davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

XXXX, XXXX XXXX
Consumer complaint received 2019-09-04
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. (MN)

I need my XXXX XXXX on credit report to state current. It is reporting negative on XXXX, XXXX, and Equifax from the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,
Consumer complaint received 2022-11-09
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. (CA)

This is my other 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 ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5300.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital one credit card company suddenly restricted my credit card in XXXX with no credible reason. 
I tried to reactivate it, I sent them All the documents they asked me for how ever they went on to refuse activation. 
Also they refused to allow me to redeem my earned rewards that accumulated over the last 14 years, I believe it was just a ploy to usurp my hard earned rewards.
Consumer complaint received 2021-08-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

The XXXX Credit Bureau is reporting inaccurate information on NISSN INF LT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

Hello my name is XXXX XXXX. I have made a complaint numerous times to Coinbase the company to remove the restriction on my account and let me have access to my money but they have ignored me for almost 2 years with no solution and I have about XXXX in my account that I want to take back and but they are being very scammy. It is almost impossible trying to reach a live agent to help you solve your problem its so bad I have night sweats and headaches trying to get my money out and I have been stressed for 2 years trying to find a solution please help me!!!
Consumer complaint received 2021-08-31
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. (FL)

My name is XXXX, Experian membership ID XXXX. On XX/XX/XXXX my credit report updated reflecting that Ive paid down my credit cards. My credit utilization went from 50 % to 30 % after paying down my credit cards, shockingly this resulted in my score to drop of XXXX points!! There were no other activities on my report for the last 3 months. When I contacted Experian for an explanation they blame FICO and advise for me to call FICO for explanation. The credit model and algorithm is discriminatory and INACCURATE! Sadly, until the government comes with a different scoring model, well be at the mercy of these CRAs inaccurate reporting and scoring models. I need a full investigation and explanation as to why my score dropped after paying down credit cards from 50 % to 30 %.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have requested to have an address deleted and when I get back the results, it says, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX '' but the address has not been deleted. 

I also had another dispute where I asked to change my address to my current address at XXXX XXXX XXXX, XXXX, IL XXXX. I got results that it was changed but it still shows an incorrect current address.
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (WA)

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

I purchased as backpack from XXXX for {$180.00} on XX/XX/year> and I never received the product. So I went directly XXXX to get this fixed and they did a trace for 6 days and were not able to locate and provided me with a full refund In the amount of {$180.00} on XX/XX/year>. I waited required 3 to 7 business days and after not receiving it I contact XXXX who says they issued it the same day of XX/XX/year> to Regions Bank, this contact was made on XX/XX/year>. So that same day of XX/XX/year> I contact Regions Bank and I explain the situation to them, they stated because I had to get a replacement debit card due to it being lost on XX/XX/year> I believe, they choose to reject the refund and that I had to file a dispute in order to recover my funds. So I had to file an unnecessary dispute even though the bank saw I was approved the refund and blocked it anyways. I asked why it wouldnt the bank accept it via my checking account and I was never given an answer from them. So now Im at the mercy of Regions Bank and I have to wait 10 business day from XX/XX/year> if Im gon na be granted a refund that is rightfully mine.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

My mother passed away on XX/XX/2021 and I was named personal representative for the account. I contacted Wells Fargo in XXXX to ask what documentation they needed to change the address on the account to mine since we were selling the house. They told me they needed a written request to change the address, the death certificate for Mom and the document showing I was named personal representative for her estate. This information was provided on XX/XX/2021 and I received a letter from Wells Fargo on XX/XX/2021 that they had received the information and would start reviewing. 

We sold the house on XX/XX/XXXX and Wells Fargo received the payoff on XX/XX/2021. The new owners received the payoff acknowledgment letter from Wells Fargo so I called to ask why the address had not been changed yet. I was then informed that the request came under the Successors in Interest rules and could take up to 45 days to review. The employee did confirm that all required information was received, but had not been reviewed. I knew an escrow check was owed to Mom 's estate and asked them not to mail to the address on file since we no longer own that house. They could not agree to this and would not confirm if an escrow refund was due ( although I was able to obtain this information through their automated system ). I was told the review would be completed by XX/XX/2021. 

On XX/XX/2021, I received a letter stating they needed additional time and the review would be completed by XX/XX/2021. I called on XX/XX/2021 to inquire about the status and after speaking with 5 employees ( each transfer supposedly to someone who could resolve this issue ), I still don't have a resolution. They told me " their hands were tied '', " the delay was due to COVID '', " they are not sure when it will be resolved '', etc. They continue to tell me they can't give me information on Mom 's loan because " the account hasn't been updated to authorize me ''. While I understand the need to confirm the information, I don't understand why they haven't reviewed the information within the last XXXX months, but continue to mail information to strangers although I have asked them several times to stop mailing to that address. Based on their automated system, they mailed the escrow refund check on XX/XX/XXXX, but the new owners indicate they did not receive it ( but could have cashed it - I don't know these people ). I have a huge issue with WF continuing to mail personal information to strangers while insisting they are protecting mom 's information. 

