davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (AL)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My balance is about {$500.00} under the limit but the available credit is only XXXXne dollar. I have been given multiple answers as to why but can not seem to resolve the issue- the available credit is still not correct. It has been in this status for about 5 business days, I filed a dispute today and now I am told the issue is the amount of todays dispute which is not possible, as it has been this way for days. I cant get a straight clear answer as to what the issue is. Calls to the company span from 30 minutes to over 3 hours. I need help resolving the problem and am tired of always speaking to a new person. Today after being on the phone for over 30 minutes speaking to multiple departments, I was supposedly transferred to a supervisor, but I was transferred and told that this office is closed. This is the second time this has happened in the last two days.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

I HAD A UNAUTHORIZED WIRE TRANSFER TO MY SAVINGS ACCOUNT ON XXXX XXXX XXXX FOR XXXX XXXX XXXX DOLLARS AND ANOTHER CHARGE FOR XXXX XXXX WHICH I DID NOT APPROVE. WELLS FARGO SAID SOMEONE CALLED IN AND PROVIDED ENOUGH ACCOUNT INFORMATION TO APPROVE THE TRANSFER WHICH I KNWE NOTHING ABOUT AND HAVE NEVER MADE A WIRE TRANSFER IN MY LIFE WITH ANY FINANCIAL INSTITUTION.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX 15 U.S.C 16881 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A Section 2 : IT Also state 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 CONTAINIG ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT 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 2024-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2024 I opened an everyday checking account and a savings account with Wells Fargo. On that date, it said on the website ( I have a picture ), if you set up online the promo code will automatically be added, and as long as you direct deposit XXXX within 90 days you will receive XXXX for the promotion. 

I deposited well over XXXX, way before the 90 days was met, and when I called just to check up on when I would be receiving it, the person on the phone told me he didn't see a code so I needed to go into the bank. 

I went into the bank, showed the representative that the site still says the same thing, he tried to go in and see, and no promo code showed up for him either. He called whoever helps employees, and that person said there was no code so he would have to file a report. That was last week and I have not heard back ( he did say it could take a while ), however, this is my money that we are talking about, and I am very upset because it is false advertisement. ( by the way, I do feel like the representative tried to be helpful ), unfortunately wells fargo customer service for employees and customers seems pretty useless. 

I followed through on my end, now I want wells fargo to follow through on their end.
Consumer complaint received 2024-07-30
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. (GA)

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer FICO 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 Auto loan account opened at XXXX XXXX opened XXXX. XXXX, 2024 account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX XXXX opened XXXX. XXXX, 2024 account number ( XXXX ) This accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (VA)

I disputed the inaccurate information multiple times and requested validation and methods used for verification. Checkr only sent me electronic reports ( no validation ). I spoke with the company to opt out and freeze reporting with Checkr. Checkr responded by stating the company can not freeze reporting and that if a company seeks a report they would repeat their process of releasing my private information. I notified checkr that they do not have my consent to access any of my information nor use any of my private information. I invoked all of my rights yet Checkr violated all of my rights and privacy. Checkr caused damages and harm by continuously reporting inaccurate and unfair and false information and reports. Checkr uses unfair practices. Checkr refuses to send their method of validation. Checkr refuses to verify the information and reports. Checkr have not acknowledged my requests. Checkr has violated my rights and all of the consumer laws and protections. Checkr repeatedly stated they would get information using public information sources and XXXX records. Those methods are not accurate or without error. Checkr has a requirement and legal responsibility to prove that the records or information that they obtain and report is 100 % accurate. I have reported to Checkr that the records are inaccurate to no avail. So Checkr will continue to violate me and other consumers willingly. I do not have any public information so its not accurate and i never gave XXXX permission or consent to contract on my behalf. I never gave XXXX XXXX to release any information. If I am telling Checkr and its representatives that records are inaccurate, fraudulent, or incorrect then their should be a process to remove the records. What this company, Checkr, has done is ignored and disregarded everything I stated and Checkr chooses to ignore the disputes. I submitted the disputes in every way Checkr allows which is by phone and via their website. Another unfair practice Checkr uses is they want the consumer to dispute multiple times although they are providing the same reports to different companies. I reserve all of my rights.
Consumer complaint received 2024-07-28
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. (PA)

Recently i looked at copy my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
please delete as soon as possible.
Consumer complaint received 2024-07-28
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. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau , I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (CA)

For nearly 11 years I have worked in XXXX XXXX. Mohela has repeatedly delayed and caused issues with my PSLF progress. After finally receiving correspondence that they forgave the loans, they are still leaving me with a balance. All of my loans were part of my PSLF program and I should be left with XXXX balance. Furthermore, Mohela collected several months of payments from me after the date I was forgiven.
Consumer complaint received 2023-11-03
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. (CA)

An account from XXXX XXXX XXXX XXXXXXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXX as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from Mechanics Bank .

