davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

On or about XX/XX/XXXX, XXXX submitted an inquiry to all 3 credit bureaus Experian, XXXX, and XXXX. The inquiry dropped consumer 's score 38 points, affecting consumer 's credit worthiness and accuracy. The inquiry is an error and inaccurate. During the time between XX/XX/XXXX and XX/XX/XXXX there was an application submitted to XXXX for updating the account to postpone payments putting the account in deferral status. The deferment began from XX/XX/XXXX to XX/XX/XXXX. This deferment also applies to any delinquency on the account and has been addressed with a separate forbearance. FCRA is a federal law enacted in XXXX to promote the accuracy, fairness, relevancy, and privacy of consumer information in the file of credit reporting agencies. As with any regulation it is important to ensure compliance with the law and regulations to avoid violations and liability. Consumer was not made aware in writing of any late fees or late payments. Nor was it made clear and conspicuous that there would be an inquiry made to consumer 's report that XXXX would flag accounts as 90 days past due. This is false misleading and deceptive practices. Consumer has never given any written or expressed consent EXPERIAN, XXXX, or XXXX of written instruction to furnish any information on my consumer reports which is a violation of 15 USC 1681b and 15 USC 1681 ( a ) ( 2 ) " Permissible purposes of consumer reports. The following accounts were never past due or late and should be listed in good standing as previous to consumer 's score dropping 38 points. Experian reports 2 accounts with XXXX as having 1 late payment, but then says its 90 days past due. These inquiries are completely inaccurate. XXXX made the late payment inquiry the same day they reapproved the deferment. The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. False representations or deceptive means. A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. 
It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. 
Also they will not work with me on my 8.8 % interest rate.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (GA)

Collectors from Comenity Bank in Denver and in Ohio have repeatedly called looking for somebody with the same last name. They have been told this is a wrong number, nobody by that name lives here and been asked not to call anymore. 
The calls persist, even on weekends.
Consumer complaint received 2015-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lustig, Glaser & Wilson, P.C. (MA)

They sent me a letter stating that beginning XXXX XXXX, 2015 their company will start taking {$75.00} on my account. The company kept sending me letters about the debt which I do n't recognized. I did request in writing to send me the validation of debt which they failed to send. Now, this is what they want to take money from my account without any judgement or proof of debt.
Consumer complaint received 2015-12-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc. (CA)

I was covered under medical at the ti.e of service but it went to colections before i recived any bills. They never want to accept any payments except to split in thirds and that is nust not happeneing and theu file with multiple creditors who duplicaye the account u fairly.imoacting the credit score
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

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 2017-01-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (TX)

Late XX/XX/XXXX I applied for an XXXX rewards XXXX with comenity bank. I have a fraud alert on my credit report so they performed the extra verification. I was then approved and mailed my new card. The very day I receive and activate my card, they close my account " due to security reasons '' but no one can tell me what the concerns are. I am very frustrated seeing as how the only way I knew or would have found out is by having my card declined in a store.
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX XXXX, 2015 I opened another Wells Fargo account to be able to cash a grant check to be issued later from XXXX University, as Wells Fargo issued my grant check before with XXXX University, I assume all higher education uses this bank. I opened my bank account with # XXXX, under the assumption that the fraud alert I placed with Wells Fargo was complete & I was issued my money back because Wells Fargo never paid XXXX which was on my credit report until I filed various complaint with FTC, CFPB & FCC. Today I received my debit card & could n't activate it. After calling to see why I was told I owe the bank. I just left the bank & was told by the teller my account is open, but when she tried activating my card she saw a stop on my account & that it was closed. XXXX XXXX States they never received payment & closed my contract which destroyed my credit & now Wells Fargo is issuing another report to credit bureaus about my account their own fraud department issued a credit & found fault on their end & now is claiming that the credit was denied after I was allowed to close my account. I was told at the bank to call another number to get things straightened out & when I called this XXXX number the woman stated same thing without correcting my account & she was in the claims department & wanted me to call another claims number to make Wells Fargo more pay per call & click/impression money! So this is why I am filing complaint again, which is to investigate Wells Fargo & XXXX XXXX banking tactics if you will? Because I just opened an account Monday with {$100.00} & have been lied to again & ripped off! 

