davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (GA)

This account was paid to the original debtor and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPORTUN FINANCIAL CORPORATION (NY)

I had a savings account with Oportun online bank for XXXX years. On XXXX  XX/XX/XXXX at XXXX, I closed my account and received an email from the stating my remaining balance of {$370.00} should arrive in bank account by XX/XX/XXXX. On the evening of XX/XX/XXXX, i sent an email stating I have not received my money and asked why haven't I received my money and when can I expect it. The customer service agent responded that the bank has til XXXX XXXX " on the last business day ''. The other information presented was to check the help section of the website for what happens when you close your account. 

I've never had a problem receiving withdrawals from Oportun into my XXXX account previously and I'm trying to find out what the issue is not but they refuse to look into the matter. I even contacted XXXX and they stated they haven't received any other deposits from Oportun.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a XXXX from Bank of America with cover stating " Important Opportunity Enclosed '' offering assistance on my loan modification, that offer requested that I contact XXXX XXXX by XXXX XXXX, XXXX to take advantage of the " proposed '' opportunity. I called XXXX XXXX at the telephone number on the letter approximately 5 times but her voice mail stated that she would return by XXXX/XXXX/XXXX ( XXXX day before my deadline of XX/XX/XXXX ) but no call back. I even called the number that XXXX XXXX left on her voicemail indicating that if I have an emergency to call ( XXXX ) XXXX but no one answered the line and after a few rings the line disconnected. What am I to do, when I call and get no answer??? 

I would like to discuss my particular situation with the bank but to not prevail. I always feel that I get a perpetual run around with Bank of America. 

I assume that they are contacting me because of my complaint filed with the CFPB regarding my being overcharged on my loan modification because of the bank 's dubious practice/tactics of shepherding me to foreclosure by intentionally denying me a loan modification from the very beginning when I first applied in XX/XX/XXXX. Now I am being charged over {$180000.00} in additional costs because of the bank 's tactics of denying and then adding on more and more costs. I am being charged for their tactics. Now I can not get in touch with the banks representative, XXXX XXXX.
Consumer complaint received 2024-01-24
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. (PA)

Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint against EQUIFAX regarding their failure to update my address information despite multiple attempts over the past two months. Despite providing ample proof of my updated address, the necessary changes have not been made to my file. I have followed up numerous times via phone, mail, email and have spoken with various representatives, each assuring me that the necessary adjustments would be made promptly. Regrettably, despite my persistent efforts and the submission of documented proof of my new address ( attached for your reference ), the required changes have not been reflected in my credit file. This oversight is not only inconveniencing but also concerning, as it compromises my ability to receive important financial documents and potentially exposes me to security risks associated with outdated personal information. As a consumer, I expect timely and accurate updates to my credit information, especially when I have provided clear evidence to support such changes. The lack of response and action from EQUIFAX is unacceptable and represents a violation of the Fair Credit Reporting Act. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that EQUIFAX fulfills its obligations to maintain accurate consumer information promptly. Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that is needed to be UPDATED. The 3 credit bureaus must verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed item get corrected. 
XXXX XXXX
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Well I made a dispute with Wells Fargo regarding a {$4000.00} transaction with a merchant I made a purchase through but I didn't receive the product as promised so I reached out to the merchant to see if we can come to a resolution of a refund the merchant declined and then cut me from all of the services I have paid for and so I follow it up with Wells Fargo which to make a dispute regarding this issue and I was denied from Wells Fargo about this dispute as of yesterday.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

We experienced the exact same awful conduct as described in the XXXX article - XXXX XXXX XXXX? XXXXXXXX XXXX XXXX Capital One XXXX  In XXXX, the lender introduced a new savings account called XXXX XXXX XXXX. Existing customers were kept in older accounts that had a similar name, XXXX XXXX, which the bank previously advertised as having a great rate but has since closed to new customers. When the Fed started its rate increases, Capital One only raised rates on XXXX XXXX XXXX accounts. 

My husband happened to see this reporting a few months ago and switched our account over to get the better interest rate but no doubt we missed out on thousands of dollars in the last 3 years due to this bait and switch tactics by Cap One. It is outrageous.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Indie Technology DBA Found (AZ)

They told me that they wouldn't refund the money and that I had to prove that I tried to resolve it. So I did prove that I had tied. I found the company in California. I also found that my phone number had been changed on my account. They did nothing for 3 weeks and XXXX customer service sent me an email. They would refund {$46.00} but not the {$1200.00} to a company in California
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I was scammed out of {$1600.00} on XX/XX/XXXX. I filed a claim with a Wells Fargo representative as soon as I realized the two withdrawals for {$800.00}. and {$800.00}. I was on the phone with the scammer and with Wells Fargo rep at the same time. I informed Wells Fargo that I did not authorize those withdrawals. The Wells Fargo representative told me to hang up the other phone with the scammer. 

