davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BMW Financial Services NA, LLC (CA)

RE : Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too. 

BMW Financial of N.A. or BMW USA only reports to XXXX and therefore XXXX can not see the 4 year history of payments on my XXXX vehicle and its status as Closed in Good Standing. I am trying to get a credit line with a bank who relies on XXXX  not with XXXX where this favorable history was reported. I can not add this info to XXXX unless BMW Financial of N.A. or BMW USA agrees to send it and they are not because as XXXX explained, BMW Financial of N.A. or BMW USA is following Federal Law by having only reported to one bureau.

This creates a disadvantage for consumers when creditors both : report to only one bureau, and when consumers want a line of credit from a creditor who relies exclusively on a credit report the consumer can not add favorable credit histories to because by law a creditor is required to report to one credit bureau. Consumers can't migrate favorable credit histories to creditors who may exclusively rely on one bureau.

Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too.

Resolution : Allow consumers to migrate their favorable credit histories between the bureaus by having the bureaus either give consumers templates and contact info to do so bt/ the bureaus or to issue such favorable credit history reporting in correspondence between the bureaus on the consumers behalf.

My account # which is closed and in good standing is Loan Account # XXXX
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-04-03
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)

In accordance with the Fair Credit Reporting Act XXXX, has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2019, I submitted via certified mail, notarized FTC reports, notarized police reports and notarized personal statements that highlighted fraudulant/inaccurate personal information and inquiries on my credit report with Transunion. Per my request and FCRA rules the bureaus had 3 days to remove incorrect information from my profile, however they only removed/updated some items. I have given the bureau ample time past the allowed time given via the law to remove all fraudulence personal information and associated inquiries yet they are refusing. I have disputed such items and the bureaus has refused to properly verify the validity of such personal information and inquiries. 

*Please see attached documents titled Id Theft6 and Id Theft2 underneath address and Inquiries
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (IN)

A XXXX XXXX credit card service representative gave me false information about how the account effects my credit score, which resulted in my account being closed. Once I learned otherwise, I called to ask if the account could be reopened so I can improve my credit, and not only was I denied because they wanted to make me open a brand new account with a smaller credit line, but they changed my close date on the original account to the date of the phone call which added 4 years on to my credit report removal date. The credit company refuses to change it after several attempts being made through the 3 credit bureaus.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was issued a credit card by Fifth Third Bank that I did not apply for. I had co-signed a checking account for my XXXX mother about five years ago because she had trouble writing after her XXXX. She passed away XX/XX/XXXX. I notified the bank and they closed her checking account, but told me I need to call a special department at Fifth Third to get her credit card closed. It took me about 8 phone calls to get in touch with the department, as it appears there was only one man working there. I had to send her death certificate, which I did. 
About a month later, I received a credit card bill with my name on it. I had not applied for a card. It had finance charges. Evidently, my mother 's account, after being closed for four months, had been hit with a charge from her insurance plan ( that had also been cancelled ). Instead of refusing the check, the bank decided to charge my erroneous credit card ( the one I did not apply for ). I called the bank, they apologized and told me if I brought in {$47.00}, they would reverse all overdraft fees. I had to drive to the bank and do that. A month later, I received a credit card bill with fees and interest. The bank has received at least XXXX phone calls from me as well as faxes, in person visits, and escalated supervisor calls because I started receiving statements for finance charges for an account I did n't open. I 've spoken now to XXXX different representatives who apologize profusely, say the card will not incur any more charges, and yet every month, it happens again. It is now XX/XX/XXXX. I received a statement on XX/XX/XXXX ( and numerous subsequent emails ) saying there are now {$21.00} in finance charges. I am so, so angry. I never applied for a card. I did receive a credit card back when the checking account was first opened, but I shredded it because I did n't want it. It has never had a charge from me on that account. I do n't know why the bank paid out on a check that hit their bank four months after my Mom died, then charged it to a credit card they had opened in my name. When I spoke today to a representative, they said that Fifth Third would never do that. Well, they did. For the fourth time, I 've been told that the account is closed and all fees reversed. They 've apologized over and over. I do n't believe them and I am out of my mind with frustration. How can they do this?
Consumer complaint received 2022-04-03
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

To whom it may concern, I purchased a condominium via Guaranteed Rate dated XX/XX/XXXX. Within months, the mortgage was sold to Wells Fargo Home Mortgage. Since purchase, I pay ~ $ 1500 monthly payments to Wells Fargo Home Mortgage. 

XX/XX/XXXX, I noticed my monthly payments increased to ~ {$1900.00} charged XX/XX/XXXX. I initially assumed property taxes increased by ~ {$400.00}, knowing my district was due for reassessment. After research and talking with my condominium manager, I learned Wells Fargo 's charge was higher than the property tax increase by an exorbitant margin. 

I called Wells Fargo to inquire into the accounting charge, late one night in XX/XX/XXXX, and talked to a skilled customer service representative. She had all the tools at her disposal to check on my situation, she knew what to look for, and she explained ... 

" [ ... ] the error doubled the annual tax payment [ ... ] '' This error increased monthly payments ~+ {$400.00}, ~+26 % of agreed upon rate. I was told the problem would be fixed in 14 days ( a date before XX/XX/XXXX payment ). 

I called customer service after another overcharge was taken from my account on the date XX/XX/XXXX. A new account representative was assigned to my case. She was unskilled or missing necessary tools to solve my case. I was set to have resolution by the date XX/XX/XXXX addressed in a letter from one " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX letter boar no contact information. An inquiry looking into the agent 's credentials showed a current position at XXXX XXXX XXXX with ties to Wells Fargo which ended in XX/XX/XXXX. 

The following are timestamped letters adding more time for charges related to my problem 's " inquiry '' : XX/XX/XXXX moved resolution expectation to XX/XX/XXXX XX/XX/XXXX moved resolution expectation to XX/XX/XXXX Charges continue against my account, seizing money supply from my checking account needed for food and utility bills. 

Nothing has been resolved. I am being overcharged. Executive Care and Recover-er XXXX XXXX does not answer my calls, check-in, or share any client information whatsoever.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXX XXXX  XXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

HI in XXXX I got a email about a part time job offer. I have been looking for a part time job that I can work from home for a while. So I got this email and I applied for the position. It stated that the job was part time, I will work from hoe and it will pay {$400.00} a week. I will be helping kids in need that our in shelters. So a week later I got an email back saying I got the job and my first assignment was to deposit a check and buy some give cards and send it to them. The check was for {$2900.00} I was to take out my {$400.00} and buy 5 gift cards with {$500.00} on each of them so that's {$2500.00} dollars for all 5 cards. I did this four time. everything was going fine till I checked my account and notice all my money was gone out my account. Then I saw that all four checks was returned I was confused on why I didn't understand what was going on. I called the bank which is U.S Bank fraud department and that's when they said the checks was bad and the company was not real. They said that I was scamed and its nothing I can do about it. the lady said she was going to send paperwork out for me to try and get my money back. But XXXX days later I did received some of my money back but the lady at the bank said its on hold until the investigation was over. she said if my case is denied they will take the money back. I did return all the paper work they asked me to fill out. I found out yesterday which was Saturday XXXX that my case was denied. I had called the bank back because I haven't herd from them over two weeks that's when she told me my case was denied. So they are reversing the money they gave back which was only half of it. All together they took {$11000.00} dollars that ; s how much all four checks was worth. I'm fighting to get all my money back. I'm the victim they are making it like its my fault. I don't understand how come they didn't catch this with the first two checks. they are the bank and if they ran the checks through the system how come they didn't catch this. That's all the money that I have. I'm a single mother with XXXX kids. I have been saving that money for a while and need it back to pay my bills. I pray you can help me it seems like I cant find the help I need.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened up an account on XX/XX/XXXX. My report should reflect that I paid my account on time for 18 consecutive months. This account should reflect closed XX/XX/XXXX. I reached out to the company to resolve the problem with no success.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

