davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

I was trying to sell a washer and dryer on XXXX. There was a buyer who said he would pay me on Zelle. I hadnt used it before but Id seen it on my banking app so figured it was safe. The buyer sent me the {$280.00} on Zelle, and I got an email that appeared to come from zelle saying I received a payment but that my account hit its limit and the buyer had to send {$200.00} to my account to raise the limit and I needed to send {$200.00} to them and send a screenshot to prove I did so. After this I got an email saying I had to send an additional {$300.00} because the verification failed. At this point the {$300.00} transfer was put on hold and I was alerted to contact my bank. I did so and was informed it was a scam. I continued to receive messages from the buyer demanding his money. He sent me screenshots of bank transfers from his account with his name to my name. All of this was done through my banking app not a third party app. When I tried to download the zelle app it said I had to go through my banking app.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

My Wife and I completed and submitted a refinance with Navy Federal Credit Union in XXXX of 2020. We have completed all of the paper and submitted the paper work via Navy 's online process. All we have gotten back from Navy is phone calls asking us if we still want to process with the refinance and each time we say yes. We are now in the 7th month and no closing date. I have reach out to Navy many times for an update and no response. There is something here seriously wrong.
Consumer complaint received 2021-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc (NV)

This has been reported on my XXXX for yrs as unpaid or paid, switching back and forth. The name of the company is XXXX XXXX XXXX XXXX but that changes all the time as well, or doesnt even have any info or name. I have disputed this account many times and asked for a debt verification proving this is my debt. I have never received any communication or response back. I believe this account is in violation of the HIPAA act of 1996 and any information they have received has been without my consent. That is why they have failed to respond back to all of my requests for proof this is mine!
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Happy holidays everyone, I am writing this note and complaint to warn all military and veterans not to use this company for nothing whatsoever. First of all, Ive always made all of my payments on time and yet they are saying that I had a payment returned two weeks ago when I fully have all the payments made without any returns from my bank account. 
I called today XX/XX/XXXX to let them know that they have not released my funds which has been deducted from my bank account, so the agent says that he needs to call my bank to verify. I said go ahead, we did the verification with my bank agent and they said yes the amount have been deducted from my account and that capital one should made my funds available, but yet the agent says that they can not release the funds until 7nto 10 business days. So I ask for a supervisor and when he got on the phone ( XXXX ), also told me that I had a returned check, so I asked him to prove it and yet he couldnt. Because I know I never had a returned check for no reason whatsoever to capital one and I am attaching the screenshots so you can see for yourself. He was like, I can not release the funds. 
So tell me people what kind of practice is this method by capital one, I also told them that I need the funds to be released because I am out of the country and I need to make some purchases because that is the only card I have in our possession and yet he was formed on his decision that no no he will not release the funds until the 7th to 10th days. And yet on the capital one application it clearly states that funds will be available the next business day, so what is going on capital one are you that big now that you have a green light to abuse customers. Just shame on you. 
I have more complaints which I have more proofs just because I dont have the time and health I said forget it but now this is too much. And yes capital one I have the proofs for everything. Lets go to court and see who will win.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from my credit report.
Consumer complaint received 2020-09-23
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (OH)

My credit union is showing a collection account reporting on my XXXX   account with sunrise collection for the amount of XXXX which is showing reported by XXXX XXXX, I called XXXX XXXX and they advise that the account I had with them was not reported to collections and the account is at a XXXX balance. I called XXXX  and as of XX/XX/2020 there is no collections showing from XXXX XXXX or Sunrise collection nor is there an amount of XXXX showing in a collection status. I need this removed from my account as I have the invoice coming in the mail from XXXX XXXX showing that there is no balance due.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CA)

I recently applied for a Total Rewards Visa credit account through XXXX XXXX. I have a credit score of XXXX as was stated in my denial letter dated XX/XX/2018. I believe the decision to denial my application is discriminatory in nature. Application number : XXXX. Total Rewards # XXXX.
Consumer complaint received 2018-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account : XXXX XXXX  Acct # XXXX was previously reporting on my Transunion report and now it is not. There was a late payment that I disputed because the company was reporting it in error and it was fixed on the other two bureaus but it was removed from Transunion. 

I am in the process of purchasing a home and by this account not reporting ( it was removed and stopped reporting ) by Transunion it lowered my scores significantly. I  have contacted XXXX XXXX  directly several times and they have sent me a letter saying they requested TransUnion reinsert the tradeline ending in XXXX to my report and it is still not reporting after several months. 

I am purchasing a home and need this account to go back to how it was and report on my credit report! The company has requested it to be reinserted. Please help! I need this account to report to buy a home!
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NY)

Collectors Name : DIVERSIFIED CONSULTANT Account Info : XXXX Creditors Name : XXXX Date Opened : XX/XX/2017 Balance : {$2500.00} Debt : {$2500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

This issue is turning into a serious problem! This company is not responding back to me, and after several attempt sending them my proof of identity, and disputes going back starting in XXXX with no response what so ever, i'm getting ready to contact an attorney! They are required by law to respond back to me no matter what! Also are required to send me my annual credit report, and handle any disputes i have. I have inaccurate info that is hurting my score and are refusing to look into it. I have a previous complaint with this company Complaint # XXXX, and has asked me for my proof of identity to be mailed to them which i have done 5 times already with no response back what so ever!!! I am not going to keep sending my proof of identity to them if they are going to ignore my letters!!! 5 times i have sent out my proof of identity and not one response back, or credit report! I did everything on my end, but they are clearly not checking their mail, or ignoring my disputes! I will hire an attorney and file charges if they do not get the act together. I have no issues with the other 2 agencies, and can not blame the worldwide shut down on it as an excuse because this is going back to XXXX before the shutdown! I just sent 2 more letters in the mail with again my proof of identity this time by certified mail. I have included my proof of receipts as proof! I am loosing my patients with them and am not having any issues with XXXX XXXX, or XXXX! I am including my proof of identity, the letter they sent me asking me for my identity, my request for my annual credit report, documentations of disputes, in this complaint! This is the final time sending these in before i hire an attorney to file charges! This is not legal and is a violation of my rights under the fair credit reporting act!!! If they changed their address, then they need to let everyone know. They currently have multiple addresses and have sent it to the address on the letter they sent me, and to a different address that is on the web.I use the same address for years.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2020-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (UT)

Midland Mortgage bought my loan from XXXX XXXX XXXX  on XX/XX/2020. 

I was in the COVID-19 Deferral Program when my loan was bought. I owed {$8400.00} in deferred payments. 

On XX/XX/2020 Midland mortgage asked if I wanted to continue with the deferral program and I said yes. 

On XX/XX/2020, I was able to make all past mortgage payments and get myself caught up on my payments. 

On XX/XX/2020. I made my regular monthly payment. 

All payments were drafted from my account and credited to my mortgage. 

However, when I asked to be removed from the COVID-19 deferral program on XX/XX/2020 and XX/XX/2020, I was told that the process was in place and that I would be taken off the program. 

This was never done. In fact the opposite was done and they continued to extend my deferral program to future dates instead of removing me from the program. 

On XX/XX/2020. I requested that the process is completed again as well as a status letter be mailed to me and was told there everything was in process again and to check back in two more days. 

I have been trying to refinance my mortgage and take advantage of the lower interest rates and they are putting that process in jeopardy. I honestly feel that this is a breach of contract and they should be held accountable for their actions.
Consumer complaint received 2022-03-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

Walmart MasterCard, through XXXX XXXX, put me on paperless billing on a 'trial basis ' for one month, without my permission or agreement and I was unable to find the place on their website to opt-out of the trial. When I missed my monthly payment date, they not only charged me interest, they also charged me a late fee. I always pay my account in full every month and having them do this without my permission was very very upsetting.
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (AL)

Between XX/XX/21 and XX/XX/21 there were a number of fraudulent charges made on the credit card I had at that time, totaling {$5100.00}. I called and reported this to the credit card company, BBVA Visa. They cancelled the card and issued me a new card, sending it to me via US Mail. Before I received the new card in the mail, I noticed on my account for the new card ( via online banking ) that all the fraudulent charges had been transferred to the new card, but the amounts had changed somewhat. On the new card, which I have never activated, the fraudulent charges total {$2800.00}. Again, I called and disputed the charges and advised them that the amounts of the charges had changed from the original card. On XX/XX/21 I received a letter from BBVA Card Fraud Operations Group that the investigation was closed and the " corresponding credit applied to my credit card account in the amount of {$590.00} is considered final ''. They are charging me interest on the fraudulent charges. I will continue to fight this with BBVA, but have been advised I needed to report the issue to FTC, which redirected me to CFBP. Any help you can provide will be greatly appreciated.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I responded to an ad on pages in my profile of XXXX XXXX offering XXXX  miles after opening a new account and spending a certain amount. 

I was approved, met the qualifications but did not get the miles ; and, when I called about it, I was told that I was not eligible since I had had a mileage credit card less than 2 years ago. 

I pointed out : The ad was on my profile pages of XXXX. 
There was no mention of this requirement in any of the pages of the offer on the website- I have printed and kept every page. 
I was not told when my application was accepted that I was not eligible for the mileage offer. 
I was not told I was not eligible for the miles in the literature I got with the card. 

I believe this is false advertising I told them on the phone and they said they would investigate. I got a letter in the mail restating that I was not eligible. I sent them a return letter on XX/XX/XXXX ( attached ) restating why I thought their advertising was misleading and that they should award me the XXXX  miles. 

No response
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (PA)

I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( Experian and XXXX ) 2. XXXX XXXX ( XXXX, Experian and XXXX ) 3. XXXX XXXX XXXX ( XXXX ) I dont know if you guys can help also with these inquiries I know  nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American First Finance, Inc. (CA)

I have 3 account with ameriican first finance that is not being reported to my XXXX or XXXX report. They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with AMER FST FIN.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

A fraudulent checking and savings accounts were opened in my name using my social. I currently bank with Wells Fargo and had 4 accounts opened with them. These new accounts used a different email, phone number and mailing address when opened. Then the identity thieves opened a new profile with a seperate social to access these accounts online. At no time was this flagged or notified me. If using my name and social but everything else was different, why wouldn't these be flags in their system. I could see all of these accounts under my profile but they said the fraudulent profile could only see the 2 new accounts. Doesn't make sense to me. 

The fraudulent accounts never had money put into them but they transferred {$100.00} from the checking to the savings. How do you transfer money when no money was there? So the account was negative {$100.00}. Then they transferred {$160.00} from the savings to a XXXX XXXX Checking account. Again how do you transfer money out of an account when no money was ever there? Wells Fargo couldn't even explain the activity. All of these things should have been flags in their security system. Where are their protocols and protection to the consumer?
Consumer complaint received 2022-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act 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 2022-07-17
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. (SC)

I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

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