davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
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. (PA)

I have a US Bankruptcy being reported against my Social Security number on my Transunion report. On XXXX XXXX, XXXX I in fact called the Office of the Clerk of the Bankruptcy Court in XXXX, Pennsylvania where TransUnion is stating this information is being reported to them from. 
I was informed at that time that the US Bankruptcy Court for the XXXX District of Pennsylvania Does NOT provide information regarding case filings or dispositions to the credit reporting agencies. Bankruptcies are public records and the credit agencies have 3rd parties collect this information for them. 
After speaking to a customer service speacialist today, XXXX/XXXX/XXXX, XXXX. I in fact was finally admitted the truth that TransUnion does indeed use XXXX XXXX to obtain this information. XXXX XXXX is a " for-profit '' company that sells the information to the credit bureaus, all calls to Transunion are recorded and this call and information can be retrieved by either you, the CFPB, The Attorney Generals Office, or my own personal attorney if need be. The phone call happened between XXXXXXXX XXXX through XXXXXXXX XXXX. This is a serious violation of the FCRA to report false information. By reporting the information on my credit report as getting it from the court itself, when it was actually obtained from an " unnamed '' XXXX XXXX, is easily considered " false information '' on my credit report. 
Furthermore, when I last disputed this with Transunion, they went as so far to send a letter back stating that they did " veryify '' the information with the court! Again, this is a complete and blatant lie. I am very well aware that Transunion uses XXXX ( online solution for complete and accurate reporting ) that automatically checks with XXXX XXXXs. Its very hard for XXXX XXXX to verify my information when I have had a security freeze placed on them since XXXX XXXX, XXXX. 
Lastly, It is very compelling to me, other than the bold lies, why both XXXX and XXXX ( the " mother '' reporting agency ) admitted their ignorance in reporting this false and remove it quickly, please see attachment, XXXX on or around XXXX XXXX, XXXX and the " mother '' credit bureau, XXXX on XXXX XXXX, XXXX yet Transunion wants to repeat its lies even though I have the proof and am willing to go to court over this issue and present a lawsuit.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

My social security number, birth date and other unique personal information is potentially at risk of being exposed. This is a consequence of the Equifax data breach that was widely reported, XXXX. I went to the FTC online link to see what precautions I should take : I froze my credit files at Equifax, XXXX and XXXX from their online sites, XXXX. 
I went to XXXX, XXXX, to secure copies of my current credit report and was able to obtain these reports from XXXX and XXXX. Equifax was unable to do this electronically directed me back to annualcreditreport site to print out an Annual Credit Report Request Form to mail it to the XXXX XXXX XXXX XXXX in XXXX. I completed the form, XXXX, with my unique personal identifying data and mailed it off certified mail, return receipt. 

Frankly, this is XXXX Equifax but my personal data at risk for exposure. They provided a website to identify those at risk along with a scam offer. That really does nothing more than make them some money, yet providing no long term help for those exposed. The other credit reporting agencies provided reports instantly upon request, but Equifax could n't. Honestly, this is really poor XXXX XXXX XXXX from Equifax. 

Perhaps the CFPB next project should be Equifax?
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

I called the bank BBVA compass who holds my mortgage to inquire on the amount for me to pay o my principle to be able to cancel my payment mortgage insurance. The bank refused to provide me with that information. They also refused to give me information on how to calculate the payoff amount for me to get to 80 % loan to value ratio.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (NY)

This complaint is regarding the massive information breach at Equifax that was announced on XXXX XXXX, 2017. Equifax has mishandled my information which led to a myself and millions of other individuals to be at risk for identity theft. I was not notified about this breach by Equifax and found out through the social media platform XXXX. 

The 90 day fraud alert and 2 year identity protection that Equifax is offering in response to this is unacceptable. This breach puts my information within the reach of unauthorized parties for the rest of my life and for as long as my heirs are responsible for my finances. To only offer 2 year protection and expect me to pay for their mistakes is extremely wrong, especially when I have never chosen to do business with this company personally. I will likely also end up freezing my credit score as a safety precaution which will cost me {$5.00} per institution to unfreeze and another {$5.00} to re-freeze. I should not need to provide a police report to waive these fees when Equifax has proof they lost my information. 