When I contacted the collection company, I was told the account was sold to : XXXX XXXX XXXX This collection company never sent me a notice that they had this account in their office. 

I called XXXXXXXX XXXX XXXXXXXX XXXX on XXXX to see who holds the collection of this account. XXXXXXXX XXXX XXXX XXXX XXXX told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called XXXXXXXX XXXX  back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX XXXX he gave me their number and account number. 

On XXXX I called XXXX XXXX and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to XXXX XXXX  back in XXXX of XXXX. 

On XXXX I called XXXX XXXX  and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXX ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor XXXXXXXX XXXX sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from XXXX XXXX back in XXXX. 

XXXXXXXX XXXX  removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (OK)

I purchased a vehicle in XXXX of XXXX and financed through American Credit Acceptance. I have made payments every month for XXXX years, no late payments. My payments are {$560.00} / month so in total I've paid over {$12000.00} and my loan balance has only decreased by {$2000.00}. 
I went to trade the vehicle this week and the dealership told me my car was reported on my credit as a " loss due to natural disaster '' and has affected my credit for the past XXXX years. I haven't gotten anywhere with American Credit Acceptance and my credit report is wrong and I'm not sure if they've been applying my payments to my loan correctly. I think this was an intentional write off by the company to acquire COVID relief money.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (TN)

PNC bank has been the lien holder on my auto loan since purchasing the vehicle in XX/XX/XXXX. I have never refinanced or done anything with the loan, except for moving in XX/XX/XXXX & having to change my address, which was a nightmare getting PNC to even update that. Payments were always made to PNC Bank. Never any other company. I paid off the auto loan with PNC on XX/XX/XXXX. Per the state of Tennessee, the title was to be sent out in XXXX business days. On XX/XX/XXXX, I realized I still never received the title so I proceeded to call PNC Bank to report the issue. They advised it takes them up to XXXX business weeks to process it and that my case was untouched but that it should be resolved by the next week. On XX/XX/XXXX, I again realized PNC Bank failed to follow through on their end as I still hadnt received the title. So I called PNC Bank to get more of their excuses. This time they are saying that they do show I did in fact pay off the vehicle on XX/XX/XXXX but that the title was sent to an XXXX XXXX XXXX XXXX ( Ive never heard of or interacted with them ) in Ohio. And that the date sent to that credit union was XX/XX/XXXX ( the day after I originally called with my first complaint ), but the PNC Bank employee entered on XX/XX/XXXX that the lien was paid off in XXXX. The PNC Bank representative advised she opened a case for them to investigate and get the title issued correctly to me. She said I need to follow back up with PNC Bank in a week. Why cant PNC Bank follow up with me? What excuse and lie will be told next week when I reach out? How do I resolve this to get my vehicle title that was paid off XXXX weeks ago?
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 ( BALANCE ON THIS ACCOUNT IS INNACURATE ) XXXX XXXX XXXXXXXX XXXX 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 finish 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (AL)

I just XXXX my credit report and I seen XXXX hard Inquires on my account one from XXXX  loans and XXXX from XXXX XXXX card I contacted XXXX and experian they had me reach out too you all I did not authorize any one too pull my report or create a hard Inqiry which has made my screen drop tremendously also I got a letter from XXXX XXXX XXXX services saying my account is in a data breach and offering free indemnity theft protection
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On or around XX/XX/year> I was a victim of identity fraud in the amount of {$1700.00} and the balance old is {$1900.00} I have one to my local police district and made a police report and I have copies of the report the student account or loan was open with my information but I'm not the one that applied for it I have contacted this company more than once I was just recently told from the US department education that this is not their issue but they're still reporting on all my credit reports this account is a fraud and under that fcra law estates us 15 code 1681 e that any information on a person 's credit report that is inaccurate it must be updated and removed immediately this account is a fraudulent account and it should not be reported on my credit report
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I just ch3cked my credit report and I seen XXXX hard Inquires on my account one from XXXX loans and one from XXXX XXXX  card I contacted transunion and XXXX they had me reach out too you all I did not authorize any XXXX too pull my report or create a hard Inqiry which has made my screen drop tremendously also I got a letter from XXXX XXXX XXXX  services saying my account is in a data breach and offering free indemnity theft protection
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

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.

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.