davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made four balance transfers over a two year period between my Capital One credit card account and my XXXX credit card account, and Capital One is denying these transfers happened, despite confirmation from XXXX. This has left me in the unfortunate position of effectively having been charged by both companies. The transfers were as follows : XX/XX/XXXX - {$1400.00} ; XX/XX/XXXX - {$1100.00} ; XX/XX/XXXX - {$1000.00} ; XX/XX/XXXX - {$2000.00}. Capital One has been pursuing me claiming I am indebted to them, and denying the balance transfers completely.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2022 I came out of forbearance with my mortgage company Shellpoint Mortgage and went to a modification plan that was on trial till XX/XX/2022 and was finalized with new payment due on XX/XX/2022. Per the C.A.R.E.S act a mortgage company is to not report delinquent accounts or past due amounts unless the mortgage was past due prior to forbearance. I was not delinquent prior to forbearance. I was entered into forbearance as a result of COVID and had a total of $ XXXX roughly that was on forbearance. Shellpoint mortgage has illegally reported me as XXXX, XXXX, 90 days past due from XXXX XXXX XXXX  on 2 of my 3 credit reports of the $ XXXX which they are not legally obligated to do. I have tried to get in touch with them and they fail to answer me back, they push me from department to department and refuse to review my mortgage and also refuse to admit they reported it illegally and will not remove it. This has dropped my credit score a bit over XXXX points. I also have contacted a CARES act lawyer who is not answering back, I have filed a dispute with XXXX and no one is answering my dispute now at XXXX or at Shellpoint. I have not been able to get ahold of XXXX, they will not answer the phone, my emails. Then in XX/XX/2022 ( just 1 week ago ) I pulled my XXXX credit report and now they reported me past due in XXXX on XXXX but never reported prior months. I am not past due and have the proof that I am paying on time. I have tried to get the loss mitigation department and specific representatives at Shellpoint to answer me why on this XXXX reporting of past due and they state they don't show they did that, but yet my credit report reflects that they did. They have illegally reported me past due and I have all the proof of the CARES act, the proof that I have made payments on time and per their request. All of which I submitted to Shellpoint but they refuse to do anything about it.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

To whom it may concern, Per the fair credit reporting act as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and nonverbal completely and indefinitely per 15 USC 6802.

To whom it may concern, PER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the
consumer has the right to opt out of that disclosure ; and iii ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : 15 USC 6802 OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( HAS NOT BEEN DONE ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( HAS NOT BEEN DONE OR GIVEN THE OPPORTUNITY ).

THIS UNLAWFUL BEHAVIOR HAS CAUSED INTENSE PAIN AND SUFFERING BECAUSE OF THIS ADVERSE INFORMATION ON MY REPORT. I HAVE BEEN DENIED SERVICES ON MY CREDIT. THIS FRAUD NEEDS TO STOP IMMEDIATELY. 

Sincerely yours, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

They pray on the poor, they add on unnecessary things that you aren't made aware of. There interest is so high you never will get them payed off. They will not work with you on lowering your interest at all. Lesson learned, I borrowed this to get custody of my grandchildren at the time I didn't think I had other options, biggest mistake ever. Terrible company like title pawn getting rich off poor people. So very sad!
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (IL)

XXXX and Equifax did not comply with the FCRA regarding the legitimacy of a FTC Identity theft report and refused to block the account that was determined to be fraudulent. I have sued them regarding the same issue before, and I will again.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I approached TransUnion in XXXX for a free credit check. I was billed {$1.00} on XX/XX/XXXX, and billed monthly until the most recent date, which was XX/XX/XXXX. The monthly cost has increased from {$17.00}, to {$24.00}. 

At the time, they required I enter debit/credit card information, which they have since used to bill me monthly. I used my debit card when I requested my free credit check, which has since expired. I do not recall when my debit card expired. I checked my bank statements and have not found a monthly charge, but I can only go back a few months into my statements. 

