davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX  XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2021-10-11
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. (PA)

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 are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX will not allow me to file a dispute for myself to change my address or dispute an incorrect report on my credit profile. I've called several times and they bounced me back and forth in between departments.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A. (IL)

I made payment arrangements with XXXX XXXX, {$100.00} a month until paid off, XXXX XXXX agreed. I haven't missed XXXX payment, but XXXX decided to place a judgment against me anyway, which is not our agreement, Oh and by the way, XXXX didn't send me any communication as to when the court date was held or where, that's how the judgement fell in their favor, very shady Business practices! 
I was informed, that as long as I make the monthly payments on time, XXXX XXXX would not pursue a judgment, they're going back on their word.Bad Business practice.
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (PA)

My most recent report dated XX/XX/XXXX with Experian shows multiple unauthorized inquires. Pursuant to U.S Code 1681b ( 2 ) - Permissible purposes the consumer agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following is a list of all unauthorized/unrecognized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

OnXX/XX/XXXX, and on XX/XX/XXXX I applied for capital one credit cards. I was XXXX years old at the time and was un-educated about credit cards. So I applied for them and got instantly denied. From being un-educated at the time, I did not realize that you can get hard inquires on your credit report from simply applying and getting denied for credit cards. Since then I have educated my self on applying for and properly using credit cards.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft! I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible
Consumer complaint received 2021-10-11
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. (MO)

Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX Equifax and XXXX XXXX XXXX Bank - Account XXXX Great XXXX XXXX  XXXX Account XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on FRONTLINE ASSET STRATEGIES which opened XXXX XXXX, 2020. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

The bank did not provide any notice about an increase in my escrow amount and I was hit with a late payment fee because they do not have any sort of automatic bill pay besides having my own bank send a scheduled paper ( like ACH doesnt exist ) check. They apparently do have a way in which you can have them pull the payment each month but they have to mail you a paper form and it will not automatically increase the amount if the monthly payment goes up, say due to increased escrow amounts or fees Unfortunately we can't choose our mortgage servicer but they are by far the worst I have ever dealt with
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (NV)

I paid off a title loan with OneMain Financial at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on XX/XX/XXXX with a debit card and was told the payoff would be immediate. I called the next day to see if they notified DMV to realease my title. I was told they waited 14 days to make sure the payment cleared the bank, which was contrary to what I was told the day before. A debit transaction comes out of the account instantly, so their 14 day waiting makes no sense. Also, one month I made what I thought would be an additional principle payment a couple of days after my regular payment. They treated it like a regular payment and took {$30.00} of it as interest. Interest that had not yet accrued. They told me it is adjusted after the next payment. This can not be legal.
Consumer complaint received 2023-01-23
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. (CA)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-18
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. (CA)

XXXX is reporting late payments on two of my student loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an XXXX XXXX XXXX plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.
Consumer complaint received 2024-02-07
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

am writing because of my dispute against XXXX. Regarding claim number : XXXX I have received further information from XXXX regarding my claim as supporting evidence. I was informed that the property I reported to them and Capital One has been delisted from the platform based on my complaint. 

Because of the property being misrepresented, falsely advertised, and there being safety concerns, XXXX made the decision to remove the host from the XXXX site on XX/XX/year> according to the customer service representative I spoke with. This further supports my claim that I did not receive what I paid for. 

I paid for XXXX nights and immediately had to leave. I described the experience in detail in my previous writings to Capital One. Please refer back to my initial documentation. Since I am the one that reported the property for violations and safety concerns, I deserve to receive my funds back since XXXX has taken action to remove the host from their property rental site. 

Their cancellation policy wasnt disclosed to me clearly. They claimed that I received service in good condition in their response to capital one. Which is IMPOSSIBLE, especially considering that my report led them to remove the property from XXXX entirely. Please fix this for me ASAP. 

Upon opening my claim with XXXX  they told me to vacate the misrepresented policy after charging me, and said I would get a refund after I left and kept my funds with nearly an entire month of the booking left.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IN)

Navient reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this Navient mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (IL)

In XXXX a large amount of cash was deposited into my checking account for XXXX XXXX dollars. I didnt notice the money because I had just deposited XXXX XXXX from my taxes. So the bank contacted me asking me about the funds and money and I let them know thats not my money and I dont know where it came from. Wells Fargo reversed the charges out my account and still made the decision to close my account down. 
So I asked how can I get my money Wells Fargo told me I can go in any branch to go get it. I went to the closet one which is in XXXX IL. I got there at XXXX XXXX  Friday. The teller ask me to have a sit and someone would come discuss my issue with me in the back. I bank  so I know how this go. The proper way was to call me in the back and then call lost prevention. This lady had a Wells Fargo worker meeting about my account without me. When she did come talk to me she came in the lobby in front of other customers. Thats a red flag you dont talk about my business in front of other customers. So the brunch manager came and took me to her office I explained the situation she said its still a hard hold on your account and I cant give your funds to you today. I ask for a reason she said I dont feel comfortable signing my name on there. She said can you tell me more about the money that came to your account that didnt belong to you. Then she printed out the checks I deposited from the irs and said my signature didnt match the check and my signature on id dont match the one on file. Listen I balled to this lady explaining to her I had death in my family I need my money. She said if I can show her a id with my signature on there that match she will do it. I showed her my ssn and other ids. Im a XXXX XXXX woman and I feel like I was mistreated and they wanted me to snap and make a scene and I didnt. Im getting my lawyer involved because I feel I was XXXX XXXX. The check from the irs had clear weeks ago so why do the signature matter if those funds already available. She said you should go where you deposited it at. I said good thing Im here because your bank deposited the checks and it was your bank that cleared them as well. Today is XX/XX/XXXX Wells Fargo been holding over XXXX XXXX dollars of my money I have not paid no bills or anything. Why tell me you will release my funds only for when I get there you give me all these problems.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

A fraudulent checking account was created online with my information with Well Fargo Bank. This account was created online with XXXX dollars deposited on XX/XX/2021. I received a debit card in the mail and a letter with a PIN number as well as a letter from Fraud & Claims Management Dept from Wells Fargo stating closure of deposit accounts. I have alerted Wells Fargo regarding this matter. I checked my credit report and there is no information about any new accounts created.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capitol One Wal Mart credit card some time in XXXX and was approved. The card was sent in the mail, but I was debating whether to use it or not and never activated it. This month, I started getting text messages from Capitol One stating my payment was late. I called them today and explained that I never activated the card and they told me it had been automatically linked to my Wal Mart account and was my default payment method. They confirmed that I never activated the card but also that the card was being used on Walmart.com and that I owe over {$700.00} plus late fees. I asked how I would have known that the card had been linked to my account and they said the only way I would have been notified is if I had the Capitol One app. I don't have the Capitol One app because I never activated the card and didn't realize it was being used right away. Neither Capitol One nor Wal Mart asked for my consent to link the new card or even notified me that it had been linked. The customer service representative helped me for about XXXX minutes before hanging up on me. I just trying to understand how an unactivated card was allowed to be automatically added and set as my default payment method without anyone notifying me. I feel like is a really sneaky method of getting people to put themselves into debt. I'm not even an old person, so I can only imagine how hard that population is getting hit with this trick.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (FL)

A- on XXXX charged {$25000.00} for Purchase. 
B- on XXXX Paid {$25000.00} to Credit Card to cover purchase. 
C- on XXXX Cancelled purchase. 
D- on XXXX {$25000.00} credited back to Credit Card XXXX 
E- on approximately XXXX requested excess payment refund. 

Above details Credit Card activity and amounts. Bank HAS NOT transferred funds to personal account stating they need to conduct a 30 day investigation. 

we issued an executive complaint. To date, the Bank has completely ignored our request!!!!
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I called XX/XX/XXXXXXXX  to notify the MOHELA representative about the Covid 19 Emergency announcement on the studentaid website. Since my recert date is before XX/XX/XXXX, my recertification date should be XX/XX/XXXX ( pushed off by 1 year ). I was told that my IDR recertification would go through, and my XX/XX/XXXX bill would be the same. My MOHELA bill for XXXX reflected the continuation of my XX/XX/XXXX bill of {$420.00} I logged into my MOHELA account today and saw no XX/XX/XXXX bill, only a message telling me to recertify my IDR plan. 

I called MOHELA again today XX/XX/XXXX and the representative stated that I would be on hold and then hung up on me. I have tried calling again but have not received a call back.