davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Establishing Stop Payments and Paid the fees for Stopped Payments, only to have the Bank not stop the payments, causing my account to show negative balances for almost a complete month sometimes. When addressing the issue with the Wells Fargo bank, I am continually patronized and the dispute ignored... sometimes a claim is filed... sometimes a temporary credit is issued then the same temporary credit is reversed without notice weeks later. I have also been told to use small claims court. I have always given proof of Merchant errors, as well as Wells Fargo Errors. Wells Fargo has collected funds from the merchant and from me at the same time during the same disputed transaction. I HAVE PROOF. This is currently happening, and on several occasions in the past. The correction is not recognizable in the transaction history of my accounts, but all of a sudden my balance is more or less than expected, and I do have emails to show the errors, though my accounts do not show them. The amounts vary from {$0.00} - {$1000.00}.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I closed this account by mailing back the credit card cut in half along with a note to this effect and a payment for the last bill. The bank claims that they closed the account about two months later. Moreover, they applied an overdue charge to the account for a balance remaining of {$0.00}, and then applied additional monthly overdue charges for that late charge until the total reached {$180.00}. All overdue charges for an overdue charge on a paid off and closed account. They continue years later to report this " debt '' that I supposed owe them.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On my Experian credit report theres two accounts reporting negativity. Account 1 XXXX Account 2 XXXX XXXX XXXX Both accounts are reporting positive payment status on my other credit report like XXXX and XXXX. On my Experian account There not show a current payment status. Experian is reporting improper information on my credit report thats hurting me from getting approved for credit.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

Hello My complaint is with Experian credit reporting agency. I have been requesting that the stop CHARGING my account each and every month. This has gone on for over a half a year. A guy named XXXX never cancels it but rather always asks me for my credit card number. I have made it abundantly clear that I should not have to give my information to cancel my membership. I tried to go onto the website to remove my card but, they wont remove an existing card UNLESS you put a new card first. This is unscrupulous behavior on the part of Experian. I have had with this bureau. They also lowered my score 16 points for NO reason.
Consumer complaint received 2022-07-18
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. (TX)

in accordance with the Fair Credit reporting act XXXX Account # s account # XXXX account # XXXX has violated my 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 consumer reporting agency can not furnish a coount without my written instructions
Consumer complaint received 2021-10-30
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: EQUIFAX, INC. (FL)

Please be advised, Ive been a victim of identity theft. I sent in an ftc report back in XXXX. Equifax failed to investigate properly. 

Ive never done business with XXXX XXXX XXXX XXXX bill is {$500.00}. Account says it was opened XX/XX/21. Which is funny because I never received any medical care from XXXX XXXX in XXXX of this year or XXXX of any time. Ive never done business with this company or entered into a written contract with this company
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

While running information to purchase a new home, our credit was run and the current debts were listed. While listening to the debts, we became aware that one of the debts was not one we had acquired. Upon further investigation, we found that a XXXX XXXXXXXX XXXX XXXX was purchased from XXXX XXXX XXXX, XXXX. in XXXX NC. This purchase was made using my name and social security number. I reported the PII theft to the XXXX Police Department, XXXX, NC ; Officer XXXX, Police Report # XXXX. Officer XXXX suggested I report to my local police department, the XXXX XXXX Police Department, XXXX XXXX, GA, Police Report # XXXX, Officer XXXX. 

I attempted to report this to Capital One, and sat on hold for more than 5 hours on the telephone. I am supposed to close on my home on XXXX XXXX, and now the lending company will not underwrite the loan due to this new XXXX debt on my account.
Consumer complaint received 2019-02-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

Closing date number 1. XX/XX/2019- postponed due to missing paperwork. Rate lock extended without consent from myself. A fee was charged to me.

Closing date number 2. XX/XX/2019- postponed due to mortgage company 's lawyers delaying on paperwork. Rate lock extended and another fee added at cost of myself. Fault of Quicken Loans and admitted as such.

Closing day number 3. XX/XX/2019- postponed due to seller not being out of house. No fee added bc was still in new rate lock.

