davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (IA)

I went in XX/XX/XXXX to close my banking accounts at the Wells Fargo in XXXX, Iowa and they never closed the account even after my person banker XXXX XXXX said he would take care of it first thing in the morning. They never closed the account and allowed reoccurring payments to go through 3 times after not closing the account and over {$150.00} in fees after that giving me a negative balance of {$180.00}. When I go in on XX/XX/XXXX after finding out just then that this had been going on because they sent no mail to my house and left me no voicemails. When I speak to a different banker she tells me that the account has been closed on XX/XX/XXXX. I ask what happened with the negative balance and she tells me I dont owe anything and that the account has been taken care of. Today, XX/XX/XXXX I go in there because they had sent me to collections with no prior notice whatsoever. They proceed to say its all my fault and that I should of went in to do their job for them basically and say theyre gon na call their resolution center to help fix the problem and that Id hear from them in 2 days. They then call me one hour later and they lie to me once again and tell me that they tried to contact me through call and voicemail multiple times and that I have to pay the full amount to collections. Why would I ignore voicemails from bankers trying to tell me my account that should of been closed has been being hit by {$150.00} of fees? Not only was XXXX XXXX incompetent and didnt know what he was doing, his branch manager was one of the most rude and disturbing people I have ever met. I really need to figure out how they can fix this without lying to me every time they speak to me. Im a hard working man and {$180.00} is a lot to me compared to a bank thats estimated to be worth XXXX XXXX dollars. It felt like I was being robbed. Every time they said they were gon na do the job I asked of them they lied. Especially claiming they called me and left me voicemails and sent me physical mail. I check my phone and mailbox everyday and I never saw anything until I open up my mail today and see a letter from the collection agency, so not even a Wells Fargo notice.
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (FL)

For over 9 months now i have been calling between the credit bureaus and GM financial to have my GM financial account reporting to the credit bureaus. GM financial has repeatedly told me it would be taken care of. Repeatedly i have had to inquire as to why it is not reporting still. Repeatedly i am told that one single.person in GM Financial deals with this. This is a person i can never be connected to. Supervisors at GM have been supposedly emailed repeatedly. I have left numerous voice messages. Three days in a row for eg i called the number i was given, 25 x, no answer except a vm. I have tried extensively to correct my credit and this issue has prevented me from getting a few health assisting loans i have greatly needed. I have flatly been informed if my auto loan was reporting i would have excellent credit
Consumer complaint received 2018-03-27
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. (FL)

This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and Equifax is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. Trans Union is showing last payment of XXXX, XXXX and XXXX is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with TransUnion via XXXX XXXX, which TU never replied to.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :
Consumer complaint received 2018-03-27
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)

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

Someone tried to cash a check fraudulently on my checking account.

My account was frozen, the check was flagged and returned. It was fully investigated. I was told by a fraud representative that my account would be available in 10 minutes. It was not, 24 hours later Im stilling trying to find out why. They wont tell me why.

I am a very low income individual. During this my paycheck was direct deposited and they took the entire paycheck and over-drafted me {$120.00}. Again, this {$700.00} was never actual. I never had any access to it.
Consumer complaint received 2019-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

In XX/XX/2019 I submitted the necessary documentation for renewal of my IBR. On XX/XX/2019 Navient sent me a letter stating it's approved and that my new payments plan will be sent to me after XX/XX/2019. ( See attached ) However, Navient has not sent me this new payment plan. 

Please have Navient send me the new payment plan as they are required to do under Federal Law.
Consumer complaint received 2018-03-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (CA)

XXXX XXXX XXXX deposited around {$400.00} into my account as a payday loan. They took out 2 payments or so from my bank which exceeded the amount that was borrowed. XXXX continued to try and take money from my bank account even after the loan was paid off because they were trying to charge extreme interest fees. I informed them that it was illegal in California and that I paid the loan in full. Now over 5 years later, I checked my credit report and see a collection account from Midwest Recovery Systems for {$780.00}. I called them to ask what is was regarding and they informed me that it was for a payday loan and they reminded me that I made 2 payments. I informed them what XXXX XXXX XXXX was trying to do is illegal in California and by their own admission I had made 2 payments on a {$400.00} loan and that is was paid off. They are still dinging my credit report over and over.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (GA)

Carter Young Inc has been reporting a debt of {$100.00} to the credit bureaus ( incorrectly listing XX/XX/XXXX are the opened date ), and I contacted them and requested notification and verification of the amount they are attempting to collect. I had not been previously notified of a debt in this amount. I received 2 emails ( XXXX XX/XX/XXXX, and XX/XX/XXXX ) from the person listed below : XXXX XXXX XXXX Carter-Young , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The emails do not have any documentation related to the amount they are reporting to the credit bureaus. There is no billing statement attached. I have not received anything else from them. 

On my credit reports, Carter-Young Inc. is reporting a. " Opened '' date of XX/XX/XXXX, but the first of 2 emails what I received from them ( which do not list any billing information ) is dated XX/XX/XXXX. How can they report that a debt has not been paid, when they never notified the person they are trying to collect from? They are damaging my credit score immensely.
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

I opened a zales account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and XXXX reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
Consumer complaint received 2018-04-18
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: DISCOVER BANK (CA)

I try reaching out to Discover credit let them know that I did not receive services company called XXXX XXXX.There was a charge like {$360.00} that I disputed twice and so Discover is saying they are not going to dispute.The company sent Discover credit card some fraudulent paper stating that all sales are final but no services were ever performed.I submitted a dispute with CFPB about this issues with XXXX  XXXX how they are making racial slurs and cursing at me over the phone.They pretty much took my money keep changing the phone numbers somewhere in the XXXX .I spoke to some name XXXX in the dispute department and she is giving me runarounds after I explained what going but keep insisting they are not going dispute the information.
Consumer complaint received 2018-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX-I believe this is a XXXX Capital One credit card originally.

XX/XX/XXXX Capital One CFO sent Certified Mail return receipt requested sent to dispute debt, no response.

XX/XX/XXXX sent second certified mail return receipt requested sent to CFO Capital One, no response.

XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO Capital One, disputing debt, no response.

Then, I filed a complaint with cfpb # XXXX, no response from your company.

I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX  has validated the debt since XX/XX/XXXX.

I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt.

I am sure this is in the records that XX/XX/XXXX has when they bought the debt second hand from Capital One.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of Equifax. The additional information submitted comes from Equifax acknowledging their egregious behavior regarding safeguarding my personal information.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This has got to stop, now we are going on month four, I have disputed the fact that TransUnion has me under XXXX XXXX XXXX XXXX ( the second ) when have you ever seen a lady be the second? I have disputed this several times and some inaccurate data listed on my personal credit file and I'm getting no where. They just ignore my request. Please help I have all the responses where nothing was done and still inaccurate data
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NY)

I am writing now in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX  ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The Client CalledXX/XX/XXXX spoke with XXXX Employee # XXXX to explain payment was made on time and accepted by loancare, but the funds were not applied to the loan resulting in 30day past due notice. 
Was told to send email with proof of payment for XX/XX/XXXX via trace number to email address XXXX XXXXor loan # XXXX ... XXXX. 
Response from LoanCare XX/XX/XXXX Reference number : XXXX ... 4X Please use this ticket number in any correspondence with us. 
Subject : Loan # XXXX ... 7 proof of payment trace number XXXX ... XX/XX/XXXX Dear Valued Customer, Thank you for contacting us. 
To research this request we would need a copy of the cashed check front & back, or the electronic transmittal form from your bank. 

The Client provided Bank Fax with payment information on XX/XX/XXXX. 
There was not a response from Loancare. 
In a call to follow up on XX/XX/XXXX, the company claimed the ticket was closed for insufficient evidence by XX/XX/XXXX. 
This seems like an unreasonable short window to provide requested feedback. 
The company, myloancare, did not reopen the ticket to continue research when requested. 
The company did not take measures to communicate properly with the client. 
The company mis-represented delinquency while accepting money. 
The company using email correspondence, and left mailing address as response in to research file # XXXX ... 4X The company mailed paperwork on XX/XX/XXXX citing lack of response from the client, and inability to contact the client. 
The company did not respond to client inputs via email or phone inquiry Client sent another email request on XX/XX/XXXX.The email was sent via the online Loancare email customer service request on website. The Client included a PDF attachment in that email. 

There was no response from Loancare as of XX/XX/XXXX. 
The PDF contains the entire written trail of events and correspondence between XX/XX/XXXX and XX/XX/XXXX The Client issued a complaint via CFPB on XX/XX/XXXX. The PDF with written trail of events was uploaded to the complaint made at CFPB on XX/XX/XXXX, citing lack of communication in light of objective evidence and written response request.
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In XX/XX/XXXX I asked that the company remove the PMI from my mortgage and the company sent a realtor over to evaluate the value of my home ... Both she and I agreed that the value has increased ... The company sent me a letter stating that I was at an LTV of XXXX value .... I called the company on 3 separate occasions to dispute the LTV an no one at the company will tell me what the estimated value is ... I had a realtor do a comparative market analysis on me home which came to XXXX ... .. I bought the home in XX/XX/XXXX for XXXX .... I now owe XXXX and the company is giving me the run around about removing my PMI ... .According to my loan terms ... the PMI is suppose to fall off at 75 % LTV .... By using simple 6th grade math anyone can see I'm at 80 % and the still won't remove the PMI .... Help please ... I hate crooks!!!!!
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

US BANK has been overcharging me on my home owner 's insurance coverage since XX/XX/XXXX for the amount of {$32.00} a month every month. This charge is billed as " overage/Shortage ''. 

This charge is billed in addition to my monthly Home owner 's insurance in amount of {$32.00}. 

My monthly insurance premium for previous year XX/XX/XXXX to XX/XX/XXXX was {$27.00}. My 12 month premium was {$320.00}. US bank mailed me a letter saying XXXX XXXX is not enough so I contacted XXXX XXXX & increased the coverage. My 12 month premium during the renewal increased to {$390.00} and I should be paying only {$32.00} a month for 12 month. But US bank has been charging me {$32.00} extra every month since XX/XX/XXXX as " Overage Shortage ''. 

I am already paying the increased rate of {$32.00} from {$27.00} so I should NOT charged extra {$32.00}. I have contacted XXXX XXXX, the insurance company and they told me they were NOT paid any more by US bank then what I have been paying US bank. I have called and spoken to US bank agents and supervisors but they have not been helpful in resolving the overcharge issue.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.