davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 2021-06-24
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. (TX)

Someone is fraudulently applying for loans under my name. I am trying to determine why TransUnion 's credit report lists " 3rd Party '' inquiries to my credit which inquire about my direct deposit activity and my mortgage - in detail, sq ft, taxes, etc. I called Transunion twice to ask about these inquiries and both times they told me they could not see the inquiries " on their screen ''. However, they provided my detailed information to one of the fraudulently applied loan companies. But they could not tell me anything about it. Its righty in my TransUnion credit report but their own operators could not see them.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express - Credit card charged my annual membership fees for the card that is not activated, I tried to inform their customer support there is not a single transactions and card was not activated at all. 

Credit Card was issued via XXXX XXXX. I honestly did not know or was informed there was membership fees, When the card was approved, I tried to used it for air miles but could not use it since the card was not activated have to wait for 15 days to get the card. I immediately called Amex to cancel the card, As I need miles now, If i can not use the miles now, their credit card is no use to me. AMEX support rep. mentioned card is approved, best would be not to activated.. and trash the card.. which I did and forgot about the issue. After that I never received any mail or statement almost now 12 month.. last week I received the annul membership fees statement.. kind of surprise informed credit co. support, they mentioned not to cancel credit card as it damages the credit. but I went ahead and cancelled the credit card. 

I am told I am still liable for membership fees, irrespective of card active or non-active.
Consumer complaint received 2018-07-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I was deceived into applying for a mortgage with Wells Fargo Bank on or about XX/XX/2018. I had previous experience with them as both a mortgage loan originator, and as a mortgage loan servicer, so I had no reasonable reason to believe that they would operate in any deceptive manor. 
I worked with Loan Officer XXXX XXXX XXXX ( NMLSR ID XXXX ), Loan Processor XXXX XXXX ( NMLSR ID XXXX ), and Sales Manager XXXX XXXX XXXX ( NMLSR XXXX  ). 
On XX/XX/2018 I was charged {$500.00} for what was supposed to be an independent appraisal that was supposed to be completed by a competent source, and was not to be controlled or influenced in any way by Wells Fargo Bank/Home Mortgage. 
That was absolutely not what occurred. Wells Fargo not only chose an unqualified and under compensated appraiser, they also put undo stress on the appraiser to control the outcome by limiting the appraiser 's ability to properly comp the property.

The Appraiser XXXX XXXX XXXX ( GA License # XXXX ) told the agent upon arrival that he hated doing appraisals for Wells Fargo, as they limited his scope, and they underpaid for the job. He was only paid {$280.00} for the appraisal, of the {$490.00} invoice. 
In turn, Mr XXXX XXXX completed the appraisal at a value {$170000.00} below sales price. 
At that point, I brought this information to the attention of the licensed parties at Wells Fargo, and filed a formal complaint with their Compliance team, only to be left hanging with no result. As they simply denied the accusations, and confirmed the value with their Appraisal Escalation team.

There have been 2 formal appraisals completed following this by other appraisers, 1 opinion of value completed by a 3rd appraiser, and 2 BPO 's completed by Agent/Brokers, all of which support the market value, and completely discount the appraisal completed by Mr XXXX XXXX. 
Wells Faro has refused to refund my money.
Consumer complaint received 2022-05-02
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. (TX)

I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : 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 2020-09-12
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: NAVY FEDERAL CREDIT UNION (GA)

I have a credit card with navy federal credit union with a XXXX limit ... my due date always falls on the 5 of  each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022 I used the Chase drive-up atm machine on XXXX XXXX XXXX XXXX XXXX. I deposited crisp {$100.00} dollar bills and when the machine counted my money, {$200.00} was missing. I canceled the transaction thinking it would eject all of the money that I deposited but the {$200.00} was still missing. I drove around to the teller and she said I would have to call the 1800 number but she ensured me that it was not possible for my missing money to come out for another atm user. It was XXXX XXXX and I still needed to deposit the money so I deposited what I had and as soon as I got home I called the 1800 number. They deposited the missing {$200.00} into my account while they did an investigation. Then I got a letter stating that they were taking the money back because they could not find my transaction. I immediately called them and told them that there was no atm transaction because I canceled it to get my money back. I asked if they checked the atm machine for the money that was probably jammed in there and was told that they had no information on what investigation was done. After getting nowhere with them, I called my branch bank back and explained what had happened at their atm. The employee then called the same XXXX number back that I had already spoke to and this time they told me that they did check the atm machine and there was no money there. Either the money was ejected for another customer which they ensured me would not happen or whoever checked the machine found the money and it was not returned to me.
Consumer complaint received 2018-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC (TX)

