davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent CFPB Complaint # XXXX. It stated For XXXX years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/XXXX for review. XXXX Problems with Experians reply. XXXX ) I have yet to receive a copy of the permissible permission. XXXX ) I have yet to receive summary of any updates from data furnisher. XXXX ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint. I request Experian send me copy of permissible permission they received from XXXX XXXX XXXX XXXX for the XXXX loan that is on my credit report. If Experian refuses to do this, I ask for explanations. No more passing the buck. Experian replied today : At your request to conduct a re investigation for the account, we contacted the data furnisher ( XXXX ) and asked them to verify the accuracy of the information with which you disagree. They responded and it remains on your report as-is. The result summary was sent to you on XX/XX/XXXX for review.?????????????????????? I requested copy of the permissible permission. WHERE IS THE COPY OF PERMISSIBLE PERMISSION I REQUESTED YEARS AGO??? Experian just merely passed the buck again and XXXX continues to deny and refuse to send copy of the permissible pemission because it doesn't exist.
Consumer complaint received 2016-08-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated (CA)

beside them getting a judgment by default by not serving me the summons fraudulently filing proof of service to the court.i have been trying to get them to supply my with the date of my last transaction with Citibank na and my signed contract so I can take appropriate legal action.
Consumer complaint received 2016-06-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo made a mistake in my account and is incorrectly charging late fees and sending me wrong statements. Inspite of assurances provided by their representatives that since this is a system mistake a manual adjustment will be need to be made, nothing has been done for the last 2 months and harassing me with phone calls continues.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (NV)

Efforts to address these issues persist, yet a resolution remains elusive. In response to my letter submitted to the credit bureaus, your firm contends that my request for verification of inaccuracies on my report is deemed " frivolous '' or " irrelevant. '' It is crucial to emphasize that I do not perceive a matter of such personal importance as frivolous or irrelevant. Should my original request to verify the items outlined in my prior certified mail go unacknowledged, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. As a result, a thorough reevaluation of the following information is imperative. I respectfully demand validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such substantiation, I insist on the expeditious removal of these items from the report.
Consumer complaint received 2019-02-23
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. (IL)

I requested a copy of my free credit report from Transunion in XX/XX/2018 and received my report with the envelope opened. Upon inspection of the envelope, I noticed that the letter was not sealed properly. This is first class mail, very personal, my entire financial history so casually returned to me unsecured. I was upset and wrote them a letter dated XX/XX/2018. No  creditable response as of yet and I, take my credit serious and feel that this company has failed us.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IL)

I have an account with Wells-Fargo. Over the life of the account, nearly 5 years, I have been repeatedly charged NSF or overdraft fees that are a direct result of daily review of transactions by Wells-Fargo and changing the order of transactions to maximize their take on said fees. 
The attached bank records only show the monthly tally. What they do n't show is the very deceptive practice of manipulating transactions, AFTER they have shown as posted online, to maximize the assessment of fees for NSF or overdraft activity. 
This activity includes the approval of online transactions, only to assess me NSF fees by holding onto those transactions for several days before posting to the account. 
Clearly this is a practice designed to dupe the client out of their hard earned money. There is no excuse for this and it is morally and ethically wrong.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

Credit report showing negative payment history to them for federal student loans however, I never received emails, physical mail, or any other form of communication stating there was a balance or payment due. From all communication originally received, amounts granted were considered grants, not debts.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Nine fraudulent accounts have been opened through Capital One under my name, my wife 's name or under our address in the last 6 months. Capital one is impotent in the there ability to defend against fraudulent accounts through their online sign up. 
We are not customers of Capital one and they continue to send credit card offers through the mail to us. We block all credit card and bank offers through the XXXX opt out. Based on the opt out, we are being harassed by capital one. I need to know my options for taking this to the next level? Do I file a lawsuit? Nothing seems to prevent these idiots from allowing yet another account under our names. Please help...
Consumer complaint received 2022-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (RI)

i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX  XXXX  Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX
Consumer complaint received 2016-05-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I had a vehicle loan through Wells Fargo Dealer Services. I was in a position where I could pay off most of the loan and needed to do so to free up money for an anticipated new monthly payment that was coming up. I contacted WFDS and requested an early payoff discount, we haggled a little bit and we agreed to an early payoff amount. I have done this with vehicle loans in the past and not had any issues and expected this would be the same. Last month I noticed that I had a negative item on my credit report due to that account status being " collection/charge off. '' I disputed this item because the loan was n't charged off or under collection and had been paid in full per mutual agreement. They have now added remarks on this item to say " Payment after charge off/collection. '' This is still inaccurate - it still has never been under collection and was n't charged off. When I made the final agreed payment, I was ahead on payments on the loan, not behind. I never had a late payment. It was never under collection.
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (NC)

We purchased a home in XX/XX/2016. The mortgage company collects escrow for our property taxes and insurance. I have just received a notice in the mail that our property taxes were not paid in XX/XX/2016 and as of next week the delinquency will be advertised and collections, wage garnishment, bank account attachments, and foreclosure can take place. I have contacted the mortgage company three times, each time they let me know that they will fix it and get back to me. No action has been taken.
Consumer complaint received 2022-09-03
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. (AR)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (FL)

