davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (CA)

XXXX. I received an unsolicited offer by mail from Bank of the west for a credit card saying that if I spend certain amount in XXXX  months - they will offer a credit of {$200.00} sometimes in XX/XX/XXXX XXXX. I applied and got the Credit card XXXX. I used the XXXX  to pay for some bills so that I am eligible for {$200.00} reward XXXX. When it was time to pay the bill - I paid most of the amount minus {$200.00}. I called their XXXX  XXXX  and they said they helped me apply the reward amount to the balance payment of the bill. The XXXX XXXX did not tell me that there is a time lag between applying the reward amount applied to pay the bill and the actual posting of the amount towards the bill. 
XXXX. After this I did not use this XXXX  to charge any other amount. 
XXXX. A few days back I received a bill for {$54.00} from the bank of the west for this XXXX  XXXX. I called the number given on the back of XXXX and was told that reward was applaied on XX/XX/XXXX while bill was due on XX/XX/XXXX and thus there was a late fees of {$27.00}. 
XXXX. As I had not used this XXXX for any other transaction- I did not check my monthly statement. 
XXXX. The customer service of the Bank XXXX told me that since I had not paid the first late fees of {$27.00} there was an additional alte fees of {$27.00} and tne total amounto be paid was {$54.00}. 
XXXX. I explained that I was not told about the lag time in applying the reward amount towards the payment of the bill- I should not be charged {$27.00} as the late fees and thus if thje first late fees is waived - the second late fees should be waived automatically. The Customer services rep stated that the system does not allow them to wauve these fees XXXX. I requested the rep to cancel my XXXX  and she said that it can not be canclled unless I pau the {$54.00} XXXX. I then went to Bank of the west XXXX located ar XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and met XXXX XXXX XXXX,, XXXX XXXX  Banker ( Phone Number XXXX ), Email address - XXXX. She called the bank XXXX line and requested them to waive off the {$27.00} fees and was successful in getting the first {$27.00} fees waived. XXXX pleaded with the XXXX to waive the XXXX fees as it had not justification after the first fees has been waived. XXXX- the XXXX rep called his supervisor XXXX who expressed his inability to waive the XXXX {$27.00} fees. XXXX expressed her frustration to me stating that their XXXX  group do not even listen to them. 
XXXX. I requested XXXX and XXXX XXXX to give me the Email address of the customer service for XXXX. Both told me that I should XXXX it and find this out. I havre XXXX  it for XXXX minutes and there is no place they give the email addresses of the customer service VP. 
XXXX. This bank seem to be behaving like a rogue and That is what I decided to take the time to file the Complaint with CFPB
Consumer complaint received 2023-02-04
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. (NY)

Trans union has XXXX inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX XXXX XXXXXXXX, put collections on my account
Consumer complaint received 2023-02-05
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. (WI)

I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX on XXXX XXXX, 2023 to open a Certificate of Deposit and Savings Account. When I was told that the XXXX XXXX would have to do a credit inquiry, I told them that I do not consent to a credit inquiry and that I would not like to open any accounts anymore. However, XXXX XXXX XXXX still did an inquiry through TransUnion that showed up on my credit report on that same day. XXXX XXXX XXXX made an inquiry without my authorization or consent. I want this inquiry to be taken off all of my credit reports. I tried contacting XXXX XXXX XXXX about the issue, but nobody would get back to me or assure me that the mistake this would be corrected. 

What XXXX XXXX XXXX did by running a credit inquiry without my consent was a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

This is in relation to claim XXXX and a response also submitted on XX/XX/XXXX. Shellpoint continues to change the date of when they think a payment was missed. Their latest claim was the account has been delinquent since XX/XX/XXXX. Due to time needed to get old records from the bank, records were sent to them ( and attached here ) on XX/XX/XXXX illustrating payments made back to XX/XX/XXXX and no evidence of a missed payment.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX OHIO XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY XXXX CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXX Ohio XXXX and also XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX XXXX BEING REPORTED TO MY EXPERIAN ACCOUNT. 

ALSO ON MY EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX OHIO XXXX IS BEING REPORTED WHICH IS INACCURATE
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I have had this account for 20 years. I deposted a check into my checking account on XX/XX/2023 @ the ATM and on the next day XX/XX/2023 I checked my account online and the money from the check was available to use there was no hold on my funds neighter did I recieve an email are text telling me that my funds was on hold, so I used some of it for my needs later during the day I went to the store and my account was declined. I came home and checked my online banking @ Wells Fargo and found that my account was negative {$2800.00} to my surprise when I called the customer service line I was told my check had been placed on hold for possible fraud by the Federal resure by the online bank manger. I said to them this Check was from XXXX  XXXX and there was no problem, I asked why there was not a hold placed on my check when I deposited I would have know not to use any of the funds and most importanly I would not have been able to use it. I was told because I was a long term customer Although, I never recieved and email or a call saying my funds was on hold, he said but the Federal Reserve changed their mind and said a 10 day hold should be placed on the funds. I asked the bank manger would he remove the hold since I am a long time customer. He said that there was nothing he could do the Federal Reserve said No. on XX/XX/2023 I recieved a email saiyng my deposit was on hold and I need to make a deposit to clear up my over draft, later during the day Wells Fargo cleared out my saving account of all money there and also took all of the money from my credit card to try and clear the over draft without my permission. Then they told me I will be charged over draft fees if I did not clear up the over draft, while they still are holding my deposit for the next 10 days. I was made to feel like a criminal and I felt racially profiled. I also felt embrassed while in the store trying to make a purchase when I knew that there was money in my account. Thank you
Consumer complaint received 2023-02-04
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)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX Please investigate and provide Proof with statements showing that this payment was late.
Consumer complaint received 2023-02-04
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. (PA)

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and Equifax. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of EDXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX  out these amounts with XXXX. 
My Equifax report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with Equifax XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XXXX XXXX, 2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.
Consumer complaint received 2023-02-04
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. (PA)

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, Transunion and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by XXXX XXXX XXXXXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX out these amounts with XXXX. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My Transunion report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and XXXX XXXX XXXX XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of 2022 and it still has not been reflected in my credit reports from TransUnion and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( 3 ) as the account was not noted as being disputed within 30 days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the US code.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've been a personal capital one cardholder for many years. Never missed a payment, credit score around 800 or above.

I applied for a business card 7 months ago in XXXX. I received a credit limit too low for my business activities of {$10000.00}. 

I've requested an increase every month for the last 6 months : around XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I asked for it to be increased from $ XXXX {$50000.00}. 

Each time I received an immediate automated rejection letter without a specific reason or anything to do with my financials or a clear waiting period. The reason stated says they are still evaluating ... 

It does not give me my credit score or credit bureau where they derived information as I read on the CFPB website. 

I finally called in again today XX/XX/2020. The agents couldn't give me a reason and just said wait longer. I escalated this to a manager and he said there was no one I could speak to. I tried to file a complaint and he said he could note my feedback, but there is no way to escalate or file a complaint. He said he couldn't even read the 6 rejection letters in my account. 

What should I do? Am I being discriminated against? Help!!
Consumer complaint received 2023-02-04
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: Resurgent Capital Services L.P. (FL)

CFPB complaint : On XX/XX/XXXX, I placed phone call to XXXX XXXX XXXX XXXX in response to a call I received from them. ( XXXX ) XXXX They informed me about their attempt to collect debt they claimed I owed LVNV Funding LLC for a total of {$1100.00}. The original creditor of this debt was XXXX XXXX XXXX. 

Upon my request, they agreed on sending me information in writing about such account. 

On XX/XX/XXXX and XX/XX/XXXX, Resurgent capital services sent me two letters with 2 attachments : a credit card statement and an account summary. These documents indicated that the account origination date was XX/XX/XXXX and account charged off on XX/XX/XXXX. 

I replied via certified mail requesting validation of debt as belonging to me by provision of the original contract signed agreement. I requested that information twice. Resurgent Services, replied to me twice not providing the contract signed agreement but the copies of the card card statement and the account summary.
Consumer complaint received 2023-02-04
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. (MD)

Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXX XXXX {$1900.00} date opened XXXX XXXX XXXX XXXX {$3700.00} date openeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} date opened XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX XX/XX/2023, I contacted Capital One about an automated payment that I needed to change dated for that day as there had been fraud on my account. The representative, named XXXX, stated that she couldnt make any changes to the payment as it was the date of the payment. I was told to make an additional payment from another payment source and told that if I received a return payment or past due fee on my next monthly statement to call in and it would be credited. 

Today after XXXX representatives I was told by supervisor XXXX XXXX employee number XXXX that they would not be able to do this as another capital one account had already used my XXXX time courtesy waiver. She refused to refund the fee. She refused to transfer me to anyone else.
Consumer complaint received 2023-02-04
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. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt XXXX. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

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ew weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.