davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

I requested mediation back in XXXX via Wellss Fargo representative XXXX XXXX on the day of the mediation meeting the mediator clearly stated that she was the person who handled mortgage loans and heloc account. So I keep getting letters from Wells Fargo Bank stating my case was settled. Which is not true. I am not getting any explanation about the forbearance being placed on our credit report which has affected our ability to purchase anything without getting a higher rate loan. This not fair for us. I am attaching copies of the documents that we received from Wells Fargo Bank stating that they made errors in their calculation of our accounts.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account: capital one auto finance 
Account number :XXXX  THIS ACCOUNT HAS BEEN CLOSED SINCE 2019 ITS REPOTING CLOSED WITH XXXX  FOR 5 YEARS, BUT HAD BEEN CLOSED THEN OPEN AGAIN WITH XXXX  PLEASE REMOVE BASED ON federal code 15 U.S. Code  1681
Consumer complaint received 2024-08-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MN)

XXXX mortgage payment was to be withdrawn via autopayment but was instead reversed despite more than sufficient funds available in bank account. Contact with bank revealed no activity present on the account. A {$30.00} XXXX  fee for supposed nsf reversal was charged. On XXXX I received a confirmation that payment was posted by the lender. After multiple chats and phone calls a lender-rep phoned XXXX at which time the rep was sent the bank 's record, and on XX/XX/XXXX she refunded the fee and successfully withdrew the payment. 
However, the same issue occurred on XXXX, no withdrawl, payment reversal, no evidence of bank activity. After revieving no help from their customer service, on XXXX I cancelled the autopay option and made a manual payment via their website. My bank account showed that payment as pending, but soon after payment request was withdrawn. Again there were funds available to process the loan. A phone call eventally led them to create a report to their review team. I was to recieve a call with their solution within 3 days. I have recieved nothing as of today, XX/XX/XXXX, the final day of grace for a late payment. They have still bot attempted to withdraw the XXXX payment.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CT)

I have a US Bank XXXX XXXX credit card, which offers trip delay insurance, as advertised here : https XXXX XXXX 

I filed a legit trip delay claim through US Bank 's partner XXXX on XX/XX/XXXX, requesting ~ {$400.00} reimbursement. Additional documents were submitted as required on XX/XX/XXXX. However, it has been over 4 months, I haven't received any feedback & payment. Today, XX/XX/XXXX, I noticed that XXXX closed my claim without payment & notification. Additionally, US Bank refused to act on behalf of me. 

This is a false advertisement of the benefit. I request US Bank 's response.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX I was manipulated to open other credit card to pay for a service that was offered with XXXX I open an American Express and used for this service and paid {$3400.00} on XX/XX/XXXX, unfortunately this service never was received and the company was sued by many people to the Federal Trade Comission, I also filled a report since I never received what they promised after I fill the report the FTC recommend me to do the dispute for the transactions with the credit cards companies I used and today I talked to American Express customer service and after talking with many representatives they told me that because have been more than a year and they can't do the dispute, this is the first dispute to this institution I made and I feel very disappointed, I paid this service with more credit cards since the amount to paid was {$28000.00} and the other credit cards accept the dispute I don't understand why they refuse to do the dispute since they suppose to cover the purchases I don't use to often this card since always request for payment, please I need your help since due to this fraud I am in debt, appreciate your attention and help to this matter.
Consumer complaint received 2024-03-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (OH)

I was given a {$100.00} prepaid gift card to a local restaurant. Made two purchases for partial amounts. Receipts do not show Remaining Balance. Merchant tried in their Register/Gift Card system but could not check balances. The two purchases totaled well under {$100.00} but cash was required to complete purchase # 2. At both purchases, the merchant restaurant could not provide any balance details in this prepaid card facility. 

Prepaid gift cards from the restaurant are supplied by CloverXXXX XXXX XXXXXXXX. 
Multiple attempts were made to check balances online as well as by telephone. Clover does not provide ANY facility to support the consumer. Phone calls to Clover are only answered if a merchant is the caller. 
I managed to XXXX through " walls '' in the Clover telephone system to speak to a merchant rep. A lengthy call ensued but the only answer was that Clover would not provide any information to a consumer nor have a consumer line or consumer website.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (NC)

These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all XXXX bureaus. XX/XX/ I have disputed them multiple times, XXXX XXXX and XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (GA)

I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected ASAP.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently pulled my credit report and noticed several addresses that were unfamiliar to me. I did not recognize these residences and I am sure I have never lived at them either. My address is XXXX XXXX XXXX XXXX, LA XXXX and should be reported as such. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this request easier and quicker for you all to execute. 
In accordance with the Fair Credit Reporting act. below has violated my federally protected consumer rights to privacy and confidentiality under the following : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law regulates the collection, dissemination, and use of consumer credit information, including requirements for accuracy and completeness of consumer reports.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : While primarily focused on debt collection practices, inaccuracies in credit reporting, including incorrect addresses, can also implicate FDCPA provisions, particularly regarding the accuracy and fairness of debt collection activities.

3. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801-6809 : This law governs the collection and disclosure of consumers ' personal financial information by financial institutions, including credit reporting agencies. Inaccurate reporting of addresses may raise concerns about the safeguarding of personal information under GLBA.

4. Regulation V ( 12 CFR Part 1022 ) - The implementing regulation for FCRA, issued by the Consumer Financial Protection Bureau ( CFPB ). It provides detailed requirements for the accuracy and integrity of consumer information maintained by consumer reporting agencies.

5. Regulation F ( 12 CFR Part 1006 ) - Implementing regulation for certain provisions of the FDCPA, issued by the CFPB. While primarily focused on debt collection practices, inaccuracies in credit reporting, such as incorrect addresses, can also implicate Regulation F provisions regarding the accuracy and completeness of information provided to consumers.

These laws and regulations aim to ensure the accuracy, fairness, and privacy of consumer credit information, including accurate reporting of addresses by credit reporting agencies. Violations of these laws can result in legal consequences and penalties for the agencies involved.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Genesys National Recovery, Inc. (PR)

Date : of emails of debt collection, threats of law suit increase debts and degradation of credit to credit bureaus. 
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( 4 emails ) XX/XX/XXXX By phone : Since XX/XX/XXXX up to now to many calls at different hours early morning and even night, to my phone and even my girlfriend and they gave her false information. Threats to send police, law suits, etc ... 

They started with amounts of {$1500.00} then agreed to half but made if paid in full. 
Made a payment to cancel the account for an amount of {$550.00}, but received a letter stating the debt was canceled for {$450.00} leaving a {$100.00} balance positive. 

Today I received another email from the collector stating I still owe {$590.00}. 

Since COVID19 XXXX Ive not been able to generate income because I can no longer work. 

This was a gym which I stoped attending cause of Health reasons and the contract was until XX/XX/XXXX to my understanding they extended to XX/XX/XXXX. 

The calls come from FL area code XXXX, from TX and PR. 

To my understanding I made an agreement on the account paid over the amount agreed and still now they are coming back.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In willful violation of federal law and in non compliance of FCRA 605B Transunion is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Transunion with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Transunion has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Transunion SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

In XXXX I paid off the remainder of my balance with Capital One. It was just over {$800.00}. My balance became XXXX, and my autopay was cancelled. Shortly after, I was charged the {$95.00} annual fee for using the card. At that point, autopay was no longer active. Because I knew I had paid off the balance, and I hadn't used the card after that, I had no reason to go into the app. Well, a few months later I got onto the app just to check things out to find out that I was 2 payments behind. I was taken by surprise, because I knew I had paid it off, but then saw the {$95.00} fee, as well as a couple late fees. My problem is that I was never notified via email or the app that I had payments due or that my payments were late. When I talked to Capital One, they said that multiple emails went out to me, but I never received even one of them. Not in my inbox, not in my spam folder, not in my deleted folder, nothing. That is not an email that I would glance over if I received it. I am very upset at the way that Capital One handled the situation when I spoke to them. They seemed to not have a care in the world and just kept saying that it is the way it is and they can't do anything. Something happened along the way that prevented me from receiving the emails, and I don't know if it was their emails not sending or XXXX somehow blocking it. Because of all of this, I now have a delinquency on my credit score that will be there for 7 years. It dropped my score by XXXX points. All because I never received notification that I had a payment due. This was 100 % out of my control, and I need it fixed.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. XXXX now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from fed loan servicing where I had consolidated them from Nelnet in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from XXXX to Nelnet but my balance with XXXX never went down. I called Nelnet and XXXX numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to XXXX I was told not to worry about it and that it would be deleted when Nelnet discharged it from their end. There are no records in either Nelnet or XXXX as to what they are doing with any of my accounts. XXXX has not subtracted the amount that Nelnet has discharged and they have taken more from XXXX. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I find out some charges that are not mine I did not had the card on my possession I opened a claim and on the same day they closed They said because I got benefit of the purchase I wasnt even at home I was XXXX miles away on those days I never received any service And the hotel charges are not mine I did not stay there. The hotel has canceled all the stays because they did not had a room ready after 8 hours of waiting I was told they will refund they did not so I called the credit card They took the statement and resolved as soon as we hung up saying Too bad I have called them several times with new info but they just ignored me
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I had a {$9000.00} balance transfer check sent to Wells Fargo to pay off my credit card balance for the XX/XX/ due date. Wells Fargo took more than one month to process the check and as a result it was stopped due to being stale dated by the other bank. I also through Wells Fargo 's website had another payment made from one of my checking accounts. Because Wells Fargo attempted to cash the stale dated check they rejected my payment from my checking account stating that my credit card was paid in full and then after realizing that the check was stopped charged my a late fee. I find this unacceptable as they are charging me for their mistakes.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX  XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX  XXXX XXXX  : {$8700.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XX/XX/year>
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All the credit inquiries to TransUnion all the credit debt an inquiries to XXXX an all the credit an inquiries to XXXX I still have inquiries for cars I still cant get a bank account all the banks deny me I need the check system clear I need all inquires clear off my credit report help sort all this out it been 6 months trying Im disable trying to do all this overwhelming