davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (GA)

On XX/XX/21, I requested my credit report and complete credit file from EXPERIAN. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. Experian has refused to send me upon request my complete credit file.
Consumer complaint received 2020-05-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX {$7500.00} XXXX XXXX {$6300.00} US DEP ED XXXX {$1300.00} XXXX XXXX  XXXX {$110.00} XXXX/XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, Navient applied a forbearance to all 6 of my private student loans without my approval or knowledge. These forbearances ended on or about XX/XX/XXXX. On XX/XX/XXXX,  they applied another forbearance to 3 of my 6 private student loans, again without my approval or knowledge. These were applied purportedly due to " natural disasters '' in my area, yet I have not been impacted by any natural disasters at all. 

My private student loans with Navient have been a burden due to the amount of interest that has accrued, which has prevented me from being able repay them according to the payment plan I was given. 

I do not give Navient consent to apply forbearances to my loans without my approval. Forbearances only prolong and exaggerate the difficulties I already have in repaying Navient.
Consumer complaint received 2017-12-27
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: ERC (NC)

Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.
Consumer complaint received 2023-03-10
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: General Motors Financial Company, 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 XXXXXXXX XXXX Acct # XXXXXXXX GM Financial Acct  XXXX XXXX 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 states, a consumer reporting agency can not furnish an account without my written instructions.

15 U S C 1681 c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information with any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U S C 1681 s-2 section states, 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 2021-09-22
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. (PA)

i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo Bank in appropriately cashed a check that was either intercepted or lost in the mail. The Payee clearly did not match the party that cashed the check. The check was made by a financial institution ( XXXX ) made payable to another financial institution ( XXXX ) yet somehow ended up being cashed by Wells Fargo. 

An attempt was made to contact Wells Fargo about the issue, was informed that because I did not have an account, there was no way they could open an investigation for their participation in the interception of my money.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 my wife tried to deposit it check in both of our names in to my account and she was denied services because her name name was not on my account, but she was allowed to deposit the check into her account. This did not make sense to me. I do not know if my wife lied about the transaction or the bank helped a woman over a man. The bank did not give me a acceptable answer.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FAIR COLLECTIONS AND OUTSOURCE is in violation of the FDCPA and FCRA after multiple attempts for them not removing the false account. I will seek litigation if this false account is not removed. See attached PDF.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Consumer Financial Protection Bureau, TransUnion stated in their response to my complaint : CFPB file # XXXX, That XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is the creditor and also the data furnisher is right about the status of the inaccurate account on my credit report. 
Please be advised that this is the type of stall tactics that Transunion has been using against me for more than a year instead of deleting this inaccurately reported account from my credit report. 
I did not dispute the status of the account rather i am disputing the following incorrect information : * The date of last payment reported by TransUnion is XXXX. This information is incorrect as i have attached a statement from ( XXXX ) showing the date of last payment for review. 
* TransUnion reports the account as been 60 days late in XX/XX/2018 again this reporting is erroneous since i made a payment in XX/XX/2018. You can also verify this information in the attachment.
Consumer complaint received 2021-09-22
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. (GA)

Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020, I contacted capital one concerning my late payments due to the pandemic. I was told that there is nothing they can do about it and they can't take it off my credit. I can't get a mortgage loan due to these late payments. The company could not help me with this unfair situation. Right now I'm up-to-date with my payments and they can't still do nothing about it.
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I've been contacting my lender ( Citizens ) since XX/XX//22 regarding a delinquent property tax notice I received in the mail. I have an escrow account with my lender for property taxes and insurance. I have called in many times and also sent multiple fax requests. Every time I call in, I get the same generic response that the issue is being escalated or the issue is with the research team. As of today, XX/XX//22, my second installment property tax is still due.
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (GA)

This is in direct violation of the predatory multi state Landing class Action Settlement with Santander consumer USA I was denied any type of Extension or relief XXXX XXXX is the number one on the auto loan co sign is XXXX XXXX Santander consumer is trying to remove XXXX XXXX an is not in any bankruptcy! 

