davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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. (CA)

After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

This is a response to a closed CFPB Complaint XXXX with American Express. XXXX XXXX for American Express Customer Advocate Services Team answered my complaint and provided letters and other documents. In a XX/XX/2021 letter from American Express " Based on your credit report, you are or have been past due with other creditors. '' American Express response is troubling due to the fact I have no past due accounts with creditors. My profession is XXXX XXXX XXXX and I am updated every day by XXXX and I have yet to receive an alert about a past due account. American Express claim is bogus and a blatant lie that was caught by me during the complaint process. Since American Express closure of my account I have been approved for a {$93000.00} car loan and {$20000.00} credit card. Being past due with creditors does not allow me this luxury. Shame on American Express.
Consumer complaint received 2021-07-19
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: WELLS FARGO & COMPANY (MO)

I received an offer from Wells Fargo via email on XX/XX/2021 which offered 10 % bonus rewards on my first purchase at a grocery store and first purchase at a gas station on or before XX/XX/2021. I have two credit cards with Wells Fargo and the offer was shown for both cards on the rewards website. I received the bonus rewards for the first qualifying purchases on each card but not the second purchases. I have contacted Wells Fargo multiple times, and also submitted a complaint through the better business bureau, the response I received led me to think that the complaint wasn't actually read because the transaction that I was referencing were not the transaction that they mentioned. I made a purchase at XXXX XXXX XXXX XXXX XXXX MO on XX/XX/2021 for {$130.00} using my Propel card which should have earned 1320 bonus points. I also made a purchase using my Cash Wise card at XXXX XXXX # XXXX XXXX MO {$220.00} on XX/XX/2021 which should have earned {$22.00} bonus cash back.
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IN)

Decieved by the one I loved and Trusted. 
Property owner since XXXX all updated ( {$55000.00} ), savings aprx {$15000.00} ; working ; Retirement, Stocks purchased XXXX ; vehicle ; no mortgages or loans. Married XXXX adding spouse to all. Became XXXX XXXX. Spouse handled took over all, including handing me an allowance. Spouse informed me stocks we're ate up in the system. I talked to bank to get info and was there was response from them. Now divorced XX/XX/XXXX. 6 months ago doing a transaction over due by exspouse I mentioned to the Financial Advisor about the stocks. He told me my exspouse had them in his personal account! There were more than these stocks that we're joint I have no access to. And recently found W2 a Severance pay from XXXX my employer. I never knew about. 
Discovered was 3 mortgages. I knew of only 1, but signature is on all. There is no account of what he did with this money. It was not used towards the property. I have found at least 5 revolving credit accounts that had contained my name ( bank would not cooperate ) and removed during separation. His personal broker works in the same bank as the Financial Advisor I Spoke with just a 6 months ago. ( He seemed very upset with this Broker ) I did find IRA 's, Retirement Funds, 401K 's, Stocks, Annuities and etc. 
I do not know the extent of all he has done other than abuse. All I had through my employer was used during marriage. 
He received all property and I received 15 % not counting what he has not shown at this bank/banks. I am XXXX, XXXX. At no time were my XXXX were ever mentioned due to neglegence. 
Please advise.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There is Several different ways that I am listed on all three credit Bureau. I would like this corrected. So to clarify my name, it should be XXXX XXXX XXXX DOB XX/XX/XXXX and address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am recently divorced and my maiden name has been granted back to me in my divorce decree. If the other personal info can be removed. This would be appreciated
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In a letter dated XX/XX/2018 it reads that I did not make a payment in XX/XX/2018. 
I have never missed a payment to Select Portfolio Servicing at any time and I will attach proof of payment. I have also contacted XXXX XXXX. They are immediately sending me documentation that I will forward to your company. 
I do not know why Select Portfolio Servicing would document this error and would like a correction letter send to me and my account made to reflect that I have not missed any payments to your company. 
This is a very serious matter to me and I am once again being pushed into a negative account status through errors created by a Mortgage Company ; that then tries to force negative repercussions to those errors, such as Default etc. 
I have attached payments made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 along with the receipts so there is no error.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (NC)

In sent in a lump sum payment of {$26000.00} by US Mail on a bank check in XX/XX/XXXXXXXX  It was applied as a series of future payments. I sent in another lumpsum payment of {$3300.00} it was applied as a series off future payments even though the letter with the check stated principal payment. I asked for corrections. On the day I asked for corrections the last 2 transactions on line were in reverse order in the transaction activity making it appear that the the balance had increased instead of decreased. This is what initiated my investigation. I called and several case numbers were opened : I was sent some data and I received a call back saying some things were in process. 
Last contact before today was with XXXX on XX/XX/XXXX and possibly on XX/XX/XXXX ( I think that was her call back just saying corrections were still in process. 
Today 's contact was with XXXX in XXXX Ohio She is mailing me an amortization schedule and the payment history to show allocation of payments. I can not look at the online data to see how payments are now allocated. Noone called me to tell me what case numbers were addressed. 
Case number for amortization schedule request by phone to XXXX today is : XXXX Case number for payment history : XXXX I am using US Mail because I do not want to use their external secure mail system.
Consumer complaint received 2019-01-17
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. (MO)

All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to XXXX  I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people  do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You
Consumer complaint received 2019-11-06
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: FORD MOTOR CREDIT CO. (NV)

Ford is on my credit report and it should not be. This was not my loan. I have tried to get this taken care of by multiple disputes with the credit bureaus and directly to Ford. I don't know why this is still there. I have tried over and over and over again to get it removed and it stopping me from moving on in my life. 
Help me please
Consumer complaint received 2019-02-22
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. (MO)

With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX  {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Consumer complaint received 2019-01-17
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. (TX)

Requested from XXXX accounts Resolutions exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
Consumer complaint received 2019-02-22
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: EQUIFAX, INC. (MO)

I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXXl ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I, XXXX XXXX XXXX was contacted by Transunion and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by Transunion. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different XXXX XXXX XXXX  Credit Card accounts. One XXXX   XXXX XXXX  Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent XXXX XXXX XXXX   Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of XXXX. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IA)

On XX/XX/XXXX I sent {$400.00} to my mother via American Express Blue Bird prepaid card. She wasn't a customer at that time, but upon receipt of an email, she followed the directions and set up an account. She input her PO Box and her physical address. 

We patiently waited for her card to arrive. To this day, it never did. About a week ago, I tried to contact the Blue Bird customer service number, but couldn't speak to a live person through any prompts to have this issue resolved. Today, XX/XX/XXXX I finally had to create a XXXX account to ask @ XXXX. They told me to call and not put in any account information and push 0 until I got a live rep. So I did this, with my mother on the line with me. They refused to send the money back to my account, stating that the money had 'already been accepted '. They offered to express mail a new card for a {$20.00} fee. When we stated that we would not do that, they stated that they would send a new one. The problem with this is that her physical address is listed as her mailing address as apparently they ' can not mail to a PO Box '. My mother has no other address to use. ALSO, she can not update her address without the card number being activated. I have tried to get them to place the funds back into my account, but they refuse. They told us to have her sign on and transfer the money back to my account, but guess what?? You can't transfer funds unless you have activated the card. 

I want my money back and they won't give it to me. Please help!
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third Bank does not have an effective compliance management system. In it's Supervision and Examination Manual, the CFPB expressly defines an institutions consumer complaint resolution process as a principal component necessary in establishing an effective compliance management system. Fifth Third Bank specifically does not have a clear and transparent publication of its consumer complaint management program to the public through its public website : 53.com. A search for " complaint '' in it's search box on the website does not yield any form of online ability to submit a complaint or how complaints work at 53.com. A search of the site map for the website also yields no clear and transparent publication of a consumer complaint program. Financial institutions should all have publicly available online forms to submit complaints which 53.com does not even address.
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

Upon ordering my Credit Report in XX/XX/XXXX, I noticed a Closed Chase Credit Card with a balance of {$3300.00} that I did not recognize. I immediately called Chase on XX/XX/XXXX and spoke with service rep XXXX XXXX. I asked her for more details on the account and advised her that this was a fraudulent account. I then asked her to please send me proof that this account belonged to me along with the original signed application in order for me to show that it was not me who opened this account. I further hoped that the application may provide clues to who may have. 

On XX/XX/XXXX I received a letter from Chase stating that they no longer had the requested information. I have attached that letter. On XX/XX/XXXX, I requested to open a fraud claim with XXXX XXXX. On XX/XX/XXXX, I made a follow up call and spoke with rep XXXX who told me that the previous rep did not open a claim as I requested. She told me she would do it at that time. 

To ensure that my claim was submitted, I also submitted a written request along with an identity theft report to Chase on XX/XX/XXXX. On XX/XX/XXXX I received a response from Chase only stating that they had verified this was my account but did not provide me with any signed documentation as proof that I opened this account. 

I attest that this is a fraudulent account and I would like it removed from my records immediately. 

Please note that a fraudulent account was attempted recently at XXXX XXXX XXXX which caused my initial inquiry into my credit report. XXXX  XXXX XXXX was able to immediately rectify the situation and a fraud alert was placed with XXXX, XXXX  and XXXX.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My medical provider XXXX XXXX XXXX in XXXX billed the wrong insurance company. Upon my visit I provided the correct card " before '' entering, they made the usual copy and thought all was good. Around 12 to 18 months later we get a bill and it stated the insured wasn't covered which was true because I know longer worked for the same company. I called XXXX, reminding them that they used the wrong group ID and member number and once again I gave them the same card information as stated above with the " correct '' insurance and member ID. They continued to send bills with the incorrect insurance company, this went on for months and we tried to resolve this. I offered to pay what the negotiated amount would have been ( once insurance adjusted their fees ) which would have been 10 % or so from our plan. They turned this over to a collection company XXXX XXXX XXXX. After the second call with them, they accepted my explanation and said I would not hear from them anymore however the damage has been done because they but a derogatory mark on my credit rating which stood at XXXX for over a decade done to the 630 area. I tried to resolve this with TransUnion and XXXX   with no resolution and for the first time I have to turn to CFPB for some help in getting this resolved.
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MO)

On XX/XX/XXXX I opened a dispute with XXXX over two payments with Mohela back in XX/XX/XXXX. The dispute was updated on XX/XX/XXXX and I had initially missed what they had reported because I looked at my open loans for results and they had updated one of the loans and it looked fine. On XX/XX/XXXX I applied for a mortgage, when my lender gave me my report I realized that Mohela had completely changed the information on my loan. My loan is active and in good standing but is showing as refinanced in XX/XX/XXXX with a delinquent payment history. My loan origination date has also been changed from XX/XX/XXXX to XX/XX/XXXX and the beginning balance is inaccurate. Later that day I called Mohela three separate times trying to straighten it out and they just keep telling me they never reported that information. I repeatedly told them that I was looking at a copy of my credit report from that day and the information had been reported by them and needed to be corrected because it is preventing me from buying a home, they claim it must be the credit bureaus fault.
Consumer complaint received 2018-06-15
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. (GA)

Transunion and XXXX  refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...
Consumer complaint received 2018-06-15
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. (GA)

Transunion and XXXX refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...