davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Why did XXXX  XXXX after selling my debt to XXXX kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX credit.? 

Why? 
When? 
Who?
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2019, I paid the amounts due from credit card charges, inclusive of late fees, on my Barclays XXXX XXXX XXXX XXXX credit card. I made that payment immediately after getting off of the phone with Barclays to inquire about the above-reasonable magnitude of the late fees ( not the issue I am writing this complaint about ). On that call I directed the Barclays service associate to close my credit card account after I made that final payment, to which she verbally agreed to process that card closure request. 

On XX/XX/2019, I was notified by voice mail of an overdue amount on that same XXXX XXXX credit card - this should not have been possible had they closed the account as they were told to ( and assured me they would ). Per their website, on the account was the ( a ) annual fee on that credit card ( which again was supposed to have been canceled ), plus ( b ) a late fee, plus ( c ) an additional interest charge on all amounts. 

I am writing to you at the CFPB to seek your assistance in, first, having Barclays close the account as I had requested and they had agreed to and, second, to have removed from the account these wrongfully charged fees noted above. I would greatly appreciate any assistance you are able to provide on these matters.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NM)

This is the classic XXXX fraud that is happening everywhere. 
On Sunday afternoon, XX/XX/XXXX, I received a text using the Wells Fargo logo, stating that {$3500.00} dollars was authorized to be sent and asked if I recognized it. I texted no. After a few minutes, I received a phone call from the exact Wells Fargo number that is on the back of my Wells Fargo debit card. The person stated that my XXXX had been hacked and that I needed to send money to myself to stop the process. I followed his instructions and sent XXXX dollars to my XXXX XXXX XXXX XXXX email address ( XXXX ). I received notice in my XXXX email that I had received money. Then the person asked for other info, and I suspected fraud, so I hung up. I immediately called Wells Fargo and detailed the problem. They said they would investigate and that someone would call me on Monday. Nobody called ; after XXXX weeks, I called Wells Fargo and complained, and again, they promised me somebody would call ; nobody called. But I received an email, so I sent an email to the customer service rep, but no response. A few days later, I received notice that the case was close, for I had authorized the payment, so Wells Fargo could do nothing. 

I then notified Wells Fargo by telephone that they were violating a Federal Order, listed at https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ I have still heard nothing. I lost XXXX dollars using the XXXX app that is part of the Wells Fargo phone app. I did not authorize these funds, and Wells Fargo is violating the Federal orders by not responding and not reimbursing me the money.
Consumer complaint received 2019-09-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (CT)

In XXXX of 2015, Wells Fargo illegally repossessed my vehicle. I found myself to be part of their class action CPI lawsuit. In the letter I received, it confirms that I am NO longer liable for this debt because of their unfair insurance that was added to the loan. I have disputed this multiple times with XXXX, XXXX and XXXX. XXXX HAS removed it. The other two have not. I want this illegal loan/repossession OFF MY CREDIT REPORT, and I will NEVER ever ever ever ever ... deal with Wells Fargo again!
Consumer complaint received 2022-09-03
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. (GA)

I have unauthorized inquires on my credit report : XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX, and Transunion have continuously violated the FCRA laws by reporting inaccurate, incomplete and unverified information on my credit report. This has resulted in adverse action against me from creditors. 

I have disputed their information since XXXX with proof and copies of my credit report with discrepancies noted.
Consumer complaint received 2022-10-01
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. (NV)

This is my XXXX CFPB complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting agencies are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 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. The following items need to be removed as they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the items are verified by the Data Furnishers themselves. However, as my request indicated in my previous CFPB, the Credit Bureaus should send me copies of proof of verification or proof of ownership bearing my signature, in which they have failed. The Credit Bureaus have continued reporting the disputed items claiming to be verified. This action of the Credit Reporting agencies is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to remove the disputed items from my Credit File as soon as possible.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Without warning, Capital One Bank ( XXXX Checking Product ) put a freeze on my opening deposit that I sent via XXXX ( which they had been hounding me for for DAYS after opening the account ). I asm not subject to any kind of garnishment, levy, or anything of that nature. When I attempt to even access my account, I get the following message '' Your funds are currently not available for withdrawal. Please call us at XXXX.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} XXXX continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (UT)

I received a marketing promotion in XXXX stating I would received 10 % back in rewards on all purchase made in XXXX using my Best Buy XXXX. I validated that it was for all purchases prior to making the decision to use my card. In XXXX I conctacted the number on my card to advise I had n't received the rewards earned. I spoke to someone in the esclation team who confirmed the promotion had been sent and was for any purchase made on my card. He advised those rewards would go on my account when my XXXX cycle cut and noted on my account that we had spoke and what he had advised me. After my XXXX cycle cut the rewards were still not on my account I contacted Best Buy XXXX again and they confirmed that I should have received the points and transfered me to Best Buy rewards. Best Buy rewards continue to tell me the promortion was not going on and that I am do no points. There marketing is very miss leading and deceptive clearly the promotion went out as I have received confimration of this, but there is a huge disconnect between Citi Bank and their co-brand partner who issues the rewards. I have made in total XXXX phone calls and XXXX emails trying to resolve this directly with them prior to escalating to you. I 've been a long time customer who is close to closing my account due to the poor experience I 'm having. I am only asking to be given the missing {$100.00} in rewards that I am due for spending over {$1200.00} in the month of XXXX.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (SC)

1

5 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 st
ates a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA. 

