davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (TX)

Dear CFPB, I have mailed my identity theft report to Experian via certified mail 3 times. Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report and to remove unknown addresses from my Experian credit report and only send stall letters asking me to resend proof of ID and the same documents that have already be sent several times. 

The identity theft reports were mailed via certified mail to Experian, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Experian, Dear Sir or Madam : I am a victim of identity theft, and the accounts and hard inquiries below are were done by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Please, remove the inaccurate addresses currently appearing on my credit report. 

Accounts that are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (MI)

A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX noticed that {$12000.00} was charged to our account through XXXX separate transactions beginning on XX/XX/XXXX. When calling to file the claim with Wells Fargo, the intake specialist had me add transactions that were further back than the 60 days that are allowed to have a transaction reimbursed to the consumer. When a specialist from Wells Fargo called and spoke to my husband, they alluded to the idea that the fraud might have gone back as far as XXXX of XXXX. They shared with him that while they would only cover the XXXX for reimbursement, that adding it to the claim would be a good idea. Unfortunately, a couple of those transactions happened to be valid. Because the valid transactions were part of the claim, the whole claim was denied. Even the funds that were fraudulently charged. 

We received that notification on XX/XX/XXXX. When I called to speak to escalate the claim, I was told that it is what it is and we would no longer be able to claim any of the transactions as fraudulent. The agent, XXXX, even had the audacity to say that she assumed my husband was an adult of sound mind and could approve those transactions to be added to the claim. 

I spoke with XXXX XXXX, which is where the transactions were all processed, and they verified that the transactions that started on XX/XX/XXXX were not us. The names on the tickets that were issued were not ours and it was clearly fraudulent activity. But the request for the return of the funds had to come from XXXX through Wells Fargo. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX XXXX XXXX regarding the fraudulent activity. 

On XX/XX/XXXX I once again spoke an agent at Wells Fargo who confirmed that they did not even send the fraud transaction information to XXXX because their internal investigators denied the initial claim. 

We are out {$12000.00} and have no recourse to get those funds back per Wells Fargo. Any help you can provide would be greatly appreciated.
Consumer complaint received 2023-12-04
Product: Credit 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 (AZ)

I have been having ongoing problems with my credit cards at Wells Fargo. Cards not being sent to right address, fraudulent charges, etc. 

This past XXXX and XXXX, my card was charged for XXXX at XXXX, and then XXXX for XXXX, XXXX, and XXXX. I have had no luck contacting any of the businesses due to " privacy concerns ''. I have filed a police report and have asked Wells Fargo to reopen the case.
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest financial company is engaging in business practices that have prevented me as the consumer from paying off a simple interest car loan early. The unfair business and accounting practices include : 1. Failing to applying 6 different principal only payments totaling {$5600.00} to my loan timely and 2. Adding back the simple interest of the loan when the principal payment is made causing my account to enter into a " payment due '' or arrears status. All six principal payments were made between XXXX and XX/XX/2019. On eight different ocassions, I have called Bridgecrest customer service speaking with representatives who have either failed to rectify the situation or who have started retaliation efforts by locking my online account. After each conversation with Bridgecrest ( XXXX, XXXX, XXXX, XXXX, and XXXX ) and a promise that my account will be brought current, the only actions taken have included again misapplying 4 principal payments and alerts that my account is in the arrears. A full accounting statement was requested from Bridgecrest on XX/XX/XXXX, but has yet to be received. A second request for a full accounting statement was again requested XX/XX/XXXX. This company 's unfair and unacceptable accounting practices prevent consumers from paying off loans early and can potentially damage their credit ratings. The FTC should investigate these practices as consumers will need lawyers to recover monies from overpayments and erroneously reapplied interest payments.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On or about XX/XX/XXXX, I got an alert from the credit bureau of a late payment. I logged in to find out that BOA had reported a late charge on an account that is paid in full and has not been used since XXXX. I called BOA on that date and explained my situation that I was being charged a yearly fee including expressing that they had not sent me any correspondence/bill that anything was due. She explained that there might have been a mistake because the credit card I have does not require a yearly fee and that she would put in the dispute to have it removed. She also advised me to call on Monday because the collections department was not available. On Monday XX/XX/XXXX I called back to speak to someone in the collections department. After I explained the situation including what the representative told me on XXXX the XXXX, she said now a days this card does not have a yearly fee for me to pay it and that once it's investigated I would be credited. I did the payment and she in turn gave me a case ID and told me to call back on Thursday. I called back on XX/XX/XXXX and talked to another representative and he said that they have done their investigation and have come to a conclusion. I asked them when where they going to send me a notice of their conclusion and he said you should have gotten a notice already. But that their conclusion that they have denied my claim of having this 30 days late yearly fee stay on my report for another 7 years. 

I had asked him to speak to a supervisor because as he can see my payment history and the use of my card that I have never been late nor had I abused the credit I had with them. He said they have already made the conclusion and I would receive a letter in the mail. 

I have attached the following documents to this complaint XXXX. Letter XXXX. BOA Bill with highlighted yearly fee XXXX. Copy of a utility bill with proof of address XXXX. Copy of my ID
Consumer complaint received 2023-03-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX '', has inaccurately violated my rights. Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. I applied for this inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the removal date for all should have been XX/XX/XXXX and or before XX/XX/XXXX, It still has not been removed
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (FL)

Credit card company close my visa credit card out of nowhere when I have excellent credit and I always make my payments on time there is no reason to have my account closed and if so I would like to exclamation as to why my account was closed not just bank policy I also owe a balance on this credit card that would negatively hurt my credit score that ive really been working so hard to be good now that they closed my account my credit scores are going to plunge and I would not be able to get into collage / obtain credit for a student loan on my own ... 
my credit card account was working perfectly until they put a block on my account however they requested documentation I sent them the documentation and it was already verified by the credit card risk department so why is there a need to close my account?
Consumer complaint received 2018-03-02
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2023-01-15
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. (MI)

A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Credit Karma (MS)

Credit karma said that a email were sent to verify but I never received an email they closed my account a few days before my refund suppose to came without a reason. I call and call and were told they don't know why it were closed. Now I don't know we're my money is
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I went in to open a student checking account for my son. I said I wanted to open one for myself too. She did his first and it took awhile for them to figure out how to access his account online. By the time we did mine I forgot to ask about special for {$400.00} for opening a new account. Since she did mine the same time she said it was online only and since now I have an open account with them I dont qualify. This is not acceptable, I just opened it and should have gotten or allowed to get special advertised.
Consumer complaint received 2023-01-15
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. (MN)

Trans Union I was just sitting here wondering if you could except a drivers license number from my state to identify who I am I mean I have proof that Ive sent you and certified mail and you still seem to cant verify me because this is beginning to be a hassle with the errors on my credit report or do I need to take legal action on the court date the attorney that you chose to represent you can identify and verify who I am! You are causing major destruction of my good name! Legally there are ways that you could verify me if you really wanted to but I really think that you choose not to but my next step will be going to the courthouse in which I have to show my ID to get a summons please respond so I know which proper route to take because this is very willful reckless on your behalf of me having negative information on my credit report and youre not taking any courtesy to try and identify me I know a lot of companies now I asked for a drivers license number and it certainly can identify it so you let me know Or otherwise Im gon na have to take legal action to get your response
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The consistent timeliness of my payments for this account contrasts XXXX  with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

RE : inquiry removal Well, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (KS)

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending multiple requests, I have not received any response up to this date. The inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXXXXXX XXXX****Balance : {$2400.00} ; XXXX XXXXXXXXBalance : {$44000.00}
Consumer complaint received 2023-01-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (PA)

SR # XXXX complaint against XXXX  followed by Multiple charges with XXXX company states us treasury closed the card due to fraud alert customer can not get XXXX us live support difficult to resolve with language barrier direct Express forced beneficiary to purchase new card new xard comes with minimal balance does not have details of XXXX us dollars XXXX dispute
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding is still reporting to credit bureaus that 2 collections are not paid when they garnished my wages and were paid In full and the judgement was satisfied. I have disputed this information several times and they continue to report balance due.