davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo negligently misplaced account records and then demanded we replace them. We did multiple times and each time they mishandled them again. The sixth tie we got confirmation in writing. Immediately thereafter the bank closed two accounts in violation of written and oral representations. It withdrew over {$100000.00} from the accounts and intentionally mailed the checks representing those funds to a known incorrect address. Wells Fargo will not reissue the checks and denies us access to the funds unless we agree to indemnify it against loss arising from its own misconduct. Wells Fargo Small Business Resolutions has advised it determined the branch was negligent. Branch located a XXXX XXXX XXXX, XXXX, CA. XXXX.
Consumer complaint received 2022-05-02
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. (FL)

In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX . Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have 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 2022-05-02
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. (MI)

Experian reported incorrect information for the credit reporting for the month of XXXX. Credit card limit of XXXX dollar limit was reported 3 times in one month causing my score dropped significantly. The XXXX dollar credit card was at q XXXX balance and reported on XXXX XXXX and was not reported. inaccurate information was reported on both credit cards after a dispute was submitted on XX/XX/2022.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX  request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.
Consumer complaint received 2020-12-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-03-30
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. (NY)

I asked for a copy of my credit report for tax purposes. The company immediately dropped my credit score by XXXX points. I called and was told that nobody except me made an inquiry. I was then told that they had no evidence of my inquiry. I then went to the website and was charged {$27.00} for services I had not requested. These actions are negatively effecting my financial transactions. I know that requesting a copy of a credit report is not supposed to reflect a credit score. It did. No one person I spoke with could respond to my question. What recourse do I have?
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (KS)

On XX/XX/XXXX I asked for a credit line increase. I had a credit limit of {$9600.00}. I was approved for only a {$1000.00} increase and they pulled a hard inquiry on my credit. I wanted a larger increase for a trip I would will taking in the XXXX. My credit score is XXXX and I have been a customer for over 10 years with no derogatory credit information. I called back to inquire if I could get a larger increase without another hard inquiry on my credit. TD Bank said they would try for a larger amount and let me know via letter. On XX/XX/XXXX I received a letter stating that I was not approved for the increase because I have sufficient credit with TD Bank. This letter does not indicate any negative information that would explain a denial. I think their Adverse Action letters have an issue along with their underwriting process. I tried to call TD Bank on XX/XX/XXXX for an explanation. The bank would not talk to me and told me to call back and they would put in a request and someone might call me back. I asked for a manager and had my friend who works at a bank on the line with me to help ask the appropriate questions regarding their letter that made no sense. The representative said I am not allowed to give permission to talk with my friend on the phone line and when we said we would file a CFPB complaint in order to get some help- the Representative hung up on us. I need to understand why there is nothing negative in the adverse action letter and an actual reason why I can not have a credit line increase with this bank.
Consumer complaint received 2023-04-06
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 (GA)

My Capital One Walmart Rewards card ending in XXXX had a {$0.00} balance in XX/XX/2022. Since then, charges and credits have appeared on the card that I have not authorized.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-05-02
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

This leasing company has been the most unprofessional business I have ever dealt with. While renting from this company I have experienced the following issues : rats and rodents infesting the home within the walls and under the property, damaging some of our items that they never reimbursed us for ; breaking the lease they wrote by being non compliant with every repair. Upon move in the management company advised us that the roof had damage ( a huge hole ) which was not repaired for the first two months of the lease. Not to mention they had terrible plumbing issues that we had to beg them to come fix. I have had companies come over to fix electrical issues as well. They stated they would never do business with this company again. The company which is ran by XXXX and his wife ( unknown name ) is very unprofessional with their communication the wife caused open confrontations with us the tenants several times over the course of our lease to the point where we advised them that she was not to come to the property. They have also made up charges such as 500 % holdover fee. Which is not stated anywhere in our lease. They have turned this made up charge to a credit company to in return damage our good history, not to mention they took out deposit and also made up claims that just were not true. The last complaint is indeed true and I have a very similar experience. Also I have never heard from the collection company in regards to this debt. They tried to tarnish my good name and never sent me proof of anything.
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NM)

