davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
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. (WA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-10-29
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: Experian Information Solutions Inc. (MI)

On XX/XX/2018 I sent a request to Experian asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from Experian that the company that reported the information has certified with Experian that the information is accurate. XXXX was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX/XXXX Capital One Statement balance is XXXX XX/XX/2018 I took part in a Capital One Promotion to transfer a balance from a credit card to Capital One ( no transfer fees ). I wrote a check for {$8000.00}. 

XX/XX/XXXX, I paid my previous statement balance ON TIME and in FULL XXXX XXXX/XXXX  statement shows charge of XXXX ( transfer ), regular charge of {$39.00}, and interest of XXXX. Total statement balance XXXX XX/XX/XXXX Paid FULL and ON TIME amount XXXX XXXX/XXXX  statement and payment XXXX had an XXXX credit of XXXX and regular charges of XXXX. PLUS interest charges of XXXX. 

I called to explain that I wasn't subject to interest because I had paid balance in full. They explained that they apply the payment to higher interest rate items first. However, they are including the new purchases as 'higher interest rate ' when, in fact a new purchase is 'no interest ' if it is paid in full before the 30 days. 

So I continue to have a balance on this 'low interest rate ' transfer even though I continue to pay my bill in full. 

THIS IS ILLEGAL!
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (NY)

This bill was paid in full and the company is saying I owed in finance charges this is unbelievable my account was paid off and after My account was paid off then they send a next bill saying thats the finance I paid chase bank in full
Consumer complaint received 2018-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 as l was depositing {$20.00} on my checking account l discovered a excessive fees on my checking account of {$12.00} and {$33.00}. 

I contacted Bank of America representatives to reconsider refunding those fees as l am XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
Bank of America Representatives stated that fees will not be refunded. 
I am on a XXXX XXXX fixed income pension and l can not be paying fees.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours (CO)

on the XXXX app you are able to draw money up to a certain amount- they collect on payday- on the FAQs on their website they state multiple times in different capacities that they avoid fees by " waiting till they see the funds in the account '' on XX/XX/XXXX I was charged 5 nsf fees bc my paycheck hadn't posted- they have access to all acct info as it is a part of registering for the app- and have access to " see '' acct activity- I reported the issue that day via a chat feature which has since been disabled for my use- after that I corresponded via email and had to wait days in between responses- they requested info from me which I provided to the best of my ability- like screen shots- I have been a consistent user of the app- always tipping which is how the company generates capital- ultimately I was told since I could provide proof of deviation in my pay- which I am unsure of where the issue occurred anyway- either way they are deceptive when they say the " wait to see the money '' and that's how they " avoid fees '' they have to customer courtesy refunding- I believe they also altered the info in the the FAQs but I do have screen shots- they also put undue burden on the consumer with the lack of resources to contact them.
Consumer complaint received 2022-07-25
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (PA)

On XX/XX/XXXX at XXXX I was contacted via phone by a representative from Diversified Consultants, Inc. During the call I requested written verification of the debt they referenced during the call. I received a letter on XX/XX/XXXX that stated I have 30 days to dispute the validity of the debt. I sent a letter via Diversified Consultants online dispute form on XX/XX/XXXX and stated that I would also be sending the same via regular mail. On XX/XX/XXXX, less than 30 days from the date of the notice, the company reported the invalid and unverified debt to the credit agencies. The company did not follow FCRA guidelines and reported a debt that is not mine to a credit agency which adversely affected my credit and ability to obtain credit.
Consumer complaint received 2022-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been in contact with all three Credit Bureaus and Trans Union is the only one that refuses to follow the FCRA. I have been asking for validation of a public record being reported on my credit file that is maintained at TU and they constantly send stall letters. Initially they claim they could not assist as it appeared that I was using a " third party '' " credit clinic ''. Even if i was using a Credit repair company to assist with errors on my credit report, there is nothing within the FCRA that prohibits that. Most recently TU has responded that I needed to provide proof of my full social security number ( see attached ). This stall tactic is just another way that a multi-billion dollar company tries to take control of the community. 

Please hold TU accountable for their constant failure to follow federal regulations.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

Fay Servicing LLC : 1. Has misapplied payments 2. Is unable to properly apply and track payments made bi-weekly 3. Is improperly charging me late fees.

4. Has improperly sent me late payment notices 5. The first time this happened, the VP of Account Management, Mr. XXXX XXXX was able to step through dates and payments to verify and acknowledge the above claims. 
6. He adjusted my accounts to resolve the issue XX/XX/2018. 
7. However, the problem persisted and XX/XX/2018 I was receiving late notices again. 
8. In XX/XX/2018 my account had been reported past due to Credit Bureaus. Despite my having never missed a payment. 
9. Again, after several phone calls, and walking the account manager through my payment history and filing a dispute with the Credit Bureaus. The issue was resolved.

