davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (FL)

I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed 25 unauthorized inquires that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. I never authorize the inquiries and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights.
Consumer complaint received 2021-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I applied for a mortgage loan with Wells Fargo. The loan officer and processor engaged in what I felt like was redline. The agents of Wells Fargo intentionally tried to misrepresent my income by excluding parts of it and not utilizing normal standard in an effort to Imitate and discourage me from applying for home long through Wells Fargo. It makes me wonder if they have engaged in these deceptive acts before.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IN)

On Wednesday XX/XX/XXXX I had several transactions taken off of my card from a suspicious location in XXXX, XXXX. Upon getting the notifications I attempted to contact Netspend whom I use for all of my banking needs and the automated system indicated I needed to call back in the morning. I called in the morning and another transaction went through as I was explaining to the representative what happen. The representative informed me he would reverse the charges and i would receive a new card in the mail. I called today XX/XX/2022 to make see how long it would take to reverse only to be told by another represents that it was nothing they could do. I live in XXXX, Indiana. I have never been to XXXX XXXX and I dont know anyone in that country. I didnt give anyone permission to use my card or my account and Netspend dropped the ball by allowing multiple transactions to go through in which {$1100.00} was taking off of my card with no phone call or no block on the card. Netspend expects me to wait on them to give my money back when if they had a 24 hour phone number to dispute transactions the card wouldve been blocked right then and there. Netspend s customer service has dropped the bell and I want my money back.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

On Thursday, XXXX XXXX, I brought may car to a mechanic to replace a rear passenger side seat belt. The mechanic quoted me between $ XXXX {$250.00} for parts and labor. I was notified the repair was done and texted an invoice for {$460.00}. I went to the mechanic and told them that's not what I was quoted and they told me I had to pay of they would not release the keys. I paid and the part doesn't even work. I went to another mechanic and supplied written proof the installed part doesn't work to Discover. I disputed with my Discover card and they investigated and sided with the merchant. Since then, I have escalated my dispute with Discover and all of the sudden, they decreased my credit limit. Ive been in good stating and my credit is good with Discover for many years. This event has impacted my credit score negatively.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/2024 I tried to add my card to my XXXX wallet so that I could use it as I don't keep hardly any physical cards on me for safety and security reasons. When I attempted to add it I was instructed to call a number to verify adding the card to my wallet which was not unusual because I have had to do that with several other cards. I called the number provided and the person taking my request from Barclays said that the card was added and that I was able to use it immediately. I attempted to use it at a store on XX/XX/2024 and it said that my card could not be verified. I then logged into my app to see what was the issue and the card no longer appeared on my app whatsoever, no history, no statements literally no record the card ever existed. I immediately contacted them to see what the problem was and they told me that my card was flagged for " fraudulent application ''. There was no attempt to identify or verify my identity or the validity of any " application ''. The only option that was given to me was to apply for a new card account. It's important to note that my card has been opened for XXXX years with no issues. I have a credit score over XXXX and this is one of my oldest open cards so it will inevitably lower my credit score for no reason. I've never missed a payment, never been late and don't hold balances on any of my cards.
Consumer complaint received 2021-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late ( XX/XX/2015 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo ( WF ) Credit Card Security Breach. On XXXX, I received a call from from WF credit card fraud department, listed as XXXX on my caller ID ) asking me to verify an attempted charge to my Visa account at XXXX. I called WF at XXXX and spoke to a WF agent who confirmed the call was indeed from WF. My concern is that I did open that account long ago but I never activated it, never used it, and the card has not been out of my locked desk drawer at home, and absolutely no one has access to it. XXXX confirmed that the card was never activated and never before used. My question is, since the card has not been out of my desk drawer and was never activated for use, how did someone obtain my credit card information to use on XXXX. It is clear that the account information was obtained directly from WF files, either internally or through a hack. I would like an investigation into how this happened and how many other people face the same security breach. I expressed the concern to the WF agent but they are making no indication of investigation.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2021 2021
Consumer complaint received 2023-02-21
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/2015 Balance : {$1900.00}.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second complaint in only 1 day against TransUnion. I had 36 mistakes just this year in my file with TransUnion and I called so many times, they regularary hung up on me because they don't care. 

This time is that on XX/XX/XXXX, finally my score went up 69 points because I paid my credit cards. I did not know, being immigrant from XXXX, that in the USA, you should not spend more than 20 % of the amount of your credit cards limit. What's the point - it is so stupid. If you have an emergency, let 's say the dentist, you pay with your credit card, and it was not enough to be in pain because of a tooth, that you need to lose point from your credit score. - Where is the logic. 

