davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
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)

There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number XXXX
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MD)

Opened a new Wells Fargo account for a store specific line of credit to purchase large appliances. First statement arrived on XX/XX/XXXX with a minimum payment of {$61.00} due on XX/XX/XXXX. Made a payment of {$200.00} on the day the statement arrived.

On XX/XX/XXXX we logged in to the website to see if a new statement was available yet, and the website told us that our minimum payment of {$54.00} was past due for XX/XX/XXXX. The {$200.00} had been applied to our account on XX/XX/XXXX, taken off the balance of the account, but had not counted as a payment during the first billing cycle. 

Contacted Customer Support on XX/XX/XXXX and was told that we needed to not pay on the day the statement was available and that we should wait a couple days to make sure out payment is applied correctly. Late fee was waived on the condition that we made an additional {$54.00} payment that day.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I sent paperwork to Equifax showing fraud on an account-I fax it in to the fraud department. The packet included a FTC Fraud Affidavit and letters that were provided to me by the FTC to have the account blocked. I called and verified that Equifax received the paperwork and they stated that they are not going to block this account. but put it in for a dispute. They stated that I have to filed a police report to get it blocked. I told them that I was informed by FTC that I was not required to have a police report file and not to file a police report until I know the amount of fraudulently charged. but they stated that is the only way to they will do it. Until they get that, they will treat it as a disputed account not a fraud account, and allowing it to keep report to the credit buear as an negative/ fraudulently account. Marking the account showing in dispute-Which with that, I can do any type of banking for my business. 
The rep stating, because I opened the account, it was not fraud. I did open the account but I have charges on the account that are fraudulently and the lender refuse to provide me any paperwork regarding these charges. I have filed all of the paperwork required. I have even filed a complaint with the CFPB regarding the company that is reporting on my credit report. 

What is the point of doing all the steps necessary for blocking a fraud account on the credit, if the credit reporting companies are not going to follow it. I was told about the fraud paperwork from XXXX and XXXX XXXX-Equifax stated all I could do is file a dispute and wait 30 days. Why is equifax not following any of the fair credit reporting rules?
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

TFS reported incorrect information to Credit Bureaus. I have contacted TFS in XX/XX/2018 regarding incorrect late markers on my account. It took TFS more than two month and multiple communications to fix the problem. During that period TFS reported additional incorrect information to Credit Bureaus of two additional credit markers, one for XX/XX/2018 and another for XX/XX/2018. The car was sold in XX/XX/2018. These additional  incorrect negative credit markers negatively affected my credit history and resulted in credit line decrease for my XXXX credit card. I was on the market for a mortgage and it is also affected my ability to receive good rates. It was a stressful experience. I have attached XXXX  report which show additional incorrect credit markers on my report.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, my home was approved for a short sale ; the sale was completed on XX/XX/XXXX. In XXXX of XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed. 

I spoke with XXXX  XXXX XXXX, who said they couldn't correct the error because I was no longer a customer. 

I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from XXXX XXXX XXXX stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.
Consumer complaint received 2018-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I filed three complaints. Wells Fargo is the original service provide on my FHA loan. I fell behind and the foreclosure process began. My FHA loan was sold to XXXX. I completed a loan modification with XXXX. The foreclosure process was never stopped by Wells Fargo. Each complain Wells Fargo says they stopped the foreclosure process. However I recently received notification the process was stopped by Wells Fargo just a few day ago. 

In the pending complaint Wells Fargo stated they have not reached me. I spoke at length with their representative on XX/XX/XXXX. She provided me with the attorney who process their foreclosure. The attorney is listed on the notification with Wells Fargo. 

I attached the legal notice.
Consumer complaint received 2018-09-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VEROS CREDIT, LLC. (FL)

XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Im XX/XX/XXXX to XX/XX/XXXX I have a few late payments with CapitolOne due to change of employment & taking care of my sick grandmother, Ive contacted them to remove the charge off & late payments but they refuse & being non compliant, Ive also settled in the account so there shouldnt be any reason why they shouldnt remove it.
Consumer complaint received 2018-09-11
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. (GA)

Equifax has made false allegations, and caused me a great disservice ... the erroneous negative reporting is affecting my life, and now they are stating that they will not provide an answer through the cfpb 's portal, because I may be using a credit repair company or clinic ... I am not, but even if I was it is at my discretion, and it is my right ... 
Can they just abide by the F.C.R.A. and act accordingly? 

this is an unjust tactic or measure they use often according to other consumers ... I want the items removed and an apology for the false claims ... litigation may follow indeed ... 

