davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as the consumer : 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your diligent assistance and immediate response.
Consumer complaint received 2022-12-09
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a premium rewards credit card with Bank of America and on the app under the benefits information, it reads : " Airline Incidental Statement Credit '' and the it reads " Get up to {$100.00} Airline incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services and airline lounge fees- automatically applied to you card '' then it has a graph of my usage activity, which for me is XXXX dollars used. Therefore, I purchase extra bags with TAP XXXX XXXX XXXX on XX/XX/XXXX for {$91.00} and XX/XX/XXXX for {$91.00}. Therefore, I expected a reimbursement for {$100.00} so when it did not happen, I called the bank and they informed me that it needs to be " Certain Domestic '' airlines and they refused the refund. I think their disclosure is not appropriate and at a minimum it should inform that it is only for certain domestic airlines, as per they policies for refund. I spoke to a supervisor named XXXX and would appreciate your assistance with this.
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IN)

On XXXX XXXX XXXX I ( the customer ) discovered through the Credit Acceptance mobile portal that I was paying an extra interest charge monthly ( ranging from {$150.00} - {$300.00} ) as I was paying my auto loan payment of {$430.00} per month. This is in addition to the finance charge that was noted on my purchase paperwork that was added to the purchase price of the vehicle. When I contacted the credit company, they were very dismissive about their policies and placed the responsibility and accountability on the dealership that sold me the vehicle. I seek to initiate an investigation regarding their predatory financial practices, as this is not the first time they have been under investigation about this same practice.
Consumer complaint received 2024-09-20
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)

When I disputed the credit card information that was re-added to my account with Equifax, they supposedly did an investigation. If they did do a proper investigation, they would have found that the credit card is not in my name, and that I have never spent a dime using that card. When I disputed it a while back, I provided them with a letter from the credit card company verifying that it wasn't mine and they removed it. So, I'm not understanding why it has been added back on my credit report? 

The card belongs to my ex.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (OH)

I, applied for a car loan/ extension of credit from navy federal credit union and they denied me my right to credit and securities from the application, Violating the equal credit opportunity act of 1974, and invaded my privacy according to the privacy act of 1974 section 7, found at 5 U.S.C . subsection 552a disclosure of social security number. I applied for this car loan-extension of credit on XX/XX/XXXX and I wrote navy federal credit union XXXX XXXX XXXX ) and they have not replied to any of my affidavits. Attachments are added.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SD)

I initiated a wire transfer on XX/XX/XXXX. The recipient and their bank never received it. I have a transaction ID and confirmation number. I called the recipient bank and also verified the account and routing number of the recipient, as did the recipient. No transaction was received by the recipient bank. 
I filed a complaint and requested investigation on XX/XX/XXXX. I was told they had 10 business days to resolve this. To date, no resolution. I have escalated this. I have spoken to escalations 2 times. All they say they can do is send a message to the investigator. The money has not been returned to my account, and additional funds had to be withdrawn to pay the recipient. I don't care how or if Wells finds the money and what happened, but Wells owes me {$3200.00} in funds never received but withdrawn from my account, plus interest, and reversal of the wire fee.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

All three companies make it impossible for me to access my credit report via XXXX XXXX XXXXXXXX This has been going on for YEARS ever since I moved to a XXXX XXXX XXXX Every time I apply, the web site says unable to comply and to send my request via mail. I have been waiting more than 12 weeks for them to respond. This has happened EVERY year since XXXX Please get all three to allow me to access my credit reports via XXXX XXXX XXXX Thank you
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

My XXXX loans were transferred from XXXX to Mohela on XX/XX/XXXX. Ive been paying off these XXXX  loans since XX/XX/XXXX, even paying more than what is due, and I still have 2 loans remaining. These loans are over 20 years old. These 2 remaining loans are federally backed, privately owned loans with graduated payments.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IN)

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been XXXX  months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

