davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

hi.my name is XXXX XXXX. I'm trying to Open a new account with Wells Fargo XXXX XXXX  But they denied my application for some reason For XXXX XXXX XXXX XXXX XXXX. No bank where I applied will open an account for me because of XXXX XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX 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 2020-02-01
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: TD BANK US HOLDING COMPANY (VA)

I signed up for a TD cash card. The offer I signed up for was spend {$500.00} get {$200.00} back. I have not received the bonus despite meeting the spend requirement. I have reached out to TD bank and they said they are not able to service my request and did not explain why I have not received the bonus.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I requested Experian remove and update my only address where i live and receive U.S. mail and delete all other addresses whereby they are not deliverable as per the FCRA and they refuse to do so.

I requested they delete all telephone numbers associated with my credit file profile and i provided my correct date of birth and correct employer, my only name used and my only social security number and i provided a copy of my drivers license, utility bill and social security card.

I have sent more then 10 different letters the same requesting this action and always providing true and correct information.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I sold my house in XX/XX/2018 and have been waiting 5 months for them to return my escrow money. I've called many times and they keep saying the check is in the mail but it never comes. There is always some story as to why it was not sent such as it was sent to someone else or some other place. I've been more than patient.
Consumer complaint received 2021-02-13
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: STERLING JEWELERS, INC. (TX)

Kay Jewelers/ XXXX is reporting the same late payment twice on my credit report to XXXX . I have tried twice to have the duplicate late payment report removed. I filed an electronic dispute through XXXX dispute center that was unsuccessful. I was informed the information was correct and would remain unchanged even though within the dispute I acknowledged the information was correct however that it was a duplicate report. I attempted once more in writing to both XXXX and to the Kay Jewelers to have the duplicate removed from my credit report and was once more unsuccessful. I was informed that only the information would be updated which was also incorrect due to my Kays card being closed in XXXX and now it shows that I had an open account with them all of XXXX which is inaccurate. Please help me correct these mistakes.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you.
Consumer complaint received 2018-08-14
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I signed an auto lease with US Bank in XX/XX/XXXX. The lease term was for 36 months and ended at the end of XX/XX/XXXX. I returned the vehicle to the dealership where the vehicle was originally leased [ within the 10-day grace period ] on XX/XX/XXXX. 

The car was deemed a " lemon '' by XXXX XXXX ( manufacturer ) and the company agreed to repurchase the vehicle and payoff the amount owed to US Bank. The repurchase process began in XX/XX/XXXX and was resolved in XX/XX/XXXX. 

XXXX XXXX as well as myself were in constant contact with US Bank throughout the repurchase process ( correspondence attached ). US Bank informed me that I would not be responsible for any late payments or negative credit reporting throughout this process. In fact, US Bank credited late payment charges back to my account. 

I tried unsuccessfully for more than 8 months to have the negative reporting removed from my credit accounts to no avail. I disputed the late payment reporting with US Bank as well as all three credit bureaus. I have received letters from the car dealership confirming their receipt of the vehicle in an effort to resolve this issue. I was charged late fees by US Bank for a period [ XX/XX/XXXX - XX/XX/XXXX ] when I wasn't in possession of the vehicle.
Consumer complaint received 2018-08-14
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)

I applied for the Capital One Quicksilver credit card during the second week of XX/XX/XXXX. 

On XX/XX/XXXX, I received an electronic letter ( to be attached ) declining my application, for the stated reason that one agency ( XXXX ) indicated that I had insufficient duration of credit.

On XX/XX/XXXX, I wrote a letter ( attached ) to Capital One appealing this decision, attaching my current XXXX credit report ( also attached ) which clearly reflects the fact that I have had the same credit card ( XXXX XXXX ) since XXXX as well as a mortgage in good standing with XXXX since XXXX. 

I received a response letter from Capital One on XX/XX/XXXX ( the letter is dated XX/XX/XXXX ) which acknowledged my letter and reported no change in their decision to deny my application. 

I believe that Capital One 's denial of credit to me was based on their erroneous interpretation of a single credit agency 's report. They cited no other reason for denial of credit to me.
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation (TX)

I requested to pay off the loan in one payment which would result in the cheapest pay off result. However, when the automatic pay off amount came out m account it was for a XXXX when it should have been XXXX $ which is the {$500.00} i borrowed plus the XXXX $ fee charge for borrowing. I called to correct the mistake. And when i asked for the pay off amount it was {$850.00}!! I asked to speak with a manager to listen to the call i placed when i requested the loan and was instructed i would have to pay the XXXX $ as the call stated i requested the one time pay off but was instructed to call back to complete that arrangement. I am not paying that amount when i ask to pay on ly the lowest amount a fees.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX Is a previous complaint opened on Equifax for not updating credit card balances and payment history. Now they havent reported my car loan since XX/XX/2018 which is incorrect. My payments have been on time for the last 7 months but they have not reported the same which is impacting my credit.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (AZ)

I applied for an American Express Card and it was never sent our to me for almost 5 weeks. 

When I got the replacement card it never worked. 

I have had numerious issues dealing with the XXXX Call Centre for AMEX and I would like the card cancelled and a full refund applied to for {$440.00}
Consumer complaint received 2018-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My mortgage servicer, Dovenmuele Mortgage, failed to pay my property taxes to the XXXX XXXX Treasurer/Tax Collector on my behalf from my escrow account, resulting in my property taxes going into default. I have been calling every few days, but they have been unable to show me that they are working to resolve the issue sufficiently. I am currently in the process of selling my home, and their mismanagement has resulted in the sale being delayed.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX FIN / XXXX / {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX )/ XXXX / {$600.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (GA)

I was attending a XXXX  school called XXXX XXXX College that promised us that we would be able to take college classes for free at XXXX XXXX University and they would take care of the expenses. I took classes from XXXX to XXXX but I'm being charged for the last class I took in the spring of XXXX while i was a minor but not charged for any other class. Now the school is shut down and everyone associated with the school has been transferred or fired and i cant contact anyone to help resolve this. The debt doesn't even show up on my credit report and I couldn't dispute the debt sooner because every attempt to contact me was sent to an address i hadn't lived at in years.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (NC)

I regret to say I have not enjoyed being a customer of Ditech. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?
Consumer complaint received 2018-08-14
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: United Revenue Corporation (NY)

I have disputed this erroneous, inaccurate and unverifiable entry with United Revenue Corp on multiple occasions as well as disputed them with the credit bureaus. In my most recent communication to United Revenue Corp. dated XXXX18, I was specifically responding to their latest response ( see attached ), denoted as frivolous. There were not any parts of my previous requests that were frivolous. I was very specific in my request that they validate the debt they were alleging I owed. 

United Revenue Corp did not provide an agreement that stated their authority to collect on this alleged debt, nor did they provide an agreement with the signature of the alleged debtor wherein he/she agreed to pay the creditor ; verification that the debt was assigned or sold to collector, complete accounting of alleged debt and name and address of bonding agent for collection agency in case legal action becomes necessary. To no avail. This is very specific and counters their claim of being frivolous. In my letter dated XXXX.18, I was even more specific in requesting that they provide a copy of my signature with the provider of service alleging the debt to release my medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. To no avail. See attached return receipt that reflects United received my dispute and blatantly refused to respond. It has been almost 60 days since my request for the aforementioned documentation, yet they have failed to comply. 

It is apparent that United Revenue Corp is unable to prove the validity or accuracy in the 2 entries they are continuing to report as derogatory on my credit reports. To that end, these erroneous, inaccurate, unverifiable entries must be deleted immediately.
Consumer complaint received 2018-08-14
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. (TX)

This is my third attempt with Experian trying to resolve this matter without involving legal action. May this complaint serve as legal documentation for litigation purposes. I have sent in several documents including my original police report to Experian about fraudulent accounts on my credit report and Experian has again recklessly failed to follow reasonable procedures to ensure the accurate reporting. I asked Experian to provide me with a reasonable answer to why and a method of verification in which Experian has failed to do so. Experian continues to show disregard for the FCRA. These accounts were opened as a result of identity theft and i provided this information with my police report to Experian but they have failed to remove these accounts nor have i received information as to why they continue to report these fraudulent accounts grossly effecting my credit abilities. Congress enacted FCRA in 1970 to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. Due to Experians negligence of this act, I'm unable to have fair market value in applying for new credit. My next step is to contact my Attorney General in this matter. Im a member of the XXXX XXXX serving my country proudly, to be a victim of identity theft and having a private company like Experian not comply with Federal Law. I feel i have been victimized twice in this matter. May this complaint serve as a legal document for litigation purposes.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I was issued a Credit card by Steinmart with a limit of {$750.00} they upped it to {$1700.00} we paid {$250.00} on the balance which was above the minimum on a balance of {$650.00} and again paid another {$100.00} to bring balance down. Then the next we got a letter reducing credit limit to {$670.00} from {$1700.00} making my usage go fro 30 % to 98 % and reported that to XXXX XXXX which dropped my credit score from XXXX to XXXX because I paid too much of my balance. This is a crime! If I cancel the card it will further impact my score. I DID NOTHING WRONG! This a a bank that need to have a class action law suite brought against them for fraud!
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

I had an account that was closed in XXXX of 2014 but they have put late pays on my report after the account was closed. I have tried to get the late payments removed by disputing the accuracy with the credit bureaus but haven't had success.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

BANK OF AMERICA XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated. 

I'd appreciate it if you could update or correct this reporting account as soon as possible. If you don't comply with the request, the account should be repaired right away.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Reference number : XXXX Case name : XXXX XXXX Case number : XXXX The detail of my complaint is as follow : I received a letter from Bank of Americas Legal Order Processing, indicating that they received a subpoena, summons, or both pertaining to the above reference case. As a result, Bank of America will release my financial records to the law firm. 

I called Bank of America and told the representative that the party has mistaken my identity for someone else, and Bank of America should not release my financial records. 

The representative said they were able to match my information. Again, I told the representative that I only have a checking account and after checking with the legal department, the agent said the social security provided by the law firm requesting my financial records is not a match. The number is for another person, not me, and is not a match. However, the agent insisted that Bank of America will  release my financial information per the law firms request. 

When I asked the representative to fax or email the county clerk authorized subpoena or summons, she refused. 

Please investigate this matter and inform me of the results. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.