These accounts were settled with the original creditors, and no contracts exist with collection agencies and no validation has been provided, because it does not exist, and creditors have been contacted ... and I am yet to even receive the false investigation from Equifax ... 

XXXX XXXX {$82.00} XXXX XXXX {$75.00} XXXX XXXX XXXX  XXXX {$1400.00} charge-off
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX I applied for a credit card at a local veterinary hospital. I was denied. I received a letter from the inquiring bank telling me why I was turned down. 
Reasons given by bank from information from Trans Union : - Serious delq and public record or collection filed - Too few accounts rated current - % of balances to high credit on revolving accts - Number of accounts delinquent - Credit score : XXXX From XXXX XXXX : - Credit card use High - Payment History Stellar - Derogatory Remarks XXXX Bankruptcy - Credit age I am a veteran - Total Accounts Solid number of accounts - Credit score : XXXX There is a discrepancy between the two reports and I would like to know why. 

Thank you,,,,
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (HI)

Made payment on my credit card. Barclays Bank web site shows payment posted today, XX/XX/2018. Tried to use my card. Denied twice. Viewing the Barclays Card Hawaiian Airlines Mastercard website the summary of my account (  screenshot enclosed below ) shows Credit Line {$500.00}, Current Balance {$120.00}, Available Credit {$0.00}. The amounts Credit Line less Current Balance NEVER equal Available Credit. There is NO explanation on the website why the math is inaccurate. Called customer service at XXXX XXXX HST and spoke with Barclays Card Hawaiian Airlines Mastercard Representative XXXX. XXXX told me that even when funds are received by Barclays Bank they may take up to two business days for funds to be avaiable as Available Credit in the account. Multiplied across the millions of Barclay 's Bank Hawaiian Airlines Mastercard clients this 'holding ' or 'float ' represents  millions of dollars of customer 's money received by Barclays Bank XXXX and held by Barclays Bank XXXX If this practice is not ILLEGAL it should be. In our current day of electronic transfer there is no excuse to hold customers money. Highly unethical and fraudulent. Do investigate this practice which has been going on for 3 years with my account ( and very likely all Barclay Bank accounts ).
Consumer complaint received 2024-08-28
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2018, I received 2 letters from Bank of America closing the 2 Rewards credit cards I had with them. I have had a credit  card with them for probably about 15 years and pay off my bill every month.The reason given : " Irregular authorized user activity on one or more of your accounts. '' They also ran my credit score which is XXXX. 
When I called them on XX/XX/2018, after being on hold for over an hour and passed around to another department, this is what I found out. ( Dealt with someone named XXXX XXXX ). He said that three people were added onto my credit card ( s ), in XX/XX/2018 : XXXX XXXX, XXXX XXXX, XXXX XXXX. They did this by somehow pretending to call from my home phone ( which is the phone the credit cards are tied to ). I do not know any of these people nor has anyone been inside my house by themselves over this time period. The B of A person could not or would not tell me what other personal information B of A asked for in order to allow this. I was shocked : 1. ) B of A closed my credit cards with no fraud alert or warning ( I monitor one of the cards online ; the other one is not set up online but I monitor the paper bills every month ) 2. ) It took B of A 8 months to inform me 3. ) I monitor credit card charges and nothing suspicious has come up. 4 ) I  have close to XXXX cash back points on one card and probably about 1600 on the other card. B of A said there was no way to give me these points now. This is a considerable sum of money owed to me. I have one more credit card bill to pay for about {$140.00} by the end of XXXX and I can't even use the points for that?
Consumer complaint received 2018-04-09
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. (KY)

According to XXXX XXXX XXXX, I signed up for e-billing at the end of XX/XX/XXXX. I stopped getting statements from them and just had no idea I wasn't getting statements or that I was not paying on my account. XX/XX/XXXX and XX/XX/XXXX were delinquent, but I had not received any billing for this. I had made on-time payments each and every month since XX/XX/XXXX, when I became a card member XXXX, reported that I was 60, days late to the credit agencies. This is a huge problem because I do pay my bills on time. It has adversely affected my credit score, which insurance companies, banks, etc, look at. 
This misrepresentation has affected my credit score and my ability to get correct and fair rates for insurance, loans { I've already been turned down for a loan }, and future financial actions. This information, as deceptive as it may be, will be on my credit file for up to seven years, and all because  XXXX, says I signed up for e-billing. XXXX, should have made sure I authorized this action. XXXX, says they sent me an email. I explained to them that I am a XXXX y/o person with over 50 thousand unread emails. I would never sign up for e-billing. XXXX, says they sent an email to my account and that was sufficient according to them. I told them that of course they would like everyone to do e-billing so they wouldn't have to send out bills ; think of the money they would save!! 
I wrote XXXX, on XX/XX/XXXX. I then wrote the XXXX concerning this problem. I will try to attach the letters. I received a phone call on XX/XX/XXXX or XX/XX/XXXX from a young lady stating that she would investigate my case, probably because I wrote the XXXX. 
THE BOTTOM LINE IS : XXXX, is acting in a deceptive way. This is just one more example of this companies deceptive practices. I've read about all the different law suits and how their paying out millions of dollars. I'm not asking for money, I want them to repair the damage they have done to my credit file and they need to be forced to have better practices concerning alleged authorization. When money, credit files and business practices are involved, they need to be sure of what is going on. They need to get final authorization from the card holder BEFORE any changes are made to their accounts
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MN)

On XX/XX/2018 Nelnet reported my account 90 day delinquent. On XX/XX/2018 I made a payment of what I could at the time of XXXX. This payment was not for the full amount but this is the only amount I could afford at the time. Now my credit score has dropped significantly And its affecting my ability to provide housing for my children. I asked Nelnet if they could remove this 90 day late delinquent status and they said they are not able to do that. This is my absolute first time being 90 day late on the payment I honestly dont feel that I was totally late because of my payment I submitted XX/XX/XXXX. I would like this to be removed from all credit reports.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC (CA)

XXXX XXXX XXXX. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

My current student loan balance on statement dated XX/XX/18 ( payment due date of XX/XX/18 ) was : {$39000.00}. My monthly auto drafted payment totals {$350.00} and the total interest that accrues is month is {$160.00}. After my payment of {$350.00} deducted on XX/XX/18, I receive an email about a week later stating that my new billing statement is ready. Upon reviewing my new statement, dated XX/XX/18, I see that my current balance is now : {$39000.00} ... a decrease of only {$110.00}. I am paying {$350.00} a month for my balance to only decrease by {$110.00}! This does not add up if my monthly increase is {$160.00}. Where is the remaining {$76.00} going? None of the customer services reps will kindly take the time to explain this to me. They talk to me as if Im uneducated and try to rush me off the phone. Im extremely fed up that I work extremely hard only to be stuck with student loans they never decrease. Please help me in resolving this issue, Im exhausted.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

My daughter and myself notified the bank of the unauthorized withdrawals more than once. When the bank confirmed who did the withdrawals of most of my Social Security retirement benefits, my daughter submitted a complaint here. The bank responded but did not issue the funds back to me. The CFPB closed the complaint without asking me if it had been resolved or not with the bank. It states clearly on the Social Security website that the only person other than the person who owns the account, who can access the funds is a representative payee. I don't have a representative payee. The bank should issue the stolen money back to me as I am in poor health and need that money for my expenses. It states on the FDIC and Federal Reserve site that the bank has to refund the money while doing it's investigation. I never authorized XXXX XXXX XXXX to withdraw all my money for 3 months in a row and she is also using a fraudulent POA of finances. She was forced to resign as trustee of my trust and has no authority given by me.Even if she was POA of my finances, which she isn't, the SSA doesn't allow anyone but payee reps appointed by them to do anything with the funds. I need my Social Security money back that the bank had no right to let another person withdraw. Retirement direct deposit accounts are supposed to have a high level of security to protect people like myself and the bank is without any doubt what so ever responsible for the withdrawals that were not supposed to go to anyone but myself or a payee representative. They can sue the trustee for the withdrawn funds and get restitution because the trustee is a professional fiduciary ( hard to believe ) and is also bonded. I need my money that the bank should have never given to anyone other than the account holder which is myself. The total is between 6000-8000 and can help pay for some of my much needed medical supplies. Thank you.