Thank you! 

From : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, N.C. XXXX
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OK)

Initially, I had a {$10000.00} credit line, which Juniper/Barclays kept raising due to my excellent credit history. At the time, my credit score was much lower. In the past 18 months, my credit score has gone up to over XXXX, and was XXXX, and yet, Juniper ( barclay ) Credit card has lowered my credit limit from {$10000.00} to {$8400.00}, and now it stands at {$4400.00}. I mean, I have not been late and have an excellent payment history with them and all other creditors on file in with the credit bureau. 
First, they had mentioned something about me having outstanding loans. Well, I paid the personal loan off a little earlier and my car will be paid off in 15 months. Despite this, they see fit to keep reducing my credit line. 
Personally, I feel it is discrimination. I had talked with them about a year ago, or so when they reduced my credit line to {$8400.00} ( from {$10000.00} ). I spoke with a XXXX  lady on the phone who was very rude and mean at the time. 
Reducing someone 's credit line, which puts them close to their limit is derogatory and goes against my credit score. So far they have reduced it by - {$5600.00}, I do not feel this is ethical, but discriminatory. Thanks for your time.
Consumer complaint received 2022-08-15
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: AMERICAN EXPRESS COMPANY (VA)

I received a call back in XXXX about being past due on a personal American Express credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with AE and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and XXXX XXXX. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states American Express won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
American Express continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated or deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2021-09-01
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. (CT)

XXXX XXXX  has no right to be in my credit report I do not now how they were allowed to access my report and put this claim in I never have a n account with these people please remove from my report they are not telling the truth I never had any contact with these people and was not notified of any of this. please remove the {$690.00} collection account that just showed up in my report
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America closed my checking account with no notice after 20 yrs as a valued customer. They are refusing to give me the money in my account they are telling me it could be weeks before I get a cashier 's ... my rent and Bill 's have to be paid and they are not cooperating I can't wait weeks I live on a mere {$790.00} a month. I wanted to go in and get my money and they wouldn't give it to me. Please help me or should I call an attorney I am very upset and stressed out it's making me physically ill
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J. Mark Heldenbrand PC (AZ)

In XXXX of 2016 I bought my first home and gave my 30 day notice to my landlord at the time. I had a friend help me move out but was not able to take a mattress and a nightstand with me so i figured i would just pay for them to remove the items. They removed the items but claimed the carpet was completely damaged and that they found bedbugs in the apartment so they sent me a final statement with a total of {$2300.00} stating they were not able to rent the apartment for two months. After trying to negotiate they said they were actually able to rent the apartment and removed a months rent so the total amount went down to {$1400.00} I still did not agree with this amount because the carpet was in good condition and i never saw any live bedbugs when i moved out. Now a year later they hired a lawyer and the total amount they are asking for is {$6700.00} including attorney fees. They claim they pay a company to do a treatment for the bedbugs but they paperwork does n't show this. Also they showed me an invoice for the carpet replacement but did n't show me proof of the " damage '' carpet.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I deposited {$1000.00} into my Bitcoin Vault on Coinbase on XX/XX/2021 at XXXX AM using my XXXX Bank Account. The status of the deposit was instantly marked completed on this deposit details, but I was required to wait 7 days for my money to be used, traded for other cryptocurrency or sold, which I wasn't happy about but accepted it. During that 7 days, obviously the price had fluctuated. Unfortunately for me, it fluctuated downwards and I lost just over {$100.00}. After the 7 days hold period, and the funds were marked as " available '', I tried moving my funds from my vault account into my regular Bitcoin wallet. At this point, you are not able to use the app to move the funds and you have to do it from their website. I go to their website only to be met by, yet again, another verification hold time limit. To move funds from the vault it states you must verify the move using 2 different email addresses. I submitted the transaction to move all of my funds from my vault into my Bitcoin wallet, verified the transaction on the coinbase website itself by clicking the " Approve Withdrawal '' option, then also approved it through my email. Their website says that after 24 hours the funds will be moved and available for use. That was 7 days ago. Their customer service is virtually non existent, as I have tried calling with no response as well as sent over 25 emails to their support department only to be told that a " specialist '' is now handling my issue and that I will receive an update in 4 to 5 days. That also was over 7 days ago. At this point, my funds are at the mercy of coinbase. I am unable to trade and/or move any of my funds out of the vault and can only watch my money go straight out the window. The only info I have been provided is a case number, which is XXXX # XXXX. MY MONEY HAS BEEN STOLEN BY COINBASE. I am literally at my wits end with Coinbase and their lies and lack of customer service.
Consumer complaint received 2022-02-05
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. (LA)

