davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRUIST FINANCIAL CORPORATION (PA)

Re : Light Stream inquiry. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And it has been well, established any company reporting to the credit bureau is considered a consumer reporting agencies to which this company had 4days to Delete this inaccurate information and they did not. Its been well over four days and this information is still on my credit report to XXXX which is a clear violation. This company has been previously provided with an identity theft report along with photo ID and proof of address. This is the third attempt to address this plight.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/24 {$25.00} XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$35.00}
Consumer complaint received 2024-04-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MS)

I called Wells Fargo XX/XX/XXXX and notified them that I hadn't received any information or settlement payment when I should have been. The reps name was XXXX and she said she submitted the claim and I should receive info regarding this claim within 30 days. On XX/XX/XXXX I spoke to XXXX at Wells Fargo and she gave me a different number. I then spoke to XXXX who said their was no way to take action and that he has no info to help me. The mortgage number is XXXX. We had originally been approved for a HAMP in XXXX and then a rep named XXXX stated on our account that the HAMP was cancelled per our request which was incorrect. Then in XXXX we received a letter saying they were unable to approve our HAMP because our debt to income was below 31 %. They forclosed on us XX/XX/XXXX.
Consumer complaint received 2024-04-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

This debt it being marked as a recent collection which in return dropped my XXXX XXXX. Debt collectors are not allowed to drop my XXXX XXXX again even when they purchase a new debt account. This account has been in collections since XXXX but in XXXX of XXXX its showing as a recent collections which resulted in my credit dropping. Attached proof that debt was before XXXX. Should not be impacting my score again.
Consumer complaint received 2024-04-21
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kovo (FL)

This account I believe was linked to credit rebuilder application. I never signed up and never authorized XXXX $ to be pulled monthly for the next 3 years. I noticed the fund pulled, immediately stopped it and disputed it when i recently noticed on my credit. I contacted customer service and they will not close the account and refuse to work with me, Kovo Inc . 
account # XXXX XXXX XXXX -- reported as invalid date balance = {$220.00} Credit Limit XXXX XXXX 120 days late revolving = no Account Open= yes and responseto close it or remove it after numerous attempts
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (TX)

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with CONN CREDIT CORP/ CONN APPLIANCES INC . Upon reviewing my credit report dated XXXX XXXX, 2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX, and I am sending this request again to address the fraud account on my Credit Report. I received a letter from CFPB that Credit Bureau closed my complaint with Complaint # XXXX, XXXX, and XXXX to protect my PRIVACY. As of todays date, the 3 credit Bureau has not responded to my dispute.Below the account which do not belong to me or was opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$36000.00}.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

This Loan account has been paid and closed please remove from credit report. 

CAPITAL ONE AUTO FINANCE POTENTIALLY NEGATIVE Account Info Account Name CAPITAL ONE AUTO FINANCE Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$17000.00} Highest Balance-
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CA)

15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding that debt. 

" I recently reached out to OneMain Financial Services regarding a collection appearing on my credit report. They informed me that my account was closed. However, I've noticed that the reported dates keep changing, making it appear as though the account is still active. Despite being marked as opened in XX/XX/2019, it continues to be reported monthly, significantly impacting my credit score. '' this account is closed and no longer handled by one main financial.
Consumer complaint received 2023-06-22
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. (GA)

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

Account name : XXXX XXXXXXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX  XXXX Account number : 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 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was terminated by CapitalOne for as they have stipulated " profanities '' with their customer service representatives. The card was canceled, and all debt was paid. 

However, they have an ad on the Internet for " no credit check, '' and I applied for another card with CapitalOne. I was a CapitalOne customer for about 25 years before I was canceled, and I have/had excellent credit ratings. 

I had asked them to cancel my request for another card, as they indeed did check my credit scores ( which lowers the values ), had sent emails to CapitalOne about several issues, tried calling them ( I wasn't a member, so I could not get through most of the time ), and eventually conceded to accepting the decision for the new card. I was approved, and after at least a month, received the card. In my emails and calls I made, I brought up the concern that CapitalOne has declined in it's customer service, and virality, such as by offering a card based and lying about the credit check. 

I recently canceled my card, as I was frustrated with more run arounds from customer service. 

Two days ago, I received these letters from CapitalOne. This is adding insult to injury I my opinion. I don't owe them a penny, never charged the new card, and find this very disturbing.
Consumer complaint received 2023-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a Victim of Identity Theft and explained that to XXXX, XXXX and TransUnion, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( XXXX off ), TransUnion- ( XXXX off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

XXXX. XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I opened my Citizens checking and savings accounts pursuant to a promotion offering {$2.00} for each debit purchase transaction, and {$300.00} for depositing {$500.00} into savings for each of 3 consecutive months. I satisfied all requirements within the prescribed time frames, but Citizens has refused to post the {$100.00} and {$300.00} bonuses that I earned. To add insult to injury, Citizens is draining my funds with service fees. I would have closed my account already except that would let Citizens off the hook for the bonuses it owes me. Citizens should not be allowed to lure consumers into Citizens products and then fail to honor its advertised promises. I do not want the bank to call me unless to say it will post the bonuses and refund the service fees.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am preparing to apply for a mortgage. This is my SIXTH REQUEST for Equifax remove the compliance code comments/remarks that state Account previously in dispute now resolved by data furnisher and Consumer disputes this account information from the Comments and Comments 1 sections of my Equifax Consumer Credit Report for the following account : XXXX XXXX XXXX XXXX XXXX XXXX 

I am NOT disputing the account information or how the account is reporting. My only concern is the compliance code comments/remarks that utilize the wording Account previously in dispute now resolved by data furnisher and Customer disputes this account information. 

Kindly remove all comments from the above-referenced account that reference any dispute wording. I have included the relevant portion of my XX/XX/2023, Equifax Consumer Credit Report with the items highlighted and circled to assist you with identifying the items. 

Additionally, I recently reached out to XXXX regarding this matter. I have included their response dated XX/XX/2023, agreeing to remove the disputed status. However, the items are still being displayed on my Equifax Consumer Credit Report.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Name of Account Account Number Verification OFFICE OF THE ATTY GEN XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX XXXXXXXX Identity Theft. 
XXXX Identity Theft. 
XXXX  Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identitu Theft. 


Thank You, 
 XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: UMB FINANCIAL CORPORATION (KS)

There was a fraudulent attempt to take out a consumer loan under my name. A Hard inquiry was reported on my credit report on XXXX for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calling the number listed was of no help. I looked up and contacted the address above and explained the fraudulent activity. I explained that there was a hard inquiry on my credit report and an attempt by an identity thief to open an account or take a loan out under my name. I explained how I was going to report this information and dispute the hard inquiry and was trying to gather more information for the report. I was told that they couldn't help and I would need to dispute the inquiry with the credit bureaus. 
XXXX said they didn't have any information to provide because the fraudulent attempt was unsuccessful in establishing a loan.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

Westlake took over servicing my car lease from American Car Center. After not validating the debt properly Westlake Repossessed the vehicle, they over charged on repossession fees and they never sent a right to cure letter. My vehicle was picked up on XX/XX/23 and as of today XX/XX/23 I have received no paperwork about my vehicle, only a bill every two weeks. I believe they sold the car on or before XX/XX/23 because the title was updated that day, I was given no notice of a sale taking place.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I have tried to get all overdraft fees reversed, but was informed that they were unable to due to their policy. 
Below are the dates and fees as well as successful fee reversals for the year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-10-27
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

TD Card Services has recently changed their online payment process for cardholders so that when you go to pay, the options that show are " minimum payment '' ( which is what they are sneakily trying to get more people to only pay ), " current balance '' ( also sneakily trying to get people to select this so they are paid more than actually due at that time and can invest extra and make more money on consumers ' $ ) or " other amount '' - where you then have to type in the amount. Conspicuously missing now is the option that was always there and is always on every credit card, which is the " statement balance ''. 

This is VERY deceptive and misleading. It is also ANNOYING because now in order to pay the amount that is actually DUE you have to go find what that amount is by viewing a statement balance, remembering that amount, and entering it into the " other amount '' option. Many people will simply pay the full or minimum, neither of which are the best option for the consumer. This was clearly an intentional choice- i spoke to a representative who explained that was one of the updates they made recently. This is deceptive practice and should not be permitted. They should be REQUIRED to give payment option that shows your statement balance. Please let me know if CFPB can do anything about this.