remarried and has 2 kids by another man and I cant help but wonder why they are not putting his name on and taking mine off. I dont know how people could look ar the situation and conclude that I should remain on the hook for the loan that I have lost 10s of thousands of dollars to and she has made climbing near to {$200000.00} in potential revenue from a sale. Theres only 2 fair outcomes for this situation. One removed my name from that loan and that loan amount from my credit report right away or she needs to sign paperwork for giving me a percentage of the profit when a sale happens because I have had no financial freedom because of this and have not been able to actually really start over again because of the amount of debt in my name. Im not trying to take money from her I just want this off my report so I can buy a house or car and finally have a chance. I have years of damages from this and it needs to be handled properly.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I have a credit card through Chase Bank. I have three different balances on the card each with their own interest rates. I made the minimum payment and then made two other payments hoping they would go towards the balance with the highest interest rate ( cash advance ). It did not. When I called i asked them about this and they said that is not how their system works. I was told that The Credit Card Accountability, Responsibility and Disclosure Act of 2009 would force credit card companies to apply excess payments that blling cycle to the balance with the highest interest rate first. Can you please help me with this issue or am I misunderstanding how the process works.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (CA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- ->>> XXXX XXXX for XXXX XXXX XXXX My XXXX XXXX XXXX. The last place my card was supposed to be sent was @ XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX I was unable to retieve the {$250.00} or {$200.00} dollar amt charge to my credit card at XXXX XXXX on XXXX XXXX XXXX. Since then, my card was stolen by my friend XXXX, XXXX. my old boyfriend. Along with my identity and my drivers license and now my ID DMV issed card. 
I am so frustrated. I have no idea where the child support payments are going to and can not even retrive a dispute letter from Goprogram.com that was last outsourced to XXXX! I think XXXX is absolutley a identity theft. And please report this along with any other account associated to me name. he also stole my Unemployment Card and my XXXX XXXX bank debot card and my XXXXXXXX XXXX cards, and my XXXX Cards. XXXX XXXX XXXX XXXX XXXX XXXX 
His current address and where I stay with him now stay is at XXXX XXXX XXXX, XXXX, XXXX please look into this thank you so much/
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have a wells Fargo business checking account that I opened and put aside {$5700.00} for backup funds. It is backup fund so I don't touch it. I don't have checks, use the atm, nor online account to that account. This summer in XXXX there were ACH funds transferred from that account to a XXXX  XXXX  account. It started on XX/XX/XXXX. I didn't realize the money was taken out via ACH by someone when I looked at the statements. This is not my main checking account so I don't have checks nor an online access. I also got no notification from Wells Fargo about suspicious activities. 

I went in XXXX to Wells Fargo to inquire about the fees charged to my account. 
When I went in to Wells Fargo that is when I realized someone had managed to get access to my checking account and transferred {$5400.00} out. The teller printed out my transactions from XX/XX/XXXX and asked me to call the fraud line. I spoke the fraud personnel reported the incident XX/XX/XXXX and filed a police report that day. 

There were XXXX transferred by the same person made from XX/XX/XXXX to last XXXX XX/XX/XXXX. It all went to the same horse gambling website. I called the website and they actually were able to identified the account holder. However, they would not release the information to me. I went to file a police report. 

I got a letter from wells forgo fraud department on XX/XX/XXXX stating {$3700.00} was not able to reimburse because too much time had passed. I called them inquiring where the {$3700.00} came from, and it turned out they got the amount wrong so a second investigation was initiated. The letter came back XX/XX/XXXX stating {$5400.00} was charged to by account and not reimbursable because too much time passed since I notified them. 

I am filing a complaint with CFPB because I felt Wells Fargo had failed to protection me financially. They had failed to notify me of suspicious activities. They had exposed my checking account. When I filed the report to them, their investigation was basically that 30 days had passed since this happened and they are not liable. 

I am saving this money for backup reserve for my business. I had no atm, checks, nor online account ( until I opened one recently ). I personally feel unjustified that they claim no responsibility to this. As far as I am concerned they failed their duty to protect my checking account and notify me of suspicious activities. At one point three transferred were made on the same day over XXXX XXXX dollars, but no notifications. 

This account is not my main business account so I do not check it regularly as there is no deposits nor outgoing payments so yes I did catch the fraud late. However, there has to be an exception to the 30 days rule if I wasn't even aware of this rule nor was I made aware Wells Fargo do not notify me of any suspicious account activities.
Consumer complaint received 2022-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I have filed complaints with this agency in regards to the predatory practices of Navient in regards to my student loan and continue to get no response as to why Navient had placed this account on hold since XXXX due to, as it claimed, a bankruptcy lawsuit filed by other borrowers. I have never filed for bankruptcy and Navient should not be able to charge me fees for a lawsuit that had nothing to do with me. Prior to XXXX, Navient had placed this account in deferment in XXXX, where it gathered thousands of additional dollars of exorbitant forbearance interest fees. In total, Navient has held this account in deferment and hold for 14 years, where no payment could be made. The original loan was {$7000.00} ; it is now more than {$18000.00} after 14 years of one hold or another. Navient used the credit bureaus as a weapon in XX/XX/XXXX and reported the account in late status without informing me when the bankruptcy hold would be released. I believe Navient did this punitively after my complaints with this agency because it responded to one of my complaints by simply stating the hold would be lifted " soon, '' which does not indicate an actual date, but still they reported the account late. I spoke with an agent with Navient in XX/XX/XXXX, and she informed me that the fees assessed to this account for the bankruptcy hold should not have been based on that lawsuit as this account should not have been a part of that procedure since it that did not pertain to this account. Navient apparently is ignoring this matter and deceptively distracting with a story about not having an up to date address for me, even while I have had my mail forwarded with the post office. They have not provided life of loan documentation with legitimate attempts to contact me, but they have provided proof that they have not been an honest broker of this service by using the credit bureaus as financial weapons, omitting the date the hold would be lifted from the bankruptcy hold in their CFPB response to my complaint for inaccurately placing this account on a bankruptcy hold for 9 years plus 5 years in deferment hold before that, and now trying to steal 14 years of forbearance interest fees from me without remorse or accountability.
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA (LA)

Contacted Lending USA in regards to other loan products and was told by two different reps that I qualified for a second personal loan. I then went online and was pre-approved. Once called by another rep of Lending USA, I was told that I did not qualify for a second loan and could only be approved for a loan to pay a merchant. I then called Lending USA back and asked to speak to a supervisor. I was told to expect a phone call from a manger by Monday, XX/XX/19. As of XX/XX/19, no one has called me.
Consumer complaint received 2022-10-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2022-09-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-25
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. (GA)

I have been trying to get information from this company about the unknow account, I sent to the Credit Bureaus and to this company Certified mail, the unknow collection company account is listed below. 
XXXX and XXXX XXXX the full account is listed at XXXX XXXX Both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, XXXX, and Transunion, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.
Consumer complaint received 2022-09-13
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. (IL)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts.