davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NORTHWEST BANCSHARES INC (PA)

I had a check run through twice. Check # XXXX ran correctly for {$650.00}, then ran again, incorrectly for {$670.00}. I wrote the check XX/XX/XXXX, they were debited on XX/XX/XXXX. Northwest Bank. I notified them of this error XX/XX/XXXX. They dont seem to care. I feel this is theft, and they should give me my money back. I was told that they sent the information somewhere for them to look into it. I dont know who is looking into. Every time I call and ask about it, they are very rude. USSCO Federal credit union was where the check should have been debited from. I contacted them, they said they couldnt do anything, because Im not a member. I have also contacted the company who received the funds, XXXX XXXX XXXX, I havent gotten anywhere with them, either.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (OH)

Upon reviewing my recent credit report, I noticed an inquiry from CRDCO, XX/XX/2022, XX/XX/2022, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2023-03-13
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. (CA)

In accordance with the Fair Credit Reporting act The following accounts : XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, They all have all violated my rights under the following ; 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.
Consumer complaint received 2018-03-20
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 — Investigation took more than 30 days
Company: ASSOCIATED BANC-CORP (WI)

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and Associated Bank has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, Associated Bank confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc. (GA)

I was contacted by phone numerous times by said collection agency. I asked what it was in reference to and they said due to privacy they can not tell me. I asked for a statement in the mail describing charges and never received one. I called my insurance and they provided me a letter stating I have a XXXX balance. I contacted XXXX XXXX who also stated I have a XXXX balance. I have no idea who is requesting money or what it is for.
Consumer complaint received 2024-03-29
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. (FL)

On XX/XX/2024 XXXX XXXX XXXXXXXX XXXXXXXX XXXX  added a derogatory on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

In XXXX XXXX XXXX, I contacted each of the 3 agencies and requested that my credit score be changed to zero ( 0 ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all 3 bureaus..

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.
Consumer complaint received 2023-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Debt is not mine and was previously removed from my credit report due to fraud. Portfolio Recovery Llc keeps calling me several times a day even though I have asked them to stop calling me. They even filed a fraudulent lawsuit knowing that the dent is not mine that was dismissed.
Consumer complaint received 2023-05-31
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

I have been paying for a private since 2007. I was enrolled in XXXX XXXX XXXX. XXXX fraudulently applied for this private loan. I have contacted Navient and they state this loan information is correct. I asked for original loan documents and they stated they do not have to provide this information.
Consumer complaint received 2023-05-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc (CA)

Hello, on a second refinance of the home at XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. The XXXX  that Change Home Mortgage uses, allows special concessions for those with financial challenges, and though we have an 800 credit score and majority home ownership asset on a home appraised recently at {$910000.00} CDFI  helps an income stream challenge. The first refi was done with XXXX XXXX  XXXX CDFI  and has changed its name to Change Home Mortgage ) and this refi is 100 precent successful, never missing one mortgage pay an is up and running and current. They did require some course as part of the protocol of first time use of CDFI loan. Currently we have a show stopping refi stopping controversy as they Change is insisting that a course called " First Time Homebuyers Course '' be taken. Objection has been made for a. this is a refi not a home purchase. b. why would we need to take a same or similiar course that was taken for the first loan that is still current? c. the course forces lying as many questions pertain to a home purchase that is an n.a. and the only way to proceed is to lie about the answer and perjur! If this is so important, why does Change have a home refi course? Since the course has been taken and that loan is still active, this should be waived. The other major issue, is Change was incompetent about took a month to decide on what action to take on a home investor, that has a smaller stake in the home as to subordinate them or what, when all they had to do is spend a day to check their policy and find out it would be necessary to buy out this investment. There was no need for them to delay the loan, that is time sensitive ( they caused a mortgage late charge due to this ) and this delay is causing mortgage and financial jeopardy. Worse yet Change absurdly tired to blame us for this delay, when there is no way we can dictate or interfere with their own policy to subordinate etc. so they have been dishonest about this and in consequence have made us several weeks late on their own deadline to complete the loan as if it is not completed then they said they will charge a large additional amount to continue it, when this delay was all their fault as they have had XXXX months now and when the first CDFI refi was completed in just over XXXX weeks! XXXXChange should offer a FREE extension on this loan, waive the course, and proceed to finalize immediately as their delay are also interfering with a funding donation for a public safety organization.ps not true that we delayed this ( could not do that on policy issue ) as our agent/rep was told to tell state any work that was needed by us and its deadline and we missed none of this!
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (OH)

Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX XXXX on XX/XX/21, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report.

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history.

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally.

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2024-03-29
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

In XXXX Best buy automatically charged my card for XXXX XXXX I called in XX/XX/XXXX and had the charge removed as I utilize the business XXXX XXXX my business I asked for the subscription to be removed from my account so that I will not be charged in the future I was told they had removed In XXXX XXXX I had an alert stating I had a balance on my best Buy card I had not used the card, it was the XXXX XXXX  XXXX I called multiple times They did not refund me the full purchase price-they refunded {$59.00} on XX/XX/XXXX I called to get the rest removed and I was under the impression it was getting removed-as a letter from Best Buy dated XX/XX/XXXX states they credited my account the remaining difference However, The balance of {$4.00} remained and was reported to the credit bureaus My credit limit was decreased This was all set in motion by a charge that I did not authorize Best Buy has not been helpful in rectifying this situation
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was listed as part of the XXXX data leak from Florida XXXXXXXX XXXX XXXX It was recommended to login to TransUnion and put a freeze on my credit requests. I tried logging in and didn't have a valid login. I then tried to create an account, and it fails to let me login. 

When trying to login with email address and the newly setup password, login fails. States to call customer support at XXXX. I call the number, it picks up, and then hangs up about XXXX seconds later. 

I've been trying since XXXX  ( XXXX ) to login to freeze my credit request and it's not working. I'm concerned someone will open new credit accounts in my name.
Consumer complaint received 2023-05-31
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. (NC)

I have contacted Experian, XXXX, & XXXX in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to Experian, XXXX, & XXXX. 

Experian, XXXX, & XXXX is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.
Consumer complaint received 2024-03-29
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. (NC)

A false inquiry came up on my credit report because someone tried to open up a credit card at XXXX XXXX. I would like this removed off of my credit report immediately.
Consumer complaint received 2024-03-29
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. (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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CA)

I am trying to get a home and I have filed identity theft because there has been an abundance of inquires on my report. I can't get anything let alone I refuse to have my credit ran with all these inquires on it. 15 USC 1681
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I flew via XXXX XXXX from XXXX to XXXX. In the process of boarding, an airport official asked me to verify my carry-on bag fit into their carry-on verification compartment. Prior to me even trying to fit my suit-case in the compartment, the airport official demanded that it would not fit and because of that I needed to pay a checked bag fee in order to board. He charged my card {$130.00} immediately and forcefully ( threatening to not let me board the plane if I did not pay ). Moments later I showed him how my suitcase DID fit into the verification compartment ( photo included below ). He said he was unable to authorize refunds and I would have to go through the airline to get a refund. I carried my bag onto the plane as evidenced in the photos submitted. As a note, I also flew via XXXX XXXX to XXXX from XXXX with the same type of ticket and had NO problems with my carry on luggage. My boyfriend who also flew with me both ways and had the same ticket as me also had no problems with his carry on luggage. 

Because of this, I disputed the transaction with Wells Fargo. On XX/XX/XXXX I learned I had lost the dispute. I contacted Wells Fargo and they told me to get in touch with the airport and airline to get proof that they wrongly charged me. The airport deferred to the airline ( as evidenced in attachment ). I submitted my claim with XXXX  on XX/XX/XXXX, attached below. They did not get back to me until XX/XX/XXXX, which only underlines their lack of attention and care to this matter. 

In the email chain attached you will see that XXXX  changed their reason for charging me and are falsely claiming I was charged because my ticket did not allow a carry-on bag. This is simply not the case and their own website proves that this is not the case. The fact that my boyfriend who had the same ticket as me was never charged for his carry-on further illustrates that this reason is invalid. I included proof of this in the email chain and they repeatedly kept sending the same language over and over again. 

I contacted Wells Fargo 5 times after the dispute was closed to reopen this claim and force this Airline to give my money back. Each time, they advised me to send documentation in order to reopen the claim. I sent the summary and documentation 3 times via email, 1 time via fax, ( the first email and fax attached ) receiving confirmation of receipt each time. Wells Fargo denies ever receiving this documentation. On XX/XX/XXXX, a WF representative finally advised me that they are unable to reopen a complaint after it has been denied. I had spent hours on the phone and was given false hope by multiple associates that the complaint would be reopened as soon as I sent the documentation. ( Which I had sent ). I filed complaints with WF after each call and was advised someone would be in touch within 10 days to get further information, this never happened. 

I am hoping CFPB is able to find a resolution in this matter.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (ID)

An unauthorized inquiry was done to obtain credit fraudulently. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-29
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. (CA)

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 Balance : {$5300.00}
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (NV)

Aargon Agency opened XX/XX/21 {$2600.00} I received multiple harassing phone calls where they threatened to damage my credit. I tried to resolve this with the company but they did not respond.