davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I contacted Transunion regarding an unauthorized inquiry on my report from XXXX XXXX XXXX via XXXX XXXX XXXX made on XX/XX/2019. I informed Transunion that i do not recognize this company/ inquiry, i did not apply for anything with XXXX XXXX XXXX via XXXX XXXX XXXX and for them to please remove it from my report because this is false and there for is indeed fraud. Transunion refuse to remove it, Stating that i need to contact the company directly to get it remove. I do not wish to contact a company who already committed fraud by using my information without my permission ( breaching my privacy ). This request is fraudulent and is negatively impacting my credit report causing me a lot of XXXX
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by XXXX a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.
Consumer complaint received 2021-03-22
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. (NV)

XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported. 

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done. 

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place. 

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.
Consumer complaint received 2017-05-11
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Seterus, Inc. (PA)

I have spoken with the mortgage servicer/Debt collected about not contacting me. My late payments were covered by hemap, I mailed them a copy of my letter and I still being harassed and told that foreclosure proceedings have begun.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Go Capital Holdings, LLC (FL)

I have be struggling with this loan company and they just don't want to help me. I have been making payments as I can and I check before my car was repossessed just recently I was just 30 days past due. Normally I would get a letter in the mail stating to pay by such an such date other wise we can legally or something take the property. This. company is know not to work well with anyone who is going through a finincal hardship even during this pandemic.
Consumer complaint received 2023-06-08
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: JPMORGAN CHASE & CO. (ME)

Someone used my identity to try and gain an auto loan at XXXX company 's on XX/XX/23 only XXXX company has been good about removing the inquiry from my credit report. The other have either given me a hard time ( XXXX XXXX ) or they have tried to help but not sure whats going on now.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

On XXXX. XXXX, 2019, ENHANCED RECOVERY COMPANY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I called a couple days ago to report my XXXX XXXX as lost/stolen. I thought the card was lost ( turns out I had just misplaced it ). XXXX, as is their practice, issued a new credit card with a new number. The next day, I received a credit monitor email from XXXX XXXX noting that my score had severely dropped with XXXX XXXX XXXX ( and presumably other bureaus, although XXXX XXXX only uses those two ). The reason for the drop was that Paypal Credit Card, issued by Synchrony Bank, had listed my account as closed with the credit bureaus, even though all I did was get a replacement card ( with a new account number ). Even though they correctly listed the reason as " lost/stolen '' card, I was severely penalized based on how they reported the lost card to the bureaus. One bureau showed a drop in my score by XXXX points, and the other by XXXX points! When I spoke with XXXX, they explained that XXXX had many options for reporting the replacement card, and they didn't have to report it as a closed account. I don't believe this is the industry practice, and I believe it may very well violate federal law to penalize someone so severely ( or at all ) on their credit score simply for reporting a lost/stolen card. Surely this can't be legal, and if it is, it definitely isn't standard practice. I hope the CFPB will help protect consumers from such actions. 

When I spoke with XXXX XXXX, they were not very helpful. They put me through to a XXXX who wouldn't even connect me with the department that handles such complaints. Instead, I was told they would investigate and send me a letter. This could take weeks or months! When I asked for someone to follow up by phone, they even told me that they would not do that. Unbelievable. 

Please note that the credit card number supplied is for the OLD credit card that was lost. I have not received the new one yet, so I do not know the new card number.
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX XXXX loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the report
Consumer complaint received 2021-03-22
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CommonBond, Inc. (PA)

Hello, I received an email entitled " Get up to {$5000.00} back when you refinance by XX/XX/XXXX! ". on Friday XX/XX/XXXX late afternoon from CommonBond. I confirmed via email with their support that this was a legitimate offer and the only requirement is that you are approved for a loan and submit documentation by midnight on XX/XX/2021. During the application process, their system did a hard credit inquiry and automatically pulled in information from my 2 existing private student loan lenders and balances. It required " verification '' of 1 of the 2, which is a loan from XXXX XXXX, serviced by XXXX. Unfortunately XXXX XXXX customer service department is closed on Saturday and Sunday, not opening back up until Monday so I was unable to retrieve the requested information and submit the application in time. This makes me both ineligible for the promotion and I now have a hard inquiry and lower credit score as a result. It seems to be a common practice for financial institutions to be closed over the weekend so it seems like it is deceptive of Common Bond to run a promotion that is only offered during a very small period where it would be difficult or impossible to finish the loan application. Not to mention, I was approved and eligible for the promotion until after my credit was pulled.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ID)

I tried to apply for a secured credit card and my Equifax credit report has a " fraud alert '' on it so I called them. I do not have ANY credit. I contacted Equifax and they told me they have no account for me. They told me to send them proof of my SS # and Driver 's License. I did that. They told me 3-5 days to get verified. It has been 18 days now and they will not allow me to pass through their prompts on their Customer Service line anymore. I enter my info and they say " You can not be verified, goodbye. '' I have no other way to contact them to get them to release this inaccurate " fraud alert. '' I tried registering online, same result. I tried 6 different numbers, same result. I finally searched for a direct line and someone answered and put me on hold for 30 minutes. They have no chat, and all the phone numbers lead to same prompts. I do not have any recourse to get them to release this inaccurate information. This company has HORRIBLE reviews and needs to be regulated!
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX, I sent out a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (KY)

Received a letter in the mail and a phone call saying I owed XXXX. Company name is Resurgent Capital Services. Phone call was last week. Letter was mailed out XXXX to me. Doesn't have a full account number on the letter. Says the original creditor was XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX. Date XXXX. Charge-off date XXXX. Amount XXXX. Acquired on or about XXXX. I have never had a credit card or bank account with them. This also doesn't show up on my credit report. So I think it a scam.
Consumer complaint received 2024-04-18
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: WELLS FARGO & COMPANY (FL)

Im gon na continue to fight this because now Wells Fargo is hiding the phone conversation I had on the phone with whom I spoke with. This person specifically said that they would remove this from my report in XXXX of 2022. I didnt have to make that payment but I did so that they would remove this from my report. Why would i have paid otherwise? I would have never paid something I did not authorize to be opened. I already explained that it was my ex partner who was XXXX  and revenged me this way. Why do they keep continuing to ignore what I said on the part where I did not open this account and that my ex partner had my information to log in when we broke up? They keep blaming me for it instead of looking at the real problem. What are they getting from keeping something on my report that I did not authorize and had paid them an amount to get this off of my report. Once again, I did not have to pay for this but I did.
Consumer complaint received 2021-03-22
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. (NV)

These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.
Consumer complaint received 2017-05-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

Hello, I have a mortgage with Sierra Pacific mortgage company.   On  XXXX    XXXX   I have received my annual tax and interest statement for {$9700.00} and I filled my  XXXX  tax return based on the above statement, than last month I received a revised statement for {$10000.00}. I contacted the company who prepared my tax returns and they advised me to amend my return and the amendment cost me {$150.00}, I emaile d Sierra Pacific for th e cost but they rejected my request.   On  XXXX / XXXX /  XXXX   I sent them another email but so for they haven`t respondent.   I hope CFPB solve the matter for me.   Thank You
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, 2021 My car was broken into while at the beach. My wallet, phone and car key were stolen. Within 2-3 hours the thieves had gone on a spree racking up {$35000.00} of luxury goods at stores we have never been to. All of the charges were reversed on our credit cards, however, CHASE has refuted the charges on our ATM card, which we assume they used as a debit card. CHASE has refused to reissue the funds stolen from us even though we have documented where we were, provided other card company 's decisions and a XXXX report stating we were with a mechanic at the time of the charges making a new key to drive for our car. We NEVER made retail purchase on this card. We have had negligible with withdrawals ( less than {$200.00} at a time over the past year ), we have provided all the pertinent documentation along with proof of these highly unusual charges on this card. CHASE continues to deny our claims of fraud because the charges were made ~ in person~ with an ID. The entire wallet was stolen so they had the drivers license as ID. We are now out about {$17000.00} from 3 different charges on the ATM card at high end stores. Please help us fight this fraud and get our money back. thank you.
Consumer complaint received 2021-03-22
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. (IL)

I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX  reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX  XXXX.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I canceled a pay-in-advance/month-to-month membership with XXXX  XXXX XXXX. 
I contacted the XXXX company and the CEO XXXX XXXX as well as Huntington Bank. 
Huntington informed me the charge was manually canceled. XXXX XXXX informed me he canceled my pay-in-advance membership when I informed him I no longer wanted to be billed. 
I believe it is a violation of consumer law to cancel a pay-in- advance membership and then bill someone for services they didn't receive. 
I am disputing {$69.00} to XXXX billed me on XX/XX/2021
Consumer complaint received 2021-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I have been trying tor two years to have my PMI cancelled. The current loan-to-value ratio is 76 % on an original valuation of {$120000.00}. The loan originated in XX/XX/2014. 
I have requested the PMI cancellation with my lender, Wells Fargo. They have stated that they can not cancel the PMI as there is no Automated Valuation Model available, yet I know of at least six comparable sales working the last six months, all for at least 30 % more than my original valuation.

When Wells Fargo was contacted again, they offered to generate an AVM for {$320.00}, however they will not indicate what public data is or isnt already available. 
The loan has been in good standing since origination. 
Wells Fargo Case # XXXX.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

About a month ago I applied for XXXX XXXX XXXX XXXX and was approved for $ XXXX limit. I received the card, activated the card and started using it. I tried to register the card for online banking but would always get an error message that such account did not exist. I added the card to my wallets including my XXXX and kept using it. A weeks ago I was buying furniture and were ready to pay the invoice with XXXX when my debit card declined as the amount was over XXXX and debit card had a spending limit of no more than XXXX. XXXX has an option when one card declined it uses the back up option which XXXX algorithm decided to use my XXXXXXXX XXXX XXXXXXXX by XXXX. The card declined again. I called XXXX customer service and explained what had happened and that the transaction was mine. The person was very nice and asked me to get my driver license, social security card and pay stub or W2 notarized and emailed to them. I did it right away and called them in a day only to be told that the account was closed. I paid {$150.00} only to get the papers notarized, let alone the absence from work to get the papers notarized. The person was very rude with XXXX  style attitude and told me that he reserved the right not to even speak to me. And he made it clear that he was doing me a favor by speaking to me.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

CBNA / Best buy is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent CBNA a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from CBNA stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

CBNA has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.