I feel like I was racially discriminated against because of my credit score. I had a {$1000.00} store credit limit with Sears that was decreased to {$750.00} last year but today, XX/XX/XXXX, I received an alert to my email that said my limit was dropped again to {$250.00}. I paid my credit card limit off into the 30 % utilization rate on XX/XX/XXXX. I paid {$450.00} leaving it at a remain balance of {$58.00} shown on my statement. I paid my bill under this balance to be under the 30 % utilize because I am working on my credit. I called Sear today, XX/XX/XXXX paying the remain balance of {$58.00} leaving the balance at {$0.00}. Also, I have a Sears Mastercard that had a limit of {$500.00}. I had a balance of {$470.00} that I paid off XX/XX/XXXX. After i paid this balance off, Sears reported to my credit paid off but also lowered my limit on this card as well to {$250.00}. On XX/XX/XXXX i checked my credit Sears reported my balance of {$470.00} paid off but them lowering my limit too {$250.00} on this card as well didnt approve my credit score as it should. They said based on my credit shown on XXXX they lowered my limit and would send something in the mail. But I applied for 3 new lines of credit too help build my credit when I paid there debt off and now my credit score dropped because of there limit decrease.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited a check from a customer around XX/XX/2016, the check cleared 5 days later, & then I couldn't access my account on the mobile app. I contacted Capital One 360 & they said they were closing my account since it was new due to fraudulent activity. Fast forward 1 year, the money from the cleared check is still in my account, it is not closed, it's gaining interest monthly, but I have limited access to most services on the account. So I call & speak to their fraud department supervisor who notifies me that they can't prove the check is fraudulent but they can't release the funds to me for no reason given. When I asked to speak to a manager, she said she was it & there was nothing further to speak of & then hung up on me after a brief & rude end to my inquiry. Fast forward 1 more year & I am still receiving monthly statements in the mail with interest accumulating & can not use my money from a check that they cleared.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

I have an identity theft monitoring app due to am XXXX breach. My identity was stolen in 2012 and I spent multiple years working to repair my credit as a result. I received an alert in the app that a bank account t was opened with my ssn at Wells Fargo where I have never banked. I called right away. I told them I have a fraud alert on my credit report, how was this opened? One agent told me to take that up with the credit reporting agency. What?! They gave me an investigation number of XXXX and assured me I would hear back with resolution. That was almost 30 days ago. Im not calling over and over through their hard to navigate system because they overlooked a clear fraud alert. I want that account closed, a written response from Wells Fargo regarding what occurred and to ensure they follow the rules when there is a fraud alert on credit reports. It was too easy for someone to open an account in my name and Im sure this has happened to many other people.
Consumer complaint received 2022-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

MY ADDITIONAL PRINICPAL PAYMENT REVERSED AND APPLIED TOWARDS INTEREST??? 

I ALREADY HAVE AUTO PAY ON AND THE MONTHLY PAYMENT DUE FOR XXXX WAS ALREADY MADE ON THE XXXX OF XXXX OF THE XXXX CALENDAR. 

I WILL SUE YOU IF YOU DONT APPLY THE ENTIRETY OF MY ADDITIONAL PRINCIPAL PAYMENT TOWARDS THE PRINCIPAL OF MY LOAN AND IF THIS HAPPENS AGAIN. 

THERE IS NO PENALTY FOR ADDITIONAL PRINCIPAL PAYMENTS AS WRITTEN IN MY ORIGINAL LOAN. 

THIS IS MY ONE AND ONLY NOTICE BEFORE LEGAL ACTION. YOU HAVE ONE BUSINESS DAY TO RESOLVE THIS MATTER. 

OTHERWISE I WILL CHARGE YOU AT AN INTEREST RATE OF 125 % PER DAY ON THE MONEY NOT APPLIED TO MY PRINCIPAL IF IT IS NOT RESOLVED. 

I AM ABSOLUTELY ON MY LAST NERVE HERE. RIDICULOUS.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was in the hospital with XXXX for nearly 4 months they didnt know if I was going to make it or not. I have a Kohls charge card that I just got before I went into the hospital. I couldnt pay my bill while in the hospital so I had my mom call them and tell them that I was in the hospital and I was unable to pay until I got out. When I got out I went to pay my Kohls bill so that I could use it again and my credit limit was XXXX my balance was XXXX and they wanted {$450.00} to open my card up again I got it down to {$160.00} to pay them to get it caught up and ask them if my card would be in good standings and if I could start using it again and I was told yes because they put me on a Covid plan I then tried to use my card and it was declined I called back and talk to a supervisor and they told me they closed my account after I made {$160.00} payment I asked if they would re-open my account since I had become current and I was on a Covid plan and I was in the hospital prior to that and they refused I would like my account re-opened because it is current and compensation yes I would like compensation somehow
Consumer complaint received 2019-06-12
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. (TX)

I have requested to credit agencies several times that my name reporting is wrong. I have called, fax documents and nothing has been done. I have only had 2 legal names in my life one is XXXX XXXX XXXX and my married name is XXXX XXXX, I have never used any other names, like you guys report in my credit, I need for equifax to comply with my request and please, move forward with my request.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (TX)

I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account