davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (FL)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Consumer complaint received 2018-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

equifax and XXXX both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX
Consumer complaint received 2023-02-10
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)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed an online dispute with TransUnion on XXXX XXXX to have the XXXX account balance verified and validated. I also attached a copy of my mortgage statement to serve a proof of the balance. I received a letter in the mail XXXX XXXX, 2016 file number XXXX that the XXXX account was deleted. I contacted TransUnion at XXXX at XXXX and spoke with XXXX. She denoted the account was suppressed and was unable to add the account back to my credit report although it was their error it was deleted.I proceeded to ask how did they verify the information and if it was verified it would not have been deleted given I still have a balance with my mortgage company. Furthermore, what parameters do TransUnion have in place when they delete something by mistake so they can add it back? Also, what recourse is provided to the consumer when TransUnion has caused a drop in their credit? Why did n't an updated credit report accompany the investigation results? None of my questions were answered to my satisfaction so, I requested a supervisor and was transferred to XXXX who had a very nasty disposition. I asked the supervisor if they could put the deleted information back on my report. In addition, what recourse do they have when they make an error and make a consumer credit score go down? How do they remedy their wrong? I was informed it was nothing they can do because they do n't contact the lender it is my responsibility. Why, am I having to correct the error TransUnion made? 
I called XXXX and spoke with XXXX at XXXX in which she transferred me to XXXX in the Credit Bureau Specialist Unit. She verified XXXX received the electronic notification on XXXX XXXX, 2016 and sent a notification to respond to the correction on XXXX XXXX, 2016 but did not request a deletion. XXXX denoted she would attempt a reinstatement which takes 3-5 days but it is no guarantee it will be added to my account given it was deleted and provided me with a case # XXXX for the XXXX account.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WESBANCO BANK, INC. (PA)

The account was closed about 10 years ago yet solicitation is happening in a XXXX family member 's name. 
See attached letter : To whom it may concern : This is a fifth request to stop sending emails to XXXX XXXX at XXXX. She did not request any insurance information at any point since 2014. She is XXXX The multiple attempts to stop the emails is a secondary concern to the fact that almost 10 years later, the insurance sales got her information from WesBanco!! I was told XXXX obtained the information and is sending the emails. How would they ever get his old information especially when the account was closed due to death? The continued emails and inquires reveals a highly flawed security concern. I highly suspect a security breach is involved as well. Therefore, I am sending the incidents to XXXX XXXX XXXX XXXX and the Consumer Finance Protection Bureau for further investigation. 
The security issue is not my only complaint. It is very upsetting to receive these emails and have to make calls to ask to stop the correspondence. I am XXXX, so the energy to retrieve the documents and call to ask for removal each time is burdensome. Therefore, I am billing you a service fee of {$200.00}. I waived the first occurrence as respect but with 4 additional incidents ( 3 within a month today 's time ), I will no longer waive the charges for my valuable time. Payment can should be sent to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Consumer complaint received 2022-12-15
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. (WA)

This is my 3RD endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2022-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

Experian, XXXX and XXXX all we notified by the CFPB of disputed information on my consumer report, but none of the three companies responded within the 30 day timeframe given by congress. This is against the laws of the FCRA.
Consumer complaint received 2019-07-11
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: CAINE & WEINER COMPANY, INC. (MT)

Hello so we had a used car business in XXXX operating under a LLC. We moved out of state a year ago. We had a floor plan for used car dealers to buy inventory for resell with a company called XXXX ( XXXX XXXX XXXX ). My grandmother who passed away XX/XX/XXXX of this year who co-signed this note, and I signed. We had a issue with one car left on our floor plan. They have plastered this information all over our PERSONAL credit reports. XXXX removed the item several months ago, and just yesterday it was reinserted on my credit report ( s ) I have already mailed documentation to the three major CRA 's but XXXX  and XXXX do not want to remove the item. I am pretty much at my whit 's end with this. I have since obtained my license in the State of XXXX, and I am trying to get my business back up and running after over a year. The collection agency is Caine and Weiner.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was charged a cash advance fee for a transaction that I didn't approve. I immediately contacted the company ( Capital One ) and spent over an hour on the phone with them. I was told that I was unable to either receive the transaction itself credited back, or the cash advance fee.
Consumer complaint received 2019-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I closed my Citi Thank You Preferred card on XX/XX/XXXX via a call with the CSR. It was very productive, and they helped me pay off my balance and close the account. 

About one month later, on XX/XX/XXXX, I got an email saying that my closed account was past due, and I owe a payment of {$35.00}. This was a surprise to me, so I called the CSR ( employee ID XXXX ) and they said they could only help me pay and could not help me dispute the late fee. Additionally, they could not tell me the schedule for the fees I had been charged, or when they were set to increase, so I am very confused and am unsure what my options for resolution are. Additionally, they will not let me set up an online account since my card has been closed, so I can't even check the statement!
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (CA)

Multiple unauthorized hard inquiries on my credit report within a couple months time. 

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 Employment on XXXX is listed as XXXX XXXX which is not correct.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (RI)

While on vacation in XXXX during XX/XX/XXXX a vendor that my wife and I bought a 80 purchase from. While there the vendor still had a hand held device that was used to read card only no screens or info showed.The vendor when we left tried to access a transaction through my card 3 times. XXXX that Td bank stopped. XXXX that td bank put through and the next day XXXX that td bank stopped. On the XXXX when I got to the resort and checked my account cause family that was with us got hit for fraud for XXXX and there bank stopped it I called my bank in USA and had my branch stop my cards.myself and branCh managers filed 3 complaints for obvious fraud and all were denied. There was obvious fraud 3 times 2 in which TD bank stopped. Bank managers were even dumbfounded.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

XX/XX/2020 We paid the debt directly to XXXX XXXX XXXX. We were assured all was paid and they would immediately have it removed. 
We had no idea we still owed them we went to another insurance company. 

Now 11 months later I get an alert on my credit of a collection agency saying I owe them {$130.00}. 

This debt should have never been on my credit and now it's effecting us greatly.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: STATE FARM BANK, FSB (NC)

I contacted state farm XXXX VIA EMAIL XXXX XXXX to get the following Claims history all payouts claims Vehicle history Policies So I could review for any suspicious activity after pulling me credit on XX/XX/XXXX due to being denied credit and loan And researching transferred monies and notify them of my again identity theft XXXX was great she sent me the attached profile of my claims but she stated she needed to request the claims info details and where all the checks were issued addresses sent to etc to and who what dates and she would send me the I go asap Then she stopped communication XXXX with me all of a sudden after I requested why my XXXX XXXX XXXX claim was labeled closed. 
I need the reason why this claim states closed Who closed the claim ( because I stated I would probably make a claim on it ) the prior claim is opened from XXXX I thought maybe they labeled it incorrectly ) and details and who the XXXX XXXX dollars worth of checks were sent because I did not receive XXXX XXXX dollars. 
Also I need the list of all my vehicles due to my identity theft ( and my marital asset hearing coming up soon ) ) I reported XXXX XXXX XXXX and then to federal trade commission ) vehicles on my policy since existence XXXX for review for fraudulent activity. 
State farm also put a insurance inquiry on my credit in XXXX under XXXX XXXX   stating for insurance underwriting ... .no response ... they deny the inquiry .even though I sent it to them numerous times. 
State farm XXXX Illinois finally after a complaint with the office comptroller and state insurance bureau a piece of paper with a single entry stating XXXX payment {$2000.00} that's it no reason for my claim stating closed or a copy of my vehicles and vin # s history and no copy of my policy at that time. I was with state farm XXXX XXXX since XXXX. And then in XXXX changed to XXXX state farm on XXXX XXXX XXXX XXXX va
Consumer complaint received 2018-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one Credit Card shows i have had three credit cards with the company too my knowledge i only open 1 card i have disputed other 2 as fraud even with all three credit breau with no help or prevail please assist why are cards keep being opened if deliquent cards exist makes no sense
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc. (VA)

I recently requested with LenderFi this past XXXX to have XXXX  removed from my current mortgage I hold with them. Removal request documentation was received and I responded to it promptly, and an appraisal was ordered. A house inspector came on XX/XX/XXXX and sent results off to an appraisal group that LenderFi is using on the XXXX. Unfortunately, all progress has come to a halt on LenderFi 's end. I have yet to get any status on the XXXX  removal request beyond being told to continue waiting for the appraisal to come back. 

I have tried contacting LenderFi three separate times by speaking with customer service to get a status update. However, I keep getting the run around and told to check back in two weeks every time I call. Last time I spoke with a customer service rep on XX/XX/XXXX, I was told to continue waiting until XX/XX/XXXX. Unsure how an appraisal should take this long considering if this was a house purchase this would be totally unacceptable, yet when its the bank that stands to lose monies collected for XXXX  its okay to be dragged out for months.
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding is reporting to my credit report that I owe over {$5000.00}. I never recieved any proof that this is my account. I would like a copy of the original contract stating that this is my debt
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am a XXXX XXXX years old disabled senior with major medical issues. In XX/XX/XXXX I suffered a XXXX XXXX XXXX, losing 30 % of my XXXX. I have XXXX XXXX XXXX, I am in XXXX XXXX, have XXXX  XXXX in my XXXX, causing incredible pain. This XXXX issue caused me to have a XXXX  XXXX implanted in me. The XXXX divers not XXXX, but the stronger XXXX : XXXX. In XXXX, we refinanced out home with Wells Faro under a Stated Loan Program in order to fund improvements to out home. At that time We were given aproximently a 6 1/4 % interest rate at the time. Since then, even after the XXXX crash, when interests rates plunged under 1 %, we were continually denied a refinance on out wildly inflated interest rate. At the point that I had my XXXX XXXX, and was thus prematurely retired from work. This out incredible strain on my wife, who overnight became the sole breadwinner for out house, with me and my college age son unable to contribute. At that point, we became delinquent on our mortgage payment due to the absurdly high interest rate that we were systematically denied for for years. We were continually denied after we explained out hardship to Wells Fargo, XXXX that put us on track for an unethical foreclosure. After numerous attempts to contacts Wells Fargo, we have been bounced around over the phone dozens of times, our hardship letter has gone totally ignored, any request for postponement or leniency has been met with silence until last month we were alerted of a sale date on our home. The NPV that is calculated by the Department of Treasury, we are told, gives us a XXXX or so on it, and while no one will give us any info as to how that is calculated, we have been told it is the main reason we can not refinance. This entire situation occurs because of a XXXX XXXX XXXX I underwent. We we're never delinquent before that occured, not once. I am physically unable to move from this house due to my health and this situation will lead to my early death if we can not get it resolved, and it will be wholly due to the unethical, immoral, XXXX disrespectful way Wells Fargo has handled This. Please help in any way you can.
Consumer complaint received 2024-06-04
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX my American Express card # XXXX was hacked and three amounts were charged to XXXXXXXX XXXX in the amounts of {$660.00}, {$470.00}, and {$440.00}. Since those amounts were immediately added to my card balance, Amex acknowledged the hack and refunded those three amounts to my account. HOWEVER, two days later Amex told XXXX that since the charges were fraudulent, they would withdraw their payment to XXXX. That leaves me with nearly {$1500.00}. in charges with XXXX which they have told me to pay if I want to continue using my account. Amex says they've refunded the amounts to my account. I say that since they did not ultimately use my card to pay the false charges, they have paid nothing but simply moved money in and out of my account while leaving the false charges unpaid. If I want to reinstate my XXXX account, I must now pay the about {$1500.00} in charges that, Amex is responsible for since they were made on their hacked card. I think Amex owes me the total of those three amounts, i.e., {$1500.00}.
Consumer complaint received 2022-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked at auto loan quotes on XXXX XXXX. XXXX XXXX XXXX gave me two offers for with different interest rates ( they told me they did one via XXXX XXXX  XXXX and the other via XXXX XXXX   XXXX ). The problem is since these were two auto loan quotes given on the same date ( XXXX XXXX ) by the same dealer ( XXXX XXXX XXXX ) for a new car, it still shows as two different inquiries. Both these inquiries fall under the category of " Automobile Dealers, New ''. Based on the effects of shopping for auto loan per CFPB : Any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry ( XXXX XXXX   XXXX ) But still these are showing as two separate enquiries on XXXX XXXX by transunion, your help will be greatly appreciated to resolve this problem.