davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

Hello, This complaint is about US Bank and their XXXX credit card. I've had this credit card with them for a very long time, longer than 15 years. To my recollection, I've never experienced fraud and never disputed any transactions on this account or any other accounts with US Bank. On XX/XX/XXXX, when I received my statement, I noticed that I had several transactions that were not authorized by me. I hardly ever use this card. I only use it for purchases in XXXX  or to make a one time purchase every couple of years, so US Bank would not close my card, as it happened to me before. 
After discovering unauthorized transactions, I immediately locked my card online to prevent further fraud from occurring. I took a day or two to look for my card and double-check with family members if they had seen it or used it. Even though it is not a common practice, I wanted to ensure the charges were not done by anyone I know. 
I realized that I lost my card when traveling to XXXX XXXX and coming back through XXXX on XX/XX/XXXX1. I immediately reported to US Bank every single unauthorized transaction ( which were 5 totaling over {$300.00} ) via their online dispute management system. 
Now, 60 days later, I still have not received a single confirmation that my disputes were received, I did not receive any credit back. I had to make payment out of my own money not to end up paying finance charges. 
I also logged in to the account this morning and noticed that US Bank did not even care to close out my compromised credit card and neither send me a replacement XXXX. 
I would like to report this serious violation of Consumer Financial rights.
Consumer complaint received 2021-03-22
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. (AZ)

I requested my annual free credit report, XXXX, XXXX, and Equifax are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone
Consumer complaint received 2021-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

I provided Great Lakes CEO with Notorized Affadavit that I am denying the loan and I refuse to pay. I have evidence as a consumer of Cease and Desist letter that have been ignored. 
I have itemized over XXXX violations to Great Lakes the debt collector. 
I have received a receipt they have received my request and they have refused to comply with the Federal Laws 15 USC 1692 A
Consumer complaint received 2021-07-26
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. (NJ)

Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

On Tuesday XX/XX/21 at XXXX XXXX  I received a balance alert for my Wells Fargo checking account. I looked at my account and saw that my debit card had a fraudulent charge of {$100.00} paid to XXXX XXXX. I immediately reported the fraudulent charge and cancelled my debit card. While waiting for my claim to be investigated I chose to move my money into my personal savings account for security. 
On XX/XX/21 I went to the drive through at the Wells Fargo in XXXX WA, XXXX to withdraw cash from my savings account using my state issued Driver License. After waiting several minutes the teller informed me that she had given my ID to someone in another vehicle by mistake. I immediately went into the lobby to speak to the branch Manager. The Manager, XXXX, did not seem too concerned that her employee had given my personal identification to an unidentified person. 
I find this to be a gross breach of security at an institution that is supposed to protect finances and identity. 
I am currently still waiting for my fraudulent debit charge to be refunded and then will completely close my accounts with Wells Fargo.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been trying since XX/XX/XXXX to remove a security freeze that I do not recall placing. To date, I have been unable to remove this freeze. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Everytime I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XX/XX/XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax and no one has been able to verify my identity and yet it still lowers my credit score. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this freeze since XX/XX/XXXX!!!!
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc (TX)

My work company XXXX did a BIG MISTAKE by putting me on the wrong system, and send me wrong paychecks Amounts. After I compliant they discovered THEIR MISTAKE, they sent me an official e-mail that they Will NOT ( NOT ) be collecting the overpayment. 

Then I surprised that XXXX 's XXXX XXXX XXXX XXXX Called " The XXXX XXXX XXXX '' asking me for this amount back through Collection Company Called " Vengroff Williams Inc. '' Contact Person : XXXX XXXX of US {$320.00}, letter issued dated on XX/XX/2021 Although, While I asked this lady XXXX XXXX from the collection company over the phone call conversation dated on XX/XX/2021, Do you have any Invoices or any documents for this amount? 
She answered : NO ( NO ), It's just some information sent to us. That is a Fraud.

So, I informed her that is illegal to ask anyone for a collection amount while you don't have any prove or any documents ... but she ignored my words and sent to me TWO letters asking me for this amount of : US {$320.00} from " THE XXXX # XXXX ''. 
I received those two letters in the same time : One issued dated on XX/XX/2021 ( before even contact me to inform me that she has NOT any documents for this amount, It's JUST Information '', The other one issued dated on XX/XX/2021 XXXX next day of phone call ) with document from XXXX XXXX company The XXXX Evidences : Please find attached : 1. Official e-mail from XXXX stated that they will NOT collect this error overpayments. 
2. Letter from collection company " Vengroff Williams Inc. '' sent it WITHOUT Support documents. 
3. Phone call from " Vengroff Williams Inc. '' dated on XX/XX/2021 @ XXXX from Phone # : XXXX Outcome : Please disputed this FAKE amount of US {$320.00} as soon as possible and I want the CFPB to publish this description on Consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NV)

hi this is my situation on XX/XX/2021 I got a rental car from XXXX XXXX and use my secured credit card from wells fargo to pay for the secured deposit my credit card its secured with a {$300.00} dollar deposit I made when I apply for the credit card on XX/XX/2021 I got XXXX  for unpaid tiket and the car was pick up from the police in pound lot when I got out on XX/XX/2021 a transaction of XXXX from XXXX XXXX was paid from my credit card I didn't authorize the transaction becuse I was XXXX, the amount its way over the limit of the card and when I call to dispute the transaction Mr XXXX XXXX XXXX start questioning me if I did rent the car? if the amount was incorrect? how much I think was the correct amount etc I manage to fill the dispute and the bank only reembrush XXXX on XX/XX/2021 another charge of XXXX was paid to XXXX XXXX and one more on XX/XX/2021 for XXXX putting my card over the limit for XXXX I dont use the card anymore Im afraid of more charges coming up now I been charged interest on purchases getting a message { over the limit amount its due inmediatly } have not recibe a resolucion only e-mails saying ( we're making a progress on my dispute ) time goes by and my credit my has been hurt my XXXX  is killing me Im XXXX  all day every day thanks for the help XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (UT)

The CBE group ( Account # XXXX ) is reporting a very old debt on my credit file. This debt is not only past the statute but also past the credit reporting limit. I would like to request that CBE Group remove this debt from my credit file. I no longer owe this debt and it should be removed from my credit file.
Consumer complaint received 2020-06-12
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. (GA)

EQUIFAX FAILED TO INVESTIGATE AND RESPOND TO THE DISPUTE WITHIN 30 DAYS ( CERTIFIED RECEIPT ATTACHED ). s.1629e ( 8 ) OF THE DEBT COLLECTION PRACTICES ACT CLEARLY SAYS THAT ANY INFORMATION KNOWN TO BE FALSE, CAN NOT BE REPORTED TO ANY CREDIT BUREAU. EQUIFAX RECEIVED A CERTIFIED LETTER ON XX/XX/XXXX BUT NEVER REPLIED OR INVESTIGATED WITHIN 30 DAYS. THEREFORE IT MUST DELETED ALL ACCOUNTS THAT WERE TO BE INVESTIGATED FROM ITS CREDIT REPORTS
Consumer complaint received 2023-02-20
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. (IL)

Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost XXXX  points in 3 DAYS from Equifax they say its verified but hasnt produced and proof
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, Consumer and Original Creditor sent in an affidavit of fact to EXPERIAN regarding the information on my consumer report that violates federal law. There is still information till this day that is on my consumer report which still violates federal law and Experian is in violation of 15USC 1611 for criminal liability fir willful and knowing of false or inaccurate information reported on my consumer report. I will attach all violations in the documentation along with this complaint that I sent to EXPERIAN in my affidavit
Consumer complaint received 2021-07-24
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. (TX)

On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I made my mortgage payment to XXXX XXXX on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulently. The inquiries in question are - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, TransUnion 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 inquiries that are still reporting on my account : XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A VICTIM OF ID THEFT ; I AM WRITING TO DISPUTE THE FOLLOWING ITEMS XXXX XXXX XXXX XX/XX/XXXX ( {$8700.00} ) XXXX XXXX ( {$930.00} ) XXXX XXXX XXXX XX/XX/XXXX XXXX {$11000.00} ) XXXX XXXX XX/XX/XXXX ( {$400.00} )
Consumer complaint received 2021-07-26
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: National Credit Systems,Inc. (TX)

I have repeatedly in the past attempted to resolve this matter this account swiftly and amicably. I have sent National Credit Systems , INC several official correspondence, all of which they have ignored or vaguely responded to. The attached document shows my cease and desist letter I sent to NCS, under the FDCPA 15 USC 1692c ( c ) once they received these letters they are required to immediately cease all communications concerning this account via any medium. The suspension of all communication includes me the consumer and all consumer reporting agencies such as XXXX and XXXX As shown in the attachment below labelled " E '' and " EE '' NCS has continued to violate federal laws by continuing to communicate about this account through various mediums with XXXX and XXXX
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy. 15 USC 1681 Section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (NY)

Some time in the beginning XX/XX/XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2021-07-26
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. (MS)

XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (OK)

We are in the process of selling our home, and buying a new one. 

Originally Freedom Mortgage told us about the Covid Forbearance. They said it would not effect us trying to move or sell. I called repeatedly on this topic with them. I had talked to multiple people. They even told me I could stop paying my mortgage. It didn't matter that I was selling my home. The price we owes would just come off the pay off amount at closing. 

Come to find out, none of that was true. I have called repeatedly to fix this problem. We are trying to close on our home XX/XX/XXXX. 

No one will help me resolve the forbearance issue. They keep telling me it will take a couple months. It is not big deal. I can sell my home and buy my new one. My lender is telling me that Freedom Mortgage are lying or don't know the process. We can not have forbearance on our credit report in order to buy or sell a home. It will still say in forbearance on the report. The will forbid us from going further.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

On Saturday, XX/XX/2021 between XXXX and XXXX I made a cash deposit of XXXX at the PNC ATM at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX ( XXXX XXXX ). The machine counted the bills and advised that the amount deposited was XXXX instead of the XXXX and I was given the option to go ahead with the deposit or take my bills back. I opted to take the bills back as this deposit amount was incorrect. The machine gave me back XXXX instead of the XXXX that I deposited. The number on the side of the ATM was the PNC bank XXXX number which is closed after hours. I've called PNC bank several times and was advised to open a case AND talk to the branch. I opened the case as advised. I also advised the XXXX number rep that the deposit was being made to cover a withdrawal for a credit card payment that was coming out and that I need my account credited immediately. The rep called another department and told me that since I already have money in my account i should be able to wait the 10 days it would take to service the broken ATM. I also called the branch on Monday and was told that since I had opened the case over the phone there was nothing that they could do. This issue is causing and has caused tremendous financial hardship for my family and I. I need my funds credited soon as possible.