My credit report with XXXX is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo XXXX neglects student loan Borrowers who wish to elect to make additional payments automatically to their student loans. With automatic payments, Borrowers have the ability to manage the total cost of their loan by paying more than the minimum required payment each month thus reducing total interest paid over the life of the loan. Wells Fargo does not allow Borrowers to increase the amount of their automatic payments, instead requiring Borrowers manually make additional payments each month either through manual add-on payments or through their Bill Pay service. Both options force borrowers to schedule each additional monthly payment manually. Without the ability to automatically schedule payments above the minimum required payments, Borrowers are much more likely to pay the maximum interest charges over the life of the loan unless they remember to separately make additional payments each month. This serves to minimize pre-payment risk for Wells Fargo and investors in their Student Loan asset backed securities. However, it is also a contemptuous disservice to its Borrowers, many of whom are recent college graduates working to establish prudent debt servicing plans. Borrowers should be given the option to increase automatic payments towards their Student Loans. By neglecting to provide this option, Wells Fargo is, at best, discouraging their Borrowers from managing their total interest costs or, at worst, scheming to charge their customers as much interest as possible.
Consumer complaint received 2021-08-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

Chase Slate Credit Card - XXXX, paper billing stopped in XXXX, XXXX, and XXXX of this year. During this time I did not receive any communication from Chase either by paper, telephone or email. I did not remember how much I was paying and did forward a check for {$80.00}. I contacted Chase to ascertain what had happened. Chase stated that I had changed form paper to email, however I did not receive any emails. Chase went on to state the reason for not contacting me was that a system generated cease and desist was placed on the account in 2010. Chase then reported this to credit bureaus which caused me to lose out on a new employment opportunity. I voluntarily approached Chase and agreed to an {$81.00} per month payment plan. But not for the cease and desist, this would have have never happened. At no time did i convert monthly statements from paper to email, this was mischief. I ask that this negative information be removed from my credit file and allow me to finish out my career.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (CA)

I have identity theft since XX/XX/2023 and there was a hard pull from XXXX XXXX in XX/XX/2023. In the meanwhile, I have mail theft happening in my home, my mail was constantly missing so I didn't notice the fraud account in XXXX XXXX until police came to my door investigating the mail theft, and then I found XXXX XXXX 's statement about a balance in the fraud account. At that time the balance is around XXXX, under the credit limit XXXX. I called XXXX XXXX to close the account and they said they would do that. But the next day, I found the balance increased to around XXXX. And one week later i received their investigation result, saying I was holding reliable for the balance. I think XXXX XXXX didn't do the investigation and it brought me a lot of problems, I was dragging into the loophole to make calls again and again, just get the result I was still reliable. They won't tell me anything about the transaction in the credit card. I think it should be XXXX XXXX to fully investigate this case not asking me provide evidence again and again.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The account is XXXX XXXX # XXXX .... 

I've mailed 3 certified letters over a period of 3 years to Experian to verify this account belongs to me and they say that it does. How can that be if the account hasn't been updated in 4 years. Experian could not have done an investigation with XXXX and not have updated the account in 4 years. They lied. 

I want this account deleted from my credit report immediately or I will file a lawsuit.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (NJ)

I have a durable power of attorney for my mother 's Wells Fargo credit card account. Sent copy of POA to Wells Fargo twice. Wrote letters twice. They acknowledged each time in writing. Despite the effort on my part, Wells Fargo continues to deny me access to the account. Customer Service makes NO EFFORT to resolve. Just refuses to help.
Consumer complaint received 2022-09-03
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. (TX)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my Tracking Number # XXXX XXXX XXXX XXXX XXXX. However the Credit Bureaus said the completed the Investigation and EVERYTHING was 100 % Accurate. 

According to The Law 15 U.S. Code 1681a- Definitions ; Rules of Construction.

The Term " Investigation 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 conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.???? 

How did they complete this INVESTIGATION??????
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (TX)

I have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX XXXX which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I had a Bank of America account in 2009 and some one got a hold of my checks and over drafted my account by over {$1700.00}. Bank of America refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to XXXX. We are disputing this for a XXXX and hopefully last time
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Schwabb has done 2 investigations both yielding the same and inaccurate result about a fraud claim. They are using the same reason as the first time to deny my claim. I have stated on here the CFPB that I have been defrauded and Schwabb is doing absolutely nothing about it. I did NOT authorize any transactions and DID NOT receive any sort of merchandise or services for the money taken by the merchant from my account. There has been zero exchange of goods and services between me and the merchant. Schwabb has called and left voicemails, they have VERY limited hours for the department I am to speak to, and when I call the point person assigned to my case he nor anybody in the department picks up the phone. They closed a second " investigation '' without doing ANY investigating. They never spoke to me, and more importantly they still haven't said ANYTHING about reaching out to the merchant about this. And the reason for that is because THEY CAN'T REACH THE MERCHANT, BECAUSE THE MERCHANT KNOWS THEY ARE DEFRAUDING PEOPLE.
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I Am a federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX  Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT