davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

I was scammed. I found a guy on the XXXX app ( pet sitting ) who wanted me to take care of his dog. Said he was moving to the area. We talked for a while about that. Then he asked me if I would be willing to do some personal assistant stuff and asked me to order him some supplies so he could have them ready when he arrived. So he sent me a check for {$4500.00} with a list of stuff to order. I deposited the check at PNC Bank on XX/XX/XXXX. He then told me he hired a personal shopper and asked me to please send the money to his shopper instead of ordering the supplies myself. So I sent all the money via XXXX. Today, on XX/XX/XXXX, the check bounced and was found to be fraudulent, which put me in the negative for that amount as I had no money in the account at the time. I replenished the money, in CASH within the hour of it bouncing. After I replenished the money, all of my accounts were frozen. I went into the branch and was told that my accounts were being closed, and I would not be able to open a new account as they were terminating the relationship. I begged them not to do that. All of my bills come out on the XXXX, and Ive been banking there for XXXX years. I sobbed and begged. They told me no, gave me my money, and sent me on my way. I was the VICTIM of a scam. And my own bank not only wouldnt help me on the fraud end, told me they could do nothing, they then terminated all of my accounts immediately.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (LA)

XXXX of 2023 I filed a claim for XXXX XXXXransactions that were not authorized by me for a total of {$1200.00}. The bank denied my claim and closed it. In order for them to reopen it they suggested I file a police report. So on XX/XX/2023 I filed the police report and once again they denied and closed my claim. Ive done everything I can had to do to prove I didnt authorize those XXXX XXXXransactions. Wells Fargo has been a pain when it comes to fraudulent activity. Ive even changed my username and password with their help.
Consumer complaint received 2022-10-25
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. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (KS)

We purchased a Time Share XX/XX/XXXX from XXXX XXXX. We updated this on XX/XX/XXXX when they offered and approved me for a XXXX XXXX XXXX XXXX where they paid off the original Mortgage and reported it on my credit report as {$0.00}. We upgraded XX/XX/XXXX and XX/XX/XXXX when we purchased additional points. 

We purchased additional points XX/XX/XXXX the other open mortgage should have been reported as a {$0.00} balance when this was added to the XX/XX/XXXX upgrade. 

I applied for a home mortgage where XXXX XXXX discovered my credit report showed I had three mortgages with XXXX XXXX which is incorrect. I have one loan and one payment. 

XXXX XXXX contacted XXXX XXXX stating this is causing a delay in obtaining the home loan and could cause me to possibly not be approved. XXXX XXXX refused to fixed the errors. 

I called XXXX XXXX asking for this to be corrected they said they were sorry for the error and they only show the one loan and one payment. 

XXXX XXXX attempted again to get this corrected, XXXX XXXX refused so I am paying a higher interest rate and was forced to pay mortgage insurance due to XXXX XXXX failure to correct their errors on the credit report.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

I went to a XXXX office suffering from horrible XXXX XXXX. They told me about monthly payment plans and my social was needed for it. I'm thinking to make sure I don't get my teeth fixed and run off without paying them. I didn't think it was to run credit I could've pulled up on my phone!!! Not only that but they didn't tell me that it'll be on my report for 2yrs as an hard inquiry!!! Dropping my credit score for services I NEVER USED!!!!!
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, & XXXX continue to report an allege bankruptcy that they can not verify. XXXX indicated that the information has been removed and the courts state they do not verify bankruptcy. I would like the consumer agencies to turn over the documents they used to verify this bankruptcy immediately.
Consumer complaint received 2021-05-15
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)

I have been disputing a paid off balance with a merchant since XX/XX/2021. I submitted a dispute on this merchant account 3 times, included supporting documentation, yet Experian still lists it with a balance of {$1100.00} and states on the dispute, " no change ''. Today XX/XX/2021, I got an email that my dispute results are ready and now it's showing my account for the merchant still has the {$1100.00} balance and is " Closed ''. It is NOT closed, it's only paid in full but still open. This is extremely frustrating trying to correct incorrect information about ME on my report when it's clearly incorrect. The stress from trying to prove I paid this account off in full is extremely stressful. I just want this fixed and corrected.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

Lvnv Funding ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have started COVID-19 Forbearance Payment Deferral program with Wells Fargo since XX/XX/XXXX. At the end of my last 3 months forbearance period ( End in XX/XX/XXXX ), I called early on XX/XX/XXXX because Wells Fargo have sent communications to discuss next steps and options. I called in early to discuss options with a representative and was told that at the end of 3 months, I will resume my original mortgage payments and all payments will be deferred as part of CARES Act. In error, the agent canceled my forbearance early stating that I am ready to resume making payments. I called Wells Fargo multiple times in XXXX and XXXX to get that fixed and luckily they were able to put be back on for the remaining 2 months which ends in XX/XX/XXXX. As of XX/XX/XXXX, my mortgage is backed by XXXX XXXX and it states that I am eligible to extend up to 18 months if I was on it as of XX/XX/XXXX which I am since XX/XX/XXXX of last year. As I am still affected by Covid, Wells Fargo did not reply timely and I have called and spoke to the forbearance department since beginning of XXXX. They have escalated the issue and no reply back on resolution. They only tell me I am ineligible and did not state any reasons. The calls are recorded and please review since XX/XX/XXXX.
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I have called on the below loans for the past 5 years and was told every time all my loans through Navient are consolidated and I could do nothing about lowering the interest rates. In addition, I have 2 direct loans ( one subsidized and one non ) I was told are able to be consolidated. My only option given was to keep the interest as is and get on a graduated payment plan thus paying way move over the past 5 years than I should have due to incorrect information. Navient reps have always been unequipped to efficiently handle my financial need and this has prove to cost my thousands of dollars in interest. Just look at how long I have been paying on the below loans. 



XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$4800.00} 8.125 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$7000.00} 9.125 % XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

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.

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 2024-03-09
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. (NC)

I recently checked my credit report and I see 1. XXXX XXXX XXXX XXXX account number XXXX 2. Unknown Account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX 3. Unknown account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX These accounts are reporting fraudulent and inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account, and also other documents so that I may review to see if this is actually an account that belongs to me. 

Also I have several unauthorized inquiries in my report that I never gave permission to run my credit. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Consumer complaint received 2022-04-11
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2021-05-15
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)

CFPB complaint XXXX was denied by XXXX in XX/XX/2021. XXXX has proceeded to retaliate for filing this report. In XXXX Equixfax received per their knowledge that XXXX reported this account now nearly 6 years closed and 60 days late. 

I am filing another CFPB report against Equixfax as well for illegally posting adverse information against a long closed and paid full account. 

I am providing added information related to Complaint XXXX again outlining how XXXX XXXX was slow to process a mortgage pay-off from another financial institution, likely also in retaliation. 

I am demanding monetary reimbursement for 5 years plus of unjustified reporting by XXXX and now more emotional distress as I prepare for an new business loan which will be stalled until this is resolved. I had a credit rating of 820 plus which dropped 61 points overnight due to XXXX XXXX retaliation.
Consumer complaint received 2022-10-25
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)

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 4 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Five months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : 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 Balance : {$0.00} XXXX XXXX XXXX  discharged Reference # : XXXX
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (VA)

My Citi Credit Card Account ending in XXXX was apparently shut down for suspicious activity on XX/XX/XXXX. Being a victim of Fraud before, typically you get a new account number when there are fraud charges but this time they closed my account and I do not have access to the account. I was not notified about the fraud nor did I authorize the permanent closure of the account. I do not have any access to Funds on this account but the account is enrolled in autopay which pays the account every month. I have tried to call several times over the past 4 months to get this resolved and the last representative advised me I needed to reapply for a new account. I just want to understand why I was not notified that my account was being closed and why am I being asked to apply for new account when funds are being withdrawn for my banking account to pay for an account I can not use. The only explanation I received was that I had Fraud on my account, so because I had suspected fraud my whole account is closed with notification?
Consumer complaint received 2022-04-11
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 n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-04-11
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. (TX)

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 that a consumer reporting agency can not furnish an account without my written instructions.