davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
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 — Investigation took more than 30 days
Company: VW Credit, Inc (NV)

My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and Volkswagen  credit refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. Volkswagen then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX, XXXX  and XXXX to no avail. My attorney went back and forth with Volkswagen for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in  bankruptcy.
Consumer complaint received 2021-12-30
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: Experian Information Solutions Inc. (HI)

Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used in XXXX and XXXX. Serious delinquency in XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo purchased my mortgage in XXXX and at that time I was not informed that flood zone revisions had been done in my area or that I was required to have flood insurance. Now 9yrs later I received a letter from Wells Fargo telling me that my house is partially in a determined flood zone A   and that I am required to have flood insurance on my house and that if I don't purchase insurance they will have a lender placed policy put into effect at my expense. If you look at the FIRM for the area my house is effected, However I have provided evidence to the contrary to the Community Development office for my locality and they are in agreement with me and I have also filed for a LOMA from FEMA which the County feels well give me the result I am looking for. I informed Wells Fargo of all this and supplied them with the letter from FEMA saying my dispute was in progress as well as a survey that was done in XXXX before the revisions that shows my house not to be in a flood zone. Zone A flood zones are determined by approximate methods so my survey should be more accurate and FEMA is in possession of a copy of said survey as well as my deed which the survey is amended to as well as photos. The first letter I received was dated XX/XX/XXXX and advised me that I had 45 days and then received a letter dated XX/XX/XXXX saying they had purchased temporary flood insurance for me effective the date of the letter. Which clearly wasn't 45 days and during this time I was trying to get them to give me more time. I feel this has been an unfair and unjust act and am considering Legal action if applicable. I also tried attaching the letters but they won't upload
Consumer complaint received 2019-10-08
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX*
Consumer complaint received 2019-12-06
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. (FL)

my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with Equifax as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (WA)

Robinhood froze my checking account in XXXX of 2021. It has been frozen for 4 weeks now. Originally they had claimed that someone had tried to link my account with another bank account, that may have been done without my permission. They originally said that I needed to verify my identity with them to unlock my account, as soon I as did that they started making more demands to verify apps linked to my account such as XXXX and XXXX. 

I am requesting that the CFPB tell Robinhood to unfreeze my account immediately because they have done so without any explanations whatsoever! They have treated me like GARBAGE and I demand they release my account back to my possession right now!
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo is reporting incorrect accounts to all three credit bureaus. This is not my account, I've tried contacting Wells Fargo several times and stated that this is not my loan!!! I have never received anything other than it showing on my reports. It is now reporting with a balance on 2 of the bureaus and showing that they charged off as bet debt on XXXX. This account is NOT MINE!! and is reporting badly to all three bureaus, which is harming my credit and preventing me from getting a loan. I want this matter resolved immediately.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I was one of the customers affected by the Equifax data breach in XXXX. Equifax provided me with a a free credit monitoring service up to XXXX. I recently attempted and was able to register through myequifax.com website ( to be able to continue to monitor my credit file ). However, I wasn't able to log in to the website due to some error message. Over a period of one month, I called Equifax 3 times for a total of more than 3 hours and they were still not able to resolve the issue and let me access the site to monitor and freeze/unfreeze my own credit file. As of today XX/XX/XXXX, I'm still not able to do so for a simple log-in issue.
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime (NV)

Once again this company fails to answer questions directly ... The previous response listed the vehicle as a XXXX when in fact it was a XXXX. Furthermore they state the credit report they pulled showed the previous vehicle but no status ( since when does a credit report only show an account with out payment history, past due, etc ). So with those two obvious errors how can we conclude their staff acted appropiately? Chances are the staff that was involved in my loan doesn't even work there any longer. How can they prove what i am saying is inaccurate? Once again they fail at doing a thorough investigation. They need to provide responses from the employees I worked with and if they are no longer employed they need to buy back this loan. If they are not able to provide those response then this proves they are not thoroughly investigating this issue.They are not investigating this account.
Consumer complaint received 2019-12-06
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: AMERICAN EXPRESS COMPANY (AZ)

This is the second time I've had to file a CFPB complaint against AMEX. 

It appears they are not going to payout the 130,000 bonus points and free night associated with the sign up on my account. 

They currently have 3 XXXX AMEX cards out there right now. I have attached a picture from their XXXX advertising. They basically advertise them as a bundle. 

