davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

3 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all Capital one-XXXX, VA ( XX/XX/XXXX ) XXXX XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA ( XX/XX/XXXX
Consumer complaint received 2024-02-20
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-23
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. (FL)

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the credit reporting agencies ( XXXX, TransUnion, and XXXX ) my FTC reports regarding accounts from identity theft. I am demanding a BLOCK and REMOVAL of these accounts pursuant to 15 USC 1681c-2 that states a credit reporting agency shall delete information from the consumer 's file that a consumer has identified information that resulted from identity theft, no later than 4 business days. The following accounts are still being furnished on my consumer report that have resulted from identity theft : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX - XXXX, XXXX. XXXX XXXX - XXXX. 

The credit reporting agencies are in direct violation by continuing to furnish these accounts pursuant to 15 USC 1681c-2.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a small business Business Advantage Fundamentals Account with Bank of America. As long as I have had the account, the minimum balance to avoid a monthly fee was {$3000.00} and I have held {$3000.00} in this accounjt. Despite the fact that I have opted in to electronic disclosures/paperless, the bank says it sent a notice in XXXX that the minimum balance requirement was increasing to {$5000.00}. A customer service agent with Bank of America told me on XX/XX/2021 that the bank is required to send fee increase notices by regular mail. The BofA eCommunications Disclosure Policy, however, states " XXXX XXXX XXXX  Types of Communications You Will Receive in Paper This eCommunications Disclosure does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form. 

Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement. 

I asked for an electronic copy but was told that is not possible. 

I moved on XX/XX/XXXX, and again on XX/XX/XXXX and have not been receiving all mail, despite filing change of address requests with the XXXX XXXX XXXX 

The bank waived the {$16.00} fee for XXXX and XXXX. however, they said they fee will probably be charged for XXXX, since I have brought it to their attention on the XXXX ( and by direct message on XXXX on XX/XX/XXXX. And they said I will have to call back again. 

The account name is Friends of XXXX XXXX and it ends in XXXX. My new zip code is XXXX.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is a fraudulent collection on my credit report that does not belong to me for a XXXX  bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX XXXXXXXX and transunion report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.
Consumer complaint received 2019-11-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VW Credit, Inc (VA)

Purchased XXXX  XXXX XXXX with a 6.78 rate. Attempted to Refi vehicle I owe XXXX vehicle only worth XXXX. I have been upside by alot since day 1 and did not even know. It should be against the law for creditors or banks to even finance people without advising them that they will be upside down until the end of the loan or unless they have a large sum of cash to get them out of that place. My credit have gone up to over a 750 and I should be able to refi my car loan and take advantage of the best possible rates. I have attempted to refi with my local credit union and they go up to 135 % LTV and I still can not refi my vehicle.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo was complying with a judgment to withdraw funds from my bank accounts. With no knowledge of this action, I transferred money out of my account to pay off another debt. Wells Fargo then withdrew funds from my checking account putting me into an overdraft situation, forcing me, without my consent, to become a debtor to Wells Fargo. I informed them immediately so they could reverse the action and not send funds to the Sheriff since those funds were not available. They would not or could not do anything about this and simply started threatening me to pay this overdraft amount of {$20000.00}. Since I could not pay, they have taken the steps to close all of my accounts including two which receive government assistance ( SSA ) deposits. They have said the accounts would close by XX/XX/ 2022 and SSA will not redirect the deposits to another account until XXXX. Additionally, an automatic deposit that was intended to pay other bills went into the overdrawn account and I could not get access to those funds.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.
Consumer complaint received 2021-12-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NJ)

Bridgecrest has deemed me " ineligible '' for autopay, resulting in numerous unnecessary fees, which I want refunded. I want to be on autopay. I have tried to speak to a manager, all of whom refuse to take my call and do not deliver promised callbacks. Complaints submitted to the company have gone unaddressed and unresolved.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my experian XXXX and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (NJ)

A debt collection for Phoenix Financial Services with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and XXXX  that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.
Consumer complaint received 2021-12-23
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. (MI)

Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, Equifax and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.
Consumer complaint received 2019-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Following my earlier complaint # XXXX in which TransUnion 's part of the XXXX web site was completely broken, I have continued attempts to obtain my TransUnion annual credit report from XXXX. I made two attempts today ( XX/XX/XXXX ). The first attempt in the morning proceeded to the security questions. I answered the security questions properly, but the system them told me I had failed identity verification and couldn't get my report online. I just tried again about two minutes ago, and this time I received an error message from TransUnion claiming that I had already received my free annual credit report for the year from their web site ( see attached error message screenshot ). This error message is a lie ; I have **not** received my annual credit report within the last year from TransUnion due to their web site not working. ( I most recently successfully retrieved my free annual report from TransUnion on XX/XX/XXXX, over one year ago ). TransUnion 's web site is clearly designed to mark consumers credit reports as viewed even if the system doesn't actually produce the report. These are obvious violations of both the FCRA and the FACT Act requiring them to actually provide free consumer credit reports annually and maintain the annualcreditreport.com web site in working order. The CFPB should investigate and sanction TransUnion for these violations!
Consumer complaint received 2023-12-06
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (OH)

I have an Amazon Store Card that has a XXXX balance and 2 months in a row they continue to tell me I have a balance due. Called Amazon in XXXX and they confirmed I owed nothing and gave me a {$20.00} Gift card. Again, In XXXX, Received a payment due email when nothing was due. Called Amazon and they said they would clear it up again. Not sure how many people are not paying attention and paying when they shouldn't!
Consumer complaint received 2021-12-23
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. (MI)

Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, XXXX and Transunion. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.
Consumer complaint received 2024-03-13
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. (AR)

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX XXXX XXXX account # XXXX but XXXX shows that account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've never was employed by XXXX. 

Name below are all incorrect : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

Last year ( 2018 ), my business partner XXXX XXXX sent me {$3300.00} via online transfer to my NFCU checking account from his NFCU account. Because it was from the same bank I assumed allowing him to do the transfer wouldnt be an issue so I gave him my email address associated with my account. He made the transfer and now my account and my joint owners accounts ( even ones not associated with me ) are frozen. I contacted Navy Federal and they said the person so sent transaction would need to contact them and even though MY ACCOUNTS were frozen there was nothing I could do. I had the sender contact them via phone and etc, but I can not control what he does. He was then arrested ( without my knowledge for months so I could not contact him ). All this time I am trying to communicate with NFCU but they are not working with me. I suggested sending funds back to his account if there was an issue or at least remove my joint owner off account so it wont affect him. They declined to do either. I have a very high limit credit card with navy federal and if they close my accounts my credit will suffer greatly so I am trying to maintain a good relationship, but Navy Federal is failing me and failing at customer service.
Consumer complaint received 2021-12-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST (FL)

we purchased a boat XXXX XXXX ago, paid all payments. during covid we were given payment extensions. loan matured we tried to get assistance to extend loan, but got run around. we told them we wanted to pay loan off, in the process they reported to the credit agency a late payment while we were continuing to pay regular payments. we paid off loan and feel this bank after XXXX XXXX  is scrupulous and operates un fairly.
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2021, I transferred my friend XXXX XXXX {$10000.00} USD using PayPal. This was NOT for a business transaction. This was a one time transaction sending money to friends and family. 

PayPal classified this transaction as a " Business '' transaction and charged a {$300.00} fee. After explaining the situation to PayPal they refused to refund and refused to classify this transaction as between family and friends. 

PayPal transaction ID : XXXX
Consumer complaint received 2018-10-02
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: Experian Information Solutions Inc. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; and XX/XX/18 to XXXX XXXX and all the credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX and all the credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HANCOCK WHITNEY BANK (TX)

On or about XXXX XX/XX/2021, I opened checking account with Hancock Whitney with {$51.00} with promotion of cash back bonus. The terms and conditions of this promotion and bank account is quite complex to understand : Monthly direct deposit of {$250.00} - total of {$500.00} per month Maintain balance of {$1500.00} to avoid minimum balance fees/penalties. 

As this account was new and Hancock Whitney messed up with my online access, it took a while to setup direct deposit. I requested Hancock Whitney to give me a grace period as this complex terms like " average daily balance of {$1500.00} '' is somewhat difficult in the very first 90 days. But Hancock Whitney customer service was not willing to budge at all. Hancock Whitney customer service is not at all approachable via phone - very long wait time. 

On or about XXXX XXXX, Hancock Whitney charged {$12.00} fees for not having {$1500.00} average daily balance for that statement period. Customer is not having any access to average daily balance tool and i also pleaded to waive off for the first 90 days.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by NAVY FEDERAL CREDIT UNION XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by NAVY FEDERAL CREDIT UNION on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by NAVY FEDERAL CREDIT UNION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), NAVY FEDERAL CREDIT UNION is now civilly liable to pay me for the damages. Receiving an inquiry on my XXXX  consumer report is a receipt showing that a consumer credit transaction occurred ( see Exhibit A ).