davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (WI)

On XX/XX/2019 my lender ( XXXX XXXX XXXX XXXX ) where in the process of getting me a pre-approval letter in which they had to pull and or do a HARD INQUIRY on my credit file. 

After reviewing my credit report, it appears that ( 2 ) additional separate manual request where done without my knowledge and/or approval i.e. XX/XX/XXXX, and XX/XX/XXXX all of 2019. 

My lender herein states that they only did one request, but when I spoke with the credit bureau ( today ), they verified that in fact ( 3 ) total where manually requested on the aforementioned dates! This generated ( 2 ) unnecessary and/or unwarranted Hard Inquiry hits to my credit file, and they need to be removed!
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (RI)

Back in XXXX I refinanced my auto loan on my XXXX XXXX XXXX XXXX through Penfed Credit Union. As part of my refinancing process, my previous lender sent the title to Penfed Credit Union. From my interactions with Penfed credit union, my loan process was complete and started paying my loan. Out of nowhere I get a letter from PenFed credit union dated XX/XX/XXXX, that I failed to provide collateral for my loan so my rate was increased from 1.9 % to 14 %. I contacted PenFed and their representative said that they could not find my title information anymore so my rate increased even though I did not do anything wrong. Penfed never reached out to me to say there was an issue with my loan in the six months prior to this letter. Now on two occasions I have had XXXX XXXX XXXX send over the information and PenFed continues not getting or finding the information. 

The reps will not provide any alternate solutions and keep saying that I have to request a duplicate title from the Rhode Island XXXX. In Rhode Island, only the holder of the loan can request it which I have explained to them. They say they will not request the title as I am the car owner.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

Experian is reporting duplicate closed information for XXXX, when in fact this account is paid on time and active. Experian has several duplications for XXXX as it relates to negative accounts on my credit file. XXXX reporting states its closed, another reporting states it is open yet delinquent which, this creditor should in fact be updated with on time payments. This account is not delinquent.
Consumer complaint received 2023-01-14
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 (MA)

On XX/XX/2022, my friend XXXX gave me a prepaid gift card as a gift for the care and support I gave him during his illness with XXXX. In order to remember our mutual help and friendship, I let him register the card in his name, I was going to use the card in a store, but I needed to order something on a foreign website and I didn't want to expose my personal privacy and credit card information on a website outside the XXXX. So I tied the gift card to link my paypal account and successfully paid for the order, I haven't too much thoughts then removed the card because there is no money in it anymore, I didn't change the card to my name, even though I have the receipt and picture of the card, actually I can do it but I ignored it. Because it linked to my paypal account without any problem and paid successfully, I ignored the name issue, but perhaps because of this little accident, XXXX  days later, paypal cancelled my order without any explanation and without giving me any opportunity to explain or verify it, and just brutally and permanently limited my account, I received an email told me that I no longer could use the paypal because of potential risks. I was mistakenly considered a fraud by the foreign merchant and refused all my future transactions. 
Even though I compensated the merchant for the loss but they said they didn't receive. they still refused trade with me. Paypal returned the money on XX/XX/2022, however the gift card was locked, I called the gift card bank a few days later and was told that the money had been returned but I needed to fax them some receipts, since the gift card was purchased by XXXX, I didn't fax it to them. A few days ago at the XXXX XXXX XXXX XXXX party, XXXX told me he didn't contact the card company because he was too busy and he would contact them to unlock the card when he is free, we put this unpleasant experience.A few days ago the merchant contacted me and said they had misunderstood me due to some carelessness, they actually received my compensation, so they invited me to continue trading with them and welcomed me to buy again, but my PayPal account was permanently limited. and I couldn't continue shopping because of a small misunderstanding. I can not continue to shopping, I was so unlucky, but I can not understand they unilaterally permanently limited my account. this decision and punish is too harsh for me, yes! I consider it a punishment because it has negativel affected me.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stuart-Lippman and Associates, Inc (FL)

Good day, I recently learned that a past debt appeared in my credit score history as unpaid recently. I called the company Stuart Lippman & Associates and they confirm that my debt was successfully paid in 2016. 

I would like to have this corrected in my credit history. I hope you can assist me, Thanks
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have lived at the same address for over 20 years and use a XXXX. XXXX to receive mail. Moved to XXXX XXXX XXXX. XXXX XXXX, XXXX and use XXXX. XXXX XXXX ONLY to receive mail. Worded at XXXX XXXX XXXX from XXXX to XXXX, when became XXXX.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (TX)

Before XX/XX/2021, I clear my account balanced to XXXX. 
In late XX/XX/2021, Citi paid me {$3.00} interest. 
On XX/XX/2021, Citi charged me a {$4.00} bank fee ( Never charged before ) And then Citi charged me a {$34.00} overdraft fee. 
That is super nonsense : Bank added a few funds and charged me the fee to cause an overdraft and then ask me to pay for the overdraft fee. I am not even the one who cause overdraft here! 
Citi told me I can not get the refund because of their {$35.00} refund per account threshold. 
This is also a nonsense rule!
Consumer complaint received 2021-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. In my XXXX  XXXX XXXXeport, a new account is showing from Midland Credit Management for the balance of {$2300.00}. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXXXXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX XXXX XXXX XXXX XXXX XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXXredit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
Consumer complaint received 2022-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NY)

