davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (CA)

There are several items on my credit report that are incorrect and I have tried several times to get them corrected and it is still there. I have tried calling Experian to speak to someone and they do not answer the phone. The account for XXXX i have disputed many times and have spoken to acima they are stating they contacted experian and have reported this account as closed yet experian has not updated this after several requests made to them. There are also accounts on my credit report that are more than XXXX XXXX XXXX showing negative. ( XXXX and XXXX ). There are addresses on my account that I have requested be removed because they do not belong to me for example the one in Illinois I have provided police reports showing identity theft yet nothing has been done. There are also errors to my name and that has not been rectified either. I tried reaching out to experian but they do not answer their calls. This has affected me getting a home loan.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (AL)

I have used my credit card when I was in a line with XXXX XXXX XXXX but later moved to another line with XXXX XXXX XXXX but my card was not removed from the Old line. Even I have asked the persons in the old line to remove my card. Even after lot of calls and messages with the persons in the old line they have not removed my card. So, I have changed my card to stop the recurring payments from XXXX XXXX XXXX. I have also called my credit card customer service which is AMEX and asked them to block my card for further transactions for XXXX XXXX XXXX and they blocked the card for those Transactions on XX/XX/2023. I have even asked the AMEX to resolve this problem. I have not used that transaction and raised dispute with AMEX with that transaction which happened on XX/XX/2023. After blocking the card the customer service agent said that further transactions will not be happened because it is blocked. 
Later in the month of may also I have reconfirmed about the recurring payment block by contacting AMEX and they said as it is blocked no further transaction will be happened with XXXX XXXX XXXX. 
Even I have tried to contact XXXX XXXX XXXX about the transactions on my card which I have not used from my side. They are not giving a perfect resolution for my problem. 

Again on XX/XX/2023 there was again a transaction happened on my card which I have not even used. I have again tried contacting both XXXX XXXX XXXX and AMEX but they not giving any resolution for the problem. 
If I call XXXX XXXX XXXX about the problem they are asking to contact the credit card company to do something about my issue. And If I call AMEX they are saying to contact XXXX XXXX XXXX about the issue. 
The transaction is {$180.00} and some cents on the month of XXXX XXXX and {$180.00} and some cents on the month of XXXX XXXX.
Consumer complaint received 2016-06-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I borrowed {$480.00} and now I 'm expected to pay back quadruple that amount. 
i.e. : XXXX from XX/XX/2016 until XXXX 2016 I 'm XXXX, on a fixed income, this is PREDATORY LENDING at it 's finest. 

WHO IS MAKING ALL THAT INTEREST ON THIS MONEY! IT 'S REALLY A SHAME BEFORE GOD!!! 

Also while checking for the link to try and pay off early, it 's not there, but I did discover there was another loan pending online there, ONE ; I DID NOT APPLY FOR, but NOW, IT 'S GONE! I SCREENED SHOT A COPY TO ATTACH TO THIS COMPLAINT! 

I do believe someone is committing FRAUD!!!
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NY)

I originally submitted a fraud claim with Wells Fargo bank in XXXX of 2016. Wells Fargo denied my claim because they said that I continued to pay my bill so the charge was valid. I had never heard of the company, and I pay my bills on time, so I let them know that I had never had any interaction with the company in question. The denied me again. After the second denial, I asked reached out to the Consumer Financial Protection Bureau. Wells Fargo responded and said that I should contact the company directly and when I have more evidence, that I should furnish them with it. I did contact the merchant who billed me via email. They told me that they did n't have any record of doing any business with me. I then sent this email thread to Wells Fargo so that they could correct my account. They did not. Wells Fargo has a {$0.00} fraud liability for clients, and this merchant has no record of doing business with me and I have no record of doing business with them.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Personal Credit Card ( including all other consumer products ) forcefully required all consumers to change their user profile and passwords in late XXXX - early XXXX without the adequate provision for consumers to retrieve their information in the event they got stuck, forgot their tangible card. This change got me locked out of my account a few many times causing delays in my credit card payments. Upon speaking to WF on the third lock down and one delayed payment, no action was taken to rectify this and I was recorded with a delayed payment on my credit score. I want to take legal action on WF for not providing consumers with provisions to retrieve their information at any given point in time. Security robustness can be provisioned without inconvenience.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (GA)

I was hacked on multiple occasions In XX/XX/XXXX my phone was turned off & I was advised this was an internal issue In XXXX & XXXX I was hacked again & money taken from my account. The first time a dispute was filed & account repaired. In XXXX I was advised I would be held responsible for fraudulent activity, in both instance of Fruad. 

