davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (PA)

Costco solicited and accepted a credit card application in my name from my wife without my consent and without me even being present in the store. My wife does not even have the same last name as me, so even if it was legal to accept a credit application in one spouse 's name from the other spouse ( which it is not ), how would you even know we are married? That could have been any random person in your store with my information and yet your representative did not even hesitate to take the application. Costco is allowing ( perhaps encouraging? ) front line team members to accept fraudulent credit applications. Why would you ever accept an application from a person in a completely different person 's name? How can consumers trust that Costco is keeping their personal information safe when they do things like this?
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (IL)

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). Many of the accounts are duplicated as collections. This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX never late XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1800.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX {$420.00} not mine
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1000.00} Inquiry XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A sates I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper, a mortgage company that bought my home loan, effectively stole from me for over a year. 

In my closing documents I showed that my insurance company, XXXX, had the homeowners insurance on my home. It was part of my escrow account that determined my monthly invoice owed to Mr Cooper Yet Mr Cooper decided, on their own, that I didnt have homeowners insurance and effectively double charged me by adding on an additional XXXX $ per month to my escrow for their in-house insurance company. 

Once I noticed the amount coming out was wrong I contacted Mr. Cooper in early XXXX and eventually they refunded over {$4000.00} to me because of this double charge. 

They did not return any interest that money should have earned. In addition the following month, XXXX, they went ahead and charged me the higher amount again. That lead to a non-sufficient funds charge on the account because I was not expecting a higher amount. 

After numerous phone calls, they finally decided to wave the extra fees because the account wasnt paid on time None of this shouldve been a problem, except that Mr. Cooper thought they could get away with charging me twice for my home insurance, with their in-house insurance company. 

So to recap, Mr Cooper took out extra money, kept it, Im sure invested it, and it was only when I had to make numerous phone calls to get them to fix the problem that they decided to return my money without the interest. 

I believe this is clearly a deceptive practice and should be investigated to see if its being done on a widescale basis. 

Please contact me if you have any questions. 

XXXX XXXX
Consumer complaint received 2022-09-06
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (CA)

XXXX past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of XXXX who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from XXXX furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/2022 : Capital one refuses to give cosigners of credit cards online access. 

I was told by several supervisors and workers that in order for co-signers to get access to the online portal we have to use the same username / password across all users of the credit card. So I would have to use the Primary owners credit card user/password. By doing that it will give us all access to all credit card information on the username. 
That is absolutely unacceptable, as I am not the cosigner on any of the other accounts by that user and should never have access to all of his account information. 
the fact that they say that each credit card is only allowed 1 log in is against financial protection laws.
Consumer complaint received 2022-07-25
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. (VA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NY)

Revco solutions sent me a letter attempting to collect an alleged debt violating numerous laws such as 15 usc 1692f, 15 usc 1692f ( 1 ), 15 usc 1692g ( a ) ( 4 ), 15 usc 1692j ( a, b ), I requested validation of this alleged debt and requested a cease and desist among other request to validate this alleged debt!
Consumer complaint received 2022-04-25
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: Finance System of Toledo, Inc. (OH)

I had a medical bill placed on my report that was already paid due to an XXXX XXXX  I have submitted the paperwork and the company and the bureaus have refused to update and remove this from my credit report. I even went to court with the company showed my proof to the judge and it was dismissed I sent in proof from the court with my complaint to the bureau yet on my current dispute they said it was accurate and didn't remove it.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MI)

I believe that the Round Up feature on the Barclays Upromise Master Card is very  misleading. They are offering the client to round up their purchases to earn 1.25 % on that round up. The client is already earning 1.25 % on their purchase without the round up feature. For example, if a client spent {$49.00} on a purchase, Barclays will give them XXXX cash back ( 1.25 % of {$49.00} ) If the client elects to round up to {$50.00}, the XXXX is charged as a purchase and the client earns an additional XXXX. So, in essence the client is paying money to get less money. How is this legal? I did call the credit card company to fully explain this to me. I was enrolled at my own direction however after learning the full details, I unenrolled. I think this is a clear case of the credit card company taking advantage of the consumers to make more money. It's ridiculous and should not be allowed.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have called this company multiple times to get validation for this debt. They do not have information to validate or verify that this account belongs to me. I spoke with 5 different representatives and no of them were able to locate an account in my name. However, this negative account is still showing up on my credit report.
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have my name that is totally wrong and a previous address that is wrong,3 unauthorized inquiries that need to be deleted one account that says charge off which is wrong and 3 accounts I don't recognize to be mine
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed ASAP!
Consumer complaint received 2022-07-25
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all XXXX credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all XXXX of my reports. 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/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 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In Accordance with the Fair Credit Reporting Act XXXX  Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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.
Consumer complaint received 2022-07-25
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: HYUNDAI CAPITAL AMERICA (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-06-20
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. (FL)

XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY XXXX
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (DE)

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. 
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 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 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 section2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

The account with Citi Bank has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies XXXX XXXX account number XXXX amount of {$1000.00}
Consumer complaint received 2022-08-01
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. (CA)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I applied for a conventional home loan with Wells Fargo on XX/XX/2020. Wells Fargo reviewed my information and gave me a pre-approval letter. 

I have two jobs but I started on one of the jobs in XX/XX/2020. I specified the start date accurately in the application. I also specified this in one of my email communications with the Wells Fargo home loan consultant. 

In spite of this they decided to go ahead with the loan. Finally when it came to underwriting, they declined to approve the loan saying that they can not take into account secondary income. 

However they have not made any official decision to this day. They do not respond to emails or phone calls. I spoke to a different home loan consultant and was informed that the application is in decline review. It has been in that status for 4 weeks. 

Meanwhile, I the seller has not released the ernest money deposit saying that they can not do so till they see the decline letter from the bank. 

Please ask Wells Fargo to either approve the loan or provide a decline letter ASAP. 
My money is held up.