We purchased a new AC system for our home and financed thru Wells Fargo. it had an no interest period that terminated on XX/XX/2021. we were encouraged to pay monthly online and so paid little attention to monthly statements especially the one from XX/XX/2021 telling us to pay the principal balance prior to XX/XX/2021 or deferred interest would be applied at an annual rate of 28.99 % ( usury to say the least ). with XXXX worries we obviously never looked at the statement- our fault. Once i discovered it today i called Wells Fargo immediately to ask if i paid the principal off could they adjust the interest amount. XXXX XXXX # XXXX said there is nothing they will do, we new the rate and each statement had a note to that effect. our wells fargo acct number is XXXX XXXX XXXX XXXX. 
i feel this is unfair to have no interest in adjusting the incredibly high rate they are charging.. encouraging online, payment makes it almost a given that you will ignore the statements and its small notice of upcoming end to the promotion.
Consumer complaint received 2020-04-22
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. (FL)

Negative accounts are reporting on my credit reports that's impacting my credit scores XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (CA)

There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXX XXXX - XX/XX/2018 Another one was from XXXX- XX/XX/2018
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 with out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX called my husbands work looking for me. They told him that there was a warrant for my arrest that had been served at our old house in Alabama. They said I was being sued for credit card fraud. We called them back on three way and the lady that answered the phone was XXXX. She told me the same thing and that I had made recent purchases and payments on this credit card. The debt on this credit card is XXXX XXXX XXXX and is time barred in the state of Alabama. I did not make the purchases on the credit card in question although it was in my name. I was already sued for this debt approximately 10 years ago and it was thrown out of court when I counter sued for violations of the Fair Debt Collection Practices Act. The original debtor is Barclay Bank.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (CT)

I have been unable to access my account for months. I have called and been told I will get a call from a supervisor, this never happens. I am unable to make any payments or access my account at all and have been unable to for months.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I submitted the request for all XXXX reports at annualcreditreport.com, but when I clicked to get the first report, Equifax said there was a system error. When you click on the return button, it takes you to Equifax.com, where they offer to see you your report, but there was no way to return to annualcreditreport.com, to be able to get the other XXXX reports. I eventually tried to go back, but the system would n't bring me back to a place to request the other XXXX reports. I now have to use another method to get access to my XXXX reports, instead of the online, faster at. Very disappointing, and it seems like they want to make you purchase your reports, instead of allowing you rightful access to the free reports.
Consumer complaint received 2020-04-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.
Consumer complaint received 2020-04-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MT)

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in XXXX, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX XXXX XXXX that will confirm there were NEVER 60 day late payments made in XXXX for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.
Consumer complaint received 2015-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NV)

To the Parties Involved and assigned to Investigate Claim : Due to a pending refinance to pay off my vehicle loan, in conjunction with a brief illness, I asked for a deferment on my payments for XXXX or two months from the original lender Wells Fargo Dealer Services. This is an allowed option through Wells Fargo at least once during the life of a loan. I was transferred and spoke to the Deferment Department where I paid the {$25.00} fee over the phone ( on XXXX XXXX ) and was told my next payment would be due in XXXX. This is my third loan with Wells Fargo Dealer Services and none have had a late payment, all have been paid in full, prior to existing loan. I was told by the Deferment Department that I would receive phone calls from Wells Fargo Customer service about the late payment as it takes some time for the Deferment to go through the system and to " Ignore Them. '' I received voice mails about the late payment, but in regards to nothing else! I also received nothing in the mail regarding the Deferment, nor via email. 
Finally, I answered XXXX of the calls to ask why the paperwork was still pending, the lady was surprised about the Deferment and investigated. She found the payment of {$25.00} initiating but realized the agent was mistaken and never had me fax a signed paper that was required. She was kind and handled it very well and promptly and got it processed the same day for me. Lovely, end of story I had hoped. However, the bank called me on my refinance and says that Wells Fargo has dinged my credit, something I have guarded my whole life, and the result was a credit score that would cost me thousands in interest due to the late payment. So I phoned Wells Fargo D.S and spent an hour being transferred around departments, each time being told this was the wrong department. Finally, I was rudely told it was my fault I had not faxed in the form I did not know existed, and the ding to my credit was nothing they could do anything about. After additional time on the phone, finally, someone told me I could request to have this investigated by the credit company and it would take six months. I also will be notifying the C.F.P.B. 
I am to send all paperwork I have regarding complaint. Wells Fargo initially apologized for their error. Now, they are saying the error is my fault and the notes state they called me. They called regarding the missed payment, but never about a fax number regarding department. They also insist they phoned my work. A small business of about XXXX people, the chances of them not once delivering a message to me is highly unlikely. I also work full time there and was never reached. My husband, the co signer was also never contacted. Nothing was received via email or USPS. It is unethical that my credit is to be reprimanded for a companies mistakes as well as inconsistent training in their representatives. I appreciate any help in this manner. Thank you and please contact me if I can provide any further information. 

Sincerely,
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Requested the Method of Verification to XXXX XXXX XXXX. XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name FIRST NATIONAL BANK OMAHA Closed No Info This is Identity fraud ive done police reports, and FTC.GOV XXXX is continuing to report this fraud
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (WI)

On XXXX XXXX, 2016 I disputed an account that was on my report from XXXX XXXX XXXX with all XXXX Bureaus - All the Bureaus removed the data except XXXX On XX/XX/XXXX16 I received an updated credit report from Equifax ( see attached ) stating that the item had been removed. On XX/XX/XXXX16 ( see attached ) I pull my report and confirmed it was removed. On XX/XX/XXXX16 I received a notice that the item had been reinserted on XX/XX/XXXX16 ( see attached ) and on XX/XX/XXXX16 I pulled my report and confirmed that the item had clearly been reinserted. This is a violation of the FDCRA and I need your help.
Consumer complaint received 2020-04-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.