davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have previously submitted disputes to all three credit bureaus in regards to inaccurate account information. The main issue is that the scores provided by XXXX XXXX from the credit bureaus do not match the scores that are provided to the lender. Examples : 1. Two years ago, I traded in my vehicle. XXXX XXXX listed my scores in the range of XXXX to XXXX. The lender 's letter stated my score was under XXXX. Of course higher interest rate. 2. I applied for a mortgage a few months ago. XXXX XXXX reports my score as XXXX. The lender states that my score needs to be at least XXXX to qualify for a mortgage. The lender declines my application because of score ; under XXXX. 3. My current scores per XXXX XXXX are XXXX and XXXX. Approved for credit with 30 % APR with score of XXXX per lender 's letter. I do not understand how this is right.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I recently made a checking account for Bank of America, around XX/XX/XXXX of this year. It was approved and my account is made and a debit card was mailed to me. I deposited {$100.00} into my account on XX/XX/XXXX and my balance was {$70.00} after doing some purchases. All is well and good and then today, XX/XX/XXXX, I tried logging in my account and it won't let me. They didn't have a record of me having an account. I called the bank and they remained tight-lipped throughout. They told me the executives unanimously made a decision not to do business with me and my account was closed today, the XX/XX/XXXX, remaining balance will be mailed to me, all that. I have no idea why the bank just decided to close my account without telling and not telling me why. It was just a recent account too and now it's closed. It's a bit unfair that they just decided to close the account and not tell me the exact reason.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account XXXX 's XXXX, XXXX have violated my Consumer 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 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I keep having problems with how Navient is handling my payments. I have complained several times and talked to people from various departments and it's still not resolved. I keep paying the bill based on the set amount determined by my income based agreement. Then I get multiple notices stating that they didn't receive payment or its late and they charge me late fees. I paid all payments before the date they told me I would acrue late fees. I recently received a letter dated XX/XX/2021 stating I didn't pay the XX/XX/XXXX bill. I did pay that bill. They took my payment and applied it to the XX/XX/XXXX bill so that they could charge me late fees. I paid the XXXX and XXXX bills already and XXXX knows where that money went. Maybe they used those payments to pay XX/XX/XXXX since they're just snatching my payments and using them however they like. This is the last time. I want this resolved or I'm writing a letter to the Attorney General. I'll also get a lawyer and contact the press and any advocacy group I can find. This has been so stressful for me and I can't take it anymore.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

My girlfriends mom gave me a Netspend Debit Visa in XXXX XXXX with XXXX dollats in funds. The label on the card stated that TO ACTIVATE : download the Netspend Mobile App or go to netspend.com/activate or dial XXXX. I attempted activating the car online in XX/XX/XXXX. I received a message stating that I needed to call customer service. I asked my girlfriend to call the number provided on the card to activate it. The phone number on the card showed as XXXX. When my girlfriend called XXXX on XX/XX/XXXX, the customer representative asked for the last four digits on the card. After receiving the last four numbers, XXXX, the representative told her that the balance on the card had expired. The representative stated the card had a balance of {$0.00} dollars. My girlfriend replied how has the card expired if the card states good through XX/XX/XXXX. The representative stated that the date XX/XX/XXXX is the date that applies to the store being able to sell the Netspend Debit Visa at the store. The representative stated that the funds had already expires. I submitted a customer compliant via email on XX/XX/XXXX to XXXX. I have reviewed their terms and conditions available online. 
A XXXX XXXX expires one hundred and twenty ( 120 ) days from the date you successfully activate it. Until its expiration, funds may be added to the Temporary Card using only the in-store cash value load methods described in the paragraph labeled. 
Source : https : //www.netspend.com/account/terms/BOI_MC_Quick_Access % XXXX I have concerns about how Netspend defines activation on the product label. Based on the product label, a reasonable person would come to the conclusion that the card is not activated since he/she has not called the phone number, accessed the website or downloaded the app on the label. I believe that by having on their website, but not the product label that the expiration is 120 days, they are enriching themselves using other individuals funds.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/2021 I received a text from what I thought was an automated fraud alert ( XXXX ) XXXX in regards to someone attempting to hack my bank account. While reading the message. I received a phone call from Wells Fargo fraud dept XXXX. The guy on the phone was " alerting me '' that someone was trying to use my card at a XXXX in Texas. He then proceeded to say that I would need to reverse the funds as he began walking me through the process. He informed me that there were unusual transactions based in Texas. I did not approve neither one of them. He then asked about the XXXX  transaction and informed me that the scammers were trying to drain my account using XXXX. He said that in order to reverse the transaction. I needed to send the money to myself, so that it would not be approved. It was an odd request/protocol, but he reminded me that he was calling from Wells Fargo and he gave me his badge number ( XXXX ) told me that the number should match the back of my debit card. And to my surprise, it did and so I believed him. 