I did not request or receive the merchandise the company was immediately made aware. Multiple fraud inquiries improperly handled & without proof or validity Please reference Fraud Inquiry request and assigned XXXX XXXX Inquiry request and assigned XXXX XXXX
Consumer complaint received 2023-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I called Equifax at XXXX on XX/XX/XXXX at XXXX Pacific time to dispute an inquiry that I did not recognize ; it looked like someone applied for an account in my name without my authorization. The representative at Equifax stated in order to identify me I needed to provide to her a copy of my driver license front and back and that I needed to send her a copy of my police report to start the investigation. I questioned her and stated the FCRA did not require all this to investigate. She paused and said that she was following FCRA. She seemed very agitated and said there was another way to identify me, that I had to read information on my credit report. I read many, many accounts, over 20 accounts that are currently open, along with the dollar amounts, dates open, etc. That was not enough, she then asked for me to tell her the names of whatever installment loans, student loans or auto loans that were no longer open. She asked for the dates open, amounts information regarding the accounts. Finally it seemed like she might take my dispute. She asked which account inquiry I wanted investigated and removed. I told her it was XXXX XXXX dated XX/XX/XXXX. She asked is this the ONLY item? I said yes. Then she said that she wanted to help but that she needs a copy of the police report to get the account investigated. She seemed annoyed and asked did you ever write to Equifax to get this removed? I said no and explained this is why I was contacting her now and that I would like for her to help me. I reminded her that FCRA does not require a police report and I asked to speak to her supervisor so I could get the help I needed. She left me on hold. I held on the line for over 15 minutes in silence, then I heard music, then silence again for over 15 minutes. No one ever picked up the phone after waiting on the phone for nearly an hour ( see attached screenshot ). As I waited, I decided to reach out to you, the CFPB for assistance, because it was clear I would not get any help from anyone at Equifax. They are clearly violating the law if this is how they treat consumers. Please help me to get this unauthorized inquiry verified and removed.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for Bankruptcy and was granted XXXX  XXXX relief XXXX. My entire rental history was added and discharged including XXXX XXXX XXXX. I sent proof of discharge to XXXX XXXX XXXX and they refuse to remove the derogatory items from my rental history which is causing me to be denied on my new rental applications. I have paid multiple application fees to keep getting denied to find out that its because this company is still reporting negative items.
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I PURCHASED A XXXX XXXX XXXX on XX/XX/XXXX, I GAVE A {$10000.00} DOWNPAYMENT. ALSO MADE XXXX PAYMENTS OF {$1000.00} & XXXX PAYMENT OF {$1100.00}. ON XX/XX/XXXX SAID VEHICLE WAS TOWED, WENT TO XXXX XXXX  TO INQUIRE, WAS GIVEN A XXXX  INVOICE & LOCATION TO GO RETRIEVE VEHICLE. PICK VEHICLE UP XX/XX/XXXX ( FEES {$350.00} ). 
ON XX/XX/XXXX XXXX  HAD VEHICLE TOWED AGAIN ( SAID XXXX XXXX WAS STOLEN ). ON XX/XX/XXXX WENT TO TOW COMPANY SHOWED PROOF OF OWNERSHIP ( LICENSE, INSURANCE, REGISTRATION & VERBAL PERMISSION FROM CAPITAL ONE AUTO FINANCE PRESIDENT, XXXX XXXX, XXXXXXXX XXXX XXXX ) AND I RETRIEVED VEHICLE AGAIN ( FEES {$190.00} ). ON XX/XX/XXXX SAID VEHICLE WAS TOWED AGAIN ONLY THIS TIME XXXX XXXX POLICE PICKED UP VEHICLE AND THE DEALERSHIP HAS PUT THE VEHICLE BACK UP FOR SALE. THEY ALSO SAID MY LOAN WAS A FRAUD BECAUSE OF A CO-SIGNER ON THE LOAN THAT I DID NOT ADD NOR DO I KNOW OR HAVE NEVER MET IN MY LIFE AND ON TOP OF EVERYTHING ELSE I HAVE A COPY OF MY CONTRACT AND THE SIGNATURE IS NOT MY SIGNATURE AS WELL. MY SIGNATURE WAS INFACT FORGED.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