I received a pre qualified offer of a personal loan in the mail. I called the company to find out what their rates are because it is not in the letter and I could not find it online. I was told that I will be given the rate once I apply. I'm pretty sure that's illegal. So basically I have to take a hit to my credit to obtain a rate for a loan that I might not actually want because I don't want to pay their interest rate. When I explained that I wasn't interested in applying until I knew how much it would cost me she was adamant that she could not give me the rate or range of rates. " it will be in your loan docs ''. I can't even find out the terms of the loan until I apply. Legitimate lenders do not operate like this.
Consumer complaint received 2018-07-29
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 was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX XXXX ( XXXX, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ). I am acting on my own behalf and need help with this.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Please add this too. 

XXXX XXXX XXXXXXXX XXXX cont. XXXX XXXX XXXX returned a call with an update from WF. Unfortunately, is not able to do S .... company policy. I asked for her supervisor 's contact information, and was declined. Please assist. XXXX Not exactly a customer concern bank. Sad and true Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate. WF is a fraudulent bank. Please hold them to account.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

See attachments *** Debt collector continue to report this inaccurate information! Reporting of accounts as charge off when they have been paid in full! Using unfair, or unconscionable means to collect a debt! Pursuing to privacy of 1974, pursuant to 15 USC 6802. False or misleading representation
Consumer complaint received 2022-05-02
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. (GA)

On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.
Consumer complaint received 2024-02-27
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. (PA)

TransUnion has failed to proper investigate fraud accounts listed as XXXX XXXX XXXX XXXX XXXX XXXXa I summit police report and a affidavit of fraud and they have refused to investigate it I spoke with XXXX XXXX ( Supervisor ) she stated that they can not send me proof of the account in question I need the CFPB to take matter on this action as they are violating my consumer rights
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (NY)

I do not recognize this XXXX  XXXX account on my report. Its not my account. I believe this account is fraudulent. I disputed this with the credit bureaus and they verified it as accurate..
Consumer complaint received 2022-11-19
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. (OH)

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hello, After several failed attempts to contact and or resolve several disputed amounts on my company issued debit card I have had no luck resolving with the XXXX XXXX. Someone made several fraudulent purchases with my debit card amounting to XXXX from dates XXXX. I picked up a second job during the covid pandemic to support my family as I lost my job when the pandemic happened and these fraudulent purchases went unnoticed until i went to pay my mortgage the following month. XXXX has refunded me {$100.00} out of the total requested and after asking several times for communication and more insight I have received nothing. I submitted the dispute on XX/XX/2020, blocked the old card and received a new XXXX. I was hoping to receive some help or guidance on how to handle this as I can't get anywhere with them. Thank you for reading.
Consumer complaint received 2022-05-02
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. (GA)

On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

XXXX ( XXXX XXXX XXXX Credit Card ). On XX/XX/XXXX, I paid credit card off in full. Credit card company charged me {$1.00} the following month. I did not get statements b/c I am paperless. Needless to say, I paid the balance off in XX/XX/XXXX and in XX/XX/XXXX, I never thought I would get a {$1.00} charge which then turned into {$67.00} in XX/XX/XXXX, due to being charged {$1.00} per month then incurring a late fee each month I did not pay the {$1.00}. When I called the CSR was not helpful, she claimed they have a rolling fee, and I told her I was not familiar with that term. She then transferred me and I was left on hold for 23 minutes. I have several credit cards and when paid off in full, the balance is zero until I use the card again. I am still not sure what the {$1.00} fee is for and I had to pay the {$67.00} and most likely my credit has been impacted.
Consumer complaint received 2024-02-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Solar Mosaic LLC (CA)

My name is XXXX XXXX, and I'm a member of XXXX. On XX/XX/year> I took out a home improvement loan with Solar Mosaic in the amount of {$36000.00} and was left holding the bag for the loan due to their negligence and lack of checks and balances with the contracting company, XXXX XXXX. Mosaic allowed XXXX to get the money and work was not done. XXXX also lost their contractors license during the process. The loss and devastation I've incurred is immeasurable. As a result of this, I've been unable to pay my mortgage, due to loss of revenue from the XXXX. They cancelled XXXX of my loans. I want all loans cancelled as they have done for others!