davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted TransUnion, XXXX and XXXX about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.
Consumer complaint received 2020-01-27
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. (MO)

Equifax has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

XXXX  account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian in regards to their inaccurate reporting of 2 dismissed bankruptcy filings that do not belong to me. I have contacted their 3rd party information provider XXXX to request my report to verify Experian reporting and they DO NOT MATCH. Experian claims to have reinvestigated the dispute however no changes have been made to match their 3rd party information provider.

I am now requesting copies of their reinvestigation, name of person ( s ) who conducted the investigation, and aterial fact to support their continued reporting of inaccurate information. 
I also requested an updated file from XXXX XXXX which is Experian 3rd party information provider and there is in fact NO BANKRUPTCY REPORTING.
Consumer complaint received 2020-05-23
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: PRESTIGE FINANCIAL SERVICES INC (PA)

Prestige Financial Svc. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.
Consumer complaint received 2022-07-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

On XX/XX/XXXX, I did make a phone call to Lexus financial to check the detail of my payoff amount. Their representative can't answer me clearly and also say something else to blur the detail. Once he transferred me to the resolution team, they are not able to explain the detail either but will email me the detail. 
Later, I received the explanation email that still doesn't come with detail or the equation on how the final number comes out. The explanation letter just told me the principle of how the number they calculated. 
In total my payment together, I have paid more than XXXX than the XXXX OTD number. 
And under the current lease term, I have been charged the full amount of XXXX term 's lease tax, and I have only fulfilled XXXX months, I am also looking for these tax refunded back to us too.
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX i notified capital one that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX following a severe accident in XXXX. I told capital one in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to XXXX XXXX XXXX who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of capital one. I attempted to settle with XXXX XXXX XXXX minus the recovery fee and past due fees and was immediately sued.
Consumer complaint received 2020-05-24
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. (VA)

I have tried several.times to dispute my XXXX, Transunion and XXXX  credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to Transunion website, it doesn't allow me to dispute because another active dispute is in process. 

XXXX  does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

XXXX  does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed asap.
Consumer complaint received 2020-05-24
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. (GA)

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.
Consumer complaint received 2020-01-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CT)

On or about XX/XX/XXXX, LoanCare filed a foreclosure complaint with the competent jurisdiction of Connecticut. Since this is a VA Home Loan, the VA wrote me a letter stating that I could reinstate my mortgage. 

On XX/XX/XXXX, I had paid {$35000.00} to reinstate the mortgage, which exceeded the reinstatement value provided to me by LoanCare. The mortgage should have been reinstated at that time, but the mortgage was not reinstated and LoanCare proceeded with foreclosure proceedings. 

On XX/XX/XXXX, I received an email from LoanCare stating that they did receive any money to be applied to my mortgage and continues to proceed in contacting me for debt collection purposes.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VW Credit, Inc (NY)

I have a delinquent notification on my credit report form Volkswagen Financial that states that I was 90 days late in XXXX-XXXX of XXXX. This account was closed and paid in full in XXXX of XXXX.
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

Claimant identified the following issues : Failed to respond to fraud, Customer service lied to me, Locked my account and opened a new one without My authorization On XX/XX/2020 I found out that {$23000.00} was gone from my buisness account and I called Wells Fargo bank to report the claim and they open a fraud claim for 2 days and they lock my account and denied my claim they said that I authorize this on line transaction To company name : XXXX XXXX XXXX that I never heard of and I never made any transfer to this company and they told me to call the interactive to ask for refound and I did and the company told me that I dont have any account with them and they told me it was a compromise account from your bank and only way to get my money bak is trough Wells Fargo bank to reclaim the money and Wells Fargo refuse to reclaim the money and I called so many times to reopen fraud claim and they refuse and finally when I told them I made a police report and FBI report they reopen my claim for 7 day and they told me that they will refund my money bak and I kept to ask for the claim status and they keep telling that still under investigation and they denied again for same reason.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Since XX/XX/XXXX I'm disputing this account, asking for proof because I do not recognize the account as mine. On XX/XX/XXXX I dispute the account asking for validation. Portfolio just sent a letter saying the account is verified. On XX/XX/XXXX I sent a letter asking for information about the account and just sent my the same letter stating the account is verified. They never sent my any proof of the account is mine.
Consumer complaint received 2023-01-21
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. (FL)

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 U.S.C 1681 Accounts # XXXX XXXX account resolution 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 a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I had a mortgage loan accounts with Wells Fargo. Between XXXX to XXXX. I applied for modification but didn't get approved to save wrongful foreclosures. I haven't received any settlement. Please advise. 

Thanks, R
Consumer complaint received 2022-07-01
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)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX  account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX  account no. is XXXX ....
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

I was notified of a collection on my account for {$640.00} from Midland Credit Management. I am unaware of this debt and I have never received any debt notification or right to dispute. Midland Credit Management has been told by CFPB not to contact me a couple years back for harassing me and calling my work for another separate debt they claimed I owed but didnt two years ago and now they are starting the process again.
Consumer complaint received 2022-06-14
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. (NV)

XXXX Request Validation of Bankruptcy From XXXX, Equifax, XXXX and Court. 
XXXX Received Validation from XXXXXXXX XXXX XXXX  XXXX- received letter stating bankruptcy is accurate. 
XXXX mailed letters to XXXX XXXX XXXX Equifax and XXXX XXXX for removal of Bankruptcy from credit reports with letter from Nevada Court stating did not report.

Nothing has been done as of yet. 

XXXX XXXX BANKRUPTCY FILED XXXX BAL {$0.00} XXXX Their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.
Consumer complaint received 2020-05-24
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)

For the last 2-3 years, I have attempted on numerous occasions to have information on my credit report updated. I have two accounts for XXXX ( Student Loans ) that show incomplete or incorrect information. Specifically that there is only 18 months of the last 5 years sporadically showing and all the others show " No Data Available '' as well as going from " OK '' one month to " 120 days past due '' the next. I've submitted several reports via the online system and each time I get a response saying they have investigated and the updates to my report are " Customer disputes, verified accurate ''. Given the erratic nature of the information listed I have repeatedly asked to have it updated/corrected to either show the full reports from date of creation to current or have them removed for being inaccurate and that has yet to be done.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Our loan was bought from one bank to another. The amount on mortgage balance does not match up with the amortization schedule. We should owe around XXXX and they are saying XXXX. 

They also told us that a loan modification was mandatory because they require to have a escrow account. They told us that nothing would change not the rate not the term and not the amount. 

We have made every payment. They are saying we have never made a payment to this new loan mod which is correct but we still pay to the original loan. 

I only have 10yrs on my original loan but this modification added 30 yrs with a total of 40 yrs until loan matures I also had damage in the hurricane Irma. I have lost my roofer because they would not release any funds to pay roofer. The roof project has to start over because of materials in the sun for 2years that are not supposed to be exposed. 


The only way I found out about this is they filed a foreclosure suit. I also have a Leon from the roofer
Consumer complaint received 2020-05-24
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. (MI)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because 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
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In 2016, my account was closed by Bank of America in which they claim fraud was done on my account. I would never, and have never competed fraud in my life. One of their atm 's were not working correctly one day as I was trying to make a cash deposit. It took the money then spat it out and delivered an error message receipt. I went to the next atm at the same location and did the transaction again. It went through the second time but on the app the cash deposit wasn't available immediately look it should be. I called to report this inconvenience and they were starting an investigation. A few days later the errors had been worked out and we assumed the issue had been resolved. A week later I received a check from Bank of America for the remainder of my balance and a notice that they had closed my account. All of this was crazy but fine until I tried to bank with others and was told I couldn't because I had been reported to XXXX XXXX, and XXXX XXXX. I need to be able to bank with others. I am a XXXX  year man with a family and its been very difficult using prepaid cards. Please help!
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I used my Citi credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Citi a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Citi take care of the dispute.