davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

- I was in contact with Wells Fargo in regards to fraudulent charges that appeared on my bank statement. Due to those charges in addition to my payments that were on autopay I was put into the negatives and then charged overdraft fees by wells Fargo on top of that. Instead of fixing and helping with the fraudulent charges they ended up closing my account in XXXX of 2022 and now I have no access to online banking. Wells Fargo also claims that I owe them a couple XXXX dollars.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received a credit alert that my Kohl 's account was 30 days overdue. 

This was the explanation I received from Kohls : My billing cycle begins on the XXXX of each month. Two payments were received in XXXX. One payment was received on XX/XX/XXXX. Second payment was received XX/XX/XXXX. Because second payment was marked XX/XX/2020, it was not counted towards the XXXX billing cycle, thus making my account 30 days past due. 

PAYMENT OF {$40.00} WAS MADE ON XX/XX/2020 Therefore, that payment should of counted towards my XXXX billing cycle. 
Therefore, my account has never been 30 days overdue. 
Therefore, Kohls report of my account being 30 days late in XXXX is inaccurate and should be deleted. This single blemish affected my scores by up to 80 points and has caused me to get denied from a personal loan I very much need during this pandemic. 

I have spoken to several different representatives at Kohl 's. Two of which told me someone would contact me to gather the evidence I had that I in fact did make a payment for XXXX billing cycle. I did not err by making a payment one day too early. I knew specifically to date the payment for the XXXX. I have an email verifying payment was scheduled for the XXXX of XXXX and a copy of bank record confirming a withdrawal on the XXXX of XXXX by Kohls. No one contacted me. Instead, I received a letter stating that after looking into my dispute, they deem their reporting valid. After a divorce, and being a single mother to XXXX  children, building and maintaining good credit standing has been one of my top priorities. I know the billing cycles of each of my credit cards. 

ATTACHED : PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of  Email verifying amount to be withdrawn on XX/XX/2020 PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of payment history showing payment posted on XX/XX/2020 and XX/XX/2020 Why would this company choose to post a payment the day after payment was withdrawn from account, but then on that same month choose to post a payment the after payment was withdrawn from account knowing it would incur a late fee? 

Are Kohl 's profit margins so slim that they have to nickel and dime their consumers during this Pandemic? During such trying times in which there is so little job security credit is so important. Now my credit score is suffering because a company, despite my multiple statements telling them I can provide bank records, decided I paid my monthly bill one day too early.
Consumer complaint received 2022-11-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OR)

XX/XX/XXXX and XX/XX/XXXX. I have called Freedom a few different times to fix this problem and send proof of false delinquencies. The 30 day late we called and did a skip payment for the year and then XX/XX/XXXX their payment processing system was down and they told us that they fixed both of the problems but it is not reflecting our credit and causing issues with getting financing to buy a home. 
The only thing that they will give is the payment statements showing that the late payments were removed but not fixed via credit bureau. 

I am currently in XXXX  at our home trying to sell it while my husband is working in XXXX  where we are needing to buy. This is causing a huge issues. 
Please help. 
Thanks. 


Other info. 
Loan # XXXX Two different loan accounts with Freedom due to refinancing in XX/XX/XXXX.
Consumer complaint received 2020-09-30
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. (FL)

Accordingt to Equifax, In XX/XX/XXXX, I closed my XXXX account with a XXXX  balance. In XXXX of XXXX XXXX has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?
Consumer complaint received 2020-09-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-29
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: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XXXX of 2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.
Consumer complaint received 2020-09-29
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. (GA)

I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XXXX of 2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit report was impacted by Equifax, XXXX and XXXX data breach resulting in my account being compromised. There are fraudulent accounts and derogatory information on my credit account that does not belong to me. Seek assistance to get them removed. Credit reporting agency refuse to provide any resolution.
Consumer complaint received 2022-11-07
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. (CA)

The following Inquiries I do not recognize : XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX XXXX2 XXXXXXXX XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Also, I have included my credit report showing the inquiries mentioned above. XXXX is charging me for two inquiries on the XXXX XXXX  date of XXXX it was duplicated please help me correct this.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I opened a credit card with citi bank via best buy on XX/XX/XXXX and ever since i opened the card i have not been able to log in to check my transaction or view anything on the account. i have called to complain about this but they always have an excuse or say their system is down. I also tried downloading the app to sign up but it does not recognize my credit card number or SSN number. I again went to their website to try and log in same issue my information was not recognized, then i went to read their reviews and saw that most of their customers experience same problem. They are fraudulent and will keep you in the dark so you can't monitor your money or their charges on the account. 


I do not have a easy way to make monthlypayments, also I don't know when my monthly payment is due cos I can't access the account or know how much is due. So I had to go look for money during this Pandemic to pay off the card balance cos it seems am being ripped off. I made a payment of {$1500.00} on XX/XX/XXXX and called them on XX/XX/XXXX and spoke with a representative who stated i do not have to make any payment as at the time that there is a refund of {$39.00} reversal processing on my account and will put the balance in excess of {$14.00} and some cents which will be sent out as a check payable to me. 
Then i called them after 2 weeks to check my account status only for them to tell me 2 other late payments have kicked in, in the amount of {$24.00} each making it {$48.00} outstanding on my account. This outstanding is their fraudulent late fee charges. 


