davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (AZ)

My social security number is XXXX. 
Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate Chase Receivables and XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2023-01-23
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. (TX)

I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (MD)

I have a mortgage with Chase Home Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called Chase and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.
Consumer complaint received 2019-12-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company (FL)

I refinanced my mortgage and Statebridge was paid on XX/XX/19.  I called them about receiving my escrow refund and they told me it could take 30 days.  Here it is at 32 days and I still don't have my refund from my escrow account.  When you call them you are on hold for 15 minutes or more every time, who has time to hold that long while at work?   
They are awful.  They changed bank accounts and did not notify me and one month my payment was returned to me which I immediately turned around and sent back to them but my credit report was hit for this.  I spoke with someone who said they would do a letter to the credit reporting company and they did, send it to one but not the other two!  Why would they not send copies to all consumer credit reporting agencies?
Consumer complaint received 2019-12-19
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. (NJ)

On or about XX/XX/19, I had an Extended ( 7 year ) Fraud Alert placed by XXXX, this fraud alert was reported to XXXX  and Experian. On XX/XX/19, I authorized an electric company ( XXXX XXXX XXXX ) to run my credit in order obtain free financing. I was informed by XXXX XXXX XXXX they could not obtain my credit information because Experian would not release same. Experian had the following statement associated with my account : " connect check plus summary Code X Fraud Alert deny services. '' I contacted all three credit reporting agencies and inquired if there was a " security freeze '' on my account. All three denied there was a security freeze. I contacted Experian a seconds time and they could not or would not assist in removing this information from my account. I never authorized or request that a security freeze be placed on my account by any credit reporting agency.
Consumer complaint received 2019-12-19
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: SYNCHRONY FINANCIAL (FL)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : XXXX XXXX card, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, syncb- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2019-12-19
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: WELLS FARGO & COMPANY (FL)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2019-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Navient is my loan servicer for all of my federal student loans. I have a mixture of un-subsidized and subsidized federal student loans. ( 6 in total ) I have been enrolled in auto-pay for all loans since the time I started paying on the loans ( 6 months after graduation ). Dated : XX/XX/XXXX Auto-pay has always withdrawn the minimum payment due on the loan. For one of these loans, the loan with the highest interest rate, I have paid ahead each month to pay this loan off faster. With no notice or any change to the autopay agreement, Navient has decided to push all auto-payments back to start on XX/XX/XXXX since I am ahead on my payments.

This is completely against the auto-payment enrollment agreement that I originally signed.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been trying to gain access to my funds in my bank account since XX/XX/2019. After countless visits to different Huntington branches, numerous calls to the support desk, and 3 different monthly statements in the mail - nothing has been done. When talking to Huntington representatives - they tell me that theyll call me back with more information, yet never do. They tell me they dont know when Ill get my money. This is unacceptable.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AL)

I maintained an account with Wells Fargo for the past XXXX or XXXX  years and while banking with them I experienced numerous overdraft fees and each time that I reached out to them they could not explain the excessive overdraft fees. I would like to speak to someone to see if I can be compensated for all the excessive fees that I paid.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (PA)

A credit application was applied for in a store. TJmaxx put an inquiry on my report. I already have a card with them, I was never in the store on that date, nor would need to apply for credit. I have contacted them and Synchrony bank countless times.

Also the inquiry address and cell of the actual person who inquired was not my information nor cell number. Now 2 months later it has not be removed. Nor was I sent the investigation information as promised 3 times.
Consumer complaint received 2019-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (TX)

Unable to get the payoff amount in writing and tile after payoff. The loan company is trying to fill a gap claim on the car after the insurance company reported that the damage to the car is not a total loss.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/2019, Home Depot fraudulently re-charged my card for {$9000.00} ( which is more than the original charge ) for an installation of the wrong windows which occurred in XX/XX/2019. As Home Depot breached the contract by installing the wrong windows, an agreement was put in place in writing that they would refund me the cash already paid by XX/XX/2019, as well as cleaning up the Home Depot 24 month interest free card which was part of the deal. The card was not cleaned up and the money was not refunded by the date of the agreement. However, the credit card worked with me to get Home Depot to clean it up, and refund the money already paid. The card was at XXXX. However, additional damages were incurred due to the time delay, as the price of the replacement windows to obtain specific performance Home Depot could not provide went up in price by {$2400.00} due to new price changes at year end. 

As Home Depot had breached not only the original contract, but the settlement agreement, I then issued a claim with XXXX as against the performance bond on the project. 

Then Home Depot unlawfully falsified a settlement agreement, which I did not sign, by taking the signature off of the document I did sign ( all of which was handled via e-mail with an extensive e-mail trail proving the identify of the real document ), and passed it off as the document I signed, attempting to strong arm me to relinquish claims to the performance bond. 

I have no responsibility to relinquish such claims as Home Depot breached the agreement. 

So, Home Depot, after misrepresenting a fraudulent document, via mail and wire fraud, then rebilled their subcontracted CitiBank Home Depot Credit Card company for {$9000.00} ( which is more than the original amount ), and then attempted to collect. 

I have put a credit freeze, reported the card stolen per the recommendation of Citi, and closed the account. However, these unlawful actions have severely hurt my credit, as I now appear to be overextended on my financial obligations, given a new loan was already put in place for the new replacement windows, as the credit card account with Home Depot had finally been cleaned up. However, with the addition of this charge, I am now in immediate credit alert status for charging over {$20000.00} simultaneously. My perfect credit may be virtually trashed. 

I am reporting the attorney, one XXXX XXXX of XXXX Georgia to both the Georgia and New York Bar Associations for fraud and misrepresentation of material fact, and will also be seeking criminal charges with the local DA 's office. I need a flag on this large purchase and am attempting to secure this with the 3 credit agencies.
Consumer complaint received 2019-12-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (MI)

This is the second loan i have had with this company and in both cases i have not been able to get in touch with them. I have access to the website to view loan details, but I do not have the ability to pay off my loan. I received an email reminder this morning about my upcoming payment date of XX/XX/XXXX, but that i could make a payment by phone today if i wanted. They open for phone customer service at XXXX est, however, i called at XXXX this XXXX  and their call center wasnt open yet. I waited a few minutes to call back and finally got the voice response system. I went through all of the prompts to make a payment on an existing loan with a debit card and to locate my loan using zip code, date of birth and last 4 of my SSN. Record found - voice system said it was transferring me to a representative to take my payment, instead it just goes back to the intake for the voice response system to start all over. It also advises that at any time you can press zero for a representative. I have, it goes back to the voice response intake menu. It is impossible to get a person. I have even called the local office for assistance, but because i did my loan online, they cant pull up my information to help me. The store Rep gave me another number to try, which i did, same thing as above. There is no way to get in touch with a person and to manage your account if you did your loan online. The first time around I gave them the benefit of the doubt that they could be experiencing technical issues, but these events are now months apart and this same run around is still happening.
Consumer complaint received 2019-12-19
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. (KY)

Transunion is reporting known false information about one of my accounts. I have disputed this for over a year and called them on the phone, but they still report inaccurate information about this account. The account states the last payment date was XX/XX/1980. I was XXXX years old then and could not have had a credit card. Still, they refuse to remove this from my report due to it being incorrect information.
Consumer complaint received 2022-05-27
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. (CA)

I was inquiring about my car loan buyout options and asked the company what my options were before running my credit. They disregarded my request and ran my credit without any discussion beforehand. I believe this will affect my credit score, even though the sales manager stated that it will not. This happened on Friday XX/XX/27.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WY)

My mortgage company 's Attorney failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.
Consumer complaint received 2019-12-13
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: EQUIFAX, INC. (PA)

Equifax did not do a thorough investigation when I reported a fraudulent account on my credit report. The account I am referencing is XXXX XXXX. I contacted XXXX XXXX in regards to this account and asked them if the person responsible for using my information to open this account would contact them and assume responsibility if they would remove it from my credit report and transfer it to them. They stated they would. However, this person never did. XXXX XXXX is well aware of the fraud and Im sure there are notes of this conversation at the very least. There is no documentation with my signature granting XXXX XXXX permission to set up an account in my name. This is not my responsibility.
Consumer complaint received 2023-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

This is a follow up to my previous complaint with regard to the settlement for homeowners who were unfairly denied loan modifications on their mortgage. I reached out to the Wells Fargo team in order to resolve this issue with a detail reason why I'm making my case. The bank supplied me with a copy of my signature accepting the deferment option, which i don't dispute its the fact that i explained to them in letter form that after repeated attempts to get a better resolution, out of frustration i just gave up.
Consumer complaint received 2023-12-08
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-01-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (NY)

I am unable to obtain a standard loan estimate from Fairway Independent Mortgage Corporation. I have submitted an application and all the information required to receive a loan estimate by XX/XX/2022. The property address is XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX. I have been prequalified for {$270000.00}. 

I have asked the lender for this document several times since submitting the required documents but was told that he is not allowed to provide it.
Consumer complaint received 2023-01-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I and my XXXX  have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since 2012. XXXX  XXXX affected my XXXX XXXX multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower XXXX XXXX.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA has been moving my transactions out of order so that I accrue fees even though I have enough money in my account to cover all transactions. I have called them twice about this and they will admit no wrong doing and state that I dont have enough money in my account when I actually have more than enough. This is not the first time they have done this to me.