davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (AZ)

Credit inquiries I did not authorize someone is applying for things in my name and the creditors are not investigating. 

Equifax- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I purchased concert tickets for {$580.00} from the website, XXXX using my Chase Visa debit card. Because of the pandemic, the concert was first postponed. Then the concert was officially canceled sometime in XXXX. The merchant 's policy was if the event was canceled customers would be entitled to a full refund. I first filed a complaint with Chase in XX/XX/XXXX because the concert was obviously not going to be rescheduled anytime soon. Chase declined my claim because they say the concert was rescheduled, and not cancelled. I then disputed the resolution once the concert was officially cancelled. Chase still does not want to refund me the money, although I've provided significant proof that the concert was cancelled, and the merchant ( XXXX ) will not refund me the money themselves because Chase has already come to a resolution. XXXX already have a bad reputation for scamming customers out of their money XXXX XXXX XXXX XXXX Now, the merchant will not refund me my money or give me credits for future events, so I am out of almost {$600.00}. It's completely unfair that Chase as my bank will not mediate the situation.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (NY)

The purpose of this complaint is to inform you that the following information is incorrectly showing on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX has an account date opened of XX/XX/2012. I no longer conduct business with this company. This account is old and outdated. Please delete this misleading/outdated information and supply me with a correct credit report within 30 days. 

From sincerely, XXXX XXXX
Consumer complaint received 2019-07-30
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Ive been having issues with 5th 3rd ( the bank ) since its inception taking over my mortgage loan from the previous loan servicer. First, the bank failed to calculate my escrow account balance correctly by missing the begining balance, then the bank failed to calculate the interest payment required of escrow, now it simply refuses to properly apply payments ( as a result of its own internal failures applying payment ). The bank has falsely reported to credit unions that I have missed payments, when in fact its the banks own failure applying payments. In the end, now my credit report is filled with errors and the bank os requesting extra payments for previous payents ( made 1 or two dayd before due date were improperly applied ).
Consumer complaint received 2018-08-20
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. (AL)

This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX  over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation o the following late payment is inaccurate. Please investigate and verify that all data for this account is reportin accurately including every notation date and balance whether reported or not. 
Account Name : XXXXXXXX XXXX Account Name : XXXX XXXX Account Name : DEPT OF ED/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracgy and completeness of the information. I have read that this must be provided withing 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed withing 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

I recently submitted a request to have my home reappraised to hopefully appreciate out of the PMI on my mortgage. US BANK said the ESTIMATED appraisal cost was {$390.00} so I sent a check for the amount to begin the process. Upon notification that the market value had not changed on the home, I requested that the remaining amount be sent back. The appraisal was {$350.00}, I sent {$390.00}, a {$40.00} difference. 

The bank claims the {$40.00} went to an administrative cost and would not be returned. 

I then spoke with a Supervisor, XXXX, who refused to give me the regulating agency to whom I could file a complaint with. She did give me the address to submit a written complaint to US BANK. 

XXXX confirmed that the documents did say " estimated '' and that the appraisal was for only {$350.00}, but would not give a reason as to where the additional funds went.
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc (WA)

I have an emergency room bill I had requested be waived by a charity care state program, application was accepted and I received confirmation from charity care the debt was covered/paid IN FULL. This debt was still sent to collections I have disputed with XXXX back in XX/XX/XXXX then again with XXXX and XXXX, both, on XX/XX/XXXX and its said the results as of my reply from both bureaus, XXXX on XXXX and XXXX completed XX/XX/XXXX, are the debt was found valid, though I clearly have documentation proving the full balance was paid/covered, which includes matching account numbers and starting balance ( the collection agency has been adding interest also on this invalid debt ) which I submitted with the dispute. This has been negatively impacting my ability to get credit for over XXXX  years now.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NY)

I have attempted to contact AMSHER on a number of occasions, most notably in XXXX of 2020, but they repeatedly put on false debt collections under " XXXX XXXX XXXX '' I have never had an account with XXXX XXXX. When I contacted the company, they hang up or " attempt to transfer me '' before hanging up the phone. Please help me get this fraudulent company removed as it impacts not only my credit score but my ability to open a new credit card and get an apartmentall because of a false report on my credit.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (UT)

I have had repeated phone calls from this company that always calls several times a day everyday with an unknown caller id. I finally got their number which is XXXX. Called that number and it states it i Comenity Bank. I do not owe this back anything. If this is regarding a specific debt through another company they legally need to specify that. I have sent them numerous messages online and told them to not call me on my mobile several times. There are times when Im working and they dont respect that at work. They call on weekends as well. They have disconnected me. They have hung up on me. They are robo calling, dialer calling. I have a lot of proof of the phone calls with dates and times if needed. Thanks for your time
Consumer complaint received 2022-02-04
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. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX
Consumer complaint received 2018-08-20
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)