My escrow account is over-funded by over 40 % yet the mortgage company is insisting on keeping those excess funds in my escrow account as a cushion. I believe they are only allowed to keep 1/6 of the total expected escrow costs as a cushion. The remainder should be refunded to me.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (MD)

Around XX/XX/XXXX, I started receiving toll tickets which spark my suspicion, and I called XXXX XXXX  thinking it was in error. Then around XX/XX/XXXX XXXX  XXXX   XXXX  opened account XXXX in my name. 
On XX/XX/XXXX, I contacted the lender who confirmed they have been trying to reach me and advised I raise FTC report so that they can remove it from my credit. 

I raised an FTC report XXXX XXXX along with my drivers license, and social security information and forwarded same to them. 

Up to this moment, they have refused to remove the information or provide me with their investigative report on why they left such in my account. 
I believe the car company is complacent in these identity theft scheme and should be investigated
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MO)

I am writing to formally request assistance with an ongoing issue regarding my Discover Card account, which has been negatively impacting my credit for several years. The account in question involves {$2900.00} in fraudulent charges resulting from identity theft. My credit card, along with my vehicle and other belongings, was stolen in XXXX, Missouri. I live in XXXX  XXXX, Missouri, and filed a report with the Federal Trade Commission ( FTC ) about this theft, providing all necessary documentation and evidence. Despite these efforts, Discover Card has consistently failed to conduct a thorough investigation into the matter, leaving the fraudulent charges on my account and harming my XXXX XXXX. 

I have made multiple attempts over the past few years to resolve this issue with Discover Card by disputing the charges and requesting investigations. Unfortunately, each time, I receive the same unsatisfactory outcome, and it seems no real effort is being made to investigate my claims. I was a loyal customer in good standing before this incident, and it is frustrating to see my XXXX XXXX suffer due to an issue beyond my control. 

Additionally, I have an open claim with XXXX regarding the theft of my vehicle and personal items, including my credit card. If this claim is resolved, it XXXX help identify the individual responsible for the fraudulent charges in XXXX. However, in the meantime, it is unreasonable for Discover Card to continue reporting these charges on my credit report.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MO)

I am writing to formally file a complaint against Discover Card regarding account number XXXX. Over the past year, I have made multiple attempts to dispute fraudulent charges totaling {$2200.00} on my account. These charges resulted from identity theft, and my card information was sold on the dark web. I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted several dispute requests to Discover Card, but my concerns have not been adequately addressed. 

Despite providing evidence of the fraud and following all proper channels, Discover Card continues to report this account on my credit report, negatively affecting my credit score. I have made numerous inquiries, but they have been largely ignored, and no significant progress has been made in resolving the fraudulent activity. 

I spoke with a representative named XXXX, who assured me that a fraud investigation would be initiated to address the outstanding issues. However, after a year of disputing the charges, no real action has been taken, and the inaccurate information remains on my credit report. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in ensuring that Discover Card conducts a proper investigation, removes the fraudulent charges from my credit report, and resolves the ongoing harm to my credit score caused by their inaction. 

Thank you for your attention to this matter. Please contact me at XXXX or XXXX for any additional information or documentation. 

Sincerely,
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MO)

I am writing to formally dispute the inaccurate reporting on my credit report by XXXX, XXXX, and XXXX concerning an account with Discover Financial Solutions. I have noticed that all three credit bureaus have reported that my debt with Discover has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of XXXX, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both Discover Financial and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, Discover Financial Solutions has failed to correct the erroneous charge-off report. This has resulted in significant damage to my credit score and has created unnecessary obstacles for me during this challenging time. 

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial stress. It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt. 

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that XXXX, XXXX, and XXXX correct this misinformation on my credit report. Additionally, I ask that Discover Financial Solutions update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations. 

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports. 

Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp. (FL)

I have disputed XXXX  times over the past XXXX years with XXXX XXXX and experian as well as XXXX XXXX XXXX and as of today XX/XX/XXXX, true accord debt collector. Since XXXX I have received countless emails and dings on my credit report for XXXX XXXX debt owned by XXXX XXXX. They didnt initially disclose XXXX XXXX the origin debt, even when disputed XXXX times.experian and XXXX and XXXX XXXX validated the debt I disputed but I wasnt provided with XXXX proof or evidence supporting their claims of validating the debt. I knew I had XXXX back then and Any proof or evidence wouldve shown the facts behind this Debt and save a lot of grief and anxiety.its XXXX XXXX XXXX not XXXX and I Shouldnt be repeatedly contacted by XXXX agencies simultaneously. This is a debt from XXXX but filed as collections in XXXX for the first time on the credit files for it to be within statute of limitations in XXXX Its an XXXX XXXX XXXX bill which never came to light until XXXX. Ive been contacted numerous times by XXXX debt XXXX simultaneously who are both trying to collect for the same debt. XXXX XXXX and XXXX. It seems like unfair and deceptive practices to manipulate the debt XXXX timeline like this. I signed up with XXXX in XXXX and they never mentioned anything. Because of their shady practices I came bringing up a bill with my current provider that was never being pursued by them until I thought I was a victim of fraud
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (UT)

I opened a Wise account XXXX weeks ago. I followed their instructions to create what they call " Account Details '' by transferring {$20.00} to the account from my regular bank here in Utah, and set up the Wise account to be able to send/receive money in XXXX. ( I am trying to receive money from CAD into USD and then receive that money into my local bank account here. ) On XX/XX/year>, XXXX XXXX, a law firm in XXXX who is working with the sale of some land that I own in XXXX submitted a wire transfer for {$54000.00} CAD to the account which Wise directed me to. This account is located in XXXX, XXXX, and it is the " Account Details '' which Wise uses to bring the money into their system.

( Note : I have worked with XXXX XXXX and know them very well from earlier business in XXXX. They have always been prompt and helpful, without any kind of problem. ) I realize these things can take a few days to process, so I waited. 

I checked with the XXXX XXXX people a few days later to confirm they had sent the money. They had done so, and provided me with a pdf. of the sheet which showed the transfer. I personally checked all the account information ( account numbers, address, etc. ), to make sure there was not a problem. Everything was done correctly from the law firm. ( I have also been in contact with them to let them know about the problem, and they have been supportive. ) I then began to reach out to Wise, which has a customer service " chat '' which mostly has automated responses. When I finally got what seemed like actually useful information ( a request to upload the transfer details from the law firm ), I did as they requested then waited a few more days. 

I kept checking my Wise account to see if anything had shown up, but it is still showing only the original {$20.00} which was necessary in order to get things started. 

Finally, today, I went through the whole process with Wise again ( starting with their " chat '' based " customer service '' and this time they said they couldn't find any record of my having uploaded the transfer details ( which I had done several days ago ). I went through this process again, re-uploaded it, and they said they would look into it ( it's now been 11 days since the transfer occurred ). I believe they are stalling, or have no intention of helping me. This could be fraud. I informed them that I would be moving onto reaching out to CFPB.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Contacted the collections dept XXXX seperate times on XX/XX/XXXX due to being in XXXX of the XXXX counties under a state of emergency due to XXXX XXXX that ravaged the state. 

The XXXX rep was rude and told me my zipcode wasnt on the list... um excuse me!? XXXX XXXX as a whole is under a state of emergency so zipcode is irrelevant XXXX rep begrudgingly offered me a XXXX month extension and asked questions such as " how much are u losing and whom do u work for? '' I fail to see how these questions are relevant XXXX rep I spoke to hung up on me after I asked to speak with a XXXX based agent and the XXXX afent decided to be rude and unprofessional when I called them out for not asking permission to place the call by saying " well u were talking n i didn't have the chance '' Then Supervisor XXXX pretty much blew me off and muted her line until I got frustrated enough to hang up
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 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.