davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/year>
Consumer complaint received 2019-06-25
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)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Consumer complaint received 2019-06-25
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)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX** and XXXX**with XXXX Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Consumer complaint received 2019-06-25
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. (FL)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX   Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Consumer complaint received 2019-04-18
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)

XXXX XXXX XXXX inaccurately is reporting under my name, on erquifax credit reporting agency, i have been disputing for the longest time and they have not been able to help me out. i have attached my police report, please have them removed this inaccurate account from my credit file thank yoiu for your cooperation
Consumer complaint received 2017-05-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broadway Account Services (SC)

I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My checking ( and savings ) account is with CapitalOne 360. 
For the THIRD time my payments have been stopped, cancelled or rejected. Each time, I am fined, by the other end ( the company I made a payment to ), in this case it is XXXX, my electric company and my landlord or management company ( where I live! ). The last time this happened it was my student loans and also my rent payment. In ALL of these scenarios, there was in excess of $ XXXX in my account, so this is NOT an issue of lack of funds. 
In each instance, I used my account number and routing number to make these payments -- NOT a check and NOT my debit card. 

In each instance, I contacted CapitalOne 360 ( these calls are all recorded ). I was provided with a case number by the customer service rep I spoke to and then told to submit an email to the " customer relations '' department. 

In each instance, I did as I was told and submitted an email describing the situation and the fees I incurred. To date, I have received no follow up email, no reply and no assistance. 

Additionally, I was told back at the end XXXX that the issue with using my " ACH '' for payments was resolved and that I would not have problems going forwards making payments. That was false. Instead I have repeatedly experienced payments -- of a very serious nature, including my rent checks -- being returned for NO reason other than bank error. 

This has caused me great distress and numberous fees. The last time, XX/XX/XXXX, I had to spent my day physically going into a CapitalOne location and purchasing a " Certified bank check '' ( which cost me additional money, at {$10.00} PER check ) and then take that check to the management. This has been costly and time consuming and stressful! And it is no fault of mine! 

To date, no reply email with the most recent case number, has been received, nothing is ever done to correct or repair or repay me for the situation that thru no fault of mine, I find myself in. The bank refused to put anything in writing, and declines to assist me in any way other than giving me a " case number ''. And that leads me nowhere ... 

Please contact me for additional information, bank accounts, screenshots from both mobile and desktop supporting my experiences and dates.
Consumer complaint received 2023-05-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-05-23
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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  XXXX XXXX  XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX IN XX/XX/2021 XXXX  XX/XX/2021
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: COMMERCE BANK (KS)

This complaint was originally submitted to FDIC as Case # XXXX. XXXX ( XXXX ) explained the complaint was not listed in the CFPB database because it was forwarded to CFPB. 

I'm re-submitting my complaint because some of the information was re-arranged and cut-out when it was forwarded by FDIC. I also want to ensure this complaint is listed in the CFPB database. 

I want to report potential fraudulent activity by Commerce Bank in connection with a promotional offer to receive {$300.00} for opening a CommerceRelationship Checking Account. I discovered the offer after viewing an online advertisement. The URL for the offer was XXXX XXXX XXXX XXXX XXXX XXXX .... This page was likely removed because a search indicates " Page not found ''.

One case of potential fraud involves an invalid promotion code issued by a Commerce Bank representative. After viewing the advertisement, I contacted a Commerce Bank representative at XXXX and requested the promo code mentioned in the advertisement. The representative gave me the code, XXXX. I read the code back to the representative for confirmation. 

I entered my personal information in an online application. Next, I received a signature card with account number XXXX. I visited a local branch at XXXX and XXXX in XXXX XXXX to fund the account. After I provided the code to a branch representative, he informed me the code was not valid. 

I'm concerned the representative knowingly provided an invalid code. The representative may have been motivated by an incentive similar to the XXXX XXXX scandal. I'm also concerned the code was given to me in order for Commerce Bank to collect my personal information for their use. 

Another case of potential fraud may involve Commerce Bank efforts to target consumers who are unable to maintain minimum balance requirements to avoid a $ XXXX monthly fees. I suggest bank regulators investigate the target audience for this promotion and determine if they are likely candidates for being assessed fees. 

Commerce Bank responded to my complaint, however I believe their response is inaccurate and misleading. In their response, they noted the account was closed, however I continue receiving email correspondence from Commerce Bank to provide information and to fund the account. 

Since the complaint information forwarded by FDIC appears to be dis-organized, CFPB may want to re-open this inquiry open and re-submit the correct information to Commerce Bank. 

Attachments include : 1 ) Image of the online advertisement. 2 ) Commerce Bank Contact information. 3 ) PC Browsing history. 4 ) Email Correspondence from Commerce Bank.
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

First issue is mortgage company is " estimating '' entire taxes to be {$7000.00} more than what it actually is. After receiving this letter about the " estimated escrow '' we sent in a check to be applied to the escrow of {$2500.00}. Second, they are refusing to give the refund for the OVERPAID amount of escrow from the previous year. Third, ( currently ) the previous monthly mortgage payment is being put towards the bogus " estimated escrow '' and not classified as the monthly payment. This means they are now trying to charge me late fees and reporting that I've missed payment. As well as refusal to refund the OVERPAID amount I sent in to go towards their " estimated escrow '' .. 
On XX/XX/2019 I called about the inflated and false escrow issues. Was told to email all documents I received from the tax office and would hear back within 24-42 hours. As well as to continue to make " regular '' house payments by XXXX and that a request was sent about the escrow refund. On XX/XX/2019 I called back to followed up. Was refused when asked to speak to XXXX and was again trying to explain everything I already did before just for the man on the phone to seemingly not have a clue what I was talking about, but gave me an email address to send the current year and previous year 's tax documents to again.. When asked about the Escrow refund I was told that it would not be refunded and that it was put towards the interest. Again, on XX/XX/2019 I followed back up to only go through this cycle again, but with the addition of them applying the monthly mortgage to the escrow and not as the monthly payment ( even though the payment is mailed with the monthly statement payment stub ). 
I want our previous year 's escrow refunded. For the amount we over paid towards the current years " estimated escrow '' to be refunded and CORRECTED per tax documents. As well as a statement sent to credit bureaus to correct and remove the " late '' payment. For all other future payments to be applied correctly. And for monthly mortgage payments to be reduced to reflect the correct escrow and insurance amount.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

I opened my account at the end of XX/XX/2019 because of a {$200.00} sign on promotion ( I have screenshots of the promotion ) and had to have a direct deposit of {$500.00} or more within 60 days of opening the account and I will receive {$200.00} in 90 days. 
On XX/XX/2019 I had a direct deposit of {$850.00}. 
On XX/XX/XXXX I called asking why I did not receive my bonus. They told me three different reasons that were not true so I argued, they said I was right and they made a mistake in their system and they submitted a ticket. After the days I called back and was told I'd get the money that day. The next day when I didt get it I called and was told I need to wait 3 more days to receive another call. They just keep telling me theres nothing they can do and it's been a week now.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have been disputing with XXXX, Experian, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of Experian and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX, Experian, and XXXX.
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.
Consumer complaint received 2019-06-25
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. (TX)

XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the XXXX year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in XX/XX/2006, and a payment has never been made. They are private loans and are being treated as Federal, also.