I then added myself as a XXXX recipient with MY NUMBER and MY NAME and transferred {$1000.00} from my Checking account to MY SELF! Immediately after doing so, I heard a cell phone notification in the background. That's when I hung the phone up. I immediately called Wells Fargo fraud number ( XXXX ) AGAIN. The lady that answered was soo rude and made matters worse for me. I attempted to call them again, hoping to get someone else on the phone. 

Everything happened so quick. I'm not sure if its an inside job or not. But the scammer was REALLY GOOD AND BELIEVABLE! 

- I have copies of the phone number that called me -I have the phone number that text me ( fraud alert ) -I have the copy of the XXXX transaction to MYSELF -I have an email of the account/banking institution that the funds went to and the name on the account
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (NC)

On XX/XX/2023 Mortgage loan with Flagstar Bank was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.
Consumer complaint received 2019-09-28
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. (MA)

Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact Experian and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet Experian will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!
Consumer complaint received 2020-01-23
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. (CA)

Equifax is not returning my credit score to the original score of XXXX from XXXX they bumped it to XXXX big deal. This incident was all created by XXXX  XXXX credit card XXXX. I had an agreement with XXXX  XXXX that there would never be any service charge of any kind for this card. Then they created a charge without my knowledge wich I was only brought aware of after the credit agency contaced me and said theres a late charge on your credit. I called XXXX  XXXX several times and they admitted fault and agreed to cancel the account. Then I rechecked the account and it once again says I owe like XXXX. this company is forcing me to pay for something I canceled several times while in the process has damaged my credit score. I am sick and tired of dealing with these fraudulent people Thank You XXXX XXXX
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I had a balance of {$97.00} in my venmo account. They offered the option to transfer it to my bank account via my debit card #. I selected this option and initiated the transfer on XX/XX/XXXX. Today, XX/XX/XXXX, the funds are still not in my bank account and venmo is stating that it shows the deposit cleared on their end but is refusing to provide any documentation to prove this transfer occurred and was accepted.
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. (PA)

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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Consumer complaint received 2021-08-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

This is regarding Portfolio Recovery Associates. 

In XX/XX/2020, I noticed a new item reported on my personal credit report from Portfolio Recovery Associates ( PRA ) for a debt that I do not owe and that does not belong to me.

I sent multiple certified letters to PRA asking for verification of this so-called debt, and if they could not provide it to both stop contacting me in an attempt to collect it AND to properly update my credit report by removing the false debt.

Thus far, PRA has not responded to any of my written requests, and yet they use a robocaller to my cell phone 3-4 times a day attempting to collect this false debt. Thus far, they have been unable to provide a single piece of information, data, or evidence of any kind that this so-called debt belongs to me and it's validity.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed that there was an account that it is not mine and I would like for it to be removed immediately. I sent certified mail below will be the slips. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$5200.00}
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be l have not been able to get help from them for months but I just remembered I could file a report on here as 1 tool they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

I have contacted this company several times and told them that this debt is not of my knowing. Also, I have sent them a letter and told them that the debt is not mine. If this problem can't be resolved, I will be forced to use legal action. Please remove this account from my credit report as soon as possible.
Consumer complaint received 2019-09-26
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. (MN)

Equifax ; XXXX  and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2020-11-24
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. (CA)

The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Store card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.
Consumer complaint received 2024-05-23
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: CITIBANK, N.A. (NY)

I went to check my credit report and it stated I have some unauthorized and unverified inquiries on my report that I didnt make myself. They were from 2 credit bureaus ; XXXX XXXX XXXX. XXXX was a Citi Bank inquiry from XX/XX/XXXX & the XXXX was another inquiry made via XXXX XXXX on XX/XX/XXXX both of which I dont have any open accounts with. Ive called each of the banks to get this problem solved and nobody was able to assist any of the several times I called. Either I was talking to a computer, a person with a strong dialect that I couldnt understand, or just people redirecting me to more people who couldnt help me after being on hold for hours at a time.
Consumer complaint received 2022-04-29
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. (MA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX it is still reporting on Experian. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.