Closing day number 4. XX/XX/2019- Postponed due to mortgage company 's lawyers failing to provided all needed documentation and a tax check. Assigned lawyer " on vacation '' and no one could locate paperwork. Paperwork found on XX/XX/2019 but unable to schedule new closing by new rate lock deadline of XX/XX/2019. New rate lock extension added, cost to myself. Quicken admits fault on their end but still charges me.

Closing day number 5. XXXX- Quicken contacts my attorney and states that I requested a new closing for XX/XX/2019, which I never did. Quicken also messages me at XXXX the day before asking for more paperwork that needs to be to them by XXXX that day for closing to happen on XX/XX/2019. Knowing that this was impossible since I was at work from XXXX to XXXX. They know my schedule by now, also the same person had contacted me on XX/XX/2019 asking for different information, which was provided, but know needed more. Again, another delay. So far delays caused by Quicken and their lawyer has costed me over {$1400.00}.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In early part of XXXX  Transunion lowered my FICO score for no reason from XXXX to XXXX. They have never given an intelligent reason for doing it. XXXX, for example just raised my score to XXXX. Transunion should do the same.
Consumer complaint received 2022-07-18
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. (TX)

in accordance with the Fair Credit reporting act XXXX Account # s account # XXXX account # XXXX has violated my 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 consumer reporting agency can not furnish a coount without my written instructions
Consumer complaint received 2024-04-13
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: CCF Intermediate Holdings LLC (MO)

XXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.
Consumer complaint received 2022-07-18
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: Bread Financial Holdings, Inc. (IL)

COMENITYCB/XXXX Miscellaneous Department and XXXX XXXX XX/XX/2022 XXXX On XX/XX/2022 Comenity Bank XXXX XXXX Credit Card made an UNAUTHORIZED and UNLAWFUL hard inquiry into my XXXX Credit File. 

My Comenity Bank / XXXX Credit Card was defaulted years ago and was previously sold by Comenity Bank to a 3rd Party Debt Collector. Now, as a result of the sale Comenity Bank does NOT have a permissible purpose for making a hard inquiry into my XXXX Credit File. This hard inquiry into my XXXX Credit File is harassment, ILLEGAL, and is apparently intended by Comenity Bank to lower my credit score and to cause a hardship for me when I am attempting to obtain credit, housing or employment. 

Comenity Bank must REMOVE the inquiry dated XX/XX/2022 from my XXXX Credit file as it did NOT have a permissible purpose to inquire about a previously defaulted debt which it had previously SOLD to a 3rd Party Collection Agency. This debt no longer belongs to Comenity Bank, and the inquiry must be removed immediately or I will be forced to file a lawsuit. 

Thank you, XXXX XXXX
Consumer complaint received 2022-01-17
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: Minto Financial dba Minto Money (LA)

Hello, I received this letter in my email saying that I have been denied for a loan that I have never applied for. Is this indication that someone is using my personal info in an identity theft matter or is this spam? Also, is this going to reflect a bad reporting on my credit record? Has this been placed on my credit record? Please help me with this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-13
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. (MO)

XXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.
Consumer complaint received 2022-01-18
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)

This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : 1. information solely as to transactions or experiences between the consumer and the person making the report 2. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : 1. XXXX XXXX BANK XXXX 2 XXXX XXXX XXXX BANK XXXX XXXX 3. XXXX XXXX BANK XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX BANK
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Caliber Home Loans, Inc. (MI)

In XXXX of 2023, I reached out to Caliber Home Loans to inquire about PMI Cancellation, since we were qualified to have it removed. We were told that since our loan was about to be moved, that they could not start that process. However, since the loan was moved more than 30 days after this communication, they should have given me the opportunity to move forward with the process and complete it within 30 days, as per the rules here : https : XXXX .... I was also told by Caliber that I would be able to start the process once my loan was moved to XXXX. However, this was not true, as XXXX told me I had to wait 30 days after the loan was moved to start the process. Caliber 's intentional delay has steamrolled into months and months of further delays and could have been avoided if Caliber had simply followed the rules instead of passing the buck.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (IL)

I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-01-17
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. (GA)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

I was a student at XXXX XXXX XXXX XXXX, from XX/XX/XXXX-XX/XX/XXXX for their XXXX XXXX XXXX. 
I was force into taking out loans that I could not afford and I was promised high paying XXXX XXXX position once I graduate. Which did not happen at all. Once I was done with the program. I begin to struggle to pay back the loans due to working XXXX  and making {$9.00} per hour.
Consumer complaint received 2021-08-09
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. (FL)

The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information XXXX XXXX XXXX TransUnion XXXX-TransUnion  XXXX-TransUnion XXXX XXXXTransUnion XXXX XXXX - TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX -TransUnion XXXX -TransUnion XXXX XXXX-TransUnion XXXX XXXX XXXX -TransUnion XXXXXXXX XXXX-TransUnion 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 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Nationstar Mortgage LLC d/b/a Mr. Cooper assumed my mortgage in XXXX of 2022. I spoke with them on the phone at that time because the principle was incorrect. Also at that time I spoke with them about PMI, they also assured me I would not be charged PMI as I had over 22 % equity in the home. They have been charging me PMI for the past year. A sum of {$810.00} has been removed from my escrow account over the past year.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

Wayfair terminated their contract with Comenity Bank on their Wayfair store credit card. Consumers were provided a letter in XXXX advising account holders that accounts would be closed due to the termination of the contract between Wayfair and Comenity. Because of the way it is being reported to the credit bureaus, it has drastically reduced my credit score. Their prior credit card holders are being negatively affected, in the middle of a global pandemic, due to a business decision between two corporations.

All of my payments have been made on time, taking advantage of the no-interest financing. Regardless of my exceptional payment history, my score has dropped 75 points due to their decision. 

I am asking that this be reported differently to credit bureaus when it is no fault of the account holder. There should be the ability to show the account closed due to the contract termination between a retailer and their credit card company. See note below. It is not just an inconvenience, it severely damages consumers ' financial health. 

" The Wayfair Credit Card Program, issued by Comenity Bank, will be ending. You can use your Account through XX/XX/XXXX. However, rewards that you've earned through XX/XX/XXXX can be redeemed until XX/XX/XXXX. For any questions, please contact Comenity Bank Customer Care at XXXX ( TDD/TTY : XXXX ). We apologize for any inconvenience. ''
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I do not typically carry a balance on this store card. However, In XXXX, XXXX, I did place a charge for what I recall was {$25.00}. The payment was due on XXXX/XXXX/XXXX and was considered late after XX/XX/XXXX. My mother was XXXX and I become distracted and paid {$25.00} on XX/XX/XXXX - the amount that I thought satisfied the full balance. The minimum payment amount was {$25.00} for that billing cycle and I thought that I had paid it in full. My mother passed on XX/XX/XXXX and on XX/XX/XXXX Kohls contacted me to let me know that a XXXX payment was due in the amount of $ XXXX dollars. I can not recall the exact amount and the company will not give me access to my e-statements at this time. I explained that I did not believe that I had a balance due with them and they explained that there was a late fee because of the XXXX payment. This did not make sense to me. Nevertheless, they readily removed the late fee and my balance was {$8.00} - the remainig balance from my XXXX purchase. I paid that on XX/XX/XXXX and the balance was {$0.00}. Never were my payments 30 days late and my credit report states otherwise. I want a restoration of my hard earned credit and perfect credit rating - especially since they reversed the late fee.
Consumer complaint received 2022-08-09
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. (GA)

Im submitting a complaint to inform you again that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (PA)

XXXX shows a credit score of XXXX Equifax shows a credit score of XXXX There is no way to dispute the score from Equifax. I have logged on to their site and it will not explain why the score was dropped. There is a big difference between the two scores and I would like this resolved. My credit score has historically been really good and I want to keep it that way, so the drop in score will help me who runs a small business. 

Any help will be appreciated.