davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (VA)

Around XX/XX/2020, I contacted Wells Fargo about trouble paying as the result of financial difficulties from COVID 19. They said they would wave my late fee 's and interest on the credit card, as well as work with me through the pandemic. They also said they would defer my payments. However, a couple of days latter, Wells Fargo reported me to the credit bureau for late payments and closed my credit card account. I called again on XX/XX/2020 and they said that deferment was suppose to happen, but no one took action on it. The person I spoke with said they are going to talk to their manager and work out the issue.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

I'm currently facing a frustrating situation with Robinhood. Here 's what happened : 1. Account Creation and Initial Transfer : I opened a Robinhood account and transferred {$4700.00} into it. 
2. Unexpected Account Restriction : Right after setting up my account and before I could make more than two transactions, Robinhood restricted my account. They did not provide any explanation for this action. 
3. First Attempt to Resolve the Issue ( XX/XX/XXXX ) : Concerned, I called Robinhood 's customer service. They conducted a series of identity verification questions and assured me the issue would be resolved promptly. 
4. Second Call from Robinhood ( XX/XX/XXXX ) : Ten days later, Robinhood reached out to me, repeating the identity verification process. They said it would take time to review, and that my account would remain frozen when they review, meaning I couldn't trade or even withdraw my funds back to my bank account. 
Current Dilemma : I'm left in a bind because Robinhood is holding my {$4700.00} without any legal basis, effectively locking me out of my own funds without the ability to use or retrieve them. 

This ordeal has left me feeling powerless and seeking answers about my rights as a customer and Robinhood 's accountability in managing accounts transparently.
Consumer complaint received 2023-05-27
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX
Consumer complaint received 2023-05-27
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX  : {$2600.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-04
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: PNC Bank N.A. (PA)

Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks
Consumer complaint received 2020-04-14
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. (GA)

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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, and XXXX/XXXX  reported to Experian that I applied for credit in which I never appled for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and name corrected on my report as this is a violation of my consumer protection right.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (OH)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
To Equifax Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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 whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I received alerts notification XXXX XXXX that I had a new inquiry on my account. I immediately called Capital One to dispute the inquiry. Capital One told me to take it up with the credit bureaus. I told Capital One that it was there company that filled the inquiry and therefore they needed to remove it. 
Then on XXXX XXXX another inquiry popped up. I followed the above steps. 

After filing disputes, freezing my credit reports, and requesting fraud alerts, I even emailed the CEO of Capital One about the matter. 

I am in the credit repair stage and I have not been trying to get any tupe of credit cards. This is a fraudulent inquiry.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (NC)

I am the XXXX XXXX XXXX  XXXX and trying to assist Mr. & Mrs. XXXX in collecting their money from Direct Express. Mr.XXXX  is an XXXX year old veteran and has been deemed incompetent by the VA. His wife XXXX has been named his fiduciary. 
In XX/XX/2011Mr. XXXX began receiving service connection benefits from the VA. He had these funds deposited monthly to a Direct Express Card. Due to his forgetfulness he put the card up and did not tell his wife he was receiving the money. His wife did not realize what was going on until I began to work with them. These benefits have been accruing since XX/XX/2011but XXXX XXXX refuses to give his wife access to the account since she is not on the account. As per their instructions I sent XXXX fiduciary letter, marriage certificate ( wife ), birth certificate ( wife ), NC Drivers License ( wife ), copy of original Direct Express Care and VA payments screens. Direct Express said that was not good enough and hung up..Direct Express requested to speak to Mr. XXXX but he is in a memory facility and deemed incompetent. Direct Express is not willing to help at all!. I even asked how to add his wife to the account and they hung up on me. 
Any assistance you could give would be helpful. Mr. XXXX desperately needs these funds to pay for his XXXX home care. 
The VA is unable to assist because the funds were deposited correctly. 
For additional information you can reach Mrs. XXXX at XXXX
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (LA)

I investigated incorrect information on my credit file with Equifax. 
Equifax allowed XXXX XXXX and XXXX XXXX to change the date of the last payment that was received. I requested for Equifax to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.
Consumer complaint received 2020-06-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Auto illegally added CPI coverage to my auto stating I didn't have auto insurance. So there are checks owed to me going way back to XXXX one being XXXX and another XXXX give or take a small amount of change. I have spoken to really seemed to be caring representatives more than a month ago who stated the checks have been requested. Again, in Wells Fargo XXXX XXXX is to again ignore my request and have me wait after 3 long years they are still dragging their feet to complete their efforts and show lack of care. I would think after all they deceptively taken with risk based loan financing for indigenous people. I would be sure to receive my uncashed checks that were never sent. I had to call and do the numbers and look through much paperwork to document all is well and it wasn't!!! Like what is it going to take???
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (OK)