On XX/XX/XXXX I received a call from a debt collector looking for someone else, I told them that they have the wrong phone number, they then kept asking questions and I repeated myself that they had the wrong number and to please remove my number from their call list. On XX/XX/XXXX at XXXX I received a call from the company again, again they were asking for someone not associated with my phone number, I told them that I had told them yesterday to not call this number. The person again started asking questions and I told them they had the wrong number, I told them again to take my phone number off their call list and to not call. The person then said I will keep calling and hung up on me. I called the number back and asked to speak with a supervisor, they stated that because it was Saturday that no supervisor was available. I told them I wanted to be removed from their call list and that the previous person I spoke with was very hostile and repeatedly told them to remove my number and they refused and stated that they would continue to call me.
Consumer complaint received 2023-01-16
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2022-05-02
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section 611 of  the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.
Consumer complaint received 2019-08-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SOUTHERN CASCADES FINANCE CORPORATION (WA)

The company refused to provide me with statements over a long period of time. I was not aware of the finance fees or status of the account. This deceptive practice made I t made it very difficult to make payments causing a monetary injury. I filed multiple complaints and never received a follow up from the company. I assumed I had no rights due to there constant refusals. The car should be nearly paid off but the balance has gone nowhere because of those fees during that time frame in which I was denied.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my XXXX, XXXX, and Equifax credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with Spectrum was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my XXXX, XXXX, and Equifax credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.
Consumer complaint received 2022-01-19
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: LendingPoint Holdings LLC (CA)

I sent letter to XXXXLENDING /Lending Point dated XX/XX/2022. The letter contained a NOTICE AND DEMAND FOR SETTLEMENT OF INQUIRY ON CONSUMER REPORT notarized and sent certified mail. Pursuant 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX ) I have not initiated any transaction with XXXX/LENDINGPOINT. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) XXXX/LENDINGPOINT for review or Collection.

pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15U.S.C. 1681n ]. 
I disputed inaccuracies on my consumer file with all 3 major consumer reporting agencies on XX/XX/2022 with no response to my complaints or demands.
Consumer complaint received 2022-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (NH)

I purchased a car from Hyundai and got the loan through Hyundai Finance. Within a month of the purchase I received a lower interest rate from my bank and refinanced the loan. My bank paid the balance on XX/XX/XXXX and Hyundai Finance took an auto payment out of my bank account for {$500.00} on XX/XX/XXXX. I called to let them know that a refund of this payment was owed. They then sent me a check for {$66.00} which bounced at my bank and I was then charged another {$30.00} from my bank. Hyundai Finance has held onto my payment calling it " interest '' The loan was for {$24000.00}, taken out on XX/XX/XXXX at a rate of 2.5 % interest. The length of time this {$24000.00} was borrowed was from XX/XX/XXXX to XX/XX/XXXX, or a total of 39 days. The interest owed after 39 days should only have been XXXX. The total payments made were {$24000.00} from my bank as the payoff and {$500.00} that they took as an auto payment. The total amount owed should have been {$24000.00} and they should be giving me back {$500.00} for the over payment and now another {$30.00} for their bounced refund check for a total of {$530.00}. I first contacted the XXXX  and the response from Hyundai is that they will look into it. They have had my money for over a month now with no refund issued.
Consumer complaint received 2022-01-19
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-19
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I contacted a collection company that is the only negative thing on my credit report. I asked them to give me a better rate and i would like to pay it right away. I spoke to a supervisor named XXXX. I asked him to please provide me a debt letter as well as a letter in regards to our agreement which will state that I am paying them a lump sum of {$3500.00} and they will delete this off my credit report. He told me that by law he does not need to provide anything in writing and they will delete this off my credit report after i pay. I asked him politely to provide me a guarantee that this will be deleted and he refused. I contacted XXXX  and asked them if debt collectors can provide letters stating that after balance is paid they willl delete it from your credit report and experian said yes they must provide you a letter. Please help me resolve this issue. This is the only one account that is ruining my credit. My father had a XXXX XXXX in XXXX and was left a complete vegetable for almost 9 years. in XXXX he passed away and i had a hard time with finances. I am a single mom of XXXX with a good career and trying very hard to improve my credit, so i can be able to purchase a home. I can not afford to hire an attorney. XXXX  recommended i file a formal complaint with your agency