davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

US Bank on numerous occasions has adjusted and manipulated my transactions to gain more overdraft protection charges. When I called them out on it the first time and told them I had screenshots of the re-arrangements over 3 days they reversed it. The second time they charged 4x overdraft charges to my account while the account was still positive from the last business day. When I called the bank to resolve this error the excuse I was given was that your computer and her supervisor 's computer wouldn't reverse the overdraft charges. Here is a list of transactions and the balance that shows there should be no overdraft charges yet they refuse to return my money. 

XX/XX/XXXX Overdraft Paid Fee {$36.00} - {$110.00} XX/XX/XXXX Atm Fee XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} - {$81.00} XX/XX/XXXX Atm Withdrawal XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - {$79.00} XX/XX/XXXX Recurring Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX {$65.00} {$24.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX {$23.00} {$89.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$110.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$140.00} XX/XX/XXXX Electronic Deposit XXXX XXXX XXXX {$240.00} {$180.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX Az {$49.00} - {$55.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX*XXXX  XXXX {$17.00} - {$5.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$12.00} XX/XX/XXXX Web Authorized XXXX XXXX {$110.00} {$48.00} XX/XX/XXXX Deposit View Image {$150.00}
Consumer complaint received 2021-12-07
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. (NJ)

This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (SD)

I was contacted by AFNI, Inc. regarding a debt allegedly owed to XXXX. This debt was previously handled by XXXX XXXX XXXX, and was discharged in a Chapter XXXX bankruptcy on XX/XX/2019. 
Apparently now, XXXX has contacted AFNI or XXXX XXXX Solutions has sold the debt to AFNI and they are now trying to collect on the debt that was clearly discharged in bankruptcy.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (CA)

Dear US Bank, I did not realize until recently that a personal checking account XXXX and a business checking account XXXX was successfully opened in XX/XX/XXXX. At the time, I was told by a US Bank banker that you were not able to open the accounts successfully. 
I just realized it was indeed opened and I have been charged fees for it. I would like to keep the accounts open going forward, but I kindly ask that you reverse the following fees : Account : XXXX XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee Account : XXXX XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge Thank you,
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Information Bureau (CT)

Scam on : XXXX Hello I would like to make a report on fraud alert. I was trying to Call XXXX @ XXXX to make a fraud alert and I didn't realize that I accidently dialed XXXX instead of XXXX. A lady answer saying she from XXXX and asked me for all my personal information including name, address, and my social security number. Then she says she can offer me a life time social security protection for life time for a one time charge of {$290.00}. Then i heard dog barking and someone laughing and thought it was weird and unprofessional. then when i had them look up info on my XXXX account they were not able to. I looked up the phone number XXXX and there were multiple scam reports stating that this lady was impersonating XXXX to steal money from people. She sent me an fake email and kept insisting to get my credit card number. I would like to report that it is a scam. They made there phone number similar to XXXX to trick people into calling them instead of XXXX. I would like someone to catch these fake scammers impersonating the IRS and XXXX XXXX of advise be careful and double check number to you call before giving personal information. I learned the hard way. Thank You
Consumer complaint received 2021-12-07
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. (TX)

This complaint seeks to have XXXX XXXX and TransUnion identify why is there a report of a 30 day late reporting to TransUnion on an account that was paid and closed in XX/XX/XXXX with XXXX XXXX. I've tried to bring this to the attention of XXXX  supervisor ( who I was told was on the phone and then at lunch and he would return my call but never did ). I continued to make calls attempting to rectify this issue, using all my time and energy for this egregious error that caused an 18 point decrease in my credit score. I brought this to the attention of XXXX and they deny they reported this ( although I disputed the 30, 60, 120 day late they did report back in XX/XX/XXXX and again in XX/XX/XXXX ). I was told by TransUnion supervisor that it was the creditor that report these items. I am back and forth between TransUnion and XXXX and both are saying it was not them it was the other.
Consumer complaint received 2020-01-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I have a {$20000.00} credit limit with USAA for 11 years. All of the sudden they cut it to {$500.00}. Explanation, I didn't use it. 

I tried explaining that we had a family illness and were caught up managing health. Also, explained that I managed credit wisely never late and instead of wasting money and then filing for bankruptcy, I prudently utilized the available credit limit not to put their company 's money at risk of not paying back. 

Was tald I can apply for another card, I did and immediately got rejected, XX/XX/18, reason : '' Our decision to decline your request was based on the following reasons : Maximum Credit Limit Reached. '' But just yesterday, applied at XXXX for their XXXX and got instantly approved for a higher amount. 
How unethical for USAA to do a hard pull, when they in-house already pre-decided who gets what, just because. I view this as a discriminatory action. 

I have {$30000.00} XXXX XXXX and XXXX no problems. 

After USAA rejected me today, I closed *their* credit card.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CA)

I noticed a mysterious charge for a couple hundred dollars to my prepaid card. I called them up ( Blackhawk network ) and started a dispute. They told me to email in the required info. I did so, but they closed the dispute claiming I had never sent the info in. They said I could send it in to get the case reopened, so I sent them the same email again. They did nothing, and I called again and they claimed the previous rep had lied to me and refused to resolve this fraud.
Consumer complaint received 2020-01-30
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. (DC)

I already reached out to Experian and to XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Consumer complaint received 2022-08-12
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. (TX)

On XX/XX/XXXX I mailed a letter to Equifax .Consumer Financial Protection Bureau. , I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 
Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Consumer complaint received 2021-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (PA)

Pursuant to 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX XXXX, the consumer is aware that credit was extended using affiant 's credit card as defined in 15 USC 1602 ( l ) I, the consumer has ceased communication with Navy Federal Credit Union and through ANY medium.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (AZ)

Ally Financial made an offer to it's customers to skip a payment in XX/XX/XXXX-XX/XX/XXXX. I know this is common, since my parents are often offered the same benefit through their credit union during this holiday period. My wife agreed to skip the payment, thinking it was a nice perk. Now we have discovered that Ally Financial has damaged our report, by reporting that the payment was simply never made! 
We have contacted them and they are unwilling to acknowledge that they made this offer. We are certain, the same thing is happening to others. We want this fixed immediately, along with any subsequent effect to our credit reports. Some years ago, I was very, very sick and I called Ally who assured me I could skip a payment, but then they penalized me, and our credit suffered. After a XXXX and the sale of our home, we have been working VERY, VERY hard to improve our credit score, and this is an assault to that effort. Please help! Many years ago with our first home which was financed by GMAC. They did the same thing and it hit our credit as if we had simply ignored a payment rather than just taking advantage of an offer. We now have learned that GMAC and ALLY are the same company. We also believe they are reporting the old issue past 7 years. This is not coincidental. It is a practice to trap people into paying more and it gravely hurts our credit. This company is the only reason that my credit is not perfect. I know they do not report accurately and it surely must be harming many, many people.
Consumer complaint received 2020-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX XXXX XXXX  ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NY)

Hello My name is XXXX XXXX XXXX, I am trying to taking an old account of mine out of collections. The original collector is XXXX   XXXX XXXX. They say I owe XXXX. However when I call them to settle this account they say they sold it to XXXX, when I contact XXXX they say they sold it to XXXX XXXX. And when I call XXXX XXXX they say I have settled this account. As of today XXXX XXXX is still being reflected on my credit report under collection. Please advise as to what I can do to have this old account that apparently no one has to be removed off my account. Please advise. My number is XXXX XXXX XXXX XXXX XXXX XXXX. Thank you so much.
Consumer complaint received 2020-01-30
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: Southwest Credit Systems, L.P. (TX)

SOUTHWEST CREDIT SYSTEMS- XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY.
Consumer complaint received 2024-01-21
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. (CA)

I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, XXXX, and Transunion are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Consumer complaint received 2022-06-12
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. (NC)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I purchased my home XX/XX/1999 for {$58000.00} and my monthly payments were between $ 600- {$800.00}. At that time it wasn't explained to me the type of mortgage I had. Since then, I have been switched to 5 different mortgage companies without my consent. My current mortgage company is with Shellpoint Mortgage Company and my current balance is {$150000.00}. My current mortgage payment is {$1700.00} monthly. My mortgage term is 564 months which is 47 years! I was not aware of the mortgage terms until today. It was never fully disclosed to me what my interest rates were/are or the term of my mortgage. I feel I am a victim of predatory mortgage lending. I make my monthly payments and the balance never goes down. My monthly payments go up almost every month. I am in fear of losing my home because the payments are too high and my balance is not changing.
Consumer complaint received 2024-02-06
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.