I did not know I was being signed up for a monthly subscription service. I did not receive a bill from TransUnion via mail, or email. The only trail of bills I could find was on their website, which I visited recently. I closed the account after discovering the list of charges. I am completing this report and will contact my bank later today. 

I fear they have charged my debit card without my knowledge and without fair notice. I believe they intentionally hid the " orders '' on their website to charge my card without my knowledge. I hope to find the total they charged my account when I speak with my bank today. 

I did not knowingly sign up for a subscription through TransUnion. They have since billed me without my knowledge and consent, and without fair notice. I have since located CFPB enforcement regarding this issue, dated XX/XX/XXXX.
Consumer complaint received 2022-04-26
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. (CA)

This complaint is about the unverified negative accounts that i am not aware of that was placed in my credit report. Please help me look into these because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax keeps dropping my credit score without any reported delinquent accounts. From last month to this month it dropped XXXX points. I am the consumer who originally reported Equifax and their Data Breach, in XX/XX/2017. So either one of two things could be occuring with the false credit score reporting. One it is retaliation for my reporting or two someone is abusing their authority for political purposes in credit score reporting. Either way im being negatively targeted and negatively affected by Equifax and employees. I demand immediate remedy of my credit score across the spectrum of the three bureaus and action against my perpetrators.
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Hello, I have tried multiple times with all 3 credit bureaus : Equifax, XXXX and XXXX to have the bankruptcy removed. The information is inaccurate and somehow, the Consumer and Bankruptcy is not mine. They are refusing to remove it to the point where I dispute and the next day they are reporting back they are not going to work it. Just recently I received a letter from XXXX on XX/XX/XXXX stating that they removed it. 

When I called them to confirm, the young lady told me that I have to submit the information back to the credit bureaus for removal. I did that and the next day they replied it was staying and the case was closed. 

Can someone please remove this inaccurate information along with the Consumer Report on file. The only thing they did was correct the name and removed the wrong one and took off XXXX XXXX. I told them in the past and even had fraud alert on my account and they did nothing. 


Thank you
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, we completed the closing signing of legal documents on the refinancing of our mortgage to a lower rate. Before we started the signing, we gave the fiduciary agent our closing cost payment of {$110.00} via check # XXXX. 

On XX/XX/2021 we were notified that our closing cost was not paid at the time of closing by the title company, XXXX via secure email. I responded back with an email stating to their representative that we gave the funds of {$110.00} via check # XXXX to their fiduciary agent. 

I notified our Wells Fargo closing agent of the situation above via email and by phone on XX/XX/2021 of the situation. He, our Wells Fargo closing agent, filed a complaint with the executive office at Wells Fargo - complaint # XXXX. To date, a month later, XXXX states they have not found our paperwork. We received a letter from Wells Fargo that our rate lock would expire on XX/XX/2021. 

All of our sensitive personal information, checking account, SS # 's, Drivers Licenses, Credit reports, were included in the legal documents lost by the fiduciary agent from the title company. Legal documents executed by my husband and I along with the check paid at the time of our signing the legal documents have been lost! It's been a month now and we still don't know who has our information. Wells Fargo, as well as XXXX continue to be lax in moving to rectify this situation. We need to resign the paperwork and Wells Fargo needs to honor the contract or cancel our current mortgage. It is because of the Wells Fargo agent who stated, " I can't tell you who do choose but this company, XXXX the most reputable of the three ''.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I refinance my original auto loan with Capital One in XXXX of XXXX. I have sent them all of the paperwork that they have requested on multiple occasions. On XX/XX/XXXX at XXXX Pacific time Capital One called me. I answered the phone, the woman on the phone told me she was with Capital one and needed me to verify the account. I said it is only XXXX, she insisted that I verify who I was and that this was in regards to my auto loan. I told her she was calling hours before they were suppose to be calling in my state. They were calling from a local Nevada number XXXX it cam up on the caller ID as Capital One. She told me that I needed to verify my information to speak with me. I again told her is was to early and she was violating credit collection guidelines. She then hung up on me. She had a foreign accent and did not state her name. They have not called me back.
Consumer complaint received 2022-04-26
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. (CA)

This complaint is about the unverified negative accounts that i am not aware of that was placed in my credit report. Please help me look into these because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX XXXX Bank of America put a 30 day XXXX Account on my credit report and I was only 15 day late and paid it up to date. Is it true that you have to be 30 days late before they report anything?
Consumer complaint received 2022-01-08
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)

On XX/XX/2021 I sent out papers to the 2 credit bureaus ( XXXX XXXX Equifax ) telling them that there was wrong information reporting in my credit report and asking can they send me proof of the inquirys .It has been more than 30 days and I still havent received anything from them at all. So I sent out even more letters this XX/XX/2021 and still received no answers.
Consumer complaint received 2021-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to a garage on XX/XX/. tried to fix my car. The mechanic couldn't figure out what the problem was but still asked me to pay the inspection fee. I asked him how much he said {$25.00} but the bill was actually {$120.00}. I didn't sign the receipt and they didn't even give me a receipt. Basically I didn't authorize the payment, so I tried to dispute this to Bank of America twice but they couldn't do anything to help. 

this is the second time I report this case to CFPB. A few days after I reported them I got an email from BOA. They said they tried to call me but no one answers they also give me a number to call back and told me they needed to verify with me through the phone. I tried to call them tons of times and no one never responded. I also sent them an email back explaining the situation and asked for a correct number to call back but unfortunately still no response.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX XXXX I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment o my report which is incorrect, and I am asking this be deleted immediately. This are the creditors that were reporting late payments XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE AUTO FINANCE XXXX Date Opened XX/XX/15 Balance {$4000.00} Late 30 Days As a client, I have legal rights that are provided to me to safeguard me through misinformation being reported on the credit report. At this point, I would like to produce a final petition for examination before I seek the advice of my attorney for advice on how to handle inaccurate and unverifiable issues that are continuing to be demonstrated as valid. You need to give me a copy of the agreement agreed upon or voice conversation where I certified billing me on this particular account.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AR)

On XX/XX/2021 my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX  XXXX. I am a XXXX  XXXX  with XXXX and they offer a " XXXX XXXX  guarantee. ' I found this hotel for a cheaper price of {$190.00} through another company. I am having a difficult time getting XXXX to adhere to their own polices, but have also filed a complaint with the FTC. I then filed a dispute for the difference with MY financial institution, Chase, even provided the receipt direct from XXXX XXXX where I paid {$190.00}. The dispute was opened, I was then issued a provisional credit. XX/XX/2021 the fees were then reversed and I was charged the {$93.00}. I had provided all the documentation to show a. ) I paid {$190.00}, receipt provided, b. ) this is a third party that offers best price guarantee or they'll refund you 200 % and c. ) my account has always been in good standing. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed and they will not reopen it.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/XXXX XXXX I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment o my report which is incorrect, and I am asking this be deleted immediately. This are the creditors that were reporting late payments XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

TSI/XXXX XXXX, XXXX and XXXX has XXXX a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened with TSI/XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. 
Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Equifax- I have been working on my credit starting in XXXX of this year I paid all my bills on time and paid off some of them I went from XXXX to XXXX starting XX/XX/XXXX score dropped XXXX points of a mistake the Equifax part XXXX I filed a dispute letting them know that the information was wrong My Morgage payment did not go up it went down and I was told that the points would be added back to my account after they finished the dispute but nothing changed, again on my XXXX my score went down again by 3 points for just using my credit card, and again on XX/XX/XXXX it dropped XXXX  points on XX/XX/XXXX it dropped XXXX points and on XX/XX/XXXX my score went down XXXX points after paying off my XXXX XXXX account I just don't understand how my score keeps dropping when I'm paying all of my accounts on time. It seems like the more I work on my credit the lower my score goes so I need someone to check and help me understand what's going on.
Consumer complaint received 2021-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union : XXXX XXXX XXXX Acct : XXXX Inquiries XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 All of these accounts and inquiries are fraudulent creditors agreed to remove please remove.