davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have not been getting my statement and when I asked for one to be re mail to me. I saw charges at a kohl 's in TX and XXXX XXXX XXXX. I call and wrote in because they would not remove the charges. When I was going to pay the statement I asked for those charges to be to be deducted off the amount owed and the amount needed to be paid on that statement. The man who I spoke with refuse to do that and tried to make promised so the amount can be paid along with late fees. The amount was fraud and THEY PUT IT ON MY CREDIT REPORT CAUSING HARD SHIP.
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (VA)

In XXXX XXXX XXXX XXXX  was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..
Consumer complaint received 2024-08-28
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. (CA)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The bank has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the account after the bank recognized the inaccuracy of the account. I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

XXXX  XXXX XXXX XXXX ....
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (CA)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The bank has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the account after the bank recognized the inaccuracy of the account. I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

XXXX  XXXX XXXX XXXX ....
Consumer complaint received 2018-06-05
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (UT)

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with XXXX XXXX and SYNC/WalMart. While no accounts were established the application left fraudulent inquiries on her credit reports from both XXXX XXXX and SYNC/WalMart. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.
Consumer complaint received 2018-06-05
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: PENTAGON FEDERAL CREDIT UNION (NC)

XX/XX/XXXX I submitted a CFPB complaint # XXXX   about Penfed regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. Penfed responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and Penfed to settle this account in full and to close this account out to a XXXX balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted Penfed and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with XXXX echoing all the above details and on XX/XX/XXXX XXXX  completed their dispute with a verification of the current reporting. XXXX could not have researched the reference account and then verify the information because that is not correct. I believe XXXX did an electronic XXXX   verification and did not research this in its entirety. If PenFed did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2018-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am a consumer with BofA I am complaining about a new feature on the mobile app which is XXXX I told bank of america I want to turn off the feature and BofA did help remove XXXX but i was forced to use it there is NO setting to turn it off in the mobile app and as a consumer I HATE USING XXXX PLEASE RELEASE A UPDATE TO TURN OFF XXXX AND REMOVE HER FROM THE ACCOUNTS PAGE AND I NEVER LIKED USING virtual assistants online.
Consumer complaint received 2023-05-04
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. (VA)

Experian 's response to my dispute was they verified the information from the court and from Pacer, which is a lie because I contacted the court and Pacer and they both sent me letters that they do not verify with third parties.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

XXXX Wells Fargo XXXX Wells Fargo One of  these complaints is still open, and I have written you and you have contacted Wells Fargo. 
Even though I was offered a modification by Wells Fargo for {$2700.00} monthly mortgage, and they took my money ( more than {$13000.00} ) to satisfy the 3 trial modifications payments, as explained in the previous complaint in XX/XX/2018, they sold my mortgage to ( XXXX XXXX XXXX ) XXXX who is charging even more ( {$2900.00} per month, which may be adjusted ). See attached modification offer documents from Wells Fargo and the one I received I today from XXXX. The Wells Fargo did make my mortgage more affordable and now they made it worst. {$110.00} extra per month is {$1300.00} per year or {$52000.00} over a 40-year mortgage. After giving them money from our small savings and borrowing {$4000.00} to cover the trial payments and current payment, they said I acted in bad faith because I did not provide a copy of a rental lease and other papers. After offering the trial modification, the need for the homeowner to provide more and more documents is past. So the whole acting in bad faith is a false claim and excuse to renege on the offer. It is also false advertising for the new campaign of " Wells Fargo/renew. '' I hope you will fight for me, as you have done for others who were treated unethically and criminally by Wells Fargo. I can not pay any lawyers. Sincerely, XXXX XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information
Consumer complaint received 2018-06-05
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. (MD)

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. Transunion and XXXX   has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
Consumer complaint received 2018-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (MI)

XXXX XXXX opened 7 fraudulent accounts, where they list me as a cosigner. All the applications contain mostly false information about me ; e-mail, employer, income, assets, mortgage, citizenship status, electronic signature, etc. 

The loans were approved by XXXX XXXX, based on applications that were completed and signed only by the borrower without my knowledge, permission or authorization. 

Following a previous complaint, XXXX XXXX investigated the fraud, and based on evidence I provided, they accepted my allegations of identity theft. My name was removed from 6 out of 7 fraudulent accounts. 

XXXX XXXX did not remove my name from account XXXX, because, they claim it was obtained with my knowledge, permission and authorization. 

This is inaccurate, it was obtained without my knowledge, authorization, permission or signature. 

According to page 1, Section C on the application, my knowledge and my signature are required for this application to be approved by XXXX XXXX. The borrower completed this application, same as the others, as XXXX XXXX knows, with false information about me and her signature, without my knowledge or signature. 

XXXX XXXX knows the borrower filled and signed as the borrower and as the cosigner. 

Since the loan was approved based on fraudulent misrepresentation. I do not understand why XXXX XXXX did not remove me from this account like the others. 

I want to be removed from this account, and remove it from my credit file.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BBVA FINANCIAL CORPORATION (LA)

Purchased a new vehicle and was financed through BBVA Compass in XX/XX/2015. Ran into a hardship a little bit after purchasing the vehicle. I was denied help for the longest due to it being a new loan. This loan has damaged my credit tremendously. I have almost close to {$1200.00} dollars in late fees which should be against the law. Just recently they did grant me an extension due to me owing the IRS.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted TransUnion on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the TU inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX  XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CH. XXXX BANKRUPTSY XXXX  FED COURT-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-06-04
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 — Problem with personal statement of dispute
Company: Go Capital Holdings, LLC (OH)

I disputed the information with all three credit bureaus about this creditor on my credit report. They are reporting false and misleading information and causing my personal credit score to drop with the information they are providing this company needs to be deleted off of my report due to reporting inaccurate information and also opening the account back up when it's been closed for 3 years saying closed. On XX/XX/XXXXXX/XX/XXXX GO Financial opened up the old account and reported me 8 payments behind when the account was closed for three years. Please have this company delete all information that they are reporting all my credit bureaus I am asking for this company to be removed off of all three of my credit bureaus due to reporting inaccurate information. Since this information is being reported wrong on my three bureaus it needs to be deleted due to the Credit Reporting Fair Act. Also this account was closed in XX/XX/XXXX it is XX/XX/XXXX and they are still reporting inaccurate information please delete off of my bureaus thank you.
Consumer complaint received 2018-06-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

My wife and i went through a financial hardship due to her being pregnant fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure. 

Account- XXXX XXXXXXXX XXXX XXXX Dispute - late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature- seeking forgiveness due to hardship resolution- reflect late payment statues as current/paid
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (WA)

I have been with Wells Fargo with many years and purchased their Credit Defense Platinum program. Allowing me if need be help if on XXXX. Unfortunately, this has become the case. I tried to handle the card on my own and I watch it blow out of control. I called in kept asking what was happening. Knowing I was not going out of my budget. Come to find my interest rate went up, costing me {$250.00} a month. I asked to enact my insurance/benefit policy on the CC so I could pay it down. I also started to receive letters in the mail reminding me I had this option open to me. However, every time I called in I would get the run around that no one knew what I was talking about or that WF never offered such policy and would transfer me to the individuals to close my account. Which I repeatedly said I did not want to do. I kept calling, after reading online seeing others had trouble with this benefit as well. Finally I came in contact with XXXX ; who knew exactly what I was speaking about. and transferred me to the correct department. After multiple phone calls and waiting on hold forever ; I got through to be told NO. My XXXX dates didn't align. I looked over my papers and found they did in fact meet the WF requirement dates. I called back and spoke to another individual telling me no I can not file a claim because i

t was XX/XX/XXXX and all claims needed to be filed by end of XX/XX/XXXX. Even though the recording says XX/XX/XXXX. I started calling WF XX/XX/XXXX and being told this service did not exist. How can I file a benefit if they won't admit to having the service and second have two different filing dates? please help.