davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MA)

To Whom It May Concern, I am writing to you to make you aware of the unethical practices of US Bank headquartered in US Bank XXXX XXXXXXXX XXXX 
XXXX. MN XXXX. 

I have communicated with them on several occasions ( ongoing for about 2 months ) regarding my forbearance due to Covid-19 and each representative I have spoken to will not provide me with the information I am looking for. I have consistently paid my mortgage for 5 months now and none of those payments show up in my account as being paid. There has been several representatives that have verbally confirmed that I have been taken out of forbearance since I have been making payments consistently. However, the funds have been unapplied '' to my account. I have requested that the forbearance status be removed on several occasions now since I have been making my monthly payments on time. I am currently going through a refinance and originally I was told by US Bank representatives that they would provide me with a letter stating that I am out of forbearance so that I am able to proceed with my refinance and lock in a rate. Fast forward to now, XX/XX/21, I was on the phone with XXXX XXXX, one of their supervisors who insisted that she was not able to help me and provide a letter? So, now I am not able to lock in a great rate that will save me money and proceed with my refinance as planned due to their negligence and stringing me along for months to prevent me from refinancing elsewhere. 

Please let me know if you require any additional information. If they are doing this to me I am sure they must be playing this same game with many of their other customers. 


Regards, XXXX
Consumer complaint received 2021-02-18
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)

Since XX/XX/XXXX I have been requesting that equifax provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical consumer contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every dispute was investigated by equifax and the results were " verified ' and updated, however equifax did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XX/XX/XXXX original amount {$4700.00}, # 6 XXXX XXXX open date XXXX XXXX original amount {$790.00}.
Consumer complaint received 2021-02-18
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. (NY)

On XX/XX/2021 I sent a letter regarding innacurate and unknown things on my credit report and have still not received a response. I believe I am being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 so the accounts should be removed. I request that these accounts be removed immediately as I have been stressed out over this situation and will file for litigation if the items remain on my report.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Someone stole my mail and was able to access my bank account information and charged my business debit card and charged a couple transactions and several attempts later Wells Fargo bank denied my claim based on information that was completely invalid.

1. I have a police report that is very clear with respect to my identity being stolen.

2. There were multiple attempts made on my card where no funds we available to cover the transaction. The merchant then charged smaller amounts on separate dates.

3. Wells Fargo claims that my data regarding online banking was found to have been in review of transactions which is only true regarding the transaction that hadnt yet posted to the account. And despite my catching it and filing a stop payment for fraud still went through.

4. Ive now escalated to the executive office team and they have said the claim has had its final decision and they wont help me further. 

Total of these transactions are close to {$5000.00}
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (VA)

I returned a call to XXXX XXXX XXXX XXXX in response to a voicemail indicating an injunction was being filed against me. The agent for this purported law firm ( I believe her name was XXXX XXXX became angry when I didnt agree with her about the debt. She threatened legal action, made a false claim about the statute of limitations on this debt, and claimed she would close all my checking accounts within 30 days. Furthermore, she disconnected the call before I had a chance to respond. This is consumer abuse. We could have discussed the account and resolved the matter, but this agent insists on using bully tactics to get her way. I refuse to reward that behavior.
Consumer complaint received 2020-02-01
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. (TN)

I filed a complaint with XXXX  3 times already XX/XX/XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in 2003 and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XX/XX/XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.
Consumer complaint received 2021-02-19
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: U.S. BANCORP (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and US Bank and XXXX XXXX. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-19
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: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, XXXX sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to XXXX was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with XXXX multiple times in XX/XX/XXXX to resolve this issue, it was determined by XXXX that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to XXXX, along with a copy of the XX/XX/XXXX letter from XXXX that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the XXXX payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the XXXX leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that XXXX verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by XXXX.
Consumer complaint received 2021-02-19
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. (MS)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, XXXX sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to XXXX was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with XXXX multiple times in XX/XX/XXXX to resolve this issue, it was determined by XXXX that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to XXXX, along with a copy of the XX/XX/XXXX letter from XXXX that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the XXXX payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the XXXX leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that XXXX verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by XXXX.
Consumer complaint received 2021-02-19
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: Experian Information Solutions Inc. (CA)

I was denied employment with XXXX XXXX XXXX insurance in XX/XX/XXXX for a position as a agent due to the incorrect credit reporting information from on the credit bureaus. I have multiple write offs from multiple lenders and that should have been taken care of XX/XX/XXXX. This date is when I was working through a credit agency that sent multiple disputes to clear many inaccuracies of the reporting charge-offs. Due to covid I was denied many jobs and housing ( denied mortgage ). The information being reported is incorrect as far as dates and account information. How should I go about remedy this situation? 

God bless!
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$340.00} US DEPT ED XXXX Balance Owed : {$0.00} PORTFOLIO RC XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX/CAPONE XXXX Balance Owed : {$340.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-19
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: SYNCHRONY FINANCIAL (GA)

approx XX/XX/2020 i contacted paypal about a refund credit from a retailer just to see if it had posted, the custsvc agt asked if i had received the new card issued automatically from paypal mastercard ( ppl ) I said no, cust svc said no prob we will reissue, i never reported card stolen lost or fraud, the agent reported the card as lost stolen fraud and it is listed on my credit report this way along with approx 3 replacement card numbers which also shows on credit report as though i have 3-4 accts with paypal as oppose to the one which has a XXXX limit. Mind you this acct was paid in full and none of these replaced cards were ever used by me or anyone else, i tried to have the credit bureaus update and show only one paypal acct and to remove this closed/fraud/stolen/lost due to the fact that the acct was still open ( as i prefer ) with a zero balance. they could not correct so i contacted cfpt but the problem has gotten worse, today i was told by paypal the acct is now closed due to fraud ( i always paid, had this acct for years, and i opened it myself ) they are stating now that it was fraudulently opened and i would need to reapply. i am concerned with what has happened here
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WFDS XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-18
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: FIRST NATIONAL BANK OF OMAHA (CA)

There are inquiries on my credit reports on XX/XX/XXXXand XX/XX/XXXXthat do not belong to me I have not approved nor inquired for these accounts. 

XXXX XXXX XX/XX/XXXX - Inquiry date : XX/XX/2021XX/XX/XXXXXXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX - Inquiry date : XX/XX/2021 XX/XX/XXXX
Consumer complaint received 2024-03-21
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. (TX)

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX. ) XXXX XXXX XXXX XXXX XXXX ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but TransUnion is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CT)

RE : SYNCHRONEY BANK BP VISA Dear Synchrony Bank : I had inquired about my BP visa card being over the limit. I made a payment on the XXXX which is my billing end date and the account was over the limit. I am requesting you update my credit card balance and dispute my account. You must list my account " disputed by consumer '' Failure to do so will constitute a violation of the FCRA. 

My credit score went down 56 points as a result of the interest charges that led my account to go over the credit limit. 

Please contact me at XXXX XXXX Sincerely , XXXX XXXX
Consumer complaint received 2021-02-19
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. (CA)

XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/2019, I called American Express and asked to pay off my balance and close the card. I spoke with XXXX at American Express. She took my bank account information and processed the payment, which would bring me to a XXXX balance. The amount paid was {$2400.00}. She confirmed that my balance was now {$XXXX}. The confirmation number she provided was XXXX. 

On XX/XX/2019, my bank account showed that the payment had been processed. 

Months later, I get a phone call from American Express ( or it's credit collection company - I can't remember ... I have been bedbound in severe XXXX XXXX due to a previous and severe XXXX ). They claimed I owed them {$XXXX}. I told them that was impossible, that I had paid off that account and closed it on XX/XX/2019. They argued with me and would not accept my claim. 

They sent me paper statements showing that I owed them. Come to find out, American Express started charging me a Late Fee and Interest a few weeks AFTER I paid off my account in full. It appears that American Express FAILED to close my account as I had requested. Regardless, they should not have charged me late fees on a XXXX  balance. 

Those late fees and interest added up to {$270.00} when they - FINALLY - closed my account and sent me to collection. 

This action has ruined my credit. Because of my battle with severe pain and being on XXXX XXXX XXXX, my ability to focus and think clear were compromised. 

I finally was able to get some of my pain resolved through a medical procedure two weeks ago, so I reached out to XXXX XXXX , XXXX and told them - AGAIN - that I had paid off the account back on XX/XX/2019. I gave them the lady 's name and my confirmation number. I also uploaded a screenshot of my bank account entry showing the final payoff payment being processed on XX/XX/2019. 

It has been two weeks, now, and they STILL have not closed out the issue and agreed that I do not owe them anything. 

On top of that - like I said previously - they ruined my credit. My credit score is at an all-time low and I can not get any credit if I even wanted to. 

ACTION NEEDED 1. They need to close the issue and tell me in writing that they have removed the late fees and interest, that I no longer owe them any money. 
2. They need to report their mistake to all credit agencies, letting them know that the balance WAS paid of all the way back to XX/XX/2019. 

Honestly, they caused me so much emotional trauma - adding to my existing physical pain - because they robocalled me two times a day for about eight months!!! The stress I felt from having action taken against me where I had no power to fight for myself due to my severe condition was horrible. Shame on them. 

It wouldn't be a bad idea for them to issue a letter of apology AND pay me money for the pain and suffering of their own accord instead of me having to hire an attorney. 

I've never been treated so poorly and unmercilessly in my life by a credit company.