davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 
This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be REMOVED Income can not be reported on credit files 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 What is the civil liability for 15 USC 1681 N in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

1. I opened a checking account in Truist Bank and made an initial deposit of {$50.00} on XX/XX/2023 2. On XX/XX/2023 I lost access to my online banking account. I called the support and was notified that my account is permanently blocked. 
3. In a few weeks I visited their office to ask if my account can be unblocked. The bank teller told me that there is nothing they can do. I asked them when my deposit is going to be refunded. I was told that it's gon na be refunded via check in a few weeks. 
4. On XX/XX/2023 I received a statement that said that the service fee was charged. I called the support and was told that the only option is to visit their office again 5. On XX/XX/2023 I spoke with their branch leader - XXXX XXXX. She assured that they can solve this issue but first they need to unblock my account. She told me that it takes two hours and after that my initial deposit will be refunded. 
6. Today is XX/XX/2023 and my account is still blocked. The branch leader doesn't pick up her phone. I still receive statements when I get charged for service which they do not provide.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is 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 2023-06-25
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. (TX)

This account XXXX does not belong to me. I have done research and discovered it is a secured card. I dont need a secured card as I have a credit card with my financial institution XXXX XXXX! Please REMOVE this its extremely damaging to my credit. 



Please also remove the address XXXX XXXX XXXX And the phone number XXXX from my credit report as these are other fraudulent things open in my name.
Consumer complaint received 2023-05-08
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (PA)

I Am a victim of identity theft - i have been contacted by XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( THEY ARE COLLECTING AN ACCOUNT ON BEHALF OF ( CREDIT XXXX BANK, XXXX. ) REF # XXXX - THEY KEEP RESELLING THIS ACCOUNT THE AMOUNT IS {$950.00}. I have been sending in certified letters to XXXX XXXX XXXX XXXX ( CREDIT CONTROL , LLC ) XXXX XXXX XXXX AND XXXX XXXX keep sending me letters advising updated and accurate and NOT INVESTIGATING, i also sent them copies of the police reports NO ACTION TAKEN Requests to Block Unauthorized Charges from my Credit Report under FCRA XXXX. I HAVE NO KNOWLEDGE ABOUT THIS ACCOUNT ( PLEASE FOLLOW THE LAW ) Please provide the following : Agreement with your client that grants your authority to collect on this alleged debt that is not listed as mine. Agreement that bears the SIGNATURE of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency XXXX that this debt was assigned or sold to collector. ( XXXX ) showing IRS info XXXX accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grant & Weber (CA)

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appears on my consumer XXXX  credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account ///opened at XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, GRANT & WEBER ARIZONA XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

My new checking account hasn't been open not even a month before wells fargo closed it. The reason why wells fargo feels that way about me with such malic against me. Was because XXXX XXXX already defamated my character. Well before I open my checking account. She made sure that everyone at wells fargo new about me. My insurance company used wells fargo. So I went to a wells fargo bank to cash my insurance check for hail damage. All the bankers stared at me like I was some type of criminal. This banker XXXX XXXX wouldn't leave me alone about wanting to open a checking account with them. Which I didn't want in the first place. Then she proceeded to make fun of me and my sons facial features. All due to their employee XXXX XXXX slandering my name. Which makes wells fargo libel for their employees actions. Wells fargo hated me well before I opened my new checking account. Well before I even had a account at wells fargo. 

They weren't exercising their right to close my account. When i opened my first account until AFTER, XXXX XXXX falsely accused me of harassing her. Wells fargo owes me damages for all the pain and suffering caused by XXXX XXXX. With her calling the police on me while I was at the bank. 

This is why i am so angry. They let me open a new checking account, but to only closed it not even a month later. I was kept in the dark. When I tried to make a purchase and my purchase was delined. I went to call wells fargo, with a banker told me the business relationship went bad. I just opened this account. Now i can't do any business with wells fargo because of XXXX XXXX. 

I don't care about their stupid cause. They didn't have a right to close my account. By forcing me to drive back and forth to the bank to open a new checking account. This violates my civil rights telling me I can't enter a wells fargo back. Even if I have a check made out to me with wells fargo bank all because of wells fargo slanderous false accusations.
Consumer complaint received 2023-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

Please note that a previous complaint was filed against my private loan servicer ( XXXX ). I continue to encounter issues with the loan servicer as I have not received paper statements through U.S. mail. On XX/XX/2023, I received an email from XXXX XXXX stating my account was under review and that a formal response would be provided. However, a response has not been provided. Instead, I received a credit alert notice from XXXX on XX/XX/2023, stating that NELNET INC/NELNET has flagged my account as 30 days past due. NELNET INC/NELNET has refused to provide paper statements and communications through U.S. mail . Instead, in what appears to be a condition of the loan product they have aggressively pushed student borrowers such as myself into electronic statements, using questionable, deceptive, and possibly illegal tactics to force student borrowers to " choose '' electronic statements by accessing their accounts online. Just because a student borrower accesses an account online does not mean that the consumer wants to receive statements electronically. Instead, they have used the telephone and electronic communications to harass students for non-payment and then report the account as derogatory.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

After successfully paying off my vehicle loan, I received an email and all the necessary documents from the company confirming that the loan was paid in full. They even sent me a congratulatory letter and closed the account. Additionally, I obtained the ownership title from the DMV, officially recognizing me as the owner of the vehicle. However, unexpectedly, the account was reopened, even though my bank statement clearly shows that the loan has been paid. This situation is negatively impacting my credit score, so it is crucial to have this information removed from my credit report.
Consumer complaint received 2023-06-24
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: TD BANK US HOLDING COMPANY (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX / XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX Balance {$590.00} XXXX XXXXXXXX Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$89.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/23 I submitted an account dispute to Transunion Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Transunion Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Transunion responded to my dispute on XX/XX/23 which is 40 days, 10 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. 

When I did finally receive a response on XX/XX/23 it noted that the disputed information is not appearing on my current Transunion report. As of today XX/XX/23 this account that Transunion says in no longer reporting is still currently reporting and must immediately be removed. Attached is a copy of my most recent consumer report and the notice from Transunion informing me that the information is not currently on my report. 

Lastly, I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. I never received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ).
Consumer complaint received 2023-06-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Technology Federal Credit Union (NC)

My XXXX XXXX was in a vehicular accident in XX/XX/2022 and was totaled by another driver. After the appraisal, I was told that I didnt have GAP coverage. I refinanced the vehicle a year prior and dont recall not applying for Gap. I understand the importance of having it and wouldnt go without it. Now I am being told that I owe Gap and no one at the company could show me where I opted out of it during the refinance. 

Truth In Lending was not disclosed as far as the finance charge and Gap coverage were concerned. The car accident was not rectified at all. Due to the accident, my credit has steeply declined from a XXXX down to a XXXX. Due to being desperate to get my kids around I had to enter into additional loans that continue to hinder me from my pursuit of happiness as well as no longer being considered for a home. Had the Gap coverage been in the contract in place of the finance charge this would not be a issue. Due to this accident I have been declined additional credit to rectify my situation. 
After the accident, I applied to get my loan extended so that I may purchase another car under the company since the at fault drivers insurance was going to pay my loan off. My credit was denied multiple times. 

I have my contract from the refinance and can submit it later if needed.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a CapitalOne credit card, which I've had for 5-10 years. I have an autopay and have always paid on time. An autopay for XX/XX/XXXX failed as I'd forgotten to deposit sufficient funds in my linked bank account. I then manually paid three days later on XX/XX/XXXX, meaning I was 3 days late. Rather than calculating interest on 3 days, they calculated on 30 days, i.e. the full billing cycle. Also, rather than calculating based on the overdue balance ( {$3200.00} ), they calculated based on the total outstanding balance ( something over {$5000.00} ), which included charges not yet due, i.e. charges incurred after the most recent billing cycle. I don't know if these charges are in line with policies outlined in the fine print, but even if they were, it appears to me abusive and grossly unfair. I don't see how they can charge for a time when my payments weren't late, and for balances that weren't overdue. Please investigate and get back to me. On top of the excessive interest charge, they charged a late fee of {$29.00}. The rate used in the calculation ( 17.25 % ) seems fair. The problem is the days and balances they use in the calculations. I've uploaded a copy of the statement with the charges.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-08-10
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. (TX)

The details of the fraudulent accounts are as follows : XXXXXXXX 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
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

I received a letter to my old address on Wells Fargo letterhead dated XX/XX/2023 that I had not cashed a check dated XX/XX/2023 sent by Wells Fargo " due to account closing issues ''. I never received a letter explaining the check from XXXX to current. So, I was hesitant to call the number on the letter and instead, called Wells Fargo customer service. I was transferred to 4 different people and 3 of the 4 told me they didn't know anything about me receiving a letter/did n't have enough information from the letter to do anything for me. Finally, I was transferred outside of Wells Fargo to a rep that stated they were the third party teaming with Wells Fargo under the settlement to issue payments to clients for wrongful charges. The rep was able to resend me a check to my current address and with my current name but was unable to explain what I was being reimbursed and from what year. She explained that I needed to talk to customer service, which I was transferred to. The Wells Fargo associate told me that because I had no accounts ( opened or closed ) associated with the account number on the letter, that they could not look up any information to find the activity that warranted the refund. I explained that I have only ever had a checking and savings account with Wells Fargo and their account numbers never changed and I asked her how the number could be different. She was unable to explain the random account number and unable to give me any basis as to where the check amount came from. I spent over an hour on the phone looking for answers and no one was able to help. i was told that the letter had an account number that I do not have with Wells Fargo and that I needed to give them the full account number on the letter although only the last 4 digits were included. This number did not match either my checking or savings account numbers. They also checked to see if there was a closed account with that number and confirmed there was not. This raises concerns as to why the letter would say that the check was due to account closure issues. I find this concerning and frustrating that I was not informed on where the check came from and how the number was calculated. I am unable to check the accuracy and must rely on Wells Fargo, who was negligent in the first place, to be accurate on this correction.
Consumer complaint received 2024-10-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Submitted a dispute for a credit card Account beeing opened up in my name due to fraud, I sent it by way of XXXX mail XXXX. To : Kohls # XXXX Capital One Bank, they never responded back. But yet this bank has pit this balance on my consumer report. Had this company Done their due diligence and answered my dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain
Consumer complaint received 2023-06-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion and XXXX credit reporting agencies did not do a proper investigation during my dispute. They are improperly reporting my XXXX student loan account as delinquent when in fact the account has been in deferment under the C.A.R.E.S. ACT and should show paid as agreed with no late payments. Also, there are four collections accounts that are inaccurate and need to be deleted. The attached dispute letter will outline all accounts that should be deleted from my credit report immediately.