This incident is the result of a gross misuse of private information and there need to be heavy penalties as a result.
Consumer complaint received 2017-08-10
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: Experian Information Solutions Inc. (GA)

I have reached out and disputed with XXXX, XXXX, and experian about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, REGIONAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (IL)

Equifax announced in earlyXX/XX/XXXX of a data breach/hack, involving my SSN, credit card # s, addresses, etc. This will affect me and my wife ( who was also hacked ) our entire lives. Equifax offered 1 year of credit alert protection - this is not equitable. My information is out there and will be out there for the rest of time due to this.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have had a Capital one /Saks store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that Capital one /Saks are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.
Consumer complaint received 2017-09-11
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. (NY)

XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.
Consumer complaint received 2017-09-11
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. (NY)

XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RD Fuller Company, LLC (MD)

I enrolled a debt from XXXX XXXX into a debt consolidation company ( XXXX XXXX XXXX, XXXX ). The debt is almost paid off and my XXXX payment is {$19.00}. I received a call from XXXX XXXX XXXX today, XX/XX/XXXX stating that they reached out to the debtor who was originally XXXX ( previously at XXXX XXXX XXXX ) to get the final payoff amount for my last payment and they were told they do n't have my case anymore and it was sent to XXXX XXXX and that I, the customer had to call as they would not release information to my debt consolidation company. This debt has been getting paid through XXXX XXXX XXXX since XX/XX/XXXX. I called XXXX XXXX XXXX at XXXX XXXX. at XX/XX/XXXX spoke to XXXX. XXXX stated that the account went back to XXXX XXXX on XX/XX/XXXX. I was told to call XXXX XXXX, XXXX ; reference # XXXX When I called XXXX XXXX, the recording says XXXX XXXX ; spoke to XXXX at XXXX XXXX and told me that the account was sold back to RD Fuller RD Fuller XXXX I called RD Fuller and spoke to XXXX at XXXX XXXX. at XX/XX/XXXX I told him what property I lived at and the state as requested for the property I was in debt to. I told him that my account was in debt consolidation and I 'm trying to find out my balance. The first thing XXXX asked me was if I had a problem paying and if I had a job. After I said, " excuse me, '' XXXX then put me on hold. Then I was told that the account is closed due to timing and age of account. I was then instructed to call back in a week if I do not hear anything back from them and to speak to XXXX XXXX. XXXX told me that my account balance was {$1900.00}. I received an email from XXXX XXXX at XXXX corporate office that stated in XX/XX/XXXX that my balance upon move out was {$1500.00}. As of XX/XX/XXXX, my balance owed was {$410.00}. XXXX XXXX sends {$50.00} a month to this debtor after the XXXX of each month. {$50.00} a month through XX/XX/XXXX pays down the balance to {$19.00}. I want my account paid off in full and trying to get my letter of satisfactory so I can rent an apartment elsewhere.
Consumer complaint received 2017-09-11
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (RI)

We received a conditional approval to close on a short sale and have been trying to get the okay to close for 3 weeks. The bank is not accepting documents they  requested, as Title Commitment, Municipal Lien Certificate, and final water bill as proof of what is outstanding on the property at the time of closing. I had to put notes all over the title commitment to show that everything they required is in this document. I have a months worth of emails to prove they are deliberately stalling this short sale closing, so they can foreclosure on the property and not pay out on the file they conditionally approved. We have provided everything required and requested by law and by the bank and they do not want to accept or honor the laws of the state of RI that this property is located in. It was apparent that these documents were not even reviewed. I had to go around the short sale department to the Tax Department because they said the MLC was n't sufficient in showing that 2017 taxes have n't been paid. they did this for weeks until i contacted the tax department and they sent the short sale department the same MLC that i submitted 3 weeks prior and confirmed that 2017 taxes have not been paid. this should have cleared things up for closing but the short sale department is still saying they need an invoice which was provided by our office and by their own tax department.I have the email chains as well, proving my complaint is substantial and these private lenders and private investors need to have guidelines on them so they ca n't do what ever they want to our clients and to consumers.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Starting XXXX XXXX, XXXX, the three major credit reporting companies - XXXX, Experian and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my Experian credit report.
Consumer complaint received 2017-09-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: MARINER FINANCE, LLC (NC)

I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo charged us excessive interest, by a misleading process where there was a payment delay - by Wells Fargo ; Wells intentionally takes up to 2 billing cycles to process the initial payment, putting the consumer behind in payments.
We bought an engagement ring at a local jeweler, about {$1500.00} worth, and used our new Wells card to pay for it. 

The program they offer is called " Jewelry Advantage ''. It is a XXXX card, dedicated to one Jewelry store. We opened such an account. They advertise that if you pay off the charge within 6 months, there is no interest. However, we ran over by 1 month, through no fault of our own - so they charged us interest. 

It sounds simple but Wells has set this up in an extremely deceptive way. They ask for your routing and account numbers, so they can 'pull ' the payments in an automated way. 

Here is the problem : they take up to XXXXWO FULL BILLING CYCLES to pull the first payment. This puts the consumer behind - potentially right from their first payment!
What is worse, is we did in fact notice we were behind ; we called Wells Fargo, the rep said he would fix it ; by taking a payment right then on the phone, and then the payments would 'sync up ' and we would be fine. We did exactly as he said, but we still ran over - it never sync 'd up.
Obviously the consumer can check over and over ... but when you deal with a bank as big as Wells Fargo, you want to have some trust. There is no reason to take up to two full billing cycles to pull an EFT payment. Everyone deals with EFT. It can be fully transacted within 4 days, sometimes as fast as 2 days. 

Our interaction with Wells - which was extensive, including several senior ( VP ) people - gives me the very strong impression that this design is intentional. They want the consumer to fall behind, so they can collect more interest.
Wells Fargo has found yet one more way to fraudulently collect excessive interest from consumers.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (FL)

I want to open an Virtual Wallet checking account in PNC but they did n't allow because their system shows that there is a Fair Credit Reporting Act in my consumer report. So I called XXXX XXXX and got my consumer report but it only shows basic information of my previous account in XXXX. The report does n't contain anything wrong with my personal credit. Then I went to the XXXX XXXX XXXX to check if there are something wrong with my previous account and they told me I do successfully closed that account 5 years ago as well as did n't owe any money. Now I went to PNC again and they were still not allow me to open a new account since their system has such a " Fair Credit Reporting Act ''. I am really confused and could you give me the reason why I ca n't open a checking account in PNC. Thank you!
Consumer complaint received 2017-09-11
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. (TX)

Sent certified letters to TransUnion XXXX regarding validation of debts received and signed for on XXXX/XXXX/XXXX @ XXXX as well as another certified letter on XXXX/XXXX/XXXX @ XXXX. Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion. Consumer contacted Recorder of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried for 3 days to freeze my credit reports at Transunion unsuccessfully. I was able to freeze my credit with XXXX and XXXX without any issues, but am unable to do so with Transunion. I would have called them, but there is no number provided to reach them.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

I applied for a loan with XXXX XXXX XXXX and learned that multiple inquiries were listed on my record. I have not and did not authorize the companies listed below to extend credit. Please remove the inquiries identified in my file. 

XXXX XXXX XX/XX/XXXX / XXXX Account XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (MA)

Equifax collected my personal, private information, and then lost that information in a security breach due to outdated cyber-security measures. Furthermore, it took them over a month to make a public announcement about this security breach. I found out that my information was divulged through the security website set up by Equifax. They did not notify me personally. According to Equifax, the information might include my name, address, social security number, birth date, and driver 's license number. 

I and 143 million Americans are now an easy target for identity theft for the rest of our lives because Equifax collected our information and lost it due to negligence. We will have to use credit monitoring services, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen.