davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Im contacting cfpb because my account was paid off on XX/XX/2021 and its still reporting on credit as a active account. 

I disputed the account with credit and the account was still updated with a balance of 13k when the balance has been zero for a year. 
My credit need to be updated immediately
Consumer complaint received 2020-09-15
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. (IL)

on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere. 


Thanks
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting a dispute here because I was unable to file a dispute online with XXXX and Transunion, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

I am submitting a dispute here because I was unable to file a dispute online with XXXX and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of DiscoverCard. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSWORLD SYSTEMS INC (MS)

I WOULD CALL CUSTOMER SERVICE THEY ADVISED THE PAYMENT MADE WAS OK I LATER RECEIVE A LETTER FROM COLLECTION AGENCY SAYING THEY WAS IN CHARGE OF THE ACCOUNT YET I LOGGED INTO MY ACCOUNT AND SCHEDULED THE PAYMENT AS AGREED BY THE AGENT I CAN NOT PAY THE CREDIT CARD COMPANY AND THE COLLECTION AGENCY AT THE SAME TIME FOR THE SAME ACCOUNT THIS IS TRULY AN ERROR IF THEY ARE DOING THIS TO ME THEY ARE DOING THIS TO MANY OTHER CARD HOLDERS MAKING ERRORS ON THEIR ACCOUNT AND SENDING THE ACCOUNT TO AN AGENCY AND STILL HAVE THE ACCOUNT OPEN RECEIVING MONEY NOR ADVISING THE CUSTOMER THAT THE ACCOUNT IS CLOSED OR IS GOING TO CLOSE.
Consumer complaint received 2020-09-15
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)

TransUnion Failed to Provide the Documents of Verification Used To Determine the Accuracy and Completeness of the Investigation As Required for Compliance with FCRA 611 ( 6 ) ( B ) ( iii )
Consumer complaint received 2022-09-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc. (TX)

On XX/XX/2022. Caliber home loans send me a letter stating that Im late with my mortgage payment and they will send it to a debt collector if I dont take any steps to pay. This mortgage payment is set up automatically every month. Getting this letter trigger me to send another payment. The result of this additional payment, I got charged by my bank with overdraft fees. 
Tried reaching, first on I called the following day after the mail was sent. Called again the following week try to speak to a Manager to get some answers but until today XX/XX/2022 no one has tried to reach me.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One converted my Capital One " Platinum '' Secured Credit Card to an Unsecured Credit Card. The issue I have is they intentionally changed by unsecured credit card so they could continue to bill me {$39.00} per year & exclude me from credit increase eligibility while changing the terms of Secured Credit Cards to no yearly fee & automatic credit reviews for all new applicants.

I've had my " XXXX  '' Secure Credit Card 12 years. Why now did Capital One change my card to Unsecured? They changed it so they could continually charge me $ XXXX  yearly. While new " XXXX  '' secured cardholders are not charged an annual fee. Capital One also said I would have apply for a new credit card if I wanted a credit increase. I never agreed to, or signed up for an Unsecured Credit Card. They converted my card/account without my permission. However, the most corrupt part of it all is to intentionally change my card so that I would no longer have to pay Capital One {$39.00} since new " XXXX  '' do not pay an annual. Its deceitful & fraudulent. 

I spoke to a " supervisor '' at Capital One & she was not helpful at all.
Consumer complaint received 2023-01-26
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. (DC)

In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) XXXX, XXXX, and Experian has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXXXXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX Financial Account # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate 4. DP OF EDUC Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXX XXXX XXXX XXXX XXXX  Account has been paid off This company has not license to collect in Washington DC Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXX XXXX Account # XXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

I had previously disputed this charge and got a temporary credit, in the meantime I got a new card- about a month later they took the $ back due to closing the investigation. Ive explained the situation about leaving my purse in XXXX back in XXXX. All of my information was in my purse. Upon reaching out to XXXX, which I did immediately after I disputed the charge wish CashApp, I explained the situation to them and they had agreed to return the money to the card which was the last XXXX digits to the card they made me close. The merchant agreed to the return of {$49.00} to my CashApp. Cashapp only provided the documentation saying they denied it. Ive asked multiple people via CashApp support to help me with this and they havent. This is ridiculous please help!
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

If you refer to complaint XXXX, this company XXXX XXXX  XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..
Consumer complaint received 2020-06-05
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}
Consumer complaint received 2023-01-26
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. (DC)

In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) Transunion, XXXX, and XXXX has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXXXXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX XXXX  Account # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate 4. DP OF EDUC Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account has been paid off This company has not license to collect in Washington DC Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXXXXXX XXXX  Account # XXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please Contact all Consumer Reporting Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

I am very unhappy with Wells Fargo service, in ALL departments. I tried Wells Fargo a few times, but all end up badly. 

Firstly trying Wells Fargo back in XXXX with mortgage, end up with very bad experience - spent time for the mortgage, paid all the fees, and DID NOT get the house at the end.

Second time was opening a bank account with Wells just to help my bank friend to hit aggressive goal few years ago ( before it was getting to the news and being fined because of the fake-account scandal ) - again, bad experience. 

And this time, try again with Wells Fargo credit card last year. Called Wells Fargo today to get a replacement credit card, was told my credit card account was closed for no reason by Wells Fargo. 
All credit card reward associated with the credit card account are gone as well and the rep told me there is no way to retrieve without reopening the same credit card account. When I open the card, it did not state that the bank will close your card anytime without giving you a chance to redeem your point! 

Wells Fargo Internet banking is really outdated and it is super hard to rest the password without having the actual card - unable to reset password via email or text message associated with my Wells Fargo profile in XXXX. I was unable to check my statement or doing anything using internet banking and this is the only way I do my banking. 

The only thing I hope now is getting my reward back, and I hope Wells Fargo can get this right this time. Please contact me via email or call XXXX if there is any question.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Please Contact all XXXX XXXX Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.
Consumer complaint received 2022-09-01
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. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

After applying for the Capital One Venture card ( on XX/XX/2019 ), I received a denial stating " Based on your credit report from XXXX XXXX, length of credit history ''. 

However, I have over 30 years of credit history with XXXX XXXX. I do not understand the reason I was turn down. 

I tried to get an explanation from the customer service department, but they stated that they have no information concerning this credit card rejection.
Consumer complaint received 2018-04-16
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. (SC)

Experian on report XXXX for report date XX/XX/2018 stated that two bankruptcies XXXX  and XXXX were verified by the company, while not identifying the third party company to support their verification. Experian in their illegal activities of inaccurate reporting. Instead of verifying just adds additional names, in my case XXXX XXXX to your credit profile because without that entry they couldnt falsely verify items. The fact that a company reports a name doesnt mean its factual or accurate, Experian as part of their business model has a service that verifies names to social security numbers and if such care had been taken these issues wouldnt have occurred Secondly name identification XXXX  isnt mine, name identification no XXXX, XXXX, and XXXX arent mine and unless the social security administration verifies those names with my social security number, they are falsely reported.

XXXX previously report as XXXX XXXX XXXX company rereported in violation of the statue, additional such account is associated with a name that doesnt verify with my social security number.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

I had submitted a previous complaint regarding the servicing company, on my mortgage, not reflecting payments that had been made which is affecting my credit history, credit score and the balance on my mortgage. ( as there are late charges and interest continuing to accrue ) The company did respond to the CFPB inquiry and sent a  copy to me. I responded to their request on XX/XX/2019 with copies of all of the checks that they had requested to verify that I was NOT behind on the mortgage and the account, as well as, my credit report should be corrected. As of today, XX/XX/XXXX, I am still getting calls from the servicing company stating that I am STILL behind and when I ask to speak to a supervisor I am told that they show that I sent " something '' into them but do not know what it was that I sent. Now ... .another year of interest, late charges, late payments, etc have been added to my account that shouldn't have been.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (RI)

I need a payment history showing a running balance and payments made from when I opened the account until now. I paid this account off in XX/XX/XXXX in the amount of XXXX and there is a balance and now fees due. I need a running balance history with payments to resolve this. Plus they have not followed any of the Reg F guidelines on my account. I have been working with them since XXXX of XXXX and getting no where. I feel like I need an attorney or small claims court. Just provide me with the running daily balance and payments I made to verify this amount owed.If it's mine I will pay it asap
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I had federal loans serviced by XXXX which are ten years into repayment. I was told I would qualify for the PSLF plan and to contact XXXX XXXX. I did, and was notified that my loans and employer qualified and my loans were being transferred to XXXX XXXX. Three weeks ago I received an email stating I was given incorrect information and that my 8 years of payments with a qualifying employer would not count and I have to switch my payment plan. This new plan made my payments go from {$480.00} a month to {$1100.00} a month. Clearly if I could afford this payment, I wouldn't need loan forgiveness. They would also be paid off within ten years, making the program benefits pointless. Without any notice, I received a letter today saying they decided my payments- without changing payment plans- would go from {$480.00} to almost {$700.00}. I never even requested this or had any input. I've been on hold almost an hour and spoken to representatives who state they are " unable to help me ''. As a government entity, this company is an embarrassment.