I feel like WF is using COVID as an excuse to not comply with the Successors In Interest rules. They received full payoff and did not lose any money on this account so I don't think they care about helping me.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (CT)

On XXXX XXXX XXXX XXXX XXXX XXXX  came to my home to fix a clogged basement drain. They stated that the problem was a collasped sewer line and that the bill would be {$8000.00}. toXXXX. the price soared to XXXX most because of unnessary work. I was never given a opportunity to get another estimate for as XXXX was telling me the problem the electric company arrived to paint digs lines. I was advised that XXXX XXXX would be apply for credit for me. On XX/XX/ I was confronted by the tech on the job that I needed to handle the bill. I advsed him that XXXX was suppose to handle it. He kept his vehicle in place not moving it so I could go to work. On XX/XX/ I received a call at XXXX XXXX  that the tech was outside and would stay until I dealt with the final payment. He came and called XXXX of XXXX XXXX  and opened a account for 28.99 %. ON XX/XX/ I received mail that XXXX XXXX XXXX also opened a card on Fortiva retail Credit. I have no idea about that account or what is charged on it. As of this time I have neither seen a bill or anytype of accounting of this Job. I have no idea how many accounts have been open. I believe that XXXX XXXX XXXX engaged with both Fortiva and XXXX in a scheme to of preditory lending.
Consumer complaint received 2021-08-31
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX/XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NC)

I paid off my lease on XX/XX/2021. I still am not in possession of the title that proves I now own the car ( as of XX/XX/2021 ). US Bank claims to have sent the title on XX/XX/2021, but I never received it. After 50+ phone calls to US Bank and a complaint to the Consumer Financial Protection Bureau , US Bank finally requested a duplicate title from the NC DMV on XX/XX/2021. The duplicate title request was mailed from the NC DMV to US Bank on XX/XX/2021. I called US Bank on XX/XX/2021 and the representative confirmed they received the duplicate title on XX/XX/2021 but said nothing else has been done and they seemed unaware that I am still awaiting on documents. The letter in response to the Consumer Financial Protection Bureau did not give me the name or number of any specific person to work with to close this issue. Every time I call, I start from square one with someone who has no idea how to help me get this resolved and no one seems to know how to escalate it to anyone who knows how to complete the process.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (FL)

I disputed two dismissed bankruptcies on my Experian report. Experian told me that I needed to dispute the bankruptcies with XXXX. I disputed with XXXX and they were removed. Experian still did not remove them. XXXX disputed them with Experian on my behalf and Experian STILL would not remove them.
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Consumer complaint received 2021-08-31
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: V and H Portfolio (IA)

Vance Huffman is a debt collection company who bought debt that was opened in 2009 this account has been on my report for 10 plus years they keep renewing the debt and will not remove it how is this legal how is it okay to bully a single mother?
Consumer complaint received 2021-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I got a letter dated XX/XX/XXXX from SLS saying that they sold my HELOC to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX.Original loan amount was {$180000.00}, Date of loan was XX/XX/XXXX. SLS do not own my HELOC any more. Still SLS trying to collect money total {$340000.00} by XX/XX/XXXX. After that it will be {$420000.00}. SLS sent email to XXXX XXXX XX/XX/XXXX and collection letter to my address XX/XX/XXXX again. We filed the Chapter XXXX on XX/XX/XXXX and discharged XXXX. We no longer have a legal obligation to pay it and creditor has no right to collect it. This is FDPCA violation to send email to XXXX XXXX and my home address. A cease and desist letter. Stop collecting from us. Collection of discharged debts prohibited. Creditor is not permitted to collect a debtor. 
Colorado debt have a statute of limitation of 6 years. Once the statute of limitations passes the debt becomes time-barred. HELOC maturity is 10 years. XXXX  XXXX XXXX opened HELOC on XX/XX/XXXX and sold it to XXXX XXXX XXXX XX/XX/XXXX. When we filed Chapter XXXX XX/XX/XXXX HELOC was under XXXX  XXXX XXXX  XXXX  XXXX XXXX  {$180000.00}. Since Chapter XXXX it was discharged XXXX. By XXXX, we had a loan modification from XXXX  XXXX XXXX, there was only one loan no other lien. XXXX  XXXX XXXX sold it to XXXX XXXX XXXX on XX/XX/XXXX there was only one loan no other lien. When we tried to refinance with lower interest rate, SLS popped up. I believe SLS is SCAM.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have unauthorized inquiries on my credit report. I called equifax numerous times and they still have not removed the inquiries. I demand the inquiries be removed immediately as they are in violation of the FCRA.
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (WA)

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

Flagstar bank is refusing to remove pmi after paying down balance to 79 % loan to value owed. Will not use appraised value from XXXX and trying to make me pay for a brokers opinion fee. Was told it would be handled in 3-5 days but they continue to just resend my request to processing which takes 14 business days every time instead of just removing the pmi.
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX  Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello, my name is XXXX XXXX, I am from XXXX with XXXX XXXX. 
I have problems with the Coinbase company since I have the account blocked and under review for more than 6 months. 
I have tried to contact them many times and they close the disputes automatically and the result is always the same. 
I wanted to be able to recover around XXXX in cryptocurrencies but I can't since my coinbase account is blocked I hope I can get my money back and I'm writing here since I'm in a situation where I don't know what else to do. 

Really thank you very much and I await your response.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Did a Refinance. New loan paid off a Wells Fargo mortgage. The title company collected an extra $ XXXX-odd from us at closing over the actual existing loan balance. They forwarded it to Wells Fargo. Wells Fargo posted the payoff on XX/XX/21, but back dated to XX/XX/21 as it should have been. Today XX/XX/21, they advise it may take up to 30 days for them to return the extra, unneeded, $ XXXX payment to us. This is an unacceptably long time to make a refund when they know the amount today. There are no documents to review, just a check and their own records, which of course are all computerized. If the consumer pays a mortgage payment late, there is a significant penalty. 

Does the CFPB have the authority to direct Wells Fargo to make an immediate disbursement to me? And can it set a rule that payoff overages must be disbursed within 4 business days, please?