I settled a debt owed to XXXX/XXXX through a third party collection agency dynamic recovery solutions on XX/XX/2020. I have disputed this with the credit bureau and webank/fingerhut still shows this account as being owed. I have contacted both companies and I need this settled in full trade line removed from my credit report
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX, PennyMac received a payment in the amount {$4800.00} from HAF. When they received this payment, they were supposed to apply that amount to my past due balance of {$4800.00}. Instead of applying the funds as such, PennyMac took only {$1500.00} of that money and applied it to the monthly payment and then they took {$2900.00} and applied it to principal reduction and then applied {$340.00} to late fees. I spoke with PennyMac and told them that when I spoke to a manager at HAF, they told me that they never told them to apply the funds that way. That money was specifically for the past due balance and then they sent {$1500.00} every month after for 18 months to cover my mortgage payment. I spoke with a manager at HAF again and he told me to file a complaint with CFPB because PennyMac is not being honest with the money that they received for my mortgage payments. I would like a full investigation to be done because when looking at the payment history, it shows that PennyMac applied funds to principal reduction instead of my regular monthly payment MULTIPLE times. I would like the money that was supposed to be applied to my mortgage payment to be applied correctly and immediately. PennyMac is showing that I am behind on my mortgage payments due to their negligence on applying the funds the correct way.

I also spoke with HAF and they told me to send them proof of PennyMac saying that they applied the funds the wrong way. I also sent PennyMac a letter from HAF stating that those funds were specifically for my mortgage payment. 

I spoke with PennyMac on XX/XX/XXXX and XX/XX/XXXX and I spoke with HAF on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, someone bought XXXX  gift cards for {$190.00} each from XXXX company. He/She/They paid with my credit card capital one platinum through XXXX. 

I tried to fix this issue with XXXX, XXXX, and Capital One Platinum credit card however, none of them have wanted to take responsibility. 

On XX/XX/XXXX, capital one platinum made me XXXX  charges for {$190.00} for XXXX  purchases from XXXX to pay the XXXX company. Then, I called them on XX/XX/XXXX to clarify that I didnt the XXXX  purchases for {$190.00}. So, capital one platinum made the XXXX  adjustments for {$190.00} each. 

On XX/XX/XXXX the credit card XXXX  capital one platinum made the XXXX charges again for {$190.00} each. So, I called them again on XX/XX/XXXX and they made the adjustments again to remove the XXXX charges for {$190.00} each. 

On XX/XX/XXXX, the credit card capital one platinum made me XXXX  charge adjustment for {$190.00} again. 

On XX/XX/XXXX, I called them to clarify that capital one platinum again made me a charge adjustment for {$190.00}. Then, the credit card capital one platinum removed the charge adjustment for {$190.00}. On the one hand, capital one platinum made XXXX  credit adjustments for {$190.00} each. However, the same day on XX/XX/XXXX, they ( capital one platinum ) made XXXX  charge adjustment for {$190.00}. 

On XX/XX/XXXX, the credit card capital one platinum again made me XXXX  charge adjustment for {$190.00}. So, I called them again to clarify that charge but the fraud supervisor told me that they had made the final decision not to remove that charge because they have proof from the XXXX company that I made the purchase from my home. I told the supervisor to send me the proof but she replied no and that the payment will not be removed.

I called them ( capital one platinum ) again on XX/XX/XXXX, to fix the issue but they arent willing to negotiate anything. I told them that I am available to pay the full amount with the condition that capital one platinum removes the charge for {$190.00} because that purchase I did not. Also, they remove the interest rate charges from XX/XX/XXXX, because I tried to fix this issue and capital one platinum has been negligent in not investigating and doing its job by taking the easiest way, charging me with the fraud that I did not do.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

I have a severe brutal case of identity theft. I lost all email access to my email accounts. Being. Locked out repeatedly 30 days at a time. I would have never stopped working on my right to privacy and fair business practices and my rights to equal opportunity. Which have all been violated. I have no correspondence from Wells Fargo that I have two accounts that are open for criminal activity. Had I not initiated the investigation to correct my information by visiting a Wells Fargo branch in XXXX Georgia. On XXXX XXXX I visited a Wells Fargo branch in person to find out there are accounts with my daughter social security number and my name and birthdate and address. All the while I was never made aware that there were any suspicious activity going on for years. All while denial of applications and deceptively adding on unauthorized fraud XXXX product, XXXX XXXX  to cause me to end up loosing my vehicle and everything I worked hard for to end up with nothing. Its XX/XX/XXXX XXXX I wonder why and how long I can be judged based on identity fraud impersonation to go unquestioned?!?!? The case investigation is attached. Also, its really disturbing to be denied my rights to privacy and no platform to protect the customers. I dont know if I can trust that Wells Fargo will do the right thing! Im XXXX XXXX  and I dont want to bring XXXX into this but I cant be dishonest about my rights are being violated because of my XXXX  There is no other explanation for this behavior and its being ignored.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :