davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (IN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXXXXXX, XXXX ( acnt # XXXX, ) XXXX ( accnt : # XXXX ), XXXX & XXXX ( accnt # XXXX ),  XXXX & XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXI , XXXX XXXX. Please help me.
Consumer complaint received 2019-10-10
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-08-21
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BMO Bank, N.A. (IL)

I have applied for HARP Refinance with BMO Harris Bank. I was told you are eligible for HARP Refinance by Loan Officer. And gave me closing cost around {$1100.00} and 3.75 % 20 year. But Bank processed my application as conventional loan. And in closing statement they charge huge amount of money. I did n't close my refinance loan. I asked for refund {$490.00} which they charge for deposit but no response from bank.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (NC)

My husband and I have owned a condominium unit in XXXX XXXX, NC since XXXX. Our unit is covered by a XXXX XXXX policy, which includes, among other things, commercial coverage and flood insurance. This XXXX XXXX policy is renewed every XXXX. Our unit has a mortgage held by Truist Bank. Each year, the bank requires proof of flood insurance coverage. Each year we provide proof that the coverage has been renewed by uploading the new policy onto XXXX website. Each year, Truist replies that it is unable to proceed with updating the policy information and makes a vague statement about whether the date of the submitted documents are current. The policy submitted is always the current, renewed policy. Truist never supplies any list of what is missing in our submission, probably because nothing is missing. The policies submitted have always been renewed and current, showing coverage for the year, as requested by Truist. Each year since XXXX, we have had to go back and forth with Truist submitting the same documents showing current coverage until finally, after months of aggravation, stress and unnecessary wrangling, Truist accepts that the submitted documents do indeed prove current coverage. Although Truist provides a phone number for insurance questions, there is no option to speak with a living human being, and none of the other options is relevant. At least once, in XXXX, Truist tried to force us to pay for an insurance policy that it imposed on us, despite the fact that we already had and had provided proof of adequate flood insurance coverage. Last year I filed a complaint concerning this charade and, due to the CFPBs intervention, Truist accepted the insurance documents we uploaded without the usual dragged-out drama. I am hoping for the same result this year. I can not fathom why Truist engages in this parody each year, but I suspect it must have something to do with the banks hope that it can foist off expensive insurance policies on at least some of its customers. At any rate, I have attached the two insurance documents provided by our insurance agent and uploaded to Truist 's site, as well as Truists response. I am hoping that, once again, the CFPBs intervention convince Truist to read the documents submitted and accept them as sufficient to show insurance coverage, as they have in the past, albeit after months of wrangling.
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

Please see the attached validation of debt letter that was sent certified mail to United Revenue Corp on XX/XX/209 requesting validation that this debt belonged to me, specifically a document with my signature on it. The last name on the letter they provided is not my last name. Furthermore, the letter, which I have also attached, does not provide any information ( a document with my signature ) or proves this debt belongs to me.
Consumer complaint received 2019-10-10
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)

In XX/XX/2019, I requested TransUnion XXXX XXXX. XXXX XXXX   XXXX XXXX XXXX to remove an inaccurate consumer name reported on my credit report. The report indicates a name XXXX XXXX XXXX. It is an incorrect name. Also listed is XXXX XXXX, XXXX XXXX XXXX XXXX ... these name are inaccurate and TransUnion has failed to remove the  inaccurate names as I properly included verification of my identity, I have not received any updated credit report. This is hindering me from establishing credit. The dispute has gone over 90 days without an update and still remains reported on my credit file. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2019 Trans Union dropped my credit score by XXXX points and refused to tell me why unless I paid them for it. No other credit reporting company has dropped my score.
Consumer complaint received 2018-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (TX)

We joined & RV Park in XX/XX/XXXX& cancelled the membership back in XX/XX/XXXX. The contract reads if you do not pay dues your membership is cancelled. This was a very unsafe park for seniors. We spent a few days there back in XX/XX/XXXX & the manger got into fist fights in front of our RV as well as all kinds of cars into this park all hours of the day & nite. Not a safe place for seniors. There has been no dues paid to this park since XX/XX/XXXX. No contact what so ever with them. A few weeks a go they found this shady collection agency & they took the account & are now have put this our credit reports for {$330.00}. The statue of limitations ran out on this 4 years ago. This alleged debt is was opened in XX/XX/XXXX. The statue of limitation in Texas is 4 years. This collection agency is totally illegal. Its been at least 8 years since there was any contact made with this RV park. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Halsted Financial Services, LLC. (CA)

I have received multiple calls from this company called " XXXX XXXX '' threatening me with lawsuits. XXXX of their reps a lady said she was outside my door to serve me and wanted to verify my address. I told her I do n't know who she is and to go away. She started yelling that I was going to get sued. 

I got another call spoke to a guy XXXX XXXX at XXXX who called me a dirtbag because I asked to stop receiving phone calls and threats and if they wanted to communicate with me to write me. He refused to give me the real name of the company which I found out is HSC litigation but I do n't know how true that is. They refused to provide me with an address so I can write and ask them to stop the harassment. 

They continue to call excessively with multiple calls within an hour from different numbers XXXX, XXXX, XXXX. Pretending to be my clients. Threatening me that I will be served between XXXX and XXXX and yet no one has served me. They are rude and vicious. I can see how they can send anyone into a panic phase with all these threats. 

They refused to give me a court case number when I asked for XXXX. They go from saying I have been served to I am going to be served to there is a court case against you. They have refused to provide me with an address so that I can write to ask them to stop harassing me and my family.
Consumer complaint received 2024-05-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MN)

This is a follow up to to a previous complaint about direct express ( cfpb complaint number XXXX XXXX ). I was reassured that if I turned in the dispute forms before the due date I would be reimbursed for the transactions. So I turned in the dispute forms and a letter from my XXXX ( which shows XXXX XXXX XXXX XXXX XXXX  when the transactions happened ) before the due date. I was given a provisional credit for the disputed amount however on XX/XX/year> that provisional credit was reversed. This credit was reversed without any notice to me ( no email, no letter, no phone call ) and now i am facing disconnection of my utilities because I was not given any time to prepare for the lack of funds. Even though I DID NOT make or authorize the charges that I disputed. While at the XXXX  my purse was stolen and I filed a police report. I called Direct express on Friday XX/XX/year> to discuss the reversal and the women was cruel and unkind and made me feel stupid. I firmly believe that Direct Express is using my XXXX XXXX and XXXX XXXXXXXX to their advantage. They are bullies and thieves! I demand immediate action and the refund of {$290.00} that direct express has stolen from me!
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2019 I was in the process of purchasing a vehicle. I had done my homework and had a pre approved credit approval from XXXX XXXX XXXX XXXX, when I went to the dealer I explicitly told them not to run my credit through their system ( min of 6 times ) that I had secured financing and gave the dealer the letter from XXXX XXXX. Approx 45 days later I get an Online alert that a hard inquiry from XXXX XXXX had been run for travel and entertainment, I had no clue so what that was so called XXXX XXXX and asked who and what authorized this inquiry, they replied the auto dealer had and that I should dispute the inquiry if I didn't authorize. I traveled to the auto dealer ( twice ) and asked why my credit was run other than to speak directly to XXXX XXXX which I did authorize but at that time I re emphasized NOT to run my credit through their system and I was assured and re assured it would not happen. The dealer said XXXX was their " captive '' finance co and that is why it was run..but should not have been run and they would see what they can do to fix it, so far, nothing. 
My issue is XXXX XXXX  is blaming dealer, XXXX XXXX XXXX ( dealer ) is blaming XXXX, their system and XXXX XXXX. I want this Hard Inquiry removed, it was fraudulent and has damaged my credit.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX Has Listed 39 Opened Accounts. FALSE. 

XXXX Does Not Indicate That I, The Customer, CLOSED My XXXX  Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Bank is suing me for the credit card debt, which I tried to rectify with them multiple times. 
They enrolled me in a program to which I did not consent, shared my financial data with a third party that I did not authorize, started charging me cash advance fees when what I was trying to do was stop paying overdraft fees on my checking account to which I notified a banker to resolve and has not been.

1. I never signed up for the Credit Protection Plan and I was charged fees, including the interest returned for that program. They shared my information with some third party who I have never heard of or authorized to have access into my finances. 
XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX  {$37.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX {$37.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXXXXXX XXXX {$36.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX {$35.00} XX/XX/XXXX : {$35.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$38.00} XX/XX/XXXX : {$38.00} XX/XX/XXXX : {$38.00} Total YTD ( not counting previous years ) on Credit Defense : {$300.00} 2. There was an error with cash advances on my account which was not corrected : The cash advances were authorized without my knowledge and I have so far been charged with. 
Cash Advance Fees : XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$180.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX : {$11.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$170.00} Total Approx ( YTD, not including the charges from XXXX ) : {$1300.00} 3. Interest Charges on Purchases XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$5.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$6.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$6.00} XX/XX/XXXX : {$1.00} Total Approx ( YTD ) : {$19.00} 4. Late Fees XX/XX/XXXX XX/XX/XXXX LATE FEE {$27.00} XX/XX/XXXX XX/XX/XXXX LATE FEE {$37.00} XX/XX/XXXX XX/XX/XXXX LATE FEE {$27.00} 5. Overdraft Protection Fees : XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$12.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX ( additional ) : {$20.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$20.00} Total Approx ( YTD ) : {$130.00} Several attempts were made by me unsuccessfully to work with the bank to rectify these errors- I called and E-mailed several times, met with the banker in XXXX, NJ. They never returned my calls and while the banker agreed to look into the issue, they never did. 
The last E-mail for which I have not received a response, was sent on XX/XX/XXXX. 
On XX/XX/XXXX, they delivered a summon for the lawsuit through a third party. 
I need this to be resolved, I believe that Bank acted unethically and even possibly criminally. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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 ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC. (MO)

on XX/XX/XXXX, between XXXX and XXXX my XXXX XXXX XXXX was repossessed, I had filled a bankruptcy in XXXX and dropped it and refilled in XXXX due to loss of job the above-mentioned car was in the case. Santander is the lean holder, I called Santander as soon as I found out where the car picked up, I spoke with different people each time i called, I have the name and employee numbers, XXXX # XXXX I was told that the Santander was notified on XX/XX/XXXX, when they did the " sweep '' that bankruptcy was dismissed on XX/XX/XXXX, Santander is saying I owe {$3000.00} on the loan, I was never contacted by Santander that money was still owed on the car, she also told me that default letters was sent out in XX/XX/XXXX, and XX/XX/XXXX, the bankruptcy was still in effect so therefore I would not have received anything from them as I was " protected '' HOWEVER come XX/XX/XXXX, I have not been contacted as I owe anything else on the car I asked if the call had been recorded and the all the people I spoke with stated all calls are recorded XXXX admitted that it has been over a year since they received the information that the case was dismissed and Santander should have contacted me, THEY DID NOT, they reposes my car with NO letter of default or right to cure property, on the call I requested to know the date of the letter that was sent and no one could tell me because it was made, mailed or sent. It has been a whole year and no I have no car and they are refusing to give me information as to where the car is or how to retrieve it. please help XXXX XXXX my cell. PLEASE HELP
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

chase bank close my credit card account for no reason, then reported it to my credit report. They never reach out to me to let me know they was closing the account.

I have a balance of {$29000.00}. I am willing to pay the balance but I want it removed off my credit report. It is a business credit card it should not be reporting on my personal credit report.
Consumer complaint received 2019-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

My Capital One credit card was compromised sometime in XX/XX/2019 There were several charges on my XX/XX/XXXX bill which I did not make. I called Capital One and they agreed to remove the charges and send me a replacement card. They sent me a new card and removed some, but not all of the charges. 
Because they remained on my card ( and I didn't pay them because I thought they had been removed ), I was charged late fees and interest. I have letters from Capital One about removing the charges. 
I called again and was assured that the late fees and charges would be removed and I would owe only {$1.00} in interest which I paid. However, my next bill did not reflect the promised removal and in fact more late fees were added on. I called again and was told the same thing, and again, my last bill ( XX/XX/XXXX. ) had more late fees added on. 
My most recent call was XX/XX/2019 and I talked to 3 different " account specialists ''. I was told 1 ) that again that the charges had been removed ; 2 ) that the charges could not be removed while I had a balance due 3 ) that the charges would be removed and they would email me verification of that. I checked my email numerous times and never received anything. After being put on hold, they told me I had to have online banking to receive an email. I then asked for something via regular mail and they said they would send that out and it would take 10 business days.

Bottom line, they have been giving me the " run around '' and I am not getting anywhere with these numerous calls..This last call was especially frustrating as I was told 3 different things by 3 different people.
Consumer complaint received 2019-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

XX/XX/2019 I called Capital One to upgrade my credit card to a rewards card but was told I had to make new application which I did with him during that call giving authorization to pull credit inquiry. A couple weeks later I recieved letter requesting me to provide my current 1099 which I did then I recieved letter of denial citing too many recent inquiries. When I checked all three bureaus Capital One appears on XX/XX/XXXX ( authorized by me ) and again on XX/XX/XXXX ( not authorized by me ). They just need to remove the XX/XX/XXXX inquiries from all 3 credit bureaus but can't speak with anyone authorized to help with this issue