In any event, I increased 69 points, but on XX/XX/2019, I lost 79 points for no reason that I can see, I did not spend on credit cards, I did not have a new debts. I called a supervisor in the USA, he did not give me his name, he told me that the reason is that I had two ACCOUNTS, yes two ACCOUNTS and they were merged and my score decreased of 79 points. I was fuming, how it is possible to have two accounts, it's not a bank account, it's my credit score linked with what? my Social Security Number. And as everyone else I have only one SSN.

He told me that, of course, there's nothing else to do and he put an end at the conversation and hung up.

If it's the case, that means that TransUnion only as Reporting Agency merged my XXXX Social Security Number with the USA ones. This is not acceptable, both countries has different laws and Credit Bureaus in XXXX are not important at all, certainly not like in the USA. By law in XXXX, our SSN can not be disclose easily, so if TransUnion used my SSN from XXXX, they are in an illegal position with XXXX. There's always a disclosure in XXXX on that card saying that this number and card belong exclusively to the Government. In any event, XXXX and USA are two different countries and totally two different court systems and different laws. Again it is only TransUnion who does that kind of thing, always trying to destyroy someone aggressively, but always pretending to report only.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Neon Newco Corporation (MA)

I discovered two charges that I had not made nor authorized. When I called my card company they advised me to dispute the charges and file for a provisional credit which I did. I did exactly what they told me to do and then they close my account without any warning or explanation. I cant even access any of my statements including The one that has the charges in question. And then to add insult to injury, they blocked my access to the account altogether so I cant even get a print out of the charges in question nor can i get a print out of my last month or two statements so i can contact all my bills that normally come out of this account and try to switch them to another payment method. They told me that because my account was closed there was nothing I could do. I couldnt do anything on a closed account. ( But it wasn't a closed account until they closed it after ) It also doesn't help that you are reaching a call center in a different country and there is a very large language barrier and the people who answer the phone aren't really allowed to think. They are only allowed to follow a script. Not everything is black and white. Not everything fits nice and tidy into a shiny polished little box They even closed out another account that wasnt even mine but i was listed as an authorized user. That account had been opened for over 10 years and they closed it because someone stole money from me and when i called for help i did what i was told and got punished for it. This is terrible. 

The bank is XXXX ( Netspend card )
Consumer complaint received 2021-11-15
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)

I have been disputing errors found on my credit reports with Equifax, XXXX, and XXXX since XXXX of 2021. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX/National Business Factor- Not my account 2. XXXX XXXX XXXX XXXX- Not mine, and is falsely reporting as an open account which is a FCRA violation 3. XXXX XXXX XXXX XXXX- Not mine XXXX and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX Dental/Allied Collections- Not mine
Consumer complaint received 2019-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

I received bill from XXXX XXXX XXXX XXXX , XXXX stating that I owed XXXX dollars and that I am in collection. According to the Staff, XXXX XXXX, my insurance recently paid the account in XX/XX/XXXX and I am now in collection. 

I contacted the Hospital, XXXX XXXX XXXX XXXX XXXX Hospital, and spoke with the billing department. They indicated that my bill is paid in full for both the Hospital and Physician and that I do not owed a bill. 

I communicated to this to First Federal Credit Control and I ask for something indicating why I owe the bill. I staff became rude and informed me that she will report my account to the credit bureau to damage my credit history.
Consumer complaint received 2021-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Good afternoon, I was a student at the XXXX XXXX of Washington DC branch and was a student there for 3 9 week quarters starting from XX/XX/XXXX ending XX/XX/XXXX. Unfortunately the school closed back in XX/XX/XXXX Im not sure why this location was closed however after doing some research Ive read there multiple branches closing due to fraudulent activity. I wanted to make sure that I wasnt a victim of it. 

I wasnt a student there for a whole year and want to the lender to provide all paperwork regarding this private loan. I dont have any information as to whether or not I received a refund check due to me withdrawing.
Consumer complaint received 2021-11-15
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. (TX)

XXXX XXXX is an account on my credit report. This account is closed, paid, please get the account removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX Is too old to be on my credit report, please get this account removed from my credit report. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report it is 11 years old.
Consumer complaint received 2024-03-08
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. (VA)

I sent XXXX letters to XXXX, XXXX and XXXX on the basis to investigate the reporting of XXXX accounts that had XXXX payments. 

I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All these times i received a letter from XXXX and Transunion that they didn't think the information was from myself even when i sent XXXX  forms of XXXX and still my XXXX don't seem to be getting attention.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (NY)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number XXXX times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the 800 number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.
Consumer complaint received 2021-11-15
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. (MS)

In 2019, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/2019 I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I did not have XXXX XXXX Bank on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX