davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, XXXX / XXXX / TransUnion has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened XXXX XXXX Balance : Balance : {$17000.00}. I believe it was reporting in error.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Got a robo call this morning ( XXXX @ XXXX ) " claiming '' to be from Bank of America . As soon as I realized that it was a robo sales call I immediately hung up without listening to the message. I tried to call back ( in coming number : XXXX ) to see if there was a chance that it may be a legitimate call, but it was busy. Evidently a dedicated robo call line.
Consumer complaint received 2023-01-16
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. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, Equifax / XXXX / XXXX has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened : XXXX  Balance : Balance : {$17000.00}. I believe it was reporting in error.
Consumer complaint received 2023-01-16
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: WELLS FARGO & COMPANY (MD)

We paid for a storage unit using a Wells Fargo credit card card for several months. When we vacated the unit and followed the proper procedure for discontinuing the service, we found that we were charged for an extra month. We discussed this with the vendor who claimed to issue us a refund for that extra month we were erroneously charged. After several days, we still did not see the refund, we followed up with Wells Fargo who confirmed that no refund processed and none was in process either. At this point, we filed a dispute with Wells Fargo on the charge. We got a claim number for the dispute on XX/XX/XXXX. 

We received emails from Wells Fargo every 2 weeks saying we are making progress on your dispute. On XX/XX/XXXX, we received a voicemail from Wells Fargo asking us to call them back. We did so immediately. Over the course of the conversation with the claims team representatives, we were told that actually, nothing at all had happened with the claim since we filed it on XX/XX/XXXX ( despite the emails from Wells Fargo assuring us otherwise ). The representative said that they needed another 3-5 business days to process a temporary credit on our card. 

So as of the time of this writing, it has been 94 days, past the limit that Wells Fargo has to resolve a dispute.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Hello, I never sign, had a contract with the company XXXX USA, CONVERGENT OUTSOURCING, Inc,  demand me to paid an enormous amount that I do not own. 
Also this Convergent Company, send a new correspondence to my new address harassing me. 

Balance : {$1000.00} No date of this fake service was stated!!
Consumer complaint received 2023-01-16
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (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. I sent letters to Equifax Credit Bureau the date of thelast letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and stillnothing from them. That means Equifax has NOT complied with the FairCredit Reporting Actlaw and continued to report inaccurate information on my credit report. UPDATE OR REMOVETHIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2019-12-20
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: BARCLAYS BANK DELAWARE (MN)

I contacted the company on XX/XX/2019 about an issue with my credit card. I asked for them to explain the issue. I received a response the same day letting me know someone would be calling me. On XX/XX/2019 I informed the company that I wanted the issue responded to via writing and not a phone call so there was record of it. At that time I told them if they did not want to record the phone call and provide me with a copy of it, write me a letter in the mail, or send me an email that I would not be taking a call from them. This is for my protection of my account and my credit to prevent the company from providing false information and not being held accountable. I received the same EXACT on XX/XX/2019 saying that someone would be calling me. I informed the company I would be filing complaints to have the issued handled that way and ensure there is a written response.The issue is that the promotions offered by this card are for double points on XXXX XXXX orders from an XXXX  team. The two teams that I have purchased tickets from (XXXX XXXX and XXXX XXXX) redirect customers from their site to XXXX  to purchase tickets. Barclays is not recognizing these transactions as promotion transactions. I believe that all teams likely use this redirection to XXXX to purchase tickets. That would mean that no ticket purchases would qualify for the promotion that Barclays is advertising and it would make this promotion misleading to customers.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AR)

We closed on the sale of our home in XXXX TX on XX/XX/XXXX with XXXX XXXX ( phone # ( XXXX ) XXXX-XXXX XXXX XXXX. We were provided a pay-off amount of {$220000.00} by our mortgage company Freedom Mortgage ( phone # XXXX ). XXXX XXXX wired the money requested to Freedom Mortgage on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX received notification from Freedom Mortgage that there was an additional {$2300.00} due as Freedom had never deposited the {$220000.00} check that they had said was due at closing. I am being charged interest through XX/XX/XXXX as well as accrued interest, escrow advanced funds and additional fees. 

I believe that holding this money for almost a month and never contacting me or XXXX XXXX should be illegal as they are basically scamming everyone involved. Freedom had notified XXXX that the check had been deposited despite the fact that it was still sitting on someone's desk.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

For more than seventeen months, I been trying to obtain a loan mod with my current service Bayview mortgage, I explained and documented my hardship, however, servicer never works with me to find any reasonable solution. Recently my last submission was denied and servicer stated that was no loan mod possible to reduce my current mortgage payment. My intention since almost the beginning was to obtain assistance to bring my mortgage current, and NOT to reduce my mortgage payment ; I insisted on this particular point several times but looks that never it was considered by my servicer. 
My investor is XXXX XXXX, my case was submitted using XXXX XXXX XXXX for accuracy.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX, We received your Checking Account application, but we cant approve it right now. This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans ( like credit cards or mortgages ). This report was pulled on XX/XX/XXXX. 

We declined your application because your XXXX XXXX XXXX score is XXXX ( on a scale of XXXX ), which we consider to be a higher risk score. According to XXXX XXXX, these are the major factors impacting your score : The number of different banks inquiring during the last XXXX years Number of inquiries during the last XXXX days Our decision was based in whole or in part on information obtained from XXXX XXXX, a consumer reporting agency. XXXX XXXX did not make the decision to decline your application and is unable to provide the specific reasons about why it was declined. 

If you have questions about the XXXX XXXX report, you can get a free copy of it within the next XXXX  days. If theres a mistake on the report, you can dispute it with them. 

XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Phone : XXXX Website : XXXX XXXX XXXX I'm sure my identity has been stolen, I've been out of the XXXX. I have lived in XXXX for work reasons since XXXX, I just returned in XX/XX/XXXX, and I find that someone has been using my identity doing improper things, so I can not open accounts in any bank. I can prove that I've been out of the XXXX all this time.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

I opened a new Citibank credit card in XX/XX/2022. It had a low credit limit I was not aware of, much lower than any other credit card I have been issued in XXXX years. Our family took a vacation and we used the card to its limit. By the time we got back, XXXX services I have on auto-pay on the card were sending me delinquency notices. So I phoned Citibank to request an increase in the credit limit and they declined, sending me a written note saying XXXX had told them I had problems with other creditors. I prepaid the bill so the auto-pays would stop bouncing but Citibank told me it might take XXXX days for my ACH transfer to clear the bill. I called XXXX and verified that I have no freezes, locks, delinquencies or outstanding debts. XXXX told me it was okay to tell Citibank that XXXX could see no reason to deny me more credit. I called Citibank twice and relayed this news to them, and twice again Citibank denied my request and sent me the exact same form letter pointing to XXXX.
Consumer complaint received 2023-01-16
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX BANK XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX XXXX, 2021
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I had a credit of $XXXX on my XXXX  XXXX Bank of America credit card.  This is because I apparently somehow paid this amount online on XX/XX/XXXX. when I actually had a XXXX  balance.  So now I have a credit.OnXX/XX/XXXX, I requested that the credit be reversed back to my bank account on file.  I was told that it would be done in 2-3 days.  The number I called is the one on the back of my credit card:  XXXX XXXX.  This is the XXXX  XXXX  Bank of America credit card customer service number.Since XX/XX/XXXX, I have called 11 times and talked to multiple agents who are very nice always apologize and say they will look into it and "accelerate" the issue. Every time I call, their estimate of when it will be done gets longer. It went from "2-3 days" to "5-7 days", to "7-10 days".  It has now been 13 business days.  The last agent I talked to was a top supervisor at the XXXX  XXXX  Bank of America customer service number . She apologized for the problem and said it would be resolved by the next day.  That was 4 business days ago and this still has not been taken care of.
Consumer complaint received 2019-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

Neltnet is my loan servicer for my student loans stopped ACH payments back in XX/XX/XXXX and sent me an email saying my school was under investigation. I was told I would hear back in XX/XX/XXXXon the determination, I was told to not worry about making future payments. I then received an email Nelnet in the last 30 days informing me that my loan was placed into forbearance and that no payments were due until XX/XX/XXXX. I immediately contacted Nelnet to inform them that I did not request nor did I want my loan to be in forbearance and asked them to have ACH payments re-established. I had to ask to be transferred to supervisors multiple times as each representative told me there was no way this could happen. I was even told at one point if I wanted any documentation I would need to get a court subpoena and that I had requested the forbearance back in XX/XX/XXXX. To which I again asked for documentation and was told to call the Borrower Defense to repay hot line. I did so and was informed they had NO record of me submitting any application for discharge/forbearance. I immediately called Nelnet back again and was informed that they could now lift the forbearance . I asked for an email or mail confirmation of this and was told I would see something in the next few days. These calls took place on XX/XX/XXXX. I then asked to file a claim to waive all interest accural since Nelnet stopped was the one who stopped processing my payments and this was not at my request. On XX/XX/XXXX I recieved another call from Nelnet , by a reprensative named XXXX   stating that Nelnet could not inianiate ACH payments  again until XX/XX/XXXXbut I could go online or mail in payments. This was not the resolution I had been told when speaking with XXXX  and XXXX  with Nelnet on XX/XX/XXXX. I then recieved an email from Nelnet informing me to go online with Nelnet and fill out an application for REPAYE program. Again, this was not at my request. I had been making monthly payments and been in good standing with this loan for years. In addition to making my montly payments as scheduled and on time. In addition to this my mother had been making overpayments on the account as well. There is no explanation as to why I was ever placed into forbearance without consent and this is unacceptable behavior on the part of Nelnet. I will be following up this with a complaint to the Attorney General and a complaint has already been sent to FSA. Students should never be railroaded in this manner.