davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (VA)

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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint against TransUnion for failing to respond to my dispute letter regarding inaccuracies on my credit report. On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my report. I also disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. Despite providing all the necessary documentation, I did not receive any response or investigation results from TransUnion. Subsequently, I sent another dispute letter to Transunion dated XX/XX/XXXX. Despite my clear and thorough request, I did not receive any response from Transunion with investigation results. 

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as mandated by the FCRA. 

I am including a copy of my dispute letter sent to TransUnion and proof of delivery as evidence. I am now demanding that TransUnion immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, NY,XXXX. I purchased a Microwave Cabinet and it was delivered to my home. Upon arrival we noticed it was too large and did not fit in my home, the merchandise was taken back in exchange for a smaller one. That said I never received a smaller Microwave Cabinet and my bank ( chase ) continues to send me statements given I paid for this with my credit card. I have been going back in forth with Chase and XXXX XXXX  XXXX XXXX store for months and have been getting the run around. After filing a dispute with Chase XXXX XXXX XXXX XXXX stated that a smaller Cabinet was sent to my home but this is 100 % FALSE. I never received the smaller cabinet and am still paying my monthly credit card statements for a product I don't have, in order to sustain my credit score. 


Attached is the resolution they sent Chase, indicating that a smaller cabinet was delivered which did not happen. They also state that I will only be charged the cancellation fees which total {$230.00}, but the total balance they intend to charge is still {$430.00} broken down by {$340.00} for the cabinet and an additional {$90.00} for the smaller cabinet. I think its injustice to charge me this amount given I did not receive any goods in exchange. I am XXXX years old and have very limited social security income, I can not afford to spend {$340.00} on something I did not receive.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC. (TX)

My husband selected the wrong amount to pay on the XXXX Card on the app. So he paid over {$11000.00} to XXXX Credit Card when only {$1100.00} was intended. Our checking account had {$5500.00} when the {$11000.00} payment went through. Instead of rejecting the ACH to XXXX, Ally Bank paid it. Now my bank account is -XXXX. We have a saving account with {$5300.00} at the same bank that is now on hold because of the negative balance in my checking account. And only will be released when the checking account is made whole. 
I know I can request XXXX to return the extra money, but that can take up to 9 days according to their customer service department. I called Ally on XX/XX/2019 at XXXX to find out why in the world they paid for that ACH. I spoke with XXXX first, then to a person who said she was XXXX 's supervisor. I tried to get her to spell her name but all I could hear was the first three letters XXXX. The supervisor refused to spell her name again. She is also supposed to send me the policy via email and US mail that covers why that happened. So far, no email from this supervisor. This supervisor could not quote the policy of her bank for my situation. She also disconnected our conversation before I could answer the phone survey Ally Bank offers after every phone call. 
I want to know why Ally put us in this situation. They have made it impossible for us to resolve this with our own money. Did they follow their policy? Or did they intend to loan us {$5700.00} with no payment schedule and no access to our money?
Consumer complaint received 2019-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank reposed the vehicle and has left the loan balance on my credit report. When I purchased the vehicle, a week after I had been driving it, they sent me and added a $ XXXX Finance charge, that was never discussed at the signing table.
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone open a Walmart charge card in my name from XXXX to XXXX and it is showing on my credit report on 3 credit cards bureaus. Needs to be immediately from credit report. The account # on my XXXX credit report is XXXX.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America bank did not response to me on resolve my last case on opening account or reopen account. They called me when I was at work. I called them some days multiple times when Im off or have some time to do. I need this resolve asap!
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 (CA)

Sometime last year, someone did fraud on my savings account they took out about {$1500.00} XXXX XXXX, I can't remember dates but it was upsetting to find out that Wells Fargo could not help me on this, I lost that money due to fraud. They hack my phone and my savings account. I had to close my account and open a new account. Wells Fargo said that I gave sent the money to them, which they are wrong. I hope you help on this. 

Thank you XXXX XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

They closed my account due to fees for my account like Bank fees or deposit fees or stuff like that it was like a monthly fee for your account and it went up like to like XXXX something dollars I haven't been able to use my account or deposit any money or even be able to open another account at another bank because of this problem
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

I was Notified by On Line Information Services regarding a debt from XXXX XXXX in the amount of {$570.00}. This claim is erroneous as I have never had any interaction or account with XXXX XXXX. 

This amount must be owed by another person with the same name. I have lived in the same home for 18 years in XXXX, Ca and have always used XXXX California XXXX. 

I have account information that that substantiate my account history. My name is very common, and On Line Information Services has made a mistake by attempting to collect against the wrong person.

I am requesting that On Line Information Services please provide me with documentation proving that the debt is mine and efforts to locate the correct person. Please also provide full information and the address of the location for which they claim I owe the debt. Please also include a copy of the original signed contract that allegedly indicates I have contracted with XXXX XXXX for services. 

I do not owe this debt and it is likely that another person with the same or similar name rightfully owes this money.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TN)

I took advantage of a promo offer from Shop Your Way Citi Credit Card that was between XX/XX/19 XXXX for 10 % off Online purchases. I made 4 purchases on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They have gave me credit for 3 of the purchases and the one in question that I have not received credit for is the one on XX/XX/XXXX for {$380.00} for XXXX, which I made online. Citi is claiming that it was a phone order but I have the receipt where I ordered it online. Citi said since XXXX reported it as a phone order that they refuse to give me credit for this purchase. I had made a call on XX/XX/XXXX and talked to a manager and they said they would issue me credit for this purchase on XX/XX/XXXX. I called today and now they are saying its XXXX 's problem. I think I did want the promotion offer specified and are due {$38.00} for the XXXX purchase online. I have no control how they report the charge to Citi, either online or phone order. But it was purchased online. Any help you could give me in this matter would be appreciated. I have enclosed a copy of the order that clearly shows it was from XXXX
Consumer complaint received 2023-01-23
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)

Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hi, I am the mortgage holder of the home property at XXXX XXXX XXXX California where I lived between XXXX. The mortgage was transferred under my name when modifications were done to fit government federal rules on home mortgages. 

I was awarded Wells Fargo XXXX ( reward ), a special program which allows talented high school students to be awarded a home mortgage. 

Now, about thirty years later, the bank has been postponing in notifying about the current status of the home mortgage. I have been sending frequent communication to the Wells Fargo home loan department without getting an answer.

I urgently request that you investigate this matter as I have been told by many neighbors that this could be a scam. 

XXXX XXXX
Consumer complaint received 2023-01-23
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. (TX)

Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

last year about this time i checked my credit report and i discovered that this unknow acct was placed on my credit report on all credit bureaus, apparentley it has been there since XX/XX/2016 i immediatley contacted all 3 major bureaus and explained i have no knowledge of said account i was prompted to dispute the inaccurate information and to contact the company i did explained that i dont even know anything about a XXXX XXXX XXXX, and this reporting is inaccurate and negativley impacting my credit score by placing a derogatory mark on my credit score. 
needless to say all info was verified by data furnisher. I have tried to dispute this over and over and the results are still the same.I would like to file a complaint with CFBP because i feel i have exhausted all measures to get this inaccuracy remove permanently from my credit report and history as well.. 
The Name of this company and address is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX USA I would really like to get this issue resolved and deleted immediatley from all credit bureaus.. Thank you
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX Date XX/XX/2020 2020
Consumer complaint received 2021-11-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

i reported to the credit bureaus XXXX, XXXX and XXXX that the account of XXXX was a fraudulent account. I submitted disputes on XX/XX/XXXX and XX/XX/XXXX, XXXX deemed the account as fraud and removed the item from my credit report. I placed disputes for XXXX with the two credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the account were completed and deemed to stay on report. I called and reached out to the XXXX  on XX/XX/XXXX and the representative agreed there was information in my file stating that the account was deemed to be fraud in my favor and the account was to be removed off my file in XXXX. The representative the stated he sent a message to the department that was in charge to take off the issue. I then requested to have something in writing and he stated that there was nothing he can provide via email or mail. I stated this is troublesome to me because i been getting the run around and i needed something tangible to have for my records in case of future issues. He became frustrated so i requested to speak with a supervisor. He transferred me and when she was on the line she gave me a whole different store of not having a remove request on my credit report and that there was no fraud disputes on file that i had to actual start one with her. At this point i create one with her and reference the new FTC report i had to create because of them not having my information on file from the past. This company is very unorganized and i am very concerned that they are not trying to accommodate my concerns with this fraudulent case. 


As for portfolio recovery services I placed disputes for two accounts ( XXXX and XXXX ) with portfolio recovery services and the credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the accounts were cleared to be removed off my credit reports but for some reason they are still reporting on my transunion. I spoke to a representative on XX/XX/XXXX who has agreed that both accounts are requested for deletion to the credit bureaus which they also stated they would send me copies of this information with 5 business days in unmarked white envelops.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

I opened a dicover credit card inXX/XX/XXXX. It is no interest if you pay the minimum money every month. And it start to charge me the interest from XX/XX/XXXX. Without any email notice or statement, I didn't received the statement. When I find the interest charge, it already been charged for 4 months. I think it is okay for discover to charge the interest but they need to inform me by email or app notice instead of just silently charge the interest. I realized it and paied all the balance. But I still want to argue for the interest they charged on my account with no notice from XX/XX/XXXX. 
I think it is their abligation to inform customers of changes of interest policy. 

Thanks!
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights I only have XXXX account with XXXX  and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX  the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (CA)

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I had a Wells Fargo account a few years ago and it was closed due to fraudulent charges is what they told me. They took money from my account and it was negative and then they closed my account with no explanation XXXX not sure the exact dates but if we could move forward I can get all the information