I have also attached a letter sent to me from AMEX stating their customer service was incorrect to tell me I wasn't eligible for the bonus points on the first XXXX card. Those points were awarded. However, now it appears they are holding up the bonus points on the XXXX card. I have attached the statement showing I was awarded the points based on the minimum spend. I have also attached screenshots from customer service. They basically tell me I'll get the points, but I just have to be patient. Then a few weeks later, they tell me to wait a few more days. Basically, they want me to keep spending on the card, but offer no real timeframe, aside from " just keep waiting and we'll let you know ''. This whole process is very deceiving. AMEX has written language into their CC applications that give them the option to not pay out bonus points for ANY REASON. It is extremely vague and very consumer unfriendly. These cards are marketed all over the internet. All over the XXXX app. It's a very aggressive campaign. Then they just decide not to pay out points. 

AMEX has a system in place to stop your credit card application from going through if you have defaulted on them in the past. They don't even run your credit. It's an automatic denial. I bring this up because they have the ability to do this for bonus points too. I know in some cases, I've seen reporting where a pop up comes up during the application process telling the applicant, they can apply for the card, but will not be eligible for the bonus. This should be universal. If AMEX does not have that pop up come up, and they run the applicant 's credit and that applicant satisfies the minimum spend, the offer should be paid out. 

I have applied for all 3 XXXX cards. The pop up didn't come up on any during the application process. 
I have been misled by customer service via the chat, or at worse, lied to. 

This year, I have spent over {$32000.00} on AMEX charges. How much more do they want me to spend with them?! By the end of the year, it will be close to {$40000.00}. 

They will have gotten merchant fees off {$40000.00} in charges, but not satisfied their end of the deal. How fair is that?! 

If AMEX doesn't want to award points, they need to be upfront about it and give the applicant that info BEFORE credit is run and the card is issued. Vague fine print is not something a multi billion dollar corporation should be able to hide behind.
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK (KY)

I have tried to fix this with discover card they said they done a investigation and still hold me responsible I can't find my bill there is XXXX.dollars I think I should not have to pay I don't remember the charges for my self.
Consumer complaint received 2024-09-24
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one credit card reported that there was no payment on my credit card in XX/XX/XXXX quick Silver ending in XXXX My Capital One 360 representative told me that this was not correct that in fact I paid {$100.00} in XX/XX/XXXX and XXXX the previous month and the money was sent back to my account because an employee made an error in blocking my checking account without my authorization* Eventually the block was lifted and the payment was made without me knowing anything about it the circumstances surrounding this issue* The bank reported me late twice to the 4 credit bureaus on this card even though they knew it was wrong to do so* Capital recanted the fact that I didn't pay them on time but refuses to communicate with the 4 credit bureaus to fix my credit report* This is wrong because Capital one stated to me " You need to fix your own credit '' " You need to dispute this situation and then we will correct it " I believe that since they reported and caused the situation of damage to my credit score they should correct what they did wrong '' Even though I have told them Im XXXX they don't seem to care much about the stress and damage that this has cost me with my XXXX XXXX
Consumer complaint received 2023-05-07
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. (OH)

XX/XX/2023 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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 2019-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (MS)

First my wife attempted to clear the final incorrect billing by dealing with my insurance company and the XXXX  XXXX  Hospital.XX/XX/XXXX XXXX Spoke to XXXX  at XXXX-XXXX-XXXX.  Emailed and faxed to her the EOB.  She said she will have a supervisor call us back.  The email she had me send the EOB to is XXXX, XXXX – floor supervisorNotation on EOB:  NHB -PAID IN ACCORDANCE WITH XXXX  XXXX   CONTRACTNotation at bottom of EOB:  Payment is being made in accordance with NEVADA PREFERRED discount agreement. Please call XXXX  for inquiries.Based on this info and XXXX  XXXX refusal to communicate and accept the insurance ruling, they filed the claim with a claims agency which I succesfully disputed.  Then a few months later, they re-assigned to another claims agency and this time I was not able to dispute the claim successfully.   I have the financial means to pay this and that is not the problem.  It is the principal that they are ignoring agreements made with the medical insurance companies and groups.
Consumer complaint received 2019-12-07
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. (NY)

Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from XXXX regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.
Consumer complaint received 2019-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I had a home equity loan with Specialized Loan Servicing LLC of XXXX XXXX , Co, which I paid off XX/XX/2019, in XX/XX/2019 I applied and was approved by my current bank to refinance my home mortgage. The title company that was assigned by my bank to do the refinance attempted to locate the Satisfaction of Mortgage which should have been filed with my County Clerks office. The document was not filed at all and all attempts to get them to file the Satisfaction with the County have been unsuccessful. Specialized Loan Servicing just keeps sending me the wrong documents stating they have filed required paperwork. The only documents they have sent me are the following , County Recording page, pay off letter and notice of servicing transfer. How do I make them file the correct documents with the County?
Consumer complaint received 2023-05-06
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. (NC)

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.