davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We have submitted 5 loss mitigation applications ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Out of these 5 applications we only received 3 denials in a written letter mailed to us. One denial was received on XX/XX/XXXX, 3 months after the initial application was sent. The servicer denied us due to insufficient income, but they were not calculating my husbands/ borrowers income. They claimed they did n't get all of the income information. The other denial was on XX/XX/XXXX, we were denied because I failed to complete a welcome call from the servicer. I did n't receive any letter indicating this step was required in order for my application to get re-reviewed. After that I did 2 welcoming calls, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was notified via phone that my application was removed as of XX/XX/XXXX. I was not notified about this. My application had been with the servicer since XX/XX/XXXX and I was never told about the removal, I was only requested for additional docs. The servicer again asked for another complete pkt on XX/XX/XXXX and we submitted it on XX/XX/XXXX, and onXX/XX/XXXX we were denied due to insufficient income. And I was asked for another pkt. We sent it on XX/XX/XXXX. Now the servicer said that they will not review my pkt since the acct is 3 yrs past due and the UW has had my pkts for 3 yrs in review. They will only look into transition options. We have complied with the servicer in submitting documents when requested.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-05-26
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. (UT)

I had    XXXX     XXXX   XXXX  accounts that were included in my  2013    Bankruptcy that was  discharged  years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!
Consumer complaint received 2017-07-11
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. (CT)

I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over XXXX to mid XXXX. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, XXXX and TransUnion to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.
Consumer complaint received 2024-08-26
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I opened an American Express delta skymiles card in XXXX with a promise of XXXX miles if I spent {$1000.00} in four months. I did that. I waited the 6-8 weeks it said for the miles to post to my Delta account. They never did. I called Amex onXX/XX/XXXX and was told this had happened to other people. They opened a complaint investigation and told me it would be resolved in a week. It was n't. I called back the following week and was told it was actually 7-10 business days, and would be resolved the the end of that time. It was n't. I called back today and was told the investigation takes four weeks. I spoke to a manager, who could not explain why the earlier representatives told me other times. He could not correct the error even though he cvould see that I had qualified. I know this is a minor complaint, but this company has failed to fulfill their terms and misinformed me multiple times about remedy. I feel like this stuff always happens to me and I 'm sick of it.
Consumer complaint received 2017-08-14
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 (MI)

Second or third time I 've had this issue with capital one. When I was upgrading my card I was told there would be no annual fees not only for the first year, but no annual fees ever I am always very specific about this. And after a year I received an annual fee! I call in ( takes over an hour! ) Manager says although I was given incorrect information there is nothing she can do and I will unfortunately have to pay it. This is YOUR business YOU are the one responsible for what you say, you 're the professional not me. She agrees but says i 'll have to pay the fee for their mistake ... That 's crazy. I insist i 'm not going to and that you 're not allowed to lie to the customer and after about 10 minutes of standing my ground she said she would 'look into it. ' First of all they are n't going to look into it they never do, and second had I not insisted for 10 minutes, spent over an hour being transferred from one person to another I would have got stuck paying this bogus fee ( and as of right now they still want me too! ) {$19.00} is worth an hour of my life and a lot of americans feel that way too so they do n't even call in to argue. This needs to stop! Oh and they also 'correctly upgraded my card ' so there should n't be a {$19.00} fee next year ... or so I was told. They just prey on people forgetting and not wanting to waste their time calling in. Insane.
Consumer complaint received 2017-07-11
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. (AR)

File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the TransUnion stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MA)

I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXX Both loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers. Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status. XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies. XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled. XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle. XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled. XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial. XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as " Charged Off '' delinquent and unpaid. XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I do n't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, would n't it?
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

Good morning, I filed a complaint with the BBB informing the company that I a victim of identity theft and the medical does not belong to me. I provided the ID Theft Report from the FTC and other documents. The BBB responded : You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. <P/>Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. <P/>If you wish to pursue the matter further, you have several options. <P/>1. You may be able to sue in the county Justice of the Peace courts, commonly referred to as Small Claims court. You will need to determine the county in which the company is located and call the county seat for more information. Or, check one of the online search engines to see if your county has a web site, which may provide helpful information on how to file a suit. 2. You may consider hiring an attorney to assist you. If you do not have an attorney, you may call the XXXX XXXX XXXX XXXX XXXX at XXXX for assistance. XXXX. If the company requires a state license from a state agency, you may be able to file a complaint with that agency. If you do not know if a business requires a license, you can access the State of Texas web site State Agency link at XXXX XXXX XXXX to inquire.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I held a spousal ( second ) card a Bank of America credit card last year with an account ending in XXXX. On XX/XX/XXXX my wife and together visited a Bank of America financial center branch in XXXX, MN. Our goal was to change my status from mere second cardholder to a fully-authorized co-holder so I could use Bank of Americas web portal to download rewards airline points earned ; I had been denied access when attempting that task a month prior. XXXX XXXX XXXX served us behind a counter as relationship banker that day, her business card below. Upon learning the details of our request she said that such a credit card status change was not possible and insisted we close XXXX and open a new one. I found it odd at the time, it seemed a simple technical matter to me. I inquired if the large amount of points we had accrued that year would seamlessly transition to a new account. She checked with her supervisor who was on site that morning and he said, yes indeed. So my wife and I went down that path that day, which was rather lengthy ; later we were sent new account cards ending in XXXX with co-equal status as requested. What did not ever happen was the transfer of airline rewards points from one account to the other. I made phone inquiries about his matter on XX/XX/XXXX ( with XXXX ), XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX, XXXX XXXX ), XX/XX/XXXX, ( XXXX ), and today, XX/XX/XXXX ( XXXX ), to resolve the matter of my XXXX lost points. Case numbers were assigned by the seven Bank of American customer services agents named above ( XXXX, XXXX ) with promises for resolution based on further research. Whenever I phoned I asked if the agent could review case notes but adequate notes were never entered they said ; ultimately the answer was always " no. '' I view the whole matter now, a year in hindsight, to be a scam of the sort appearing in the press last year pertaining to similar serial transgressions by XXXX XXXX. We were effectively coerced into opening a new account that then wiped out {$33000.00} of charges accrued into points. We were given busy work of a new card application with only liabilities accruing. XXXX XXXX, her XX/XX/XXXX supervisor, and Bank of America as a corporation all should be ashamed of themselves. I suggest they be investigated and, if appropriate, be fined, fired, or both.
Consumer complaint received 2017-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (VA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX To Whom It May Concern, I am writing this letter to bring to your attention the failure of Pentagon Federal Credit Union ( PenFed ) to pay out on a gap insurance policy on a vehicle loan I purchased from them when obtaining that loan in XXXX 2016 for a XXXX XXXX van. This issue with PenFed has been on-gong since XXXX, 2016 without either contact from, or any attempts to resolve. <P/>In XXXX of 2016, this vehicle was vandalized while parked where I had been staying for the evening. In XXXX of 2016, the van was vandalized a second time, much more extensively, while parked at my residence, rendering it completely non-functional and inoperable. The van was taken to a salvage yard in XXXX XXXX, and a police report was filed. <P/>Shortly after, I delivered the paperwork from the salvage yard to XXXX XXXX, Senior Manager at the XXXX branch of Pentagon Federal. This was when the real problems began. I was given the phone number to PenFeds third-party insurance provider, whom I called and provided with all the relevant information. I had not been told at the time of purchase that the insurance was not offered through PenFed itself. <P/>What I have experienced since then has been a never-ending chain of deferrals, voice mails, un-returned phone calls, and threatening notices of default sent to the vehicles co-signer. I have opened a case with PenFeds third-party provider not once, but three times, each time to find out that my case information later disappeared, unable to be found, whereupon I am told my only recourse is to begin the process again. No one from PenFed has ever personally reached out to me or responded to any of my complaints, despite receiving them in writing. And again, the case files with their third-party provider keep vanishing. <P/>In short, PenFed is refusing to pay out the gap insurance policy which I purchased at the time of the loan and was led to believe I was purchasing from them. They are refusing in spite of my having provided them with ample evidence that the vehicle is totaled and inoperable due to no fault of my own. <P/>PenFeds ongoing refusal to honor the gap insurance policy which I purchased from them has caused me financial hardship. Unable to use the van, and faced with PenFeds unwillingness to pay out on the policy which they sold me, I became unable to continue working. <P/>Please take action. <P/>Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have received multiple letters from Jefferson Capital Systems stating they are attempting to collect a debt for XXXX XXXX. I have made several attempts to contact the company to inform them the account is not mine and was opened with my stole personal information. My credit report states the account was originally reported on XXXX XXXX, 2017 in the amount of {$620.00} and I have had a different cellular phone carrier for over 5 years. I have also emailed the company filing a complaint with them so that they can send some kind of verification that the account was actually opened by myself but again no response has been sent from the company.
Consumer complaint received 2017-05-26
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. (NY)

I have opened a case with the  XXXX  major credit bureau about  XXXX  credit card being aged & on my report for more t han 7.5 ye ars. All credit bureaus with the exception of Equifax have removed it from my credit profile but under FCRA it states " consumers reporting agencies  may not report outdated negative information. '' I received a copy  of my credit report from Equifax and they are the only credit bureau who has the date of last payment wrong. So either  XXXX  credit card have a discrepancy with Equifax or Equifax has the data wrong and by law it needs to be removed immediately. I will file a law suit with Equifax and  XXXX  but I 'm bringing it to the attention of the Attorney General & CFPB for help in getting Equifax to abide by the law.
Consumer complaint received 2017-07-11
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. (CT)

I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over 800 to mid 600s. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, Equifax and XXXX to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I am trying to close my Webster bank account. It had {$10000.00} in it. I transferred the {$10000.00} out and the transfer finalized on XX/XX/XXXX. There was {$0.00} left in the account. Once I confirmed the transfer went through on XX/XX/XXXX I requested the account to be closed. However, on XX/XX/XXXX they charged me with a {$21.00} monthly maintenance fee because I had less than {$10000.00} average daily balance for my statement closing on XX/XX/XXXX. Now Webster is telling me they ca n't close the account cause there is a negative balance. I simply transferred the money out of the account with the intention of closing the account once the transfer was finalized. Tried calling up two times and they refuse to waive the fee or  close the account since it 's negative. <P/>This is a round about way of charging me a fee to close my account. Very wrong. Asked to speak to a supervisor, said there are none available. <P/>Please help!
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.