I called Experian on XX/XX/18 to dispute inaccuracies reported by XXXX. Experian said the dispute process takes 30 days. I've been waiting for a decision since XX/XX/18 and I never received a response explaining why Experian is displaying false information on my credit file. Every time I call in to get the decision Experian 's phone reps get mad and hang up in my face. I've been waiting for a dispute decision since XX/XX/18.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

I was charged {$390.00} on my barclays card on XXXX XXXX XXXX. I have multiple conversations with barclays and XXXX. The conversations with XXXX state that I didn't want their service anymore. This dates back to XXXX. XXXX would reply with a nonsense answer stating that the business had to be closed. The business filed for dissovlment in XXXX and XXXX. It was dissolved before XXXX. I communicated all of this to barclays and provided the documents attached to prove so. Barclays is now saying that I owe over {$480.00} because of late fees and interest all because of the fraudulent charge from XXXX. When I started the process with barclays to show that the charge was fraudulent, they stated that no fees or interest would be accrued while a charge is in dispute. I have sent multiple messages to XXXX with no responses in the regard of discontinuing services with them. I have sent barclays multiple messages now about how I should have to pay for a fraudulent charge, interest accrued and late fees accrued because of the fraudulent charge. They just reply with contacting someone else in another department or saying they need more documentation. The documentation that they want XXXX won't provide because they reply to many messages. Thank you for your time, and please let me know if anything else is need to file a formal complaint.
Consumer complaint received 2022-02-23
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. (SC)

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation o the following late payment is inaccurate. Please investigate and verify that all data for this account is reportin accurately including every notation date and balance whether reported or not. 
Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracgy and completeness of the information. I have read that this must be provided withing 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed withing 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Renew Financial Holdings Inc (FL)

On XX/XX/XXXX, I entered into an agreement with RENEW FINANCIAL, through their contractor XXXX XXXX XXXX XXXX XXXX XXXX ( or XXXX XXXX XXXX  XXXX ), XXXX to finance a home improvement roof project. At the time of the agreement, I indicated to XXXX XXXX XXXX, that I would be refinancing the mortgage to take advantage of lower interest rates. XXXX XXXX assured me that this would not be a problem. 
The project did not start until late XXXX and there are two unresolved issues. The ladder remains on the side of my house, and my HOA has given me a warning to have it removed. XXXX XXXX XXXX indicated that the ladder was needed for an inspection, as of today, XX/XX/XXXX, the ladder remains. The two skylights needed to be examined from the interior and I was told several weeks ago that someone would be by on Friday, XX/XX/XXXX and I am still waiting for this examination. 

I was supposed to close on my refinance today and I learned yesterday, XX/XX/XXXX that a lien had been placed on my property and that it could not be subordinated. I immediately contacted XXXX XXXX, XXXX XXXX and Renew Financial. XXXX XXXX responded via text indicating that he was unaware of a lien placed on my property, XXXX XXXX said that she would look into it. In two conversations with Renew Financial, I was provided two different explanations. First, I was told that Renew doesn't place the lien, the contractor does and to work it out with them. Later on the same day ( XX/XX/XXXX ), a XXXX XXXX told me that the work had been recorded, hence a lien placed and that the loan could not be subordinated. 

After reviewing the documents that I signed -- via XXXX, there is NOTHING that indicates that I would not be able to refinance my mortgage. XXXX XXXX was aware of this when I met with him in XXXX. This is problematic for me because I am unable to close on my refinance and I believe this company misrepresented this program. I would have never proceeded, if I was told that refinancing in the future was not permitted. This is a time sensitive and urgent matter and I am seeking consumer protection in this matter.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

See previous complaint # XXXX I was a victim of a scam that phished my business checking account with small charges to XXXX XXXX over 60 days with long periods between the charges. After the 60 days, large charges were made : XX/XX/2021 for {$590.00} followed by XX/XX/2021 for {$2500.00} and XX/XX/2021 for {$120.00}. I discovered the XX/XX/2021 charge and called Wells Fargo to report the fraud. I also discovered the two XX/XX/2021 charges that were " in process '' and had not yet posted to my account. These charges should have been rejected but were allowed to post on XX/XX/2021. Wells Fargo said that was normal and they would then be reversed. Wells Fargo did not reverse them. In addition these charges were allowed even though my debit card had been turned off AND there were insufficient funds in the account. In all there were XXXX XXXX XXXX charges made without a card present for a total of {$3500.00}. There were never any charges to XXXX XXXX approved by the owners of this account. Wells Fargo investigated my claim and denied all claims that occurred outside the 60 days per their policy. They returned {$45.00}. This account currently has a negative balance- {$770.00} To reiterate, while I understand the 60 day liability policy, the 3 charges on XX/XX/2021 and XX/XX/2021 should never been allowed to post ( unauthorized purchase, account disabled, insufficient funds and fraud reported ). Wells Fargo 's unethical business practices should be further investigated.

Also see my feedback to previous complaint as the Wells Fargo investigator failed to acknowledge my complaint fully.