davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: OPORTUN FINANCIAL CORPORATION (MA)

On the date of XX/XX/2023 at XXXXXXXX XXXX. eastern time zone, I had dial the dedicated customer service phone number for the Oportun 's credit card department at XXXX and pressed 1 when prompted to speak to live agent. I was able to connect effectively and spoke directly to a customer service representative for Oportuns credit card services department. His name was XXXX and he requested to give him specific information to verify my account in which I immediate did. After he verified my account with the informationI had given him, I had asked the representative if my credit card is still currently active as of today. He told me to wait while checked it on the computer but few minutes later he told me that my credit card was closed. The one and only main reason he said it directly from him what he sees in his computer was that there were " no activity '' ( no usage ) on the card. The card was closed on XX/XX/2023 and there were no explanation before or after it had been closed. I also asked him if he could turned it back on but he said that he can not and I have to reapply again. I then proceeded to ask if he could transfer me to a supervisor or someone who authorized that deals with these type of issues and concerns. He said he can not. I did not want to argue over the phone for his refusal and ignoring me to get this fix so I politely end the call. 

I had NEVER owed debts, NEVER made late payments, nor NEVER carry balances over on all/any Oportun Credit Card . The ONE AND ONLY main reason why my credit card was closed unexpectedly without proper notice was because I did not use the credit card ( no activity ). This type of act is not even serious enough to warrant to a closure. I still have direct procession of the Oportun credit card and I use it only when I needed it. Closing someone account is not right, I understand that I am a XXXXXXXX living in a city and neighborhood where it is from low to medium income area but that does not mean the people who decided to deactivate think/feel I am a nobody and I do not have the right or even privilege to have this card. Closing the card for one small thing is a slap in the face purposely.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION (NV)

When I tried to open checking account ending in XXXX, Nevada State Bank conflated my new login they insisted I create with my login for account closed by me XX/XX/2023. 
This bank refused all attempts to close new account, since they mishandled my data.
Consumer complaint received 2023-12-21
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a check for {$120000.00} to my Wells Fargo checking account. They made it available on XXXX XXXX like discussed and on XXXX XXXX they took the funds back resulting in me being negative roughly {$3400.00}. I used the available funds to purchase a new car and car insurance and now Im loosing that money on my down payment because they denied to pay XXXX due to a verification they now have to do. Not only am I loosing my down payment money but also my insurance money. Wells Fargo released the funds and removed them resulting in a negative balance on my account.
Consumer complaint received 2024-04-21
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XXXX ) I am now requesting you investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified and demand these payments be updated to paid on time immediately. Thank you for your understanding and action.
Consumer complaint received 2023-11-08
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. (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.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (FL)

Ive been using XXXX XXXX to rebuild my credit. I have an account with a company that is paid monthly sometimes I paid more than usual monthly, therefore, late payments should never be reported to the credit bureau. 


Were currently in XXXX I have {$400.00} more than the amount Im supposed to. 
My contract end XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these with all haste. Thank you for your attention. I apologize for being so angry. These oversights on your part are causing me a lot of trouble financially.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (NY)

The Child Support Enforcement Unit In New York State has been reporting outdated and incorrect information since XXXX. I have made child support payments that have not been accounted for on my consumer credit report. I will be uploading proof of inaccurate information that is being reported on my consumer credit report. Per U.S. Code 1681s-1 ( Information on overdue child support obligations states : That a State or local child support enforcement agency or a verified State, Federal Government agency can use this information can be reported on if it antedates the report by 7 years or earlier. Also per 15 U.S. Code 1681b. Permissible Purpose of Consumer Reports states : This report is only to used to establish an individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement or judgment. The consumer report will be kept confidential, and will be used solely for a purpose described in subsection ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding or, or for any other purpose and The Child Support Enforcement Unit of New York State has violated those rights.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

I am furious with Wells Fargo Credit Card Services. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to wells fargo when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!
Consumer complaint received 2024-05-09
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

This is what is wrong and XXXX  many in our country. Credit card companies provide credit and credit limits with no fees and low interest rates. Once people actually use the credit and have balances they double and triple the interest charges. I find it interesting that the mortgage industry has been raked over coals on fees. Yet the auto industry and credit card companies can kill people with fees and interest. XXXX XXXX  Kohls I had $ XXXX available and have not used my card in months and on auto pay. Sir you have 3 months of interest charges over {$75.00} each. What interest rate are you charging me now??? 31.99 %!!! Talking about predatory lending. In an economy where many are struggling due to inflation something needs to be done! Rate hikes should effect new charges not old. Rate increases need to be better controled. Please advise how I can voice these concerns to have legislation passed!!
Consumer complaint received 2023-09-25
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. (KY)

I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-21
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. (AZ)

i started receiving calls from credit card companies last month. After i talked to them, it was clear that my ex wife had something to do with it. I talked to my ex wife and she admitted to opening accounts under my name without my knowledge. These accounts are fraudulent and where open without my knowledge.
Consumer complaint received 2024-05-09
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: GOLDMAN SACHS BANK USA (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (VA)

Hi, I have reached out to the company before. 

They are attempting to collect a debt that is not accurate. I have NEVER lived or EVEN received a key to live at the apartment complex. 

I filled out an application, they sent me a lease to read over and SPECIFICALLY told me the lease wasn't final UNTIL I paid the deposit that was REQUIRED to move into the apartment. 

How it went from that to contacting me several months later saying I broke my lease and only lived on the property for a week is fraud! I feel I was forced into something that they knew they were going to commit a fraudulent act. 

I refuse to pay this debt when I lever lived in the apartments and the debt collector nor the owners of the apartments will help me. I will take legal action if this matter isn't resolved because Its causing me stress and anxiety and causing my credit to get me denials. 

I have never even had a light bill in the address mentioned. Its never been listed as an address of mine. SO how could I have lived there with no utility bills matching. 

Thanks you for verify the details of this " lease '' debt that with the debt collector. The leasing agency and the debt collector seem to be trying to squeeze the little guy.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CO)

American Express : - Issue : Two fraudulent accounts were opened in 2022. 
- Violation : Identity Theft - 18 U.S.C. 1028, FCRA - 15 U.S.C. 1681 An Amex Green card, Amex Platinum, and Amex Business were opened fraudulently in my name by XXXX XXXX, a well-known con-artist, that was XXXX XXXX, and many other names while scamming men across the country, which is very normal nowadays.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CCM Finance LLC (TX)

After checking my credit notices that a company CCM Finance was reporting a repossession on a vehicle that I never purchased further investigation led me to know that this is a buy here pay your dealership the address that was Used XXXX XXXX XXXX is an abandoned home and I never lived there The loan amount went from XXXX then to XXXX I dont understand change in this nor did I ever authorize such a transaction. Also, there is also loan from XXXXXXXX XXXX XXXXor a vehicle that I never purchased or owned also a credit card from XXXX XXXX but {$190.00} balance that I never obtained. Someone added my name as an authorized user without my authorization.
Consumer complaint received 2023-10-31
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. (MS)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: U.S. BANCORP (IL)

I am extremely disturbed with US Bank because they done everything in their power to not settle wit me. I wired {$19000.00} to US Bank on XX/XX/XXXX and was promised a settlement to satisfy my debt, however for a whole year US Bank was holding my money and was never applied to my loan. To make matters worse US Bank continued charging me interest on the {$89000.00} and late fees despite receiving my {$19000.00} on XXXX XXXX, XXXX. They misled me to believe through a recorded call that I was going to received through mail my settlement but that never happened. Instead they XXXX by just deducting {$18000.00}. from the {$89000.00}. Also after US Bank confirmed that they had received the {$19000.00} I was asked to pay an additional XXXX on XXXX XXXX, XXXX and another {$300.00} on XXXX XXXX, XXXX. According to US Bank it was for all the fees and cost still pending from my settlement documents. I am livid because they kept prolonging my paperwork settlement after I had explained and provided proof to them in regards to the money I had send them. US bank knew the money came from the severance package my husband received due to his work injury and his new income was only going to be XXXX % of what he used to maker. Moreover, they knew my home was underwater therefore I was unable to refinance to combine both of my loans which is why they decided to settle the debt with me for {$19000.00}. I am asking for justice and help a\because they fought and deny I had made the XXXX despite making it in they branch. Finally, they applied it because I mention I would be filing this complaint but still did not settle the account. Please help me get this straighten out because they already have all the money I had saved.
Consumer complaint received 2024-04-21
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. (SC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I had XXXX system for almost 10 years. XXXX XXXX recently took over from the old solar company. never been late with my payment since I had auto payment set up. recently due to their system change, they were unable to take the payment. this change of system issue been going on for than a year and every couple of months I would get call from different agent, stating they need to update billing information. with fraud and everything i been hesitant to provide payment details by phone. received another email and call beginning of XXXX and it's the same issue. this time I was waiting for a refund since they charged me late fee because of their failure to pull funds for system change yet again. instead to waiting a period so i can see refund, they reported to agency for late payment. called them right away and agreed to make the payment for XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was suggested to fail a dispute with Experian. However, even though account is paid in full and filed dispute 3 times, they are refusing to report to Experian that account is paid in full. my credit took a hit because incompetence from XXXX power company since they could not successfully merge to a new system. every time you call their collection department, they suggest disputing it and if you try to contact directly to person in charge of providing the updated credit information, they are not available. Very frustrating to deal with a company who does not value their client and ruining client 's credit because they are not competent to successfully take over a company and update to new system. For their error and incompetency my credit is taking a hit and very frustrating to try dealing with them for correction that was not caused by the client. Company needs to do better.