davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MN)

I filed a credit card dispute with Wells Fargo VISA for {$1800.00} on XX/XX/16 for a dining table that I purchased from XXXX XXXX XXXX. The table was defective and not what was promised to me by XXXX designer. The merchant returned the table but was charging me a 30 % restocking fee, which by law is wrong. I received notification from Wells Fargo that the dispute investigation was completed on XX/XX/16 and my claim was declined stating, We are unable to obtain a refund on your behalf because your dispute falls within the merchants pricing and policies, which we have no authority to change. I not only didnt get the 30 % restocking fee refunded, but Wells Fargo did not recover the money owed to me for the returned table. I question this outcome with many phone calls and many reinvestigations were done by Wells Fargo and they continued to responded Theres nothing more we can do. They stated I would have needed a 3rd party who works with furniture to verify the table was defective. So, I contacted Signature Designer Services the company that delivered and picked up/returned the table and obtained a letter from them verifying the table was defective. When I attempted to submit the verification letter to Wells Fargo, they stated I missed the deadline of XX/XX/16 and said the case was closed. Wells Fargo told me I would need to get the refund from the merchant on my own. I took the merchant to small claims court for my refund. At court, I was given papers from the merchant showing she had arbitrated with Wells Fargo, which I was unaware of. The merchant told the judge in court she won in arbitration and I recovered {$0.00} from the court. At home, I looked closer at the arbitration papers and noticed there was no arbitration ruling only pre-arbitration. I called the Dispute Resolution Department so I could get a copy of the arbitration ruling but was told there was no arbitration ruling. They stated Wells Fargo missed the deadline and failed to turn in the needed documents on my behalf, which resulted in the case being closed. The pre-arbitration information clearly states Wells Fargo failed to receive sufficient documents from the merchant to prove her side and they were proceeding with arbitration. This dispute was never arbitrated but closed because of Wells Fargos failure to submit the documents needed on my behalf. Wells Fargo lost arbitration because of their own mistake and then recharged my account the {$1800.00} I was refunded during the investigation. I should have been refunded the money from the dispute and should not have to pay for the banks failure to do their job properly. This is dishonest and unethical.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (DC)

Hello- I am trying to remove the escrow account associated with my mortgage. I have contacted TD Bank, who services the loan and escrow, about this multiple times. I called customer service three times : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they asked me to submit a letter with e.g. account details and details about the request. The second and third times they said there was no record of having received a letter nor of the previous calls I made. 

I delivered the letter to them three different ways, all of which the customer service representative suggested. The first ( XX/XX/XXXX ), I gave the letter to a local branch. The second, I mailed via USPS. The third I emailed to them directly. 

I've received no communication back from them and don't know how to move forward with this. Any help would be very much appreciated. Thank you!
Consumer complaint received 2022-02-22
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. (GA)

I have attempted to have ( 2 ) DISMISSED XXXX XXXXXXXX BANKRUPTCIES removed from my TRANSUNION credit report.TRANSUNION previously removed it in early XXXX but has since reinserted the information in the derogatory section. I have even provided a letter from the US Bankruptcy Court ( XXXX ) proving that they do not sell information to XXXX or an agency or third party associated with TRANSUNION. On XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX I filed a dispute, and all I received was a not saying verified. I asked for a written procedure of how this information is verified but TRANSUNION has not. MY next step will be filing a lawsuit in XXXX or XXXX XXXX Georgia if this information is not removed immediately.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NY)

XX/XX/2019at approx XXXX XX/XX/XXXX, I withdrew {$400.00} from the ATM in XXXX XXXX XXXX, and that the machine glitched because i had organically asked for {$600.00} but was denied ( was not on the receipt they sent me ) the ATM is owned by US bank, the money was never dispensed from the ATM machine, I filed a complaint with my bank XXXX, and they investigated, after the investigation US bank showed a receipt that the money was dispensed but it wasn't. anyway I asked them to check the video, after getting the run around of who has the video and speaking to to someone at Ballys, US bank, who said they dont have access to the cameras, HOW DO YOU NOT HAVE ACCESS TO THE CAMERAS?????? to check and see that the money didn't come out, anyway after all the phone calls and writing to a few places that was recommend by better get XXXX from XXXX, I have now been sent here. since nobody seems to be able to help me, which i find ridiculous, even when I spoke to someone at US bank he said he doesn't know if they can even access the cameras, UNREAL hopefully u can help me resolce this issue, I have since been back to XX/XX/XXXXXXXX and have withdrawn money from thier ATMs with no problems.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

So I paid money for services wanted to quit services after first payment, then after month was taken money out of account again, ,called again to cancel service, then they actually got two months of service and took out another round of payments,,, I reported them to this agency, then two days later they suspended my account with still nothing done to credit fix,,, I could have paid off two of the creditors what I paid them, ,are you going to let these people pray on people,,,????
Consumer complaint received 2021-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am a victim of identity theft. Due to the XXXX XXXX Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-05-10
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: FIDELITY CAPITAL HOLDINGS, INC (GA)

XXXX  is reporting a collection that does not belong to me. I have contacted XXXX now 4 times about the fraudulent collection account and still have not heard back from anyone. I have provided XXXX a copy of my recent police report and told them that the collection is not mine. I have also contacted Fidelity Information the collection agency reporting the fraudulent information and neither of them have responded. I have provided both company information about the fraudulent item, as well as a police report and neither company has taken any action to block the fraudulent account from my credit file. 


