davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

Social security sends both of my checks to my savings account and not a checking account and Wells Fargo bank knows where my checks are deposited in a savings account not a checking account. I have been with Wells Fargo bank going on 3 year 's and like I been telling you all about Wells Fargo bank. Now just yesterday they told me that I don't have a savings account with them and they know that is a lie and I would like to say to you all that after going on 3 year 's having my checks directly put into my savings account and not a checking account I always called them I don't know how to use online banking and I never authorized Wells Fargo bank to sign up for over draft protection. And then after going on 3 year 's if there was a fee that needed to be paid i called them and told them to take {$10.00} out of my savings to pay that service fee that they said that I owed. I never gave them the authorization to sign me up for over draft protection and neither did I authorized them to charge me {$290.00} cents to pay into a checking account. Now it's becoming really clear on how Wells Fargo bank was sued opening up fake accounts forging people name on documents and taking advantage of consumer 's that are XXXX and are on a fixed income and people trust Wells Fargo bank to protect not only my account but others consumer 's accounts as well. And Wells Fargo bank is opening up accounts with out the consumer 's permission. But Wells Fargo bank is still taking advantage of consumer 's. And people are struggling just to make ends meet and we are in a pandemic. And taken money from consumer 's just to make them rich. I have notified law enforcement about all of these issues. And I done what law enforcement told me to do. I must say that Wells Fargo bank has also been sued for discrimination numerous times. And having their bankers to open up accounts with out the consumer 's permission. If Wells Fargo bank has did these things to the consumer 's they are doing these things to the bankers at Wells Fargo bank. These things needs to stop.
Consumer complaint received 2021-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was in the market for a new car ( purchased on XX/XX/21 ). In going through financing options I worked with the dealer 's lender and I put in a request with Bank of America. I instantly was approved with BoA and was told I would be contacted within the next business day to discuss the loan. Given the time sensitive nature of me buying this car ( I wanted this model and wanted to purchase ASAP, so it was not sold to someone else ), I called BoA on the morning of the XXXX to talk to a lender. After a lengthy hold I finally was able to talk to someone. I asked them about next steps and they stated I needed a dealership letter to send to the dealership. They said I was approved and it would be in my BoA portal. We confirmed to do a higher amount just in case the car was more, but it was agreed the total amount was just for my loan of the car, nothing else. I sent it over to the dealership and drove an hour and a half down to purchase the car. After waiting almost two hours to purchase the car, I finally went into the financial office at the dealership to go over the final details/sign the paperwork. In talking about my loan the agreed amount was correct, but he informed me that BoA added an additional fee that I would have to pay back to them. No where in my approval email did it say I would owe BoA anything additional besides the APR % back, nor when I talked to the loan expert they said I would owe BoA anything. This is 100 % predatory. I was never notified that I would owe BoA additional monies besides the interest rate. Given I took off work, drove an hour and a half to the dealership and I sold my other car that morning, I was in a tough spot to back out.
Consumer complaint received 2021-07-31
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: EQUIFAX, INC. (IN)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-07-31
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)

This is XXXX!! This is my second XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. I am now a third party. That is bull XXXX. These false reporting accounts on my credit report has been an extreme distress to me and my family. I need them removed immediately.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-03-25
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. (AZ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
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. (NY)

So recently I had visited a Retail Store as I was shopping & attempted to purchase I was ask by store associate if I was interested in applying for their store retail card ( not credit card visa/master card ) if approve receive additional discount. I also asked if this would be soft or hard card? It was explained that Id recently applied & approved for three card lines ( drops points/hard credit checks ) after accepting credit. Also told told about previous creditor that misrepresent & given inaccurate information about their inquiring process for their store card which was disputed & later remove from credit report. So sale associate reassured me that this wouldnt be hard, but a soft credit to determine a line credit for their store card ( aka XXXX XXXX issuer XXXX XXXX  ). Also stated that I already had XXXX  ( which as used for purchase on XX/XX/XXXX ) card. But I was convince & mislead to believe otherwise ; that would be a soft credit instead of hard credit. So reluctantly applied for & was told that I will receive a letter via mail with a decision in response to inquiry. So to my dismay & surprise that it was in fact a hard inquiry happen apply which lead suspect she do retail store card, but store visa/master credit card which uses consider a hard inquiry. I already reached to XXXX XXXX  as well as all three credit bureaus about this incident that took place with to inquiring that was misinformed to me at the time. I was then told by XXXX issuer for XXXX XXXX card that they will process a compliant/investigation on my behalf as well as submitted it to all three bureaus to look into to get it resolved by removing off my credit reports. Since then after contact all three credit bureaus in order to follow up with about the incident regarding XXXX XXXX I wasnt reassured or confident that compliant would be taken seriously. Im even sure if there is a report on filed on my behalf about the misinformation & process to have inquiry removed. I think this incident should be further investigated & resolved in timely matter.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since i Originally got this card, I have not been able to use it once. Initially after first getting the physical card, they blocked it when I attempted to use it then asked for further information which I told them i would not provide. Nor did i have to provide this information because I am the original creditor and consumer. They have since then not removed any such block nor have respected any of the previous complaints made on them, they have sent me another letter asking for information and admitting to stopping me from using credit and are causing me damages by disabling me from purchasing goods and services.
Consumer complaint received 2024-03-25
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)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
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: Sequium Asset Solutions, LLC (CA)

I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to Sequium Collection Agency for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for 30+ years.
Consumer complaint received 2021-08-01
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)

THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, XXXX, Equifax and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on XXXX  was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, Equifax shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (VA)

I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through Acima Credit. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, Acima Credit reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc (CA)

I have a problem with my PayPal account that they limited my account due to suspicious activity. I called PayPal they said the suspicious activity was when I did a balance transfer from XX/XX/XXXX to my bank account which is on file on my PayPal account which cause a limited access to my PayPal account. PayPal did not send an email regarding to this restriction till XX/XX/XXXX which I initially called due to the limited access. PayPal wants me to submit a photo copy of my I.D . and proof of address to verify that I am the account holder which I told them I refused to sent due to privacy concerns and that PayPal is not a financial institution that having me submit that information PayPal will retain that information. They refused to rid of the limitations until I submit my I.D . and proof of address.
Consumer complaint received 2021-07-25
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: Bread Financial Holdings, Inc. (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has been mailing several mediation request forms to my address, two were received so far, both closed out as duplicate due to prior mediation from several years ago.. Claim ID XXXX closed out by XXXX XXXX, mediation claims manager, another case ID closed out as well which I do not have number of. Wells Fargo sent these forms due to unresolved damages from accounts opened by Wells Fargo reps which I did not request, did not want, under the premise to used for bill pay when only one account is needed for such service.. At the time, I already had a Wells Fargo checking account open, did not need another. Damages from these unauthorized accounts sustained to this day, was offered a remedy payment amount of {$3700.00} in XXXX of XXXX by XXXX XXXX, nothing received to date. The total amount including IRS taxes is XXXX It appears payment was sent to my old address, which was not verified, after I moved in XXXX of XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Payment was sent via XXXX with no signature to address in XXXX after moving... Please note, this information was explained in numerous prior CFPB complaint regarding missing payment, Wells Fargo reps insist they're replied in, in which case their replies refer to check as cashed which was fraudulently and also explained in prior CFPB complaints.. Needless to say, this issue was not address due to fraudulent check cashing... Further note, the estimated number of complaints filed since XXXX of XXXX is around seventy or more... It appears Wells Fargo has reverted back to sending mediation request forms which are now being closed out as duplicate, despite no payments received to date.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-07-31
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: INDEPENDENT BANK GROUP, INC. (TX)

Hi, I was looking into buying a home. I never took the step to get pre qualified for a loan because it obviously needed more thought. I would look on XXXX everyday to see if houses were within my budget and eventually I started dealing with a real estate agent. Before she can look for homes she suggested that I get prequalified for a loan with an associate of hers in that field. I started the application but never finished it just because I was unsure if I would get approved or not then come to find out the house I was interested in ( XXXX ) had gotten sold so I let the idea of buying a house go a bit. I get a message from the loan officer that she ran my credit she has a couple questions about my income. I call back instantly wondering why did you run my credit without authorization theres a reason I never finished the application I did not want a hard inquiry and I had kind of backed off. She proceeded to ask do I want to know the results and annoyed obviously I asked well you ran my credit without permission im going to have a hard inquiry on my report now. She never gave me an explanation on WHY she ran my credit & now I lost a lot of points that I work hard for. I really want a solution to this problem because its not right to just run someones credit after the application is obviously not completed.