davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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: CAINE & WEINER COMPANY, INC. (GA)

I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.
Consumer complaint received 2022-08-30
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: WELLS FARGO & COMPANY (NY)

In 2020 Wells Fargo had to change our account number for fraudulent XXXX charges. It started all over again and for months I have called and sent 2 certified letters to have them stop these changes. I also sent a certified letter to XXXX no one will help me.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has placed a hold of greater than 9 days on a check deposited from another Bank of America customer. The account has been opened for more than 12 years and was for {$25000.00} related to a real estate sale. This is a blatant attempt to deny interest accrual and other benefits to the bank. The length of the hold is excessive and unnecessary. In Addition there has been an additional 8 day hold on a check a {$2800.00} from a very large institution account as well.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, XXXX XXXX XXXXXXXX XXXX refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE
Consumer complaint received 2022-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OR)

Following up from my previous complaint, I would like a detailed payment history and credit score history on all of my loans beginning at origination. XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX and XXXX was opened XX/XX/XXXX. I would like to see how the 2 loans that were opened before the 2 that are currently in default ( 1 was forgiven ) because if I was unable to pay on 2, I was clearly unable to pay on all of them. I would also like to see where my credit score was above XXXX on loan XXXX as that was opened just 3 months after XXXX which was forgiven as part of the settlement. The balance on loans XXXX and XXXX are now almost 3 times what the disbursement amount was, and I am currently on the rate reduction plan where I am making payments but my balance is steadily going up.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am an international student without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, XXXX  ) through which I gave them my address, name, date of birth and SSN. Then I contacted TransUnion, XXXX and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, XXXX  ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, XXXX  ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XX/XX/2022 ) from XXXX and TransUnion stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C. (CA)

I am writing regarding my Trident AM, LLC. account opened on XXXX. XXXX, 2020. Original creditor XXXX XXXX XXXX  XXXX. 

Trident has been double reporting the account, not only is the original creditor reporting the account as a charge-off but this collection company is also reporting it as a negative account. 

I am planning to file for arbitration to resolve this matter. I have health problems, XXXX, XXXX  and other XXXX XXXX, not getting a mortgage, paying higher rates on loans, not getting funds has caused me sleep deprivation and affects my psychological state and mental health. 

Im open to hearing about you and resolving this issue in a good way. If this matter continues to take much more of my time, let this be your 30-day notice that I am going to file Arbitration unless Trident AM , LLC , deletes the account from all 3 reports.

Im open to discussion, and I like to resolve this issue in a good way.
Consumer complaint received 2021-07-20
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)

Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. Im never requested credit or did an application for these companies.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Credit Card Balance {$9600.00} Last Reported XX/XX/2022 Closed on XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Contacted company several times. Still reporting negative information
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CURO Intermediate Holdings (TX)

Ive spoke with debt collector over the phone before, and every time I have been threatened to be taken to court as Ive tried to resolve this. Ive also been accused of never intending to pay the money back. Because of the threats and accusations from the debt collector I have not wanted to resolve this with them.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

On experian it show XXXX XXXX XXXX  loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on experian and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. Experian has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC (NC)

Dear CFPB, I was recently denied the ability to open a bank savings account. Early Warning advised me on XX/XX/XXXX ( copy attached to complaint ) that " the status of the relationship with the inquiring bank '' was the negative factor affecting something they described as my " Deposit Account Score ''. It has come to my attention that reports indicate that in XXXX Early Warning agreed to pay nearly XXXX XXXX dollars for violating the Fair Credit Reporting Act in how they respond to consumer file requests. I write CFPB to complain that Early Warning fails to define what their terminology " the status of the relationship with the inquiring bank '' means in plain English, and also request to know if Early Warning has issued a fraud alert on me. It is my understanding that Early Warning improperly failed to inform consumers requesting their Early Warning Deposit Account Score that fraud alerts were on their accounts, leaving them in limbo trying to correct their financial reports.
Consumer complaint received 2022-08-30
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. (AL)

Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws, states reports containing information solely as to transactions or experiences are to be excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from me and my family. Thank you for your time!
Consumer complaint received 2020-02-21
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. (AR)

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries from my credit report.
Consumer complaint received 2022-04-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC (CO)

XXXX XXXX XXXX has called my Husband and my Son looking for me. When they called me I refused to " verify '' the last four of my social security number. They claim that I took out a payday loan in 2011 from a place called Check Smart Loans over the internet. I looked up their website and it's very suspicious to me. 
Their website address is XXXX The phone number they have listed on their site is XXXX and they called me from XXXX.
Consumer complaint received 2023-06-23
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-30
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. (NC)

Accordance with the Fair Credit Reporting Act XXXX Account : 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. 


XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX : XXXX
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Referencing case # : XXXX with respect to Equifax Credit Bureau which I had earlier complaint about my situation here and just on XXXX XXXX I got the attached letter that my request has been updated and completed i.e that my SSN is hereby reporting correctly on my Equifax credit file. 
Today, my financial institution re-pulled my credit report and still reporting the old EIN number and I called the bureau to have an update on the situation since they already sent me an update in a letter and I get to speak with an employee : XXXX XXXX with staff ID # : XXXX ( according to him ) who now informed me that the SSN submitted issued by the IRS is temporary therefore can't be update or I should go open a new bank account with the number and it will be reported to them, then only they can update my SSN even after making me send my documents several / multiple times even while speaking on the phone with him the employee sent me an email with the doc file to upload my documents again for validation which raised my hope again that it will be updated by the end of today. 
I attached the letter from Equifax for your review and now it seems they are not doing anything whereas other Credit Bureaus are reporting my correct SSN.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NV)

XX/XX/20 called Victoria secret to see why my account was closed. Balance was XXXX and I had paid last payment in XXXX! They closed my account for inactivity and some other reason! They stated even though I was in good standing when they closed it they could do nothing! I had a period of no job and moved across the country! They stated they do not determine this! They could do nothing! I feel as if they waited for my balance to zero out and closed it! My score has dropped due to no income! But it actually has risen this month so why would they close my account this month! I am so dumbfounded! I feel as if they are mistreating consumers! Comenity bank and Victoria secret have left me with a dropped score now due to them closing my account unjustly! They gave me no number to contact comenity told me to write a PO Box ! I have another account will they close this as well behind my back! I got account assure you aid in having anymore financial trouble! Im very hurt! How can we build credit if you close accounts behind our backs unjustly!
Consumer complaint received 2022-08-30
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: Southwest Credit Systems, L.P. (FL)

XXXX XXXX XXXX date:XXXX-fraud XXXX XXXX XXXX XXXXXXXX XXXX-fraud XXXX XXXX XXXX XX/XX/XXXX - {$720.00} never had a account with this lender XXXXXXXX XXXX  XX/XX/XXXX victim of fraud never open this account
Consumer complaint received 2022-04-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (NV)

Since XX/XX/2022 I have attempted to obtain a prequalification with Guild Mortgage in XXXX, Nevada through XXXX XXXX. I am looking to buy a property at Nevada XXXX in XXXX XXXX, NV. I have my own lenders, XXXX XXXX and XXXX XXXX  but the Builder at XXXX  XXXX requires I get pre-qualified with Guild Mortgage but can use my own lender. I talked to XXXX XXXX XXXX time only by phone. I provided the credit information needed and my COE from VA and income, etc and have repeatedly asked for a prequalification so that I can sign to hold the lot XXXX plan XXXX. She has not called back and will not say yes or no regarding the prequalification letter so I can hold the house I want. It will cost me the house. I have attempted to reach out to a branch manager at Guild Mortgage and no one will call me back. I feel discriminated against because of my XXXX service connected disabilty.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX, XXXX XXXX, XXXXXXXX XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO. (CA)

Registered for a credit card with a pre approved letter. The card was mailed to my old address and took time for it to be forwarded to my new address. I inquired about a balance transfer and over the phone they told me there is a 0 % fee. I just looked at my statement and there was a {$100.00} fee. When I called them they claimed that the first XXXX days there is a 0 % balance transfer fee and not for the first year as they informed me over the phone. I feel like I am being taken advantage of.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

Dates from XXXX to XXXX. Ach withdrawls were transfered out of my account into another account that wasn't mine. Total amounts they calculated was XXXX but I calculated XXXX $ that was missing according to my bank statements. on XX/XX/XXXX I noticed XXXX XXXX Bank was listed as one of my external accounts ( which it never, appeared before XXXX ). I contacted Navy Federal and ask about the XXXX XXXX accoun, t, the representative said that I opened it in XXXX of XXXX, I told him that i didn't open that account and ask him for more information he didn't have a phone number but he gave me an account number # XXXX. So I started by calling the XXXX XXXX branch in XXXX and told the person why I was calling, he said their accounts didn '' t start with the number 2 theirs started with 3 he told he was going to transfer to another branch which was in California I told the rep why I was calling she asked for SSN number and verified I didn't have an account with them. Navy Fed had me to fill out form 82 and send it to them with dates and amounts and I did. They replied back and said that there was error on account activity and that I was responsible for the full amt.I appealed it requesting their findings. they never replied but closed my case.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

On XX/XX/2022, I was messaging with someone on XXXX who I thought was going to help me with my XXXX, but he talked me into sending him {$60.00} through Zelle from my bank. This turned out to be a scammer who just wanted full access to my bank account because as we were messaging each other, this gentleman was quite persistent and impatient with me giving him my bank login information. He also seems to use other people 's phone numbers to receive money from Zelle or XXXX. 

I had called my bank the very next day and the customer service told me that he definitely tried to access my bank several times that day, but luckily my bank knows which devices I use and my location and they blocked him from having access. 

However, they were unable to reverse the {$60.00} because my bank mentioned the process was instant.