davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore XXXX is reporting a 90 day late payment but XXXX and Equifax are not.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore XXXX is reporting a 90 day late payment but TransUnion and XXXX are not.
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (GA)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which WELLS FARGO DEALER SERVICES is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I never received any response from them and they did not update the credit report as disputed. 

WELLS FARGO DEALER SERVICES is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent accounts information which is in direct violation of the FCRA.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent a letter to the 3 Credit BureausXXXX XXXX, 2022 to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$190.00}
Consumer complaint received 2019-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i had i checking account with capital one i have stolen 2 checks was cashed it was not my writing on my signature on the checks capital one cleared the checks when i find out that they just gave me very hard timeo get copys of the stolen checks never willing to help me and closed my account i filed a complain against the cashing bank XXXX XXXX after while XXXX XXXX refuse to give me info ( there letter included ) they said i have to file dispute with capital one and here im capital one they are responsible for my money taking away
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MO)

XXXXXXXX XXXX  XXXX XXXX through Wells Fargo decreased my line of credit from {$2900.00} to {$1000.00}. This was done because my account was considered inactive. I have not charged any items on the account for over 1 year. Due to COVID I was not shopping in stores and I did not need the amount of clothing I had ordered in the past. 

Wells Fargo did not contact me prior to making the reduction in the credit line. I was advised through my XXXX account a change had been made in my credit limits. I started calling Wells Fargo on After several calls to XXXXWell Fargo I received a letter acknowledging my contacting the company. 

I talked with XXXX on XX/XX/1922 who stated a letter from Wells Fargo was mailed to me on XX/XX/22. I have yet to receive that letter. He escalated my complaint to Wells Fargo and I talked with XXXX. I was told by all customer representatives my credit limit could not be restored because Wells Fargo was not making any increases on XXXXXXXX XXXX XXXX XXXX 

Please see the attached documents. 

I received a call from XXXX on XX/XX/22 who again stated a letter was sent to me on XX/XX/22. I was still told Wells Fargo would not reconsider restoring my credit limit just because iit was not doing so.
Consumer complaint received 2022-01-10
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)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

TO WHOM IT MAY CONCERN, XXXX XXXX XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf of Citizens bank nor do I know who XXXX XXXX XXXX. Im constantly being harassed by this company. 
PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (SD)

Citibank offered {$700.00} bonus for {$50000.00} transfer. On XX/XX/XXXX I opened a Citibank account. On XX/XX/XXXX I sent the {$50000.00} to Citibank. On XX/XX/XXXX Citibank closed my account and froze my funds. They cited that my external bank where I transfered funds from said I was not the owner. I verified with my external bank that the transaction was valid and there were no problems. They said I could show my account statement as proof.
Consumer complaint received 2019-07-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY (NY)

My XXXX XXXX money order was stolen, fraudulently altered and forged by a TD Bank customer, who then deposited the money order into its TD Bank account through TD 's ATM machine. TD Bank, as the XXXX XXXX XXXX XXXX, was not authorized to clear this stolen money, and is legally liable to reimburse me for my loss, {$180.00}. TD Bank sent a letter to XXXX XXXX denying my request for reimbursement on XX/XX/XXXX despite its own letter stating : " If an item contains both an unauthorized signature of the account holder or purchaser and an alteration it is deemed to be a forgery and the drawee/payor bank is liable ''. TD Bank is the BOFD/drawee/payor bank! In follow up, I received a letter from TD Bank dated XX/XX/XXXX asking me to re-submit to TD Bank my claim in the format it needed ( altered payee only ) even though the money order had been both altered and forged, and assured it will refund my money. Throughout numerous conversations with TD Bank 's XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I was assured TD Bank will reimburse me once it received the new submittal from XXXX XXXX, but repeatedly lied and claimed they never received the form from XXXX XXXX. XXXX XXXX, through my CFPB complaint, responded it had in fact furnished TD Bank TWICE with the newly submitted claim form ( for altered payee ) back in XX/XX/XXXX, to which TD Bank repeatedly lied and claimed it never received. I intend to sue TD bank in Small Claims Court for my loss, and am at a loss to understand their scheme to cause intentional harm and defraud me out of my right to reimbursement.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax continue to report the account listed as XXXX XXXX incorrectly. The account has several inconsistencies which means it has not been properly validated. Furthermore any account charged off with a balance over {$1.00} that credit balance is due to the consumer so how is this account reporting a high balance and several late payments. 

Account Type - Detail : Flexible spending credit card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$13000.00} {$13000.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
Accounts closed by credit grantor Amount XXXX XXXX XXXX XXXX credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (MI)

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; 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} Ive sent in disputes for these items before. Ive went to XXXX XXXX XXXX XXXX XXXX XXXX to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. defamation of character. can't aet approved for my mortaage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my family as well
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (MD)

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 XXXXXXXX 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, 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 2019-03-12
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (GA)

The company states that my name, address, and personal info was used to open the account but that still doesn't make it mine. The XXXX account is not mine and i wont it off my report. Just because they say it's mine doesn't make it true. How can they put this on my record? Did they see me do it? What proof do they have? Make them delete this from my record and there little comments ...
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX continue to report the account listed as XXXX XXXX incorrectly. The account has several inconsistencies which means it has not been properly validated. Furthermore any account charged off with a balance over {$1.00} that credit balance is due to the consumer so how is this account reporting a high balance and several late payments. 

Account Type - Detail : Flexible spending credit card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$13000.00} {$13000.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit XXXX Account has been closed due to inactivity. 
Accounts closed by XXXX XXXX Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-10
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. ()

So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass 600 and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors
Consumer complaint received 2018-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In XX/XX/2008I was declared XXXX and tXXXX XXXX by SSI. I was unemployed and was having trouble repaying my loans. I was told I was out of all forbearance and deferments. I spoke to many customer service agents and at one time I began to plead and said that I was XXXX. All of a sudden I was put on hold and then they asked if I had proof and I said yes, so I sent them my letter from SSI which stated I was XXXX XXXX and that my case wasnt to be reviewed for 7 years. They then said they could put me on a special deferment and nothing more was said. Fast forward a few years, I found out that I had been eligible for complete and total forgiveness of my student loans due to my XXXX and the SSI letter I faxed them, and all of the information I had provided them. Not once was this information mentioned to me about XXXX   forgiveness. Instead I was put on continual deferments making my original loan payment balloon to more than twice what I originally borrowed. I feel this was just such a disgusting manipulation and intentional malice on the part of this company. Truly disgusting and dishonest behavior, to intentionally not mention that I had qualified for total forgiveness due to my XXXX XXXX which they were aware of. I had been unemployed and XXXX for many years. If I had known of this exception ; if I had been given this information by my loan servicer Sallie Mae, I could have applied for forgiveness, and due to me not being able to work for many years, my loans would have successfully been forgiven a long time ago. Many years later, I was able to receive proper medical help and have now recieved employment and am now off SSI, which is great. However, I now have a ballooned loan so big due to Sallie Maes special deferments for my XXXX that I will probably never be able to pay it off, and it angers me that this could have been forgiven years ago. Sallie Mae is a corrupt and dishonest company, and sucks money from and lies, even to XXXX people.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (SC)

XX/XX/2021 XXXX XXXX Discover Bank To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws such as 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

, I hereby request that you cease and desist ALL communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe.

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued.

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

On XX/XX/XXXX, I called Capitol One about an account that was turned over to their collection department. I tried numerous times and no one answered my call. My sister had guardianship/conservatorship. During the time she was in charge of my finances, she did not pay 4 of my bills and Capitol One was one of them. I could not have them verify the debt nor could I see if my sister had used the card for purchases herself.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (NM)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

I wrote a letter to XXXX XXXXXXXX XXXX requesting a copy of the agreement that I allegedly signed giving them permission to report my information to the credit reporting agencies XXXX, XXXX, Equifax and XXXX with my signature wet or electronic. I was sent two letters back reflecting both of the accounts that I had with them. XXXX XXXXXXXX XXXX responded back with two letters stating that they do NOT keep copies of contracts/ application more than 25 months and electronically which would prove that I did/did not give permission to furnish my information to the credit reporting agencies or agree that I have the right to OPT in or OPT out. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and advised XXXX XXXXXXXX XXXX  since they were not able to show proof that the alleged original contract between myself and there company exists and that I was not given the legal right to OPT out of having my information furnished to all credit reporting agencies. I am legal given they opportunity to opt in or out of have my information furnished according FCRA. I have demanded on several occasions to delete the two accounts from All credit reporting agencies. They refuse. I have also called XXXX, XXXX, XXXX, and Equifax to remove the accounts and was met with lies and was hung up on even though I was nice and polite.