on XXXX XXXX i sent the CEO of equifax XXXX XXXX ; a statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, XXXX XXXX XXXX if the matter is not correct within XXXX calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, XXXX  XXXX  XXXX of name and estate. i have reason to believe and do so great faith
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Delinquent account — 
Company: SQUARETWO FINANCIAL CORPORATION (OR)

An item appeared on my credit report and I have been attempting to resolve with the creditor ( Fresh view Solutions ) XXXX. After being on hold for 1/2 an hour on XXXX occasions, no answer or call back. I can not settle the purported obligation if they ca n't answer my call. This item is impacting my ability to obtain new credit. Acct # XXXX.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I have disputed this information with Equifax in which the results of their investigation is that the infomration is reported correctly. I disputed the information and asked that it be removed because the plantiff vacated and dismissed the judgement. I have a letter from the attorney with the proof that this judgement is not correct. How is that equifax investigated and did not know this information. This proves that Equifax has been bias with investigation and has not been investigating correctly. They are leaving a judgement on my file that is hurting my credit report and refuse to remove it even when it 's being vacated andl dismissed by the plantiff.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Equifax is holding hostage my XXXX credit file once again, below are actions of discriminatory practices implored by these XXXX : 1. Bankruptcy case number XXXX was filed XX/XX/XXXX and should have been removed from my credit file over 3 years ago, still to-date Equifax , these XXXX are still Reporting this XXXX on my credit report, they ca n't STOP me from functioning, that wo n't HAPPEN on my XXXX WATCH! Now they 've tried and it 's not been successful, EXAMPLES : 2.50 % on auto loan, 2 % on the biggest XXXX ticket item of a life time, Mortgage loan 2 % XXXX. XXXX 's XXXX credit card SHOWING XXXX closed, this account does n't belong to me and I 've asked them to remove it, its XXXX with my credit score, just as the Bankruptcy is doing! Would CFPB implore these XXXX to remove the CLOSED XXXX 's Club account off my XXXX CREDIT Report, they are not STOPPING me from doing the credit business. Remove this XXXX account at once! XXXX BANK is n't reporting this XXXX Equifax has created this account. Question? XXXX CFPB, Have Equifax to forward me the last transmission by XXXX account that CLOSED, get this XXXX off my Credit Report, NOW!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I mailed TransUnion a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.
Consumer complaint received 2022-02-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I submitted a complaint to Experian on XX/XX/2022 pertaining to a issue about inaccurate balances reporting on my consumer report. They responded on XX/XX/2022. They stated that they started a reinvestigation and started to contact the furnishers. I want to stress that they have to conduct their own investigation and not just wait on the furnishers to reply. They also claimed that the other balance I disputed is not on my consumer report. The two balances I disputed were with XXXX Bank and XXXX Bank. The balance with XXXX Bank is in fact on my consumer report.