Funds were placed back into my account. On XX/XX/XXXX the funds were reversed causing me to be overdrawn by over {$1500.00}. 

On XX/XX/XXXX I scheduled an appointment with XXXX XXXX ( teller/manager ) to explain the situation. XXXX called the claims department for Wells Fargo. She explained the situation, expressed frustration, and ended the call. Branch Manager XXXX XXXX was present. XXXX stated that she was going to file a complaint against the Wells Fargo Claims Department and that someone would contact me in XXXX hours. Nobody ever contacted me. 

On XX/XX/2023 I sat with XXXX XXXX Branch Manager and she knew the situation. She made some calls and then told me that there was nothing she could do and that the claims department would not reimburse me. I requested XXXX to listen to the phone conversation where I clearly stated that I did not authorize those withdrawals and where the Wells Fargo teller tells me to hang up the phone with the scammers. XXXX stated she could not access that phone call at that time. I would have to do a formal request. 

On XX/XX/XXXX XXXX
Consumer complaint received 2023-11-06
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: Transform Credit Inc. (GA)

On XX/XX/2023, Transform Credit Inc report a new installment loan account to my XXXX credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for Transform loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with XXXX on XX/XX/2023. Transform emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, " each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX XXXX, Transform told XXXX that the {$3000.00} loan should " Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I contacted the three credit bureaus to inquire about inaccurate information that is currently reported on my credit profile. XXXX XXXX XXXX is an account that was opened on XX/XX/XXXX, on my profile. The account number is XXXX and has a balance of {$3200.00}. It was opened against my knowledge and consent and is a Collection account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CA)

Account with Department of EducationXXXX was transferred to MOHELA for PSLF eligibility XX/XX/2023. When contacting XXXX about their still " OPEN '' trade line with a balance of {$88000.00}, they stated that they transferred the trade line with instructions to MOHELA to update the trade line rather than adding a trade line and because of that they ( XXXX ) are not able to do anything with the trade line. Upon calling MOHELA and speaking to several representatives and being on hold for many hours, the issue is still not resolved. I submitted an inquiry to MOHELA around XX/XX/XXXX with information they requested from me including credit reports showing the trade line from XXXX. They have yet to resolve the issue or get back in contact with me. I have also disputed the credit line with XXXX numerous times with no success at getting the trade line balance updated or even to show as a closed status. They requested information from me showing that the XXXX accounts were in fact transferred, which I did submit. I also submitted to them a PDF document directly from my XXXX account showing that all my balances have a XXXX balance. At this point my credit is being incorrectly reported by the credit bureaus and I am unsure how to go about getting it corrected.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

Upon inspection of my credit report, I noticed the following information is incorrect : Full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

Date of birth Current address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

Employer - This is not my employer, please remove employer from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/ I disputed an interest charge of over 100 %. When I spoke with the representative the account was corrected and I paid the remainder of {$400.00} and on XXXX XXXX  I paid the account in full with a remaining balance of {$350.00}. I requested a payoff letter and that the account to be closed. On XXXX XXXX XXXX  I received a new bill for {$800.00}. I am requesting a investigation for deceptive practices and fraud.
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (MD)

The company contacted me via text on XX/XX/2024 Without telling me they were a debt collector attempting to collect a debt. This is a direct violation of 15 U.S. Code 1692e ( 11 ) which states " ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ''
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IN)

I have spoke with midland credit management and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged.

Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with GLBA and how it entitles them to report my non public information. According to GLBA, as attached in the documents, you are still violating my rights and this instance does not fall within the GLBA guidelines as an exception.

Remove this account immediately and pay the {$1000.00} per violation I requested last time for each time this has been reported.
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

Letter sent to Big Lots XX/XX/XXXX XX/XX/XXXX Big Lots XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX Account XXXX Ending in XXXX I am contacting Big Lots to advise I will not be paying the Late Charge from the XX/XX/XXXX statement and now the interest on the XXXX statement. I have numerous credit cards ( XXXX XXXX, XXXX, XXXX, etc ) and have never had a late fee charge on any of these cards. I continue, every few months, to be charged with a late fee from Big Lots. 

Quite frankly, I have no idea what is going on with your Accounts Receivables, but I believe mail is being held in order to charge late fees to consumers. I am sending a copy of this letter to the XXXX & FTC for further investigation. 

You may contact me with any questions. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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