10. However, the inaccurate statements persist, the late fees continue to be applied. And now, without my authorization, Payments I specifically designate for P & I and Escrow has been improperly applied to late fees, shorting the scheduled and proper P & I payments. 
11. Attached are Supporting documents and extended narrative.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

Since XXXX 2010, I have sent over XXXX certified letters to both XXXX and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Consumer complaint received 2018-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AK)

I am a XXXX XXXX XXXXXXXX whose client was preapproved by Quicken Loans  for a conventional mortgage loan. I sent the accepted earnest money agreement and purchase contract to their loan originator at Quicken and yesterday he emailed me and asked for my license number. Even though it was already on the contract I emailed that back to him. This morning my client, the buyer, called me to say that she had been called by Quicken Loans and told that she and her husband could only have the loan if they dropped me as their realtor. The Buyer asked why that was and was told by the loan originator that they didn't know. Buyer and her husband called back to Quicken and talked to two different people who told them that Senior Leadership at Quicken had made that decision and they didn't know why. I got the number for the lady at Quicken and called to ask why they had told my client to dump me if they wanted the loan. She said she couldn't tell me but that it was a decision that came from the very top of Senior leadership at Quicken Loans. We talked for maybe 10 minutes and she would never tell me why they were XXXX   me. I have done deals where Quicken was the lender and have never had any trouble before like this. My client is trying to find another lender now and is very confused as am I. The lady at Quicken said I must know why they were doing this but I do not. I am a highly respected XXXX in my small town and have had no complaints against my license or character.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-03-12
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. (NV)

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2019-05-09
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. (FL)

A different name is report on my credit report. My date of birth is reporting incorrectly. 

XXXX XXXX XX/XX/XXXX Multiple addresses that is not my correct mailing address is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I was scammed in sending money XXXX XXXX  no Service was given and my bank refuses to reimburse Me this is not fair I was robbed stolen through XXXX  they refuse to help file a claim and try to get my money back
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (MD)

A complaint was previously filed by me and the CFPB closed the complaint based upon the response of the business. The business provided false information to the CFPB including : The Company 's description is inaccurate. They are refusing to answer emails and phone calls regarding this matter. They are ignoring the arbitration letters filed sent to them by the XXXX and so their claim that they are bound by the arbitration clause was a knowingly false statement by them. Their actions indicate they are not taking steps in accordance with XXXX procedures and are in significant breach of the contract and causing unnecessary harm and expenses to the consumer. This complaint should be reopened.
Consumer complaint received 2023-03-21
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MN)

Last Friday XX/XX/2018 a payment came through via ACH for {$120.00}. There was {$64.00} in the account when it came in and put it negative a few pennies over {$65.00}. I was able to deposit enough funds to cover the negative amount by XXXX CST and the transaction was still returned to the source and I was charged a {$35.00} Returned Item Fee. 

Wells Fargo seems to not have a reason to why they pay some items versus return other items. Two weeks ago I had three transactions come through that made the account negative for {$50.00}, {$18.00} and {$9.00}.?? / Wells Fargo paid the three and no fees were Incurred. I asked the rep when calling in today why they returned it when there were adequate funds in the account to cover the transaction before close of business. 

The rep told me she has no idea and doesn't know what to tell consumers and blames it on a " system '' issue. I asked for a reversal for the {$35.00} returned item fee, as it should have not been returned as there were funds before close of business. 
She put me on a few minute hold and came back and said they will refund 25 % of the fee itself, I denied that and it escalated to XXXX who was a supervisor. XXXX said he can have 75 % of the fee refunded. This is a slap in the face to me as a consumer because they are negotiating a fee I should have never received and wasting my time to do so. 
After hundreds of millions in fines they still have grey-area policies in place to bilk consumers out of more fees. By the end of the call XXXX did state he was able to refund the entire fee. 

I am filing this complaint to notify the CFPB that this is currently going on at Wells Fargo and feel that there are many more consumers that are having to play auctioneer with Wells Fargo to get their own money back.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX Bank, XXXX, Midland funding I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you XXXX XXXX my name and sale alleged account to Midland Funding, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery calls me constantly even after leaving voicemails to my work number and cell phone number. I have not spoken to them because they always call me during my working hours. I have also never received any documentation from them in regards to the validation of the debt. 

They have called me from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

My financial lender calls about ten times a day. They have called everyone on my reference telling that I need to pay when the due date on the bill says. They have even called my boss. This happens on a daily basis at least ten times a day. I m scared my boss will fire me.
Consumer complaint received 2022-02-18
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. (WY)

Somebody used my social security and personal information to apply for credit. XXXX did a hard credit inquiry at TransUnion. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from TransUnion.