I need this removed and my account refunded back to XXXX balance as I have paid it of before they the {$48.00} fraudulent late fees within 2 weeks to my account. 


I have a very clean credit history, I have never had a late payment on my credit report so I told them not to post anything negative or late to my account. I need urgent intervention to protect my credit history against this fraudulent activity Dates I recently called them : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I'm submitting a complaint on behalf of my daughter, whom has a credit freeze placed on. her account as she is a minor. 

In XXXX, I received a letter from Experian that described itself as being Dispute results. The letter was dated XX/XX/XXXX and the report ID is XXXX. I was perplexed, since my daughter is 1 ) a minor and 2 ) has had a credit freeze in place since I placed it on her profile in XXXX and 3 ) we initiated no dispute. The letter itself had no information that could be read to understand what was being disputed, however the bottom of the first page did say the outcome was that something was updated.

After receiving the letter I then went to annualcreditreport.com to attempt to order a credit report from each bureau, however I was unsuccessful. I am guessing that this has to do with either the freeze or it being a freeze on an account associated with a minor. As a result I ordered physical copies of all 3 bureaus to be sent to me ( by phone ). 

To date only one has come, that being the Experian one. That letter dated XX/XX/XXXX with a report ID of XXXX. The letter similar to the dispute letter has nothing that shows on the credit report. However the concern that I had was that I did not initiate a dispute for my daughter and I need to know if her information was accessed, which could be reasonably concluded based on the language of the dispute letter. 

Today ( XX/XX/XXXX ) I called Experian using the number identified on the credit report letter ( the dispute letter had none ). After again unsucessfully attempting to verify, though all details were entered correctly I got the runaround from Experian 's automated system. The XXXX literally stated that they can only transfer to a live person in certain circumstances ( without explaining them ) and it kept trying to direct me to communicating via website although automated efforts have not been seamless thus far in interactions around this topic. 

Given the difficulty in getting information and not being able to speak to anyone I decided to submit a complaint this way to try and get a clear idea of what has occurred on my daughter 's profile.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (GA)

On XX/XX/XXXX I entered into a MEMBERSHIP  CONTRACT with XXXX  ( XXXX FL ) a XXXX   whole buying club, membership cost was {$5300.00} XXXX total cost {$7500.00} ), after the contract was signed I was granted access to the their inventory, however I quickly realized that the items I wanted to purchase were " no longer available ''. 
I short time later I got laid off from my job and was not able to make membership payments. 

Today SECURITY CREDIT SERVICE account number XXXX owns the dept which totals {$5700.00} and on my credit profile does not state that the purchase was made from XX/XX/XXXX it shows the date the debt was purchased from XXXX XXXX XXXX on XX/XX/XXXX. 

In the state of florida were he purchase was made the statues of limitation on contracts is 5 years I am requesting this debt be removed from my credit profile. 

Thank you XXXX XXXX
Consumer complaint received 2020-08-07
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. (GA)

All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

I sent {$100.00} to XXXX on XX/XX/2021. Because the person could not collect, Western Union told me to cancel the transaction for a refund. I cancelled but never got a refund. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc. (FL)

I got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX collection ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.
Consumer complaint received 2022-11-08
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: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2022 I had submitted a complaint against FNB OMAHA inquiry on my XXXX Credit report ( Cfpb Complaint # XXXX ). The original date of the inquiry was XXXX XXXX. The company did respond on or around XX/XX/2022 that they will send a request to XXXX to have the inquiry removed. 

Upon checking today, XX/XX/2022, the inquiry still remains on my XXXX Credit report. I would like this Inquiry removed ASAP as FNB OMAHA had promised. 

Thank you.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

I sent {$10.00} to XXXX on XX/XX/2020 MTCN : XXXX XXXX. The recipient can not collect the money and Western Union is not refunding me. No reasons given.
Consumer complaint received 2020-09-29
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)

CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2020-09-29
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. (CA)

CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to BBB of this fraudulent information. told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX ALSO THESE 2 ACCOUNTS ARE THE SAME PEOPLE UNDER 2 DIFFERENT NAMES " Original creditor : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX '' Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX  FOR YOU Account # XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

My mortgage account is setup with automatic payments. I attempted to update this on XXXX XXXX XXXX to debit on the XXXX XXXX every month instead of the XXXX using Rocket Mortgage 's website. I never removed automatic payment. 

I noticed this caused a late fee on XX/XX/XXXX the following month - so I spoke with customer support and asked the payment to be updated for the XXXX of every month so there are no farther late fees. He told me the account was updated/ resolved after changing that month 's payment to include a late fee. So I left the conversation feeling like my account was ok. 

The following month - no payment was processed at all because auto payment was apparently removed from the account. This was not resolved until I noticed on XX/XX/XXXX because of credit damage. 

I was told I was contacted by phone before the account was ever late- but never received any phone calls. I can prove this with telephone statements. 

I can also prove that there was sufficient money in my account during the time for autopayment to have been applied.
Consumer complaint received 2023-03-16
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: Foursight Holding LLC (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.