davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My credit union provides a service to view my credit score every month. In XXXX I viewed my credit score and it was downgraded by XXXX points, from XXXX to XXXX. I was surprised because I have been steadily improving my credit score by paying my XXXX credit cards off every month to zero balance and using less that XXXX XXXX of my available credit every month. This is what I was told to do by the credit reporting agency. I contacted them via their XXXX XXXX since that was the only customer service I could find and after XXXX weeks of communicating with me the only thing I could get out of them was 'how they computed the scores '. I pointed out to them that my scores have been steadily going up and I had a 'XXXX ' score for Payment History, an XXXX ' score for Credit Usage, a XXXX ' score for Account Mix, a XXXX ' score for Credit Age, and an XXXX ' score for Inquiries. I pointed out that my XXXX score was XXXX. I pointed out that nothing had really changed in my credit reporting except that I was staying under XXXX XXXX  credit usage and paying off my credit cards every month. I talked to a supervisor and she said to call their 'Corporate Escalations Team ' so I did but they would never answer the phone and sometimes called me back when I was unavailable so I would call them back but they never answered the phone with a live person. So I could never explain to them my complaint. I am severely impacted by this XXXX point downgrade because I am doing exactly what they told me to do, and I am working hard to get my credit score improving so that I can have better credit and then they downgrade me by XXXX points for nothing. When I was communicating with them through XXXX I asked them to tell me why I was downgraded and they never gave me any explanation at all that made sense. All they kept telling me was how they computed credit scores. I would like to talk to their 'Corporate Escalations Team ' but they never answer the phone,, they always call me back once and I have so far missed their calls. I want them to reverse the XXXX point downgrade and, in fact, I want them to adjust my score to over XXXX because I am using my credit responsibly and am doing exactly what they tell me to do, I use less than 30 % of my credit and I pay off my credit cards to zero every month. Thank you,
Consumer complaint received 2024-08-17
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. (CT)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX-Account number ( inaccurate report i paid in full and was never late ) XXXX XXXX XXXX- ( no knowledge to this account ) {$3900.00} Account number XXXX XXXX XXXX  XXXX ( no knowledge to this account ) {$180.00} XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$780.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$120.00} Account number XXXX i demand these items to be remove i also reported to the ftc
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AutoNation Enterprises Incorporated (CO)

CIG or AUTONATION finance have been calling people not on my application for the car loan getting my personal information out and just pretty much not being legal in the in the fact they called my husband 's first wife who has not lived in my house for over XXXX  years and all I know is her first name about me and my car loan they have called his second wife who has not lived in it in that house for over XXXX years about me and my car loan they have called his mother who is not on my application at all about me and my car loan and I'm pretty sure this is not legal
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Tower Loan of Mississippi, Inc. (LA)

I made a consumer credit transaction with tower loan. My title to my car was taken as collateral. I submitted payment in full before payments were due in the form of a 1099A which was endorsed correctly according to law. I submitted with the 1099a a blank 1099c 1099oid and a 1099v for there use to submitted for payoff. Tower loan has called and threatened me to take my car advising they were not taking the payment. I sent them a certified letter telling them to cease and desist all calls and unlawful collections and they continue to call. Threatening me, one even hollered at me. I can't deal with them anyone. They need to be shut down now. I have submitted lawful payment for the payoff of the loan. It's important to note the original payment I submitted to them was never returned marked not accepted. The harassment continues every day several times a day threatening me they will take my car. They will not stop. I'm about to file suit on them. I have clearly spelled out to them the consumer laws and my rights and what a lawful payment is and they refuse and constantly harass me
Consumer complaint received 2024-08-15
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. (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. 

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, have violated my rights. 


15 USC 1681 Section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A section 2, 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 reporting containing the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2024-08-14
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

I've been banking with Wells Fargo for over 10 years. During that course I had free cashier checks on my account. Apparently, the type of checking account I had was discontinued and they automatically transferred me to their new version of that type of account I had. When I asked what would change, they told me basically everything would stay the same it was just a new version of that past discontinued checking account. Recently I went on their website and ordered a cashier 's check. I have included a PDF showing screenshots of the exact steps I took to order this cashier check online. No where did it disclose additional fees to me nor gave me the option to accept these fees to proceed. So naturally I carried on with ordering my cashier 's check only to receive an email the next day that my account would be charged the cashier check 's amount plus XXXX $ cashier 's check fee and XXXX $ shipping. I immediately called to cancel check since I was never made aware of these fees and bank representative told me it was too late to cancel, and they could not waive the fees. I asked why I was even charged the cashier 's check fee if my account had these free and they told me that is because my account type was discontinued and automatically transferred to this new one that did not offer free cashier 's checks. I then asked why when ordering it did not disclose these fees to me then then and I was told they were unsure. I asked to speak to a supervisor, and they told me they didn't have one they could transfer to. New procedure is for them to submit an escalation request or formal complaint and within XXXX business days someone would reach out to me. This is a scam and theft. I was not advised of these fees ; I did not agree to these fees and I'm guessing they are hoping clients don't feel like waiting XXXX business days for a possible resolution for XXXX $ and just let it go. I'm hoping this brings light to this scam and others do not fall victim like I did.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am disputing incorrect information being reported on my credit report by Capital One regarding a credit card account that I previously held. 

- **Account Number : ** XXXX - **Account Status : ** Closed - **Payment Status : ** Charge-off - **Balance Owed : ** {$960.00} - **Credit Limit : ** {$1100.00} - **Account Type : ** Revolving - **Account Rating : ** Closed - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX - **Last Verified Date : ** XX/XX/XXXX - **Closed Date : ** XX/XX/XXXX **What happened : ** I had a credit card with Capital One, and I have never missed a payment on this account. Despite this, my credit report incorrectly shows a balance of {$960.00} listed as a charge-off. I have contacted Capital One multiple times to request that they update my credit report to reflect " paid as agreed and never late. '' However, I keep getting the runaround, with representatives promising to make the updates, but no action has been taken. 

**Action Requested : ** I am requesting that Capital One update my account to accurately reflect that the account was paid as agreed, with no late payments or charge-offs, and remove the negative and false information currently being reported.
Consumer complaint received 2024-08-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XXXX I transferred {$1800.00} from my XXXX prepaid credit card to my XXXX  XXXX XXXX XXXX checking account via the Money Network website. The money was never deposited, in spite of receiving a confirmation of the transfer request. Customer service said there was an error and the money would be returned to my debit card in XXXX business days. That did not happen either. I filed a dispute claim, as instructed, and included screenshots of the transaction, with my correct bank information listed, and the confirmation. I received a letter stating that my claim was denied, without explanation. I have reached out several times, over the last XXXX months, both by telephone and email. Customer service can not help me and tell me to send an email to the prepaid card dispute address and those inquiries are ignored. I never get a response. There has been no XXXX trace, that I am aware of, or any kind of investigation to see what happened to my money and where it went. It is the equivalent of almost a month 's worth of unemployment benefits. I am unable to get a hold of anyone that can/will help me resolve the matter. At this point, I consider it fraud and theft. I have filed a complaint with the FDIC, FTC and OCC. I have also written my local and state representatives. I have updated my XXXX account, as they now offer direct deposit, so I will never have to deal with Money Network again.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

I purchased XXXX items from XXXX, the total price was {$33.00} and they denied that they used an old card. They say they used the card that was up to date, which is false, if they had, this problem would not have happened. I have a {$8000.00}. Limit and have a payment of {$170.00} due on XXXX/XXXX/2016, do n't know who put it on credit report, XXXX and all are on credit report, at once. Is there anything I can do to get them removed, my credit score went from XXXX to XXXX in a mighty swoop. I need some direction to get my credit score repaired. Thank you!!
Consumer complaint received 2024-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (TN)

Our home loan was initially set up with XXXX Mortgage in XXXX of XXXX. We applied for a loan modification in XXXX of XXXX due to financial hardship. We were approved and were told we would have to call in and make our payments over the phone for three months : XXXX, XXXX, and XXXX of XXXX. We successfully completed all three payments and were told that our new monthly payment would be {$2200.00} due to our successful completion of the trial period. On XX/XX/XXXX our loan was sold to Flagstar Bank. They told us that they never received our payment for the month of XXXX. Weve sent countless documents including bank statements and a payment history from our previous servicer and they will not acknowledge our payment. They also refuse to acknowledge our loan modification agreement even though Ive also sent them all of that paperwork. This has been an ongoing problem. Ive requested it be escalated and still there has been no progress on our case. On XX/XX/XXXX they wouldnt accept our mortgage payment for {$2200.00} because it wasnt the amount of {$2900.00} which we had modified. Please help
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year> tenant XXXX XXXX sent {$1000.00} RENT payment to my Wellsfargo account via XXXX tenant says that this was mothers account and daughter didn't tell her ( it was ok with mother ) on XX/XX/year> same tenant XXXX XXXX sent another {$750.00} RENT payment via XXXX to my wellsfargo account - no problems however when mother disputed the {$1000.00} XX/XX/year> payment WELLSFARGO SUSPENDED MY account WHEN i CALLED wellsfargo they indicated that trasferror filed complaint I asked why they did they send XXXX payment next day - crickets - ie no response Wellsfargo has rufused to this day to put the {$1000.00} into my account It is pure THEFT by bankster
Consumer complaint received 2024-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MD)

There was a small lapse of insurance when I switched insurance and they penalize me by XXXX  an XXXX XXXX  when I was effectively paying taxes and insurance on my own for over XXXX years, but XXXX mistake and they XXXX an XXXX for the insurance for the XXXX of the loan. This is not fair and I was not given any warning
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that capital one trade line is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have inaccurate information reporting to Chex systems. This bank is no longer a company. There is no way to reach this bank and when I asked for validation of debt it wasent provided by Chex systems, yet it came back verified and they failed to remove this account. Chex systems is a third party company so my question is how and who verified this information. Below I copied and paste the information that was given to me by Chex systems. I also have some inquires thats reporting to Chex systems thats not valid. Everything is copy and pasted below. 

Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : Telephone Number Not Available Reported For : XXXX ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems Date of Closure : XXXX XXXX XXXX XXXX XXXX XXXX Original Charge Off Amount : {$360.00} XXXX XXXX  XXXX XXXX XXXX Unknown inquiries thats also being reported are attached below Inquires : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: COMMERCE BANK (MO)

I applied on line for a XXXX interest card with about {$300.00} in new customer rewards if send {$1000.00} in 90 days of opening, heard nothing and sent email in XXXX, in XXXX was told some system error and card would be sent, and instead of card applied for was sent XXXX  card which has interest and only {$150.00} rewards. When I then went o the local branch and officer there called and sent emails to find out what was going on, she could get no where, I used it and had the {$1000.00} by the end of XXXX, and got the run around, actually at XXXX point told the 90 days ran from XXXX, called and was told would get call back, never happened, sent emails to same address had written me on, no reply, and when told going to submit a complaint told would not be able to help me. It seems a form of fraud and if not that incompetency, the 90 days runs from when open the card.
Consumer complaint received 2023-08-21
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. (TN)

Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in XXXX  and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my XXXX report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by XXXX to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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