davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

XXXX Experience XXXX On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XXXX19, I tried to access bank 's website, but a message code is to be sent to a U.S. cell phone. I'm currently traveling outside the U.S. and  can't receive a code so I can't determine what my monthly payment is. I called the bank with the customer service number on the back of the credit card which is XXXX. I was given two options, press 1 to  hear a robot give me a sales pitch about a medical alert service. No human came on at the end the connection ended. I called back and pressed 2 and got another robot trying to sell me a towing service! Again, at the end the connection ended. I'm unable to make a payment because I do not know what I owe.
Consumer complaint received 2019-09-19
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-27
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. (GA)

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 : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have followed all the steps that Equifax has asked me to follow Ive went through with all the procedures customer service has failed to help me every single time I would love to get this all taken care of I have sent out in all reports somewhat not
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, I was a part of a fraud/scam using Wells Fargo 's XXXX service. 

An individual was selling event tickets in XXXX XXXX, which were presented from XXXX. The scammer named XXXX XXXX began to share the ease and security of the transaction since XXXX was a service endorsed and backed by our banks, Wells Fargo. 

The transaction occured over the phone where the scammer provided a name, phone number, and cost of the event tickets. The amount transferred was {$400.00} for 2 tickets. 

The scammer remained on the line to verify the transfer. Once verified, he said he was now ready to initiate the online ticket transfer using an email address I provided. Then he hung up. 

After calling back, I realized my number was blocked and involved in fraud. I immediately called Wells Fargo 's fraud department to help address the situation, only to be directed to filing a case number and told an investigation would take place. 

2 weeks go by and I received a letter from Wells Fargo saying they can't do anything about the matter and will not credit the {$400.00}. 

As a Wells Fargo customer for over 20+ years, the customer service experience and protection protocol for customers in these fraud situations is an absolute mess. Countless calls for help has resulted in nothing. Ultimately resulting in a process to take my banking elsewhere.
Consumer complaint received 2019-07-03
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-03
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: Nelnet, Inc. (LA)

XX/XX/XXXX I had 9 accounts through Nelnet that hit my credit report. Reporting late I had no idea that payments were due because my accounts were in deference status. Usually there is an upcoming date to remind you of payment through email. I did not get reached through email or valid address. I called immediately once I found out and they didnt see that they tried to reach me by email either for a reminder. Instead they went off public records which was incorrect due to me having identity theft in XXXX were someone obtained my information and opened multiple accounts and attached mailing information to a XXXX XXXX . Ive contacted Nelnet multiple times to see about getting the late payments removed. Ive even tried to work out payment plan if late payments could be removed. They had no way of contacting me and instead of apologizing for the inconvenience the representative basically said its my problem and it will not be removed. I had no recollection of this being late and it is impacting my credit very negative especially with me being in the process of trying to purchase a home. I can not do anything with 9 accounts showing late and its the same lender very unfair! Especially because they are not offering any type of assistance.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

I had XXXX fraudulent transactions from my Wells Fargo checking account amounting to {$730.00} between XXXX. My wallet was stolen I immediately filed a police report and disputed the fraudulent transactions. After XXXX  days, I was notified that my claim was denied after an extensive investigation. They're saying it was because my pin was used, in which I have no knowledge to how it could be used. I was also told there is no appealing process and the case is closed. The decision is unacceptable in my eyes because I have no clue how it could have been a thorough investigation after me making contact immediately and filing a police report immediately. There is nothing that I wasn't willing to do to help the investigation. Wells Fargo didn't keep in contact throughout to give an updated or communicate what could help. The decision was just made on the 10th day which seems rushed.
Consumer complaint received 2019-07-03
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. (GA)

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well 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 XXXX XXXX XXXX XXXX . I have reached out to the FTC and my local police and I am doing this on my own behalf.
Consumer complaint received 2019-07-03
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. (GA)

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well 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 AF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XXXX XXXX XXXX XXXX XXXX . I have reached out to the FTC and my local police and I am doing this on my own behalf.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-07-03
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. (KY)

Mailed a dispute letter ( certified mail ) to credit bureau disputing some unauthorized hard inquiries on my report. After 30 days did not receive and update about the dispute. I contacted the credit bureau by phone to ask of a reason why dispute was ignored. I was told hard inquires are not disputable. FCRA states ANY inaccurate item on a credit report is disputable. Company did not want to help me any way except stating I could mail a letter again. Note* I included 2 forms of identification with the letter for them to be able to locate my credit file.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX Excessive phone calls this company is incredibly obnoxious. Excessive calls make people angry it does not make them want to at all communicate with these people. I do not want them calling me ever again. They call in the early morning while I am in class, and at dinner time. 

XXXX XXXX XXXX XXXX X 2 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-09-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (AZ)

I have requested verification of my signature on something from this company thru XXXX. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. 
I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. 
I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Consumer complaint received 2022-07-21
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: Collection Bureau of the Hudson Valley, Inc. (NY)

Collection company call me asking about another person try to collect all my info then report the account to the bureau knowing they have the wrong info I ask for proof Id social never provided. They have the wrong info and they are trying to make me paid for a account that is not mine
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I recently switched direct deposit accounts to my Chase Bank checking account for my paycheck and its set to be processed for the next check. However I had to deposit a paper payroll check in the account before then, for less than {$150.00} and usually the funds are available in a day or two at most. This time, Chase put an 11 calendar day ( 8 business day ) hold on the deposit and provided no reason for this. I sent Chase a secure online message on XX/XX/XXXX, asking for clarification, but they ignored this message entirely. At XXXX XXXX on XX/XX/XXXX I called them as the long holiday weekend was approaching with no payroll funds. I was bounced around on the phone until I finally spoke to their fraud detection department whose rep could provide no information about the reasons for this delay. I then asked to speak to a more senior level rep and after a long hold spoke to a XXXX person who after looking into the account informed me that Chase considers checks and deposits issued by my employer including payroll checks and deposits to be high risk. She was unable to define this or provide any further information about the ( a ) nature of the risk and ( b ) implications for future checks and direct deposits. When I asked - she just hung up. 

I need to pass this information on to my employers finance team, but Chase ( as XXXX the Fraud team supervisor indicated when she hung up ) appears to be unwilling to provide any information about the reasons these funds are considered high risk by Chase Bank and what delays I can expect if I agree to allow direct deposits to be sent to my Chase account.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I redeemed reward points with Capital One for a {$100.00} gift card from XXXX. The gift card arrived without the {$100.00} funded. I called Capital One and spoke with a representative named XXXX. After waiting on hold with XXXX for over XXXX minutes, my phone call was transferred back to Capital One 's automated system. I would suggest that XXXX transferred my call purposely as she described my issue as " hard ... due to the complex procedure. '' Due to my XXXX, I don't have time to wait on hold to be transferred endlessly or for an unnecessarily complex procedure. Please either fund the {$100.00} on the gift card that you mailed me or send me a replacement. Upon request, I can provide the gift card number and/or the letter that accompanied the gift card that Capital One issued. The money is for holiday gift purchases- please resolve expeditiously.
Consumer complaint received 2019-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RENASANT CORPORATION (GA)

I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX  XXXX  for an auto loan that they charged off on XXXX. Renasant Bank then merged with XXXX XXXX  after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid XXXX for right off on taxes a two for money out my pocket.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

I closed on a mortgage XXXX of 2018 with XXXX XXXXXXXX and in XX/XX/2018 the servicing changed to a company named PHH Morgage Services that was collecting on behalf of XXXX XXXX XXXX. I had been sending my payments to the initial mortgage company because I did not receive the notice of serving change until XXXX. I contacted the company to try and get it resolved and they refused to fix the two late payments that are reporting on the credit report. My payments were being auto drafted so I would have thought I would be much better having them taken automatically. Had I received the notice prior to the payment due dates I would have sent the payments to the appropriate company. It is not reasonable to think someone can guess what the other companies are doing when there is no notification. Again the paperwork I have attached was not received until the following year!
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I have recently filed a complaint to the morgage company pertaining to a request to reconsider repayment plan of back morgage payments due to long XXXX forbearance. My first XXXX request was for a payment of over {$2500.00}, which is far beyond what I could pay with my salary and bills ( which include student loans ). On the XXXX of XX/XX/2024, someone called for the Ombudsman Department called multiple times in the morning, I called back and told them that I would call back after my meetings, I did so that day and left a message. I called again XXXX the XXXX and left another message, and again XXXX. I called the regular mortgage company number and got a rep on the line, told the that I was calling back all week. After talking to them they said that I had no other options if I could not make the payments that they sent in the agreement, and my only options was short sale or deed in lieu of foreclosure and told me that they could take that application over the phone. I told them I would have to think about this. Within a XXXX minute period after the call I received a notice of response to the CFPB stating that there was a request to have investors of the loan consider my request.
Consumer complaint received 2022-12-29
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. (CA)

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2018-02-25
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: Continental Finance Company, LLC (KY)

Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX  data hack. Someone else was using my information. Identity theft.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express had a promotion where new American Express Platinum credit card members receive a XXXX point bonus upon making {$3000.00} of purchases on the credit card within three months. I fulfilled the requirements within their guidelines and received the points. The points have been mostly spent. However, the remaining points have been locked up in the American Express system since the end of XXXX, 2016, pending what American Express is calling an " account review. '' A supervisor named XXXX, badge number XXXX, told me that she contacted the identity verification department and was denied access to my points, having been told the department is conducting a review of the account for eligibility of purchases made toward the bonus. Given the bonus was issued by American Express for valid purchases, I do not understand why AMEX has now locked up the remainder of the points ( XXXX ), valued at approximately {$63.00} ( of the original {$1000.00} worth of points ). Other representatives have told me an account may be flagged for review for eligibility because of returns made on the credit card, of which my account has none. I have been reading online about this promotional period, and it appears AMEX is trying to reneg on a promotion they offered widely to the public by falsely scrutinizing XXXX of accounts. I request the CFPB investigate American Express for this behavior, especially when it is affecting paying customers like myself, who pay {$450.00} per year for this credit card product.