davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (RI)

Summary : For a closed mortgage account, AIMLOAN overpaid my property taxes by {$880.00}. According to XXXX at XXXX XXXX XXXX finance department, the town refunded the overpayment on XX/XX/XXXX. AIMLOAN 's escrow company, however, returned the town 's refund check. The town sent the refund check again on XX/XX/XXXX, and AIMLOAN cashed it on XX/XX/XXXX. An image of the cashed check was provided by the town, and I gave the check number to AIMLOAN on the phone, as requested by the customer service supervisor. AIMLOAN promised resolving this issue by XX/XX/XXXX and now the customer service supervisor said the next update might be until XX/XX/XXXX. Customer service at AIMLOAN insisted that they had not received the refund check, and I was also told there was no one in the company who could help resolve the issue. I have been attempting to resolve this issue with AIMLOAN for 6 months without success. 

More details : In the beginning, AIMLOAN told me that they had not overpaid the property tax and had not received a refund check from the town. I called AIMLOAN and the town more than ten times. In XXXX, XXXX, AIMLOAN acknowledged the issue and the supervisor entered a work order to refund the overpaid check. I kept in touch with AIMLOAN every week or two after they deposited the refund check on XX/XX/XXXX. Customers service representatives and supervisors at AIMLOAN told me many times that they have yet to receive the check, and that the issue will be resolved by XX/XX/XXXX, but may not take that long. I followed up with AIMLOAN at the end of the day on XX/XX/XXXX, as suggested by the customer service supervisor. XXXX ( Initial XXXX, customer service supervisor ) confirmed that AIMLOAN has received the refund check. After I confirmed that fact with her, she acknowledged it, but refused to put it in writing. When I asked if anyone in AIMLOAN could address this issue, she said no one could do so. She could only send an email to the tax department asking for an update, and there was no guarantee she would get a response. When I called on XX/XX/XXXX to request an update, the customer service supervisor played hardball with me. According to her, AIMLOAN has not yet received the check ( which differs from what XXXX told me on XX/XX/XXXX ) and the next update may not come until XX/XX/XXXX. She told me I asked for help rather than admitting that AIMLOAN had made mistakes twice ( 1. overpaid the property tax 2. returned the refund check in XXXX, XXXX ). She said an update might take until XX/XX/XXXX, since I called two days ago ( XX/XX/XXXX ) and AIMLOAN requires this much time. I explained to her I have been trying to resolve this issue with AIMLOAN for 6 months, and that the refund check was deposited on XX/XX/XXXX by AIMLOAN 's escrow company, she just said bye and hung up.
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion was asked to verify the closed account on the consumer report. Transunion has violated 15 usc 1692g for validation of debts as they have not informed the consumer of who the debt belongs to. They have only sent communication stating that they have verified the information. They have not sent a signed contract to the consumer that would Validate the debt. 
Transunion is in violation of 15 usc 1681b ( 2 ) as they do not have my written consent to furnish these " Closed Account ''. 
Transunion has run me in circle for a year about these debts that I do Not Own.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've been trying to reach out to XXXX, they have not given me access to my CONSUMER REPORT and XXXX REPORT. I have attached screenshots as proof
Consumer complaint received 2021-12-30
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. (UT)

I have tried endlessly to get this ridiculous inept bureau to understand plain simple XXXX. It appears they're having problems understanding what they've done wrong and keep doing wrong. The issue is I complain, they don't fix the problem, then lie to you stating they did, then send me doctored paperwork to prove they've done something they never did but made worse! When I ran my credit on XX/XX/21 I have clear evidence they did not fix the problems! It's becoming more annoying than I can tell you. That's why I keep bringing the problem to you. They don't hear me and that's really a problem to me. I've had more problems with this bureau than the other 2! 

1. XXXX # XXXX - once again, I NEVER disputed this account. The account is accurate, why would I? They are the only bureau that did not correct it by removing that dispute language. The account is with the Borrower Defense Div. so tell me what I'm disputing with the bureau? Nothing! They need to remove that language NOW! They " assumed '' that and now are not understanding why they need to correct it. I just don't get why they put this on here in the first place. So it seems it's not creditors making the errors, it's continually the bureaus! Remove the language now!
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2021-12-30
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)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Consumer complaint received 2023-05-12
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. (MI)

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. 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.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

After falling foolishly for a cryptocurrency scam on XXXX I tried to recover my money I sent via XXXX to two different fraudulent accounts in the amounts of {$500.00} and {$2400.00}. I contacted my bank on XX/XX/21 to stop the XXXX payment as they were still pending. PNC bank said they couldnt intervene until the transaction went through, and then I could make a report to try and recover it after they investigated. On XX/XX/21 they closed their investigation and denied my request to recover the funds with no explanation beyond not seeing a reason to do so. They have since frozen my XXXX account, which is inconvenient because thats how I pay my rent, but I am working to get that resolved. 

The below is the details of the scam I provided to the FTC in my report So a friend of mine, XXXX, posted about some cryptocurrency investment on XXXX- I found out later his XXXX  account was hacked, and this was not him who posted this. I asked who I thought was XXXX about the post, and he directed me to someone named XXXX XXXX on XXXX who claims to be a cryptocurrency trader. This person claimed to work for a company coin-hourly that does rapid cryptocurrency exchange, something I know zero about. He told me to make an account with the website. I did. Then I was to send {$500.00} to XXXX XXXX via XXXX- the associated info is XXXX and phone number XXXX according to the XXXX account. This was supposedly his XXXX. Afterwards I sent {$2400.00} via XXXX as my investment to his associate XXXX XXXX- the email associated with that XXXX is XXXX. I received an email from XXXX saying that my investment had generated profit and for me to withdraw it I need to confirm my account and pay the commission of {$600.00} via the XXXX XXXX  to some account XXXX. So I did that. It all happened very fast - there was a lot of back and forth and screenshots shared between me and this XXXX XXXX person to move this all along quickly. I was suspicious but I messaged XXXX through XXXX and he reassured me multiple times, but I was suspicious because the pattern of response didnt seem like him. Then, I decided to message him instead through XXXX. At which point, the real XXXX told me that his XXXX got hacked the day prior and he was locked out of it, so whoever I was messaging with on XXXX was not him. I confronted this XXXX XXXX via XXXX to ask for my money back, and as expected that has not happened. Ive saved most of the conversation through screenshots if you need them Thank you
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates claims I have an unpaid emergency room bill. All of my medical bills have been paid by Veterans Affairs. I do not have any outstanding bills, we called the hospital they are claiming the bill came from and confirmed this information.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a letter from XXXX XXXX XXXX in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello, In early XX/XX/XXXX I contacted Suntrust customer support in order to close my checking and savings accounts. This request was submitted via their online customer support chat portal, and my savings account was subsequently closed. 

I noticed on XX/XX/XXXX that a XXXX XXXX Monthly Maintenance fee was assessed to my still open checking account. I once again contacted Suntrust customer support in late XXXX via secure messaging on my account and requested this fee be reversed, and provided once again written instructions to close my checking account. 

On XX/XX/XXXX the XXXX XXXX Monthly Maintenance fee was refunded to me. Suntrust, however, did not close my checking account. Another monthly maintenance fee was assesed on XX/XX/XXXX to bring my account balance to - {$17.00}. 

I contacted Suntrust via phone on XX/XX/XXXX for the third ( 3 ) time to have them process the closure of my account. The customer support representative informed me that I would need to deposit into my account to bring the balance to {$0.00} before it could be closed. 

I informed the Suntrust representative of my repeated attempts to close the account, as well as the prior maintenance fee refund. I explained that I should not need to deposit money to rectify an issue- the account remaining open for well after i repeatedly requested its closure - that was entirely due to Suntrust 's refusal to close my account per my instructions. I informed the representative that I would be filing a CFPB complaint to rectify the issue. 

I am requesting the CFPB instruct Suntrust to close my account and reverse any of the maintenance fees assessed to my account after my repeated attempts to close the account.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NV)

I appiled for a loan modification 2 years ago with my old mortgage company. I needed help and made that clear to them. I even had help from a XXXX party loan modification company. After going through every hoop imaginable with my lender, at the final stage of my approval process, they send me a letter stating my loan has been sold to another company and that I 'd have to reapply, for the XXXX time, for a loan modification with my new lender, Ocwen. 
Very discouraged, to say the least, I applied all over again with Ocwen, and had to deal with even more hoops to get my loan modification approved. After another year of sending in documents and dealing with countless Ocwen customer service reps and conselors in XXXX, at the very last stage for approval, I was sent another letter stating " the owner of my loan has fullfilled their quota for loan modifications and I am now denied. " I felt like I got royalIy screwed, again, and there 's nothing I could do about it. I could n't beleive this happened to me again!
Consumer complaint received 2021-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

XXXX banking services. I received a card when it was newly established as I am to have controlling shares and investments. The account was received and I did not set it up. It was then closed as soon as I finally got access to account. I have been still fighting identity theft for the past few years. There are several other banking institutions that I am still having issues with and have ruined my excellent credit that was in low XXXX and now in low XXXX.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OH)

I had a net spend pre paid card I deposited $ XXXXon my card in XXXX. I was informed after the deposit was made that my account was suspended for suspicious activity. I called netspend and closed my account.T hey told it would take 10 days to get a check.I went the next day to buy a different card, by accident I got another net spend card put another {$50.00} onit.They wouldn't activate it so it would be another 10 days for that refund.well 7 months later I still have not received the second refund.i want my complete {$50.00} back.i feel I should be compensated for my time and aggravation net spend has caused .thank you for your time
Consumer complaint received 2021-12-30
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: The CBE Group, Inc. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 ( XXXX XXXX  ) I was contacted by a phone number that my XXXXXXXX XXXX caller ID identified as Wells Fargo, my bank. The number was ( XXXX ) XXXX. The caller identified himself as a representative from Wells Fargo and said there had been a potentially fraudulent money transfer from my account, and that I needed to take steps to reverse it. The caller asked me to log into my account using the Wells Fargo app, which I did. The caller talked me through the process of sending a money transfer of {$1500.00} to myself, which I was told would fix the problem. 
This seemed strange and suspicious, so I asked to caller to explain exactly why this action was necessary on my end. His answer wasn't satisfactory, so I stopped the process and did not complete the transfer, hanging up on the caller. At no point did I give any sensitive information to the fraudster. 
Shortly after the call, I checked my bank balance and {$1500.00} was missing, despite my not completing the process. Ibelieve the fraudster was able to hack my account or phone and complete the process on his end by some method, perhaps explaining why he insisted on my using the app. ( He did have the technology to trick my caller ID. ) I called Wells Fargo at XXXXXXXX XXXX to report the fraud. It is clear the transfer was made AFTER I got off the phone withthe fraudster but BEFORE I called Wells Fargo. Out of an abundance of caution, they said, I had to close my checking account immediately and open a new one. This had, for me, the unintended consequence of making it now impossible for me to verify more details about the transfer since that account is now closed and I can not view it online. 
Wells Fargo has refused to replace the money. CFPB regulation ( 12 CFR Part 1005 ) states that the bank is required to replace the {$1500.00} because I did not give the fraudster and personal info. I was not scammed, I was defrauded, and this theft is the legal responsibility of Wells Fargo and they are hiding behind the lack of a paper trail and the obvious flaws in the security of their online services.
Consumer complaint received 2021-12-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation (CA)

On XX/XX/21 I was in an accident and my vehicle was deemed a total loss. While working with the GAP coverage policy holder ( XXXX  ) I was given a list of items I needed to obtain from the finance company and the insurance company. I received the documents from XXXX with no problems or questions. Bridgecrest on the other hand has yet to comply with any one of the requests for these documents. Bridgecrest did provide one of the requested documents on XX/XX/21 I received a 10-day pay off letter. In this letter it states " After the date ( XX/XX/21 ) the account accrues interest in the amount of {$10.00} per day. '' All the parties involved, aside from Bridgecrest have complied with my requests and provided me with all documents requested. 

On XX/XX/21 my car payment of {$450.00} is due and the {$10.00} interest begins to acrue. Why would Bridgecrest try to assist in getting this total loss claim filed and processed? Because they would loose money. Not only would they be loosing out on the extra daily interest, they would be loosing out on the {$450.00} a month. 

If I had received these documents from Bridgecrest, the GAP coverage claim would be closed, just like the Total Loss Claim from XXXX. Which would in turn bring my balance to {$0.00} and finalize the Bridgecrest payoff. 

Bridgecrest has tried to ensure that ANY overpayment made will be evaluated and if it is determined a refund is owed, Bridgecrest will process the overpayment. How am I suppose to believe this, especially when they refuse to send me the documents to process a total loss claim?