davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Forever 21 credit card is a scam first they make it hard for you to log in into your account so it hard to see you payments, when calling about the issue for logging in they couldnt reset my password, so that created late payments. I explained this to them repeatedly I can not get into my account, they did not work with me to fix this issue. That way when its time to pay you have a bigger bill and they dont send you statements, they send you a email saying log into your account to see the statement, how can I do that if I cant log in. For this reason I paid it off and closed it with impression Im finally done with this scam, no three months later I get XXXX bill in the mail, and no one in that facility can tell me why. They repeatedly hang up in my face, and dont send a email or dont get a call back. No trace there was a conversation, they are still on my credit report saying I owe them money and I have late payments and its inaccurate. This credit card is a scam and I dont recommend it to anyone.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Arcadia Holdings, LLC (CT)

This debt collector contacted me on XX/XX/XXXX via text which I didnt respond to. On XX/XX/2023 they sent the same text only this time I replied with STOP as the text message indicated in order to stop these text messages. Even though I told them to stop, I still got another text message today.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXDate of Inquiry XX/XX/2021
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/XXXX my sons savings account thru Wells Fargo Bank, and his Wells fargo visa credit card, were taken over by hackers, they withdrew {$2000.00} from his savings account and did cash advances on his WF visa credit card totalling around {$5000.00}. The hackers also opened a loan in the amount of {$14000.00} and then opened a checking account and deposited {$12000.00}. 
We have called the fraud department at Wells Fargo Bank, and reported these claims, they claim they have taken the steps to prevent this from happening again, but on XX/XX/XXXX after we spent almost 2 hours at the Wells Fargo Branch on XX/XX/XXXX to make sure that these claims were taken care of. Wells Fargo opened a new online banking account in my sons name so hackers could not get into the new account, but on XX/XX/XXXX the new account was hacked again, the deposited {$2000.00} from a XXXX XXXX card and withdrew {$1000.00}. 
This is the 3rd or 4th time we have been hacked thru Wells Fargo. These hacks were done all online including getting a loan. Can you say inside job? Wells Fargo customer service is a joke, do not trust them. Closing my accounts going to a smaller bank.
Consumer complaint received 2022-06-14
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: Convergent Resources, Inc. (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

Once again..another problem with AES. Last month their system said I didn't make a payment and that I did not have a Direct Debit set up. Now this month I get notification that my payment is now two days past due and that NO direct debit is set up. I called AES and got a very snippy representative that said I received a letter. Note that two months ago, I asked that I receive hard copy mail and not electronic ( another FAIL by the lender ) as I note that I do have a letter from them canceling my direct debit. HOWEVER, they blame this on my personal bank. I spoke with my bank about this and they said they did not advise AES that it was not able to process the direct debit. 
I want my loans sold IMMEDIATELY to another lender who is responsible. 
I am asking CFPB to please take care of this. I am sick of this XXXX.
Consumer complaint received 2022-06-13
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, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-21
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: CORELOGIC INC (MI)

XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

Inquires are fraud as well. Someone attempted to apply for things in my name while I was incarcerated. 

XXXX XXXX Mortgage XXXX XXXX XXXX Small Bus Admin XXXX XXXX XXXX
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 3. The following personal information is incorrect XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 4.15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
US DEPT ED Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting Account Number : XXXX 9. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Account Number : XXXX 10. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 11. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

DPT ED/XXXX Account Number : XXXX
Consumer complaint received 2022-06-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX ( I XX/XX/2020, XXXX & XXXX XXXX XXXX XX/XX/2020, XXXX - XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020.
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (MD)

We receive multiple calls each day for a debt that is not ours ; voice mail from XXXX XX/XX/2018 : Voicemail from ( XXXX ) XXXX " Hello this is XXXXXXXX XXXX XXXX we are debt collectors. Please call us at XXXX. Our office is open Monday through Thursday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time. Friday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXXXXXX XXXX to XXXXXXXX XXXX Central Standard Time. Thank you. ''
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (OK)

I have been paying my federal student loans to a company I thought was helping me with student loan forgiveness. I was told if I made these XXXX monthly payments until the amount was paid, then my debt would be forgiven. I thought this was the same company as XXXX XXXX XXXX company, but when I called to confirm they said they never received my payments. I have been paying to the equit. service company since XX/XX/15 so over 3 years now. I spoke with a rep from XXXX XXXX and that's when she mentioned I was being scammed and that I needed to file a complaint to the state attorney and the federal government. This whole time, I thought I was paying towards my student loans and I was not.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (IN)

Someone tried to open up a credit card in my name with truist bank. We called the bank to let them know. And they referred us to this form. 
The credit card application was denied, but we wanted to make them aware that we did not attempt to open.
Consumer complaint received 2019-03-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Debt Holdings, LLC (AZ)

Around XX/XX/XXXX received several phone calls stating a letter would be delivered at my home or employer and would have to have a witness to sign. When called on same day XXXX XXXX from national debt holdings XXXX stated that they would garnish my wages if I did not begin a payment plan that day. XXXX is a payday loan not legal in my state of Arizona. They took out XXXX in XXXX and XXXX every month after until XX/XX/XXXX. They are insisting I pay more now and are threatening criminal charges if I dont pay. I checked my credit report and this loan has never been on my credit history.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

An initial letter dated on XX/XX/20, along with my driver 's license was sent to dispute inaccurate information on my credit report. The company sent a response letter dated on XX/XX/20, deleted some inaccurate information but left some inaccurate information. I sent a follow up letter dated on XX/XX/20, requesting method of verification as per F.C.R.A. 611 ( a ) and F.C.R.A. 611 ( a ) 7. 

The company sent three ( 3 ) response letters dated on XX/XX/20, with additional inaccurate information on my report and they sent another person 's credit information. The company also included the other person 's credit information with my credit information. 

The other person 's name and information is XXXX XXXX and my name is XXXX XXXX XXXX.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (TX)

I have a bank account that is not located in my current state, my account had a charge that was over the amount I had in the account, so I instantly transferred funds from square cash. However PNC processed the negative charge prior to the credit, though transactions happened same day. I am not able to physically remedy the situation as there are no branches here, and attempted to fix the problem by transferring funds, but with PNC processing the debit first they applied 3 NSF fees causing me to yet go negative again.
Consumer complaint received 2022-11-30
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. (GA)

This is not my account spoke with XXXX @ Equifax to remove account from credit report as this is not my account Account Number XXXX XXXX XXXX Reported Balance {$67000.00}
Consumer complaint received 2019-03-25
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. (IL)

On XX/XX/2019 I noticed my credit score dropped. Then noticed it was because XXXX credit card had decreased my limit by 3,000 dollars. I have very good credit and have never had a decrease in 27 years of having credit cards so this made no sense to me. I called them. They said it was due to inactivity and the only way to try to fix it was to request an increase which would be a hard inquiry which would make my credit score go down even more. I dont think this is right. Its penalizing consumers with good credit and reducing their credit score. I think its bad business practice and that is why I am filing this complaint.
Consumer complaint received 2022-10-21
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. (DC)

XXXX wrongfully reported to all three credit bureaus that I had an overdue credit card balance of XXXX XXXX. This information was incorrect. I have reached out to XXXX on XXXX different occasions once in XX/XX/2022, and once again in XX/XX/2022. I was informed that the wrongful reporting will be removed from all three reporting agencies. Unfortunately, it was only removed from XXXX, XXXX. Currently my XXXX score is XXXX because it does not show the incorrect late credit card payment. XXXX XXXX and Experian shows my score in the low XXXX because the incorrect late credit card payment is still showing on the reports. Ive reached out to Experian and XXXX XXXX for assistance in this matter and I have yet to hear back from them. XXXX has not been much of a help Either. any assistance in this matter will be greatly appreciated.
Consumer complaint received 2018-10-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: iQuantified Management Services, LLC (ID)

Many issues have occurred with this vendor, first they called both my husband and I at XXXX local time today XX/XX/XXXX, secondly we had not received any notification in writing before these calls started ( she admitted the first date they sent an invoice was XX/XX/XXXX which is a Sunday ) and as of yet, I have not received it. Her words were also trying to deceive making it sound as though the debt was already in hard collections, and as if I did not have my 30 days to rectify before hitting my credit report, after pressing the issue ( since I work in XXXX XXXX XXXX  ) she backed off a bit with the truth. Ultimately very dishonest business practices.
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (KS)

How do they come up with these figures. They advertise No Lender Fees and a {$1000.00} Off Closings Costs. How does that come up to {$4500.00} to {$6500.00}??? I would imagine the typical lenders fees would be {$1000.00} with an additional {$1000.00} credit that's more like {$2000.00} where are they coming up with {$4500.00} to {$6500.00}?? I don't understand the math.
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (NC)

I have sent letter after letters since XX/XX/2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to experian, XXXX  and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

In XX/XX/2013 I did open a car loan with GM Financial. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.
Consumer complaint received 2022-07-21
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. (MI)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 : 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.