XXXX, XXXX. 
Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

American Express recently lots XXXX business now they refuse to give me old statements I ahve done business with AMEX for years and over night they took all my online history off and will not allow me to view my AMEX history. 

I feel like they are acting like a an upset child who lost a game and took their ball and went home.. 

I have viewed my bill and paid them money for years then they take it all away and point fingers .. All I am trying to do is find a transaction
Consumer complaint received 2022-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I requested a refund from EdFinancial Services about XXXX weeks ago due to the XXXX XXXX XXXX. I have called each week since to verify if the refund request has been processed. In which they, agreed. Each call I was given a longer expected date of refund. However, I believe that refunds shouldn't take longer than XXXX days. I do want to take advantage of this opportunity to get assistance from the government with my student loans.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC (CO)

I recently opened an account with Majority, an online bank that presents itself as a bank for migrants. The account was approved, I was sent a debit card. I recently transferred money from a gaming app into my Majority Account. It was me as the payee but listed my brother as the XXXX gaming account holder. They froze my account no warning to explanation. You can either chat with them through the app or call them. They blocked my access to the app and blocked my phone from being able to call them. All I got was a busy signal. I picked up another phone and was able to dial in just fine. I spoke to a representative from there and he said the deposit had a different name. It was my brother XXXX XXXX and XXXX XXXX XXXX. Given the same last name you would think they could reach out to find out whats going on but no they didnt, they froze the account no email no warning. Then they asked me to illegally provide them with my brothers personal information and pictures to unlock the accounts they have put me in a financial bind, still locked account, no updates.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: LAKE MICHIGAN CREDIT UNION (MI)

I have XXXX issues I would like researched and resolved. 

XXXX. I don't believe I was disclosed to according to the current laws. I never got an Loan Estimate until months after starting the process with Lake Michigan Credit Union and the property taxes they estimated have ended up being far less than the actual, putting me in a touch position financially. 

XXXX. I don't believe the appraisal was accurate. I never got a list of Appraisers they use and this guy came to me through the Realtor. In order to get the deal to close with the cash I had available, I believe the appraiser colluded with the Builder and Realtor on the value. My house was over appraised by {$100000.00} or more.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (GA)

In accordance with the Federal Credit Reporting act XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and Dept of EducationXXXX acct XXXX XXXX has violated my rights. 

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 2022-09-03
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: Experian Information Solutions Inc. (WY)

In accordance with the Fair Credit Reporting Act Source XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

*This item XXXX XXXX is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (NV)

A XXXX account via Prosper Marketplace was charged-off in 2016. Prosper states on my credit report that the account was sold to a third party following the charge-off. The company that Prosper lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that Prosper is reporting on my XXXX credit report. 

XXXX XXXX and Prosper XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. XXXX must remove the duplicate negative reporting.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

On XXXX/XXXX/2016 I checked my Citi online account. At that time the system indicated that I could receive a credit limit increase with a SOFT pull of my credit report. I completed the process and was instantly granted an increase. 

On XXXX/XXXX/2016 Citi did a HARD pull of my XXXX credit report. I was notified of this 2 days later by a credit monitoring product. On XXXX/XXXX/2016 I contacted Citi to find out why they 'd pulled my credit. Due to the time delay between the CLI and the hard pull I 'm concerned about a fraudulent account being opened in my name and was told they could not help me. I also asked about having the hard pull investigated and removed and I was told that no one could speak to me or help me on that matter. 

Either a fraudulent account has been opened in my name or Citi was deceptive in its process.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I wrote to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 about the collection accounts attached to this complaint. I requested the original contact, signed by me, for these accounts along with the signed document giving them permission to purchase these accounts. I have not received any documentation which is a violation of the FCRA.
Consumer complaint received 2015-05-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Solidus Group LLC. (UT)

My sister received a phone call today saying I was going to be served with papers. I have not received anything in the mail, or any phone calls. She asked if she could sign, and was told no ... but that someone would be to the house in XXXX hours. I tired to call, and it went straight to voice mail.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One charged me a late fee of {$25.00} on my Capital One XXXX card when I paid it in full on the due date. They said it came in a few minutes late and they are keeping the late fee. I have been trying very hard to get this waived but no one at Capital One is willing to help. They told me someone would be in contact but I have heard nothing. 

I have always paid my bill in full every month and have been a customer for six years. Now Capital One is trying to charge me late fees when I paid my bill on time and in full. I am appalled by this and want to report this XXXX XXXX They are trying to take advantage of their customers by any means necessary.