This is in regards to Citizens One, and the XXXX which they service. On XX/XX/2016 I purchased an XXXX online for pickup in store, and when I got there, an issue with XXXX 's systems required us to cancel that order ( and the associated loan ) and redo the order ( resulting in a XXXX loan ). The pending charges for sales tax and first month 's payment for the first loan were never settled, and fell off of my credit card as expected. However, a month later Citizens One double charged my credit card. I contacted them and they claimed the first loan was still open, and told me they could n't do anything. I had to work with XXXX to get the correct information sent to Citizens One to close out the loan and refund my money. I received a confirmation email from Citizens One on XX/XX/2016 which stated " Dear XXXX XXXX, We were recently notified that you returned your XXXX order. Your loan number XXXX is now paid in full and has been closed. 
Any payments you have made to your loan will be refunded to the credit card or checking/savings account you have set up for your recurring monthly payments. Please allow XXXX business days for these payments to be returned. '' Since it 's been XXXX business days I called them, and they 're now telling me that it 's going to be up to XXXX business days before they refund the money. I complained, since I have a commitment in writing, and XXXX days is a ridiculous amount of time to process a credit card charge reversal. They told me that it was a generic email that gets sent out to everyone that closes the loan early. They could not/would not answer why it says XXXX business days if they really mean XXXX business days. After asking to be transferred to someone that could do something about it, she transferred me to XXXX, who said he 'd put in a request to expedite the refund. But they would not give me a reference number, send me an email confirming this, or do anything that will provide me with evidence of the conversation.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2016-02-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I transferred {$500.00} to my Citizens Bank checking account on or about XXXX/XXXX/16. When I withdrew {$200.00} on XXXX/XXXX/16, the balance reflected at the ATM machine was {$440.00}. 
One day later, my balance reflected - {$53.00}, and a {$35.00} fee was assessed as an overdraft charge. 
When I messaged Citizens Bank online, " XXXX XXXX '' informed me that the {$500.00} did not show up in my account until XXXX/XXXX/16, and that the {$35.00} fee would not be waived. However, as I checked my account balance at the ATM ( Citizens Bank 's own ATM machine! ) and it was over {$600.00}, I do not believe a {$35.00} fee should have been assessed. I am happy to file a XXXX or any other complaint as needed to achieve this refund, as the fee assessed was clearly fraudulent.
Consumer complaint received 2023-05-23
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have had a Nordstrom credit card since XXXX. The credit limit on the card was {$20000.00}. I had a baby XX/XX/XXXX. During my maternity leave I used the credit that was available to me because our family income was substantially reduced due to maternity leave. My husband and I are both at work now and normalizing our finances. 

Approximately XXXX weeks ago I took out a personal loan to pay off XXXX tradelines including the Nordstrom credit card because doing so would lower my payment. I paid off all but {$500.00} on the Nordstrom tradeline. The primary benefit of taking out the loan was to create slack between the total quantity of available credit and the total quantity of credit I am using, to drive up my credit score.

A week after paying the Nordstrom credit card Nordstrom involuntarily changed my available credit from {$20000.00} to {$500.00}. Nordstrom is now artificially reporting that the {$20000.00} tradeline I have been paying on for almost 20 years was a {$500.00} credit line over the life of the tradeline, which is a lie that damages my credit score. Nordstrom has erased my credit history of paying a {$20000.00} tradeline for almost 20 years and has ensured that my credit score can't improve by taking away the slack I created between the total quantity of available credit on my Nordstrom 's tradeline and the total quantity of credit being used on the Nordstrom tradeline.

I would have been better off paying off the Nordstrom tradeline completely and closing the line instead of leaving a {$500.00} balance to revolve in an effort to improve my credit score. The reward we get for paying off a large credit card is to have Nordstrom 's lie about the size of the loan we paid on for almost 20 years and to be stripped of the slack we created to improve our credit score.

Per Nordstrom 's own attached credit reduction letter, the reason my credit score is low is because I have high balances on my credit cards. So the moment I create slack on the cards to remedy the high balances, Nordstrom responds by immediately destroying all of the slack I created, and in so doing wittingly driving down my credit score. Nordstrom is perpetuating the problem that Nordstrom is using to justify denying me credit.
Consumer complaint received 2017-03-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I have a vehicle loan through Wells Fargo that I am paying off.every time I pay a large sum at one time they introduce a payment cap. Fest I could not pay more that {$560.00} at a time, now I can not pay more than {$460.00} at a time. They are forcing me to pay unnecessary interest.
Consumer complaint received 2023-05-22
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. (NC)

I purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a XXXX XXXX who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a 30-day late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their XXXX XXXX XXXX department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act the following XXXX companies have fraudulent information, wrong personal information : TransUnion : NAME should be " XXXX XXXX '' PREVIOUS ADDRESSES : I do not recognize those addresses EMPLOYERS : XXXX XXXX is not correct XXXX  : ALSO KNOWN AS : I am not known by any other names other than my actual Name which is " XXXX XXXX XXXX XXXX I am NOT " XXXX XXXX XXXX '' or " XXXX XXXX '' DATE OF BIRTH : should be XX/XX/1995, not just " XXXX  '' PREVIOUS ADDRESSES : I do not recognize any of those addresses XXXX : XXXX : should be " XXXX XXXX XXXX XXXX XXXX i have no former names EMPLOYERS : XXXX XXXX is not correct All of this incorrect/fraudulent information is hurting my credit report and not allowing me to qualify for mortgages or anything. This false information also is making Charge-Off accounts to remain on my report.