Due to the ( multi state class action settlement ) with Santander consumer USA. XXXX XXXX Should be relieved of his day and paid in full for any money spent is a reimbursement
Consumer complaint received 2018-07-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I had an investment in an IRA fund that went out of business. The company sent me a check. I opened an account with Citizens Bank {$34000.00}. The rate was to low so I decided to move that money to another IRA account with better rates. Citizens Bank DID not advise me that funds could not be moved twice in a year with out a government penalty. I was issued a XXXX. I called Citizens to try to resolve the problem.. Citizens bank claimed I told the bank manager I was using the fund for home improvements. Just a made up lie. I put the money in another IRA account.
Consumer complaint received 2020-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (OH)

CONVERGENT OUTSOURCING ( a collection agency ) has placed derogatory information on my credit report. The alleged debt is for : {$1300.00} and the original creditor is : XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. In addition to that pursuant to the FCRA, FCBA and the FDCPA I never received any written notice at any time to notify me of their attempts to collect on this alleged debt. 

Pursuant to the federal law my rights were violated as a consumer and the have violated a federal law. Especially for placing invalid derogatory information on my credit reports and they should not be allowed to get away with this unfair practice
Consumer complaint received 2020-11-15
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. (DE)

Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

hello. i am not writing this against bank of america. but the dispute that is open they must know I NEVER RECEIVED PRODUCT IT MAY HAVE BEEN STOLEN AND RELATIVE TO CARD ENDING XXXX i told this to XXXX. never received the product not paying it never got it. so the letter i received said wait to hear from us
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I mistakenly deposited a large check into my Citi credit card account instead of into my Citi checking account. ( By the way - I owe nothing to my credit card. ) This happened nearly 3 weeks ago on XX/XX/XXXX. I called CitiBank on XX/XX/XXXX and told them that I had mistakenly deposited the amount into the wrong Citi Account. I was assured that the check would be deposited into my checking account immediately. After a week, the error had not been corrected. I call back and was unable to find anyone who could explain to me why the check has not been deposited correctly. It has now been nearly 3 weeks and the bank refuses to return my money. 

This is an accounting error and Citi bank is holding a large sum of money hostage without explaining why or explaining when the money will be returned.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo business account got scammed for a large amount of money XXXX XXXX XXXX XXXX XXXX through XXXX  i dont watch this account that often because i have like 4 other businesses I would think my money would be safe in this business account but I reached out to the number on my bank statement that the charges were under and they didn't give me any information I called the bank telling them these charges were fraudulent I need a full refund the bank is doing there investigation but from my research Wells Fargo is good for denning claims and not protecting their customers knowing their customer is in the right hopefully the bank keeps their word and protects me and gets my money back.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has been furnishing late payments onto my account despite me trying to resolve this issue with them multiple times. Capital One has no right to report neagtive information into my account without first following all the guidelines set forth by the the FDCPA, and FCRA. Regardless of my request for notices of negative information and all documents applicable to me in the event of fraud, capital one has not responded to me at all. 

Any attempt to speak to a representative to resolve this issue is waved off because " Nobody at Capital One has authority to help me ''.
Consumer complaint received 2020-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (GA)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX XXXX, and noticed there is an inaccurate account and/or item on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. 


Radius Global Solution collection account is fraudulent Original Creditor is XXXX  XXXX XXXX and the account was paid in full on XX/XX/2020. Please find the attached receipt from XXXX XXXX XXXX
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Accurate Background (MI)

I am applying for employment at a major company in XXXX Michigan XXXX and as a require of pre-employment screen Accurate Background XXXX spoke to the employer before completing their report. After sending employment history, company sent a preliminary copy of report, and informed me of 5 days to dispute any errors ( XXXX/XXXX/2015 ). I responding on XXXX 2015 to Accurate Background company and now I have a second disputed claim for the same error in report with no results given for the previous disputed claim ( XXXX/XXXX/2015 ). I have informed this company of their investigative tactics using unofficial documents from local courthouse records and not recognizing the background records of XXXX Police records dept. I have provide all necessary document to correct this matter, but to no avail this company is focused on damaging my reputation with this erroneous given to a potential employer. I am asking that your agency protect my right to a fair investigation using reliable, and legitimate records of criminal history by state or federal agency.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One prepaid card for XXXX. Turned around and added XXXX on to my card out of no where or even know how. I paid a company last year in XXXX to fix my credit. They disputed it with them and it got denied. Not knowing why or how come. Then disputed it this year and a debt collector called in XXXX of this year XXXX that took over that debt. I explained to them I am not paying that when I have no idea how it just got added for a prepaid card of the limit of XXXX to XXXX. They agreed it made no sense at all. So they were reaching out to Capital One and they just keep disputing it with no reasons. The charges are not mine nor do I know how they just added charges to a XXXX limit on a prepaid card that is now on my credit report.