davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2023-11-10
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. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (PA)

Received pre-selected Wells Fargo credit card application offer for {$0.00} APR for 21 months. Applied like I have for other credit card offers, but rather than getting an approval or denial notification right away online, I received notification to call. During that telephone conversation, Wells Fargo requested all sorts of additional personal and financial information. I supplied what I could over the phone, i.e., telephone numbers, birthdate, address, SSA #, mothers maiden name, and the like. Then Wells Fargo requested even more information in the form of documentation to be sent in. I did not supply any additional information as I was concerned that it was a scam. I believed that their request was inappropriate because no other credit card company has ever asked me for that information as it was extremely invasive and onerous on me to provide. Then, I received a letter and an email denial ( see attached ). 

In the interim, my credit score has been affected and the denial record will remain on my credit score for either one or two years. Plus, I am more concerned that they will use my application information for some type of identity theft. 

Additionally, I believe that Wells Fargos offer was false advertisement, if not a scam, especially since there was no information that they would required all kinds of additional information for the application approval process. As I had mentioned, no other credit card company application offer has ever done this to me. Typically, offers are very straightforward from other credit card companies. 

I believe it was after the phone conversation, I applied for another credit card, which had a {$0.00} APR with absolutely no problem, and was approved online. I have an excellent credit rating.

Three things I would like to happen if possible : 1 ) make sure that my information expunged from their system so it is not used for anything nefarious ; 2 ) have this information expunged from my credit score record ; and 3 ) have Wells Fargo be more specific with their offerings so that its not a false advertisement. 

The file attached of the application offer may not be the original that I applied to, as I may have thrown away the original. I am not sure, as for months, I received these offers and finally decided to take advantage of one.
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc. (UT)

I have attached several screen shots of email correspondence with the company. As those emails show, the loan became past due because I could no longer afford to continue paying it off, and re-borrowing. It became a cycle that was just causing me additional financial hardship because of the added fees and tips on the loan. 

Once past due, I asked the company if there are hardship options. Over the course of a month or so, I was given two options ( neither affordable ), pay it in two installments, bi weekly, and pay it in four installments in successive two week intervals. I provided options I thought might be better for me, and those options were rebuffed. 

Also, and I included this in the screenshot emails, on several occasions the collection efforts from the company included threats of litigation, which I felt is irresponsible and unfair considering I was trying to reach an amicable solution.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (WA)

I noticed I had a collection with CKS Prime back in XX/XX/XXXX. I did not ask to settle I paid in full the amount due which was {$640.00} on XX/XX/XXXX. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. It has caused financial hardship since we are purchasing a house. I have emailed, called, and sent a certified letter. My response was I should contact another company because they bought it. I paid CKS Prime and they are the ones reporting this to my credit reports ( XXXX, XXXX, and XXXX ). Please have this company remove this inaccurate information immediately. I will attach proof of where it was paid and even a receipt emailed to me from CKS showing the balance due is XXXX.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Owes Me Money and an Apology from all the stress caused and I should be part of the class action. I Purchased my Home in XXXX and around XXXX Wells Fargo Purchased my Loan from XXXX XXXX and started changing terms ; I had till the XXXX to pay. I just dealt with it and never missed a payment. In XXXX I had to Refinance due to my divorce Decree in XXXX I had XXXX  years to remove co-owner /ex-husband off my home. We chose to do sooner then Later because of his XXXX  and due for another XXXX. I went though an Appraiser from Wells Fargo who was only in my home for XXXX minutes and undervalued my home and made comments. I did the leg work and walked into a random Realtors office and she did Comps and Found Wells Fargo 's Appraiser purposely undervalued my home and due to that I originally was not able to refinance. I took all my information and complaint to the Office in XXXX and they were finally able to help though it should not of been that way. I still have all the emails. In XXXX I was having issues and lost employment temp. I contacted WF and was paying my Mortgage Half/Half each month. Without Warning they kicked XXXX of the Payments back and put me into Foreclose. Even the Worker at the bank knew I made my payments. I tried to work with the Home Preservation Specialist and I was denied any modification or assistance and Foreclosure still Stood. I did not want to lose only home my daughter knew and came up with the funds to pay. The Day before It was due I came up with the last XXXX and went to the back XXXX minutes before they closed. The Manager informed me he already shut down his computer and I would have to come back in the XXXX. I had just started a new job and had to take time off the next day to pay the Foreclosure in Full. I did and the Money was wire at the Branch. Everything should have been back to Normally so I thought. The next week I came home to a Foreclosure Notice Posted on my door. With insult to injury after borrowing almost XXXX to pay money I know I paid and I was then charged legal fees after the fact. I live in fear every time I get a letter from wells Fargo or they don't post my mortgage on time and say it is late. I have called several times and get the runaround they are looking into it then they send a letter they are not in the wrong. Then they sold my mortgage in XXXX I wasn't Notified until end of XXXX and new Mortgage says I am a month behind.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have no signed contract with XXXX XXXX XXXX XXXX XXXX XX/XX/23. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXXXX/XX/23. I have no knowledge of this debt or account.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For the past several years - at least 3 and probably more - I am continually being asked by Capital One to update my income. I have received letters about this via the US Postal Service. I have received emails about this to the email address Capital One keeps on file for me. And immediately after logging into my Capital One account I continue to receive numerous notifications telling me to update my income information. A few years ago when this first started these income requests were infrequent - approximately once every 2 or 3 months. In the last three months, the requests have been more frequent. They now only occur immediately after I log into my Capital One account, approximately every 3rd or 4th time I log into my account. 

Due to this increased frequency, on XX/XX/2017, I called the Capital One Executive Office at XXXX. I talked to XXXX. Essentially I told him what I described above. My purpose for calling the Capital One Executive Office, and not the regular Capital One credit card phone number, was due to my desire to speak with someone who could put an end to this - to cease these continued and continual requests for the same information that Capital One already has. Towards the end of our conversation, as I pointed out to XXXX and as XXXX acknowledged, my providing this information is voluntary. And as XXXX explained to me, I have the right not to update this information. 

Unfortunately, the phone call to the Capital One Executive Office was completely ineffective. The frequency with which I am being asked for this information has continued unabated. But as of today, XX/XX/2017, Capital One added a new twist to this. Prior to XX/XX/XXXX, when I got this screen immediately after logging into my account, I had one of two options to choose. Option # 1 was to continue ( to update my income ). Option # 2 was something to the effect of " remind me later '', or " not now '', or " go to my account ''. In other words, prior to XX/XX/2017, I could choose to ignore this screen and go directly to my account. But as of XX/XX/XXXX, only one option existed - " continue ''. So what Capital One did as of XX/XX/XXXX was to force me to go to the next page to update my income. If I did not do this, Capital One provided no other way for me to bypass this and access my account. In essence, I was denied access to my credit card account information. I have attached a PDF version of the income request screen as it appeared on XX/XX/2017.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, SC. XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-16
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. (MO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy anad confidentially under 15 usc 1681 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15usc section 1681 602a state i have the right to privacy.

15 usc1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1681c ( a ) ( s ) states no consumer reporting agency may make an consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 usc 1681s-2 ( a ) ( 1 ) states 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 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: OPTUM BANK, INC. (CT)

I had an HSA ( Health Spending Account ) in XXXX. As XXXX approached the end, I contacted Optum Bank to ask when my access and ability to charge medical costs to the card. I was told that I would have no access to the account since I had to use all of the funds I contributed to it no later than XX/XX/XXXX In the first quarter of XXXX, it turned out that the account was still active and could be used to pay for medical costs. 

Last month, I realized that the full turnaround from " the account is closed '' was worse than I had thought when I realized that Optum bank was charging monthly fees on the card at {$2.00} a month. 
To reiterate, the bank went from your account is closed and you can not use it to the bank themselves using it to get fees. I find this to be harmful to the consumer especially when it is a card intended to be used for medical expenses.
Consumer complaint received 2023-12-14
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. (CA)

On XX/XX/, using TU 's online dispute system, I disputed the amount due on my XXXX card. Thereafter, instead of correcting amount due, TU deleted the card account entirely from my credit profile. This led to a significant drop in my credit score as this was a longstanding card with no derogatory entries. 

I have repeatedly spoken to TU demanding that they re-insert my XXXX account on my credit profile. I have sent them a letter from XXXX stating that XXXX had reported the account balance and payment history to TU. To date, the XXXX card has not been re-inserted. 

I did not request the account be deleted. Rather, I simply disputed the amount shown on the report as being due. 

I have sent a letter directly to TU asking it to re-instate the card. 

To date, the card has not been put back on my credit profile
Consumer complaint received 2024-03-16
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-14
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: Rent Recovery Solutions (LA)

Around the time that I turned XXXX XXXX XXXX on XX/XX/, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX years of age.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a substantial amount of points with CapitalOne in their rewards program ( over XXXX points currently ). I always pay on time. Their system has an IT issue that has been happening for months now XXXX XXXX XXXX XXXX ) that prevents access for myself and to other consumers to our points. 

The customer service team literally told me they didn't know when or if I'd be able to ever access my points again and that one day, maybe, my phone number would be allowed, or it might not, and they didn't know why or if or when it would ever work to allow me access to my points. 

It's unacceptable that CapitalOne act with such capriciousness with the rewards they marketed and promoted ; I would not have used their product if I knew that I would not have access to the points I've earned through their program. They are unjustly and unfairly withholding promised and financially meaningful services with XXXX regard for resolving in a timely manner my access to said points. I have credit cards with a few other providers and none have this issue. 

Especially given the time sensitive nature of booking travel with the points, this has caused not only wasted hours on the phone but missed opportunities to book travel that is no longer available.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX transunion and XXXX stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.