The following collection is Fraudulent FIDELITY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and I want it removed from my credit file, this is as a result of identity theft.
Consumer complaint received 2022-02-22
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: JPMORGAN CHASE & CO. (MI)

This account with JPMCB CARD with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I was alerted when a fraudulent charge was made on my Citibank credit card in XXXX. Someone used my number to make a strange charge in a state I have never even visited. I called immediately and they sent me a new card and said the charge would be removed. It appears that they credited the amount, and then they mistakenly added that fraud charge again! So the fraud charge amounting to {$250.00} is still on my account. 

I have called repeatedly and talked to a number of Citi employees ( internationally too ). I have always paid my account in full every month. The Citi employees kept reassuring me that I was not responsible for it, and the problem would be fixed by the next billing cycle, so not to pay the fraudulent charge. I have paid my legitimate purchases and subtracted the fraud charge, as I was told. But it kept appearing on my statements. 

The Citi employees that understand the problem are not able to fix it, and refer me to the security department, where employees can't seem to see that the charge is on my account twice, and argue with me about it. Where is the customer service backing up the assurances that customers will not be responsible for fraudulent charges? 

The last time I called I asked for a mailing address so I could send a letter and a copy of my account charges from this year ( from their own website ) to explain and hopefully reach someone that will clear this up. I mailed the documents, but haven't heard anything back. This is now XXXX. I have lost all confidence in Citibank, after having a credit card with them for years. They just keep passing me around to various departments, wasting loads of time, and no one removes the fake overcharge. And now they are adding interest to it! Their slogan " Citi is at your side before, during and after every purchase - Your Citi Team '' means nothing.
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

RE : XXXX for Title Max - I received a collections call today, XX/XX/2019 from Title Max collections department claiming that they were authorized by TMX paralegal XXXX XXXX because she has not received any of the official legal documents from enforcement or other authorities validating my claim of ID Theft ( no money in the bank ) and my need for a hardship consideration and payment arrangements. Her dead line to receive these documents was stated in her XX/XX/2019 letter was due by XX/XX/2019. I faxed all document on XX/XX/2019 ( w/ fax receipt confirmation ). I did email these very same documents a week or so prior to the letter and fax request by XXXX but was informed that Title Max legally could not accept emailed documents only faxed or mailed hard copies. The fax contained 7 pages including police report and affidavit and the letter attached to this CFPB online follow up for Title Max.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-03
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct 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 XXXX
Consumer complaint received 2022-02-22
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. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXXXXXX XXXX XXXXXXXX Balance : {$80.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have attempted to have an inaccurate bankruptcy account deleted from my Transunion credit profile on 2 various occasions ; XX/XX/2021 and on XX/XX/2021. I did so by requesting validation and method of verification of where this report was coming from on XX/XX/2021 and Transunion failed to present that information to me, only telling me that the account was verified WITHOUT providing me ANY documentation stating how this was verified nor who furnished the information. I asked again for this validation on XX/XX/2021 and also provided proof from the United States Bankruptcy Court of Eastern Wisconsin stating they did not verify this information and a statement from XXXX XXXX stating they deleted the erroneous record from their report as this record is not verifiable. With this bankruptcy not be verified, this account should be deleted. On XX/XX/2021 I received notice again from Transunion that they verified this information once before and would not reinvestigate NOR did they send me any documentation stating how or who verified this erroneous information. I am beyond appalled at this point and am seeking some resolve as this is impacting my credit tremendously.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

Comenity bank for XXXX 's clothing store ( credit card ). My bill was due on XX/XX/2021 for {$35.00}, I paid the account off in full on XXXX. In XXXX I get a report from the three credit bureaus regarding I have a late payment on my credit. I called Comenity Bank and spoke to XXXX XXXX # XXXX. She explained the above information to and said I owed over {$50.00}. I asked her again how is this possible when I paid if off on XXXX, the rep says well you didn't call to tell us your were paying off the {$35.00} so on XXXX your account was charged {$4.00} interest. I said on a {$0.00} balance? she said yes. I am floored at this point, if I paid this off how can you charge me interest? Not to mention she said this was paid off before my bill recycled. I asked her to remove the late fee that is now on my spotless credit record, she said she can't do that and does not know anyone who could. I asked to please waive these charges and take this off of my credit, she said she will wave the charges but i had to still pay {$14.00} to pay if off and if I am ever late again that amount that was waived would be re-applied to my credit card balance. WHO DOES THIS?
Consumer complaint received 2022-02-22
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 have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Consumer complaint received 2022-02-22
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. (MI)

I previously sent my written request to Equifax about removing this information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of this inquiry or have Equifax get back to me with regards to the issue. Here is the inquiry that concern me : XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2019-07-30
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-06-12
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: EQUIFAX, INC. (NJ)

Equifax had reinserted a negative item back on my credit report. They failed to notify me in within 5 business days. That is against the law. I was informed on 7 day that the negative item has been reinserted on credit report. I sent them the compliance letter on XX/XX/2021. The date that they sent me the letter was on XX/XX/2021. I just got it in the mail today which is XX/XX/2021. 

Here is the information of the negative item-US Department of Education-XXXX