davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
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: Rocket Mortgage, LLC (CA)

I was contacted by Quicken Loans to see if I am interested in their refinance product. They did not ask my permission nor clearly communicated to me that they are pulling my credit report. After we get off the phone, I get a notice on email that my credit was pulled by them. It is not permissible to pull someone credit without their permission when I dont have existing business with them and did not request a credit transaction or business from them. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans. It seems XXXX XXXX the quicken loan agent is not even licensed in State of California where I live. 
Their junior client relationships team states that since I have disclosed my SSN to them as lender it makes it permissible for them to pull my credit without my consent. And when I asked them to email me this statement they refused.
Consumer complaint received 2018-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (CO)

PayPal Credit selling assets to XXXX XXXX and APR is going from 19.99 percent to 24.99 percent. That is a unacceptable rise in interest rate! I will cancel all accounts that are associated with XXXX XXXX. I have never missed a payment and enjoy using PayPal on XXXX and am being punished for nothing but greed! XXXX
Consumer complaint received 2019-04-24
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

XXXX is reporting 120 or 180 late payment for XXXX/ XXXX/ XXXX of XXXX and XXXX/ XXXX/ XXXX of XXXX. The account charged off on XXXX in XXXX, XXXX which means its not longer on XXXX/XXXX books and was transferred to collection company ( XXXX XXXX ). Once Therefore they should not be reporting to credit bureaus beyond the XXXX, XXXX. I believe that reporting from XXXX, XXXX until today should reflect either Failed to Pay or Charge Off. I have disputed this many times and it is still wrong with all the bureaus. 
In addition, please note that I have already settled account with collection agency.
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

I have been denied any financing for my XXXX XXXX XXXX THE DEALER TOOK MY TRUCK FOR TRADE I HAVE BEEN STORING THIS CAR FOR YEARS ITS NO LONGER THE BANKS ASSET ITS MINE HERE IS PROVE SOME HIDDEN CONTRACT I NEVER SIGNED WANTS ME TO PAY OFF THE CAR OR ALMOST ALL OF IT THAN SWOOP IN FOR THE DEAL FORGET IT WISE GUY. WHO HAS THE TITLE TO THIS CAR AND REMOVE THAT FILTHY ADVERSE ACTION ON MY CREDIT REPORT ASAP I HAVE POSSESSION AND THATS THAT THE CAR ISNT WORTH ANY MORE THE LOAN OFFICER IS A CROOK AND I AM NOT GOING TO PAY THOUSANDS TO RIDE THE BUS WITHOUT NOTHING EXCEPT A XXXX XXXX DOLLAR ADVERSE MARK ON MY CREDIT OUT OF MY MY TRUCK AND CAR FORGET GET CROOKS THE GIG IS UP
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: New Century Financial Services, Inc. (NJ)

I received court documents that I was being sued Was never notified by New Financial of existing debt This debt is no longer on my credit report, they didnt show state to of my account, payments I made prior THey didnt say they have legal right to satisfy this debt - even after I asked Told me there was on docket number with the court that I was not being sued - after that my job received garnishment papers. 
This company has been sued multiple times for using unfair practices and illegal tactics to satisfy debts they purchased. New century financial no longer owns this debt.
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NE)

I was a Wells Fargo customer for over 10 years, they were the first account I opened as a young adult. As a young adult I never had much money, in 2010 I was on the phone with them at least once a month, they would rearrange the order of my withdrawls on my account and charge me {$35.00} for XXXX small charges instead of XXXX late fee for the check. I would call them in tears and they would say " well you new that money was coming out, why would you spend it '' ... This happened several times over the next couple years. I never fought it, I was young and living from paycheck to paycheck, pretty irresponsible with my money, i thought i kind of deserved it. So now I hear all that they are up to and I would like to get some kind notice as to what is being done for there customers they took money from? I finally closed my account with them this year because they started chrarging me for moving money from checking to savings, I was so sick all of their XXXX fees and never thought I would get anywhere with them anyway. The victimize low income, young, foreign, I have had many many friends who have had this same thing happen to them!
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MI)

On XX/XX/XXXX I attempted to use my XXXX XXXX ( Social Security XXXX   benefit ) card to purchase items at a local supermarket near home in XXXX MI.   I was shocked when informed my card was " invalid '', knowing there should have been more than enough money to cover my small purchase. I immediately went online to check the status of the card and discovered things were very wrong. My geographics were changed to a new address at XXXX XXXX XXXX XXXX XXXX GA XXXX  on XX/XX/XXXX with new card replacement and expedited shipping fees to the hacker 's address equaling {$17.00}. Then, I discovered on the same day of my attempted shopping trip in MI onXX/XX/XXXX, between XXXX-XXXX there were 4 ATM withdrawals made in the amounts of {$200.00}, {$200.00}, {$200.00}, {$100.00}, and three {$.00} fees at XXXX XXXX XXXX XXXX XXXX XXXX GA. I called XXXX XXXX and notified them of the ID theft, robbery, forgery as the hacker would have had to sign the new card in order to validate it, and tampering with US mail. The hacker 's card was cancelled and a new card is en-route to me. But I have yet again been mandated to pay an additional {$17.00} for this card/shipment. 2 police reports were made to report the crimes in XXXX, MI and XXXX XXXX GA. The SSA admin, XXXX, and Medicare have been notified. All 3 credit bureaus have been placed on fraud alerts with credit freeze. I am highly concerned as I change passwords to my account frequently and do not give out private data, except to those privy-need to know information.
Consumer complaint received 2022-05-13
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. (NC)

Multiple Disputes Sent XX/XX/2022 - XX/XX/2022 Experian Response Received XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX  the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law. 

ACCOUNTS FURNISHED WITHOUT CONSENT XXXX XXXX Alleged Balance {$770.00} Total {$890.00} XXXX XXXX Alleged Balance {$800.00} Total {$1100.00} XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND
Consumer complaint received 2020-02-09
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: Early Warning Services, LLC (GA)

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting FRAUD on my social security number. On XX/XX/ ( Saturday ), I visited the XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX to open an XXXX XXXX account. I went into a branch bank at the request of XXXX XXXX telephone customer service as a prerequisite to opening an XXXX XXXX Account. My credit score is XXXX per XXXX. Once inside the bank, XXXX XXXX refused to open up the account because they allege their system is reporting FRAUD with MY SOCIAL SECURITY NUMBER ( citing multiple names on my social security number ). I informed them that is incorrect, and instead of the branch manager CORRECTING AND BLOCKING THAT ERRED INFORMATION she refused to open the checking account. 

XXXX  XXXX XXXX cops were called, and AN IDENTITY THEFT REPORT OBTAINED ( TRACKING NUMBER XXXX ). I AM DIRECTLY REQUESTING THE CFPB BLOCK THE ERRED INFORMATION XXXX XXXX HAS ON FILE PREVENTING ME FROM OPENING UP AN OPPORTUNITY CHECKING ACCOUNT. MY CURRENT CREDIT REPORTS WITH THE 3 CREIT BUREAUS ( XXXX, XXXX, AND XXXX  ) ARE NOT REPORTING THE INFORMATION XXXX XXXX FALSELY ALLEGES. 

THE CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, IS REFUSING TO DO THEIR JOB VIA BLOCKING THE ERRED INFORMATION AND THEY ALONG WITH XXXX XXXX NEED TO DO THEIR JOBS AND STOP INTERFERING WITH MY FINANCIAL ( SAFETY ) FREEDOM. 

PLEASE NOTE THE UPDATE TO CFPB COMPLAINTS XXXX FILED XX/XX/ ( SATURDAY ) : XXXX XXXX bank is interfering with the processing of Checks disbursed by Georgia XXXX XXXX XXXX XXXX, XXXX, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, XXXX writes the checks from a XXXX XXXX bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM  OF XX/XX/XXXX-THURSDAY XXXX XXXX WHERE I SUSTAINED SIGNIFICANT XXXX XXXX, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY XXXX IN IN ARREARS REIMBURSING ME {$15000.00} FOR treatment resulting from XX/XX/XXXX-Thursday XXXX XXXX, and currently XXXX   owes me {$15000.00} ( PRIOR {$12000.00} ) and have FAILED TO DIRECTLY COMPENSATE ME. 

There lackadaisical attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2022-05-13
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AL)

I have made weekly payments to my credit card account. 
On XX/XX/XXXX2020 I had a {$50.00} payment scheduled to the credit card account. I received an email on XXXX/XXXX/20 that stated the transfer of my payment was not successful. The reason was stated specifically as " Online Payment Limit Exceeded ''.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consistently ensured timely payments, so I'm puzzled by an error in my credit report. I desire accurate, updated records reflecting my on-time payments for those accounts.
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

XXXX XXXX account XXXX NOW Truist account XXXX Paid XX/XX/XXXX mortgage statement to XXXX XXXX in full PLUS {$400.00} additional principal via XXXX checks via XXXX mail. Checks were never cashed. XXXX XXXX account shows I never paid XXXX statement. Not true. 

Received letter from Truist that Mortgage has been transferred to said company as of XX/XX/XXXX, nowaccount XXXX. Online account shows that XXXX payment has been made, but I still owe XXXX payment? Checks made out to XXXX XXXX not cashed. Where is the payment I remitted? 

I have never missed or had a late mortgage payment, clearly a problem with transfer process, HOURS OF MY TIME WASTED ON THIS. I can not afford to make another mortgage payment for XXXX only for the original checks to be somehow " found '' and cashed. I should not have to have a missed payment associated with my/my husbands account because of errors on the part of these XXXX companies.
Consumer complaint received 2020-12-18
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. ()

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.
Consumer complaint received 2019-04-24
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: Experian Information Solutions Inc. (GA)

I ORIGINALLY DISPUTED THIS ITEM WITH EXPERIAN XX/XX/XXXX FOR XXXX XXXX XXXX XXXX IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. EXPERIAN DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR EXPERIAN TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN DELETED AND BLOCKED.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX Account # 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
Consumer complaint received 2020-12-20
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: Experian Information Solutions Inc. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-20
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. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On the XXXX of XXXX, 2020 Capital One reported my Balance of approximately XXXX to the Credit Bureaus as the Closing Balance and Usage Rate for XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 I disputed my Credit Score. XXXX  referred me to the Creditor Capital One. 

On the XXXX of XXXX, 2020 Capital One refused to Report the actual Closing Balance of XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score of XXXX from XXXX. 

On the XXXX of XXXX, 2020 ; I filed a Complaint with the Consumer Financial Protection Bureau against Capital One for reporting my Balance on the XXXX of XXXX, 2020 as my Closing Balance and Usage Rate for the XXXX of XXXX, 2020. Complaint Number XXXX - XXXX. 

A particular Credit CardXXXX line of Credit ; closes on the XXXX of each month. On XXXX, XXXX, 2020 my Balance was XXXX and on XXXX, XXXX, 2020 the Creditor reported my Usage Rate as the Balance on XXXX, XXXX, 2020 of approximately XXXX and even though I received a letter during approximately XXXX, 2020 that the Creditor might report any given Balance of a Proceeding Cycle for the Closing and Usage Rate of the previous Cycle ; I thought that the Creditor was mistaken ; since alterations of the Closing Balance is possibly illegal. 

On the XXXX of XX/XX/2020 Capital One did Respond to my Dispute through CFPB, but with the Closing Balance of XXXX, XXXX, 2020 ; when the Dispute is of the Closing Balance of XXXX, XXXX, 2020. 

THE COMPANY 'S RESPONSE INDICATES THE CLOSING BALANCE DURING THE MONTH OF XXXX, 2020. THE COMPLAINT IS IN REFERENCE TO THE CLOSING BALANCE AND USAGE RATE DURING THE MONTH OF XXXX, 2020. 

THE COMPANY 'S RESPONSE OF MY CLOSING BALANCE DURING XXXX, 2020 OF XXXX. IS CORRECT, HOWEVER THE COMPLAINT IS OF THE CLOSING BALANCE AND USAGE RATE DURING XXXX, 2020 WHICH IS NOT CORRECT. THE COMPANY REPORTED 42 % USAGE RATE OR {$420.00} DURING CLOSING ON XXXX, 2020, WHEN THE ACTUAL BALANCE DURING CLOSING ON THE XXXX OF XXXX, 2020 WAS 29 % OR XXXX. 

On the XXXX of XXXX, 2020 Consumer Financial Protection Bureau closed my Dispute. 

On the XXXX of XXXX, 2020 XXXX  has modified Records.
Consumer complaint received 2020-12-18
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: EQUIFAX, INC. (OH)

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle rXX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.