davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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. (NJ)

I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Personal Information Also Known as : XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Late Close : XXXX XXXX XXXXXXXX Balance : {$0.00} ; 10/15-30days Charge off : XXXX XXXX XXXXXXXX XXXX XXXX : {$330.00} New Inquiry : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-08-10
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. (CO)

Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXXXXXX XXXX  and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. Experian and XXXX both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
Experian asked us to file this report and upload it to them.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (AZ)

Lender notified borrower that they are increasing the cost of our loan from $  XXXX  to  XXXX . They also required this increase to be effective the next payment thereby providing no advance warning that our monthly payment was increasing.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wish to bring attention to unauthorized inquiries appearing on my credit report. These inquiries were not initiated by me and are evidently fraudulent, violating my rights to privacy.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (AL)

Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10
Consumer complaint received 2022-09-07
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)

The is not Filed by a Credit Repair company and this not filed by 3rd Party.

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 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 Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : USDOEXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Made a purchase at Kohl 's in XXXX. Never received an email or written statement. They called yesterday to tell me that I had n't paid in two months and that I had the wrong email on file, However, I continue to receive emails regarding other announcements from Kohl 's. I have never been late on a payment for anything and this {$29.00} purchase is affecting my credit. My penalty was {$81.00}. I promptly closed my credit card with Kohl 's.
Consumer complaint received 2022-03-02
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. (NJ)

I have contacted and sent mail to this credit bureau is regard to a fraudulent account they have been reporting on my credit report. This particular account is not mine and I went through all the steps to show them this including filing a report with the Federal Trade Commission. Not only has this bureau not responded to my request to remove the fraudulent account from my credit report but they have not replied to any of my mail. And according to 15USC1692g ( b ) they were suppose to remove the account within 5 days.
Consumer complaint received 2016-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Service inaccurate reporting to the Credit Reporting Agency about, late Auto payments, no insurance and harassing phone calls. Wells Fargo Dealer Services has been calling me at 3 times a day for about a month or so ago. They allege that I owe them money, extra money and increased the balance owed on my auto. I have not missed a single payment ever since I got the car loan through them. I requested a deferment on my pay in XXXX XXXX, they granted my request. They have claimed that I do not have full coverage auto insurance, and that is why they believe I owe them money ; when again this is incorrect. I have submitted proof of insurance online, through a website they provide, as well as over the phone. The website is very difficult to manage due to the site off and on malfunctions. I spoke with the customer service representative multiple times about what they need to correct. This did not resolve the issues and even though Wells Fargo sent me documentation stating that my Insurance policy was updated and effective since XXXX XXXX XXXX Wells Fargo still reported me late for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. When I call to explain the errors made by WFDS the customer service gives the same update stating that they will not the file. Now because of WFDS inaccurate reporting and attempting to add fees has caused a chain reaction when applying for a place to live for my XXXX children and myself. I feel this is a great deceptive pratcice used by Wells Fargo Dealer Services.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

I requested a wire transfer from my Goldman Sachs " XXXX '' savings account to my stock broker at about XXXX on XX/XX/2022. As of XXXX XX/XX/2022 this has not occurred. 

The funds in the account are well aged, and there is no excuse for the over 24 hour delay.
Consumer complaint received 2015-12-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Opportunity Financial, LLC (IL)

My employer made a huge error with my paycheck and I needed funding to assist in a move to a condo. I applied for a loan with Opportunity Financial. Within minutes of completing the process that evening, I began to receive MULTIPLE phone calls from their offices, including into the next day while I was at work, teaching. This was very disruptive and during lunch, I called them and explained that the repetitive calls were unnecessary. As I did not yet have a paycheck stub to send, they closed out my loan application indicating that I could reapply at a later date. The next day, I received an email stating that my loan could not be approved due to 'adverse action ' ( I was told that my paperwork had been closed and not processed due to lack of employment documentation ). 

Once I received my paycheck stubs, I re-applied, attaching my payroll information. Again, the incessant phone calls began. I spoke with someone the next morning, inquiring about the reason for the XXXX phone calls that morning, the XXXX texts that morning, and the XXXX emails, all within a XXXX HOUR WINDOW. They indicated that they had approved my loan ; however, I informed the gentleman that I was speaking with that I had received an email stating that my loan had been denied. He said, " No, ma'am, I just got done speaking with the underwriters, everything is approved, I 'm looking at the paperwork right here! All you have to do is sign the paperwork and you 'll be all set, you 'll have access to the funds! '' I attempted to use the link to sign the paperwork and access the funds but could not. I then received ANOTHER email of denial ( by now, I am pretty confused ), stating that my loan could not be approved. I phoned the company who now tells me that the reason it could not be approved was because I needed a month 's worth of paycheck stubs. The first time it was denied was due to my credit report and the second time, it did not indicate the reason. 

I 'm not sure what this financial lending institution 's goal is : they are DESPERATE for customers it appears based on the insane amount of contact they make BEFORE XXXX even obtains a loan, but they are also very unorganized and unprofessional with regards to follow-up, documentation and correct information. It almost seems like they might get paid for processing applications but decline as many as possible to keep as much money as possible. 

The fact that I did not eventually receive the loan is of no consequence as my employer did correct the payroll issue and my financial standing will continue to improve. I am not bitter towards this company BECAUSE my loan was not approved. I am irritated ; however, that based on the confirmation of receipt of the loan that I obtained from the gentleman, I made arrangements to take a condo. Their business practices leave MUCH to be desired and are deplorable. Something just does not feel right about the manner in which they operate ... ...
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I received a message stating that my Checking account with Wells Fargo had an approved overdraft at an ATM transaction on XX/XX/XXXX. There was three transactions made ; one for XXXX and XXXX dollars at an AT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I explained to Wells Fargo that I did not, make the the transactions not did i authorize the transaction and that I only had XXXX to XXXX dollars in the account. Wells Fargo expressed to me that I have overdraft protection on my account which will allow funds to be taken out without being in the account. Wells Fargo stated that an investigation was conducted and they determine that no fraud took place. I then was told to get a police report if I did not agree which I did on XX/XX/XXXX with XXXX XXXX Police. I provided Wells Fargo with the police report number but was again told that the case can not be reopened and that I am responsible for payment of the withdrawn funds. I asked was the cameras reviewed at the ATM and I was not given a clear answer. I did not make the transactions and the camera will prove that it was not me. I expressed to Wells Fargo that they have a history of discrimination towards XXXX American consumers and the way that this case has been handled I feel discriminated. I just want to get to the bottom of the situation and I do not feel that I am responsible to pay for something that I did not do. I was a victim of something that is very common and I am being accused of authorizing these transactions.
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

This was/is a FHA loan and as such is insured against a total loss. This house is still in my name and not has been foreclosed upon. As a result I am not able to acquire a new loan or property under FHA 's guidelines due to the existing FHA Account number which is managed under XXXX. 
Wells Fargo needs to release my obligation and connection to this property and clear my XXXX record back to when the BK-XXXX7 was filed 2009, or at a minimum 3 years from when I filed which would be the penalty if they had settled with HUD.
Consumer complaint received 2017-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I got Really sick and fell behind on my payments. I 'm about 2-3 months behind, made a payment, and they wo n't accept it. They intend to hold it, until I can get an additional XXXX By next month. How can they HOLD it? I know they want my house. There 's potentially XXXX in equity. They want it.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 2021-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I transferred in {$1000.00} in XXXX XXXX and {$11000.00} in XXXX XXXX. 

I purchased Bitcoin and transferred to the wallet address in XXXX XXXX : XXXX I realized its a fraud and reported to Coinbase right the right in XXXX XXXX, but Coinbase didnt do anything to help me on this.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I have a lowes credit card with a fixed interest balance and several XXXX interest promotions. On XX/XX/2022 I made a payment of {$2600.00} to be allocated to paying off XXXX of the XXXX interest promotions before they expired ( XXXX in XX/XX/2022 and XXXX in XX/XX/2022 ). I was told that it would be allocated by the beginning of XXXX. I checked my statement in XXXX and it had not been completed so I called again. They said it was corrected and to check back at the beginning of XXXX. I checked again and called again because it still had not been completed. I just went through the same thing with them again. With those balances not being paid off as they were suppose to have been done, my minimum payment calculations were not correct. I have always made my payments on time. This is a very unfair practice. If someone is paying off a promo before it ends in order to prevent paying the accrued interest but it takes months for it to go through, that is extremely wrong.
Consumer complaint received 2022-08-10
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. (MD)

XXXX called XXXX XXXX  and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and Equifax keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

BANK OF AMERICA SENT ME AN EMAIL ON FRIDAY, XX/XX/2022. STATING THAT MY APPLICATION WAS BEING PROCESS. THIS APPLICATION WAS SUMITTED ON XX/XX/2022 FOR A SAVINGS ACCOUNT. I CONTACT BANK OF AMERICA, BECAUSE I DID NOT APPLY FOR A NEW SAVINGS ACCOUNT WITH THEM. THE REPRESENTATIVE THAT I SPOKE WITH " STATED, THIS PERSON HAD MY ENTIRE SOCIAL SECURITY NUMBER. '' THIS PERSON CELL ENDED WITH XXXX.
Consumer complaint received 2022-09-07
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. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2022-09-07
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. (SC)

In XXXX of XXXX  this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent XXXX XXXX XXXX in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.