davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
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: Experian Information Solutions Inc. (CA)

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Spoke to one XXXX XXXX of WellS Fargo he stated ref my complaint to CFPB the file or completion would be to back of line even though com plaints were made to CFPB ref to Wells Fargo Mortgage and Dealer Services? What one has to do with the other is uncomprehending? Mr. XXXX returned phone call @ XXXX XX/XX/2019 while I was away form notes and repairing my personal vehicle. XXXX XXXX XXXX XXXX left message to call never did to resolve matter! Now as retaliatory to my complaining to CFPB my actions with Wells Fargo will go to back of line. I have done everything that Wells Fargo has demanded including fax necessary documents from branch office on XXXX forbid a Saturday where the clerk had a terrible attitude. Ref to Dealer Services Wells Fargo argued the side of the dealer, XXXX XXXX the interest rate was not competitive most dealers charge 0 % mine was4.490. % resulting in a {$3000.00} down payment an alleged new vehicle with body damage Efforts to resolve matter have been to no avail XXXX, N.Y offered an upgrade to a XXXX XXXX XXXX XXXX @ {$380.00} a month withNO money down. Vehicle with body damage has sat in my garage driven there by spouse with only 98 miles on odometer since XX/XX/2019 This rip off is perpetuated by lack of any action by Wells Fargo who financed damaged vehicle!
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

Debt collector, COLLECTION BUREAU HUDSON VALLEY sent me notice in the mail to my location information in attempts to collect on an alleged debt that I do not owe. I did not give them consent to contact me and in fact I sent them notice to cease all communication with me in XX/XX/2021 in regards to an alleged debt. They are committing mail fraud by not putting the required notice on the mail that they sent to my location information through the United States Post Office. They are using language and symbols in the mail contents that they sent to me through the US postal services that indicates that they are attempting to collect a debt. They committed identity theft by obtaining my personal private information without my consent as they obtained my information from XXXX XXXX. They are engaging in conduct that is harassing and abusive by using obscene and profane language in the billing notice that they sent me. They are falsely and misleading the amount as to which this alleged debt is because it is a positive balance and a consumer can not pay on a positive balance which is also a billing error. They did not send me written notice within the first 5 days of initial communication with me containing the ( 5 ) notice of debt contents thats required under the Fair Debt Collection Practices Act, 15 USC 1692g.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and TransUnion have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX  sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XX/XX/2018 I had a XXXX credit score ( excellent ) with Transunion and a XXXX with  XXXX. For over 15 years the two bureaus have been within 1 to 15 points of each other with the same credit factors being reported. At this point let me express I am fully aware of what does and doesn't constitute score changes both lowering and raising. I have worked diligently raising these scores particularly in the last three years. Within 28 days, while XXXX and XXXX have risen Transunion has dropped 101 points given the same positive criteria like credit card payoff to XXXX  balance ( XXXX up 14 Transunion dropped 49 ) it literally makes no sense. The scores between the bureau are 100 points and two categories different. I dropped from excellent to good to fair in the space of 28 days with Transunion while my scores went up with XXXX. YES there can be a glitch or scoring model inaccuracy and the Transunion representatives that I talked to from level one to level three could not make any sense of this drastic score drop and even asked if I had a recent bankruptcy or default. No. I have excellent history of everything and still outstanding credit with other agencies. We're not talking about a 10 or 20 point difference here. This is 100 points for no reason. Please address this with Transunion and I'm confident they will find the scoring error.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

My mortgage was transferred to a loan servicing company known as LoanCare. I called them on XX/XX/XXXX when I noticed that the property taxes due XX/XX/XXXX had not been paid, and was assured they would be paid on time. I noticed on my county website in early XX/XX/XXXX that they still had not been paid and called the company. They told me to send an email, which I did. I then received a delinquency notice from my county treasurer last week, indicating that they had not been paid. I emailed the company again, since I had received no response. That was on Monday and I still have no response. I called the company tonight and been on hold with their customer service line for an hour. 

My escrow balance is far in excess of the taxes that are due, by the way.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called XXXX XXXX XXXX for the amount of {$260.00} I have no knowledge of this debt so I sent XXXX XXXX XXXX a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from XXXX XXXX XXXX in regards to the validity of this debt. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like XXXX XXXX XXXX to remove this debt from my credit report since they have denied me my right to receive proof of validation of this debt.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I was told that multiple hard credit checks ( shopping rates for purchasing a home ) within 30 days wouldnt damage my credit score. I decided to be thorough and had 28 credit checks for mortgage rate shopping from XX/XX/XXXX to XX/XX/year>, and this caused my credit score to drop significantly. I was told that this wouldnt cause my score to drop. And I am trying to close on a house this month! 
Also, I have paid off my credit card debt, but the debt is still showing up on my credit report, and is still damaging my credit score. I have never had my credit score be below 700 until now ( now its only XXXX! ). If I dont receive help from these credit companies quickly, I might lose the home Im trying to get. Please help me with this.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (LA)

XXXX XXXX is not allowing its users to see their balance in a secure third party app. It is largely inconvenient, but aside from that, users have the right to access this information in any way they see fit. It allows users to get an overall view of their financial situation and without access to this data, makes managing credit almost impossible. Further, it makes users think twice about keeping a credit account with banks who do not allow this access. Please fix this.
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase repeatedly calls my phone number looking for someone who has not lived here for XXXX years. 

I have told them to stop calling me, but the calls persist. 

Most recently, JP Morgan Chase called four times today alone : at XXXX XXXX, again at XXXX XXXX, again at XXXX XXXX, and the fourth time at XXXX XXXX. After the fourth call today, I requested the name and ID # of the caller. His name is XXXX, ID # XXXX. I also told an Account Supervisor named XXXX, # XXXX of the repeated phone calls and JP Morgan Chase needs to stop harassing me. 

They call me repeatedly. They call frequently. They called me four times today alone. They say they are going to take the number off their list but they don't do it, and the calls continue. 

I am not the person they are looking for. They are repeatedly harassing me. I want this harassment to stop. I do not want them to ever call me again. 

Note : all the calls today came from phone # XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

These are unauthorized inquiries ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  ), which I have not approved or given written permission to furnish in my credit report.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX  XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Absolutely ridiculous that we 're forced to pay for freezes of our credit to companies we have never agreed to do business with to avoid ruining our credit score that is a requirement to live in modern society. I have n't been able to get through to the companies to actually freeze anything because of the XXXX  caused by the equifax breach. The fact that they are charging consumers to protect their own credit and do n't have the infrastructure to allow people to do so when they need it is criminal. These are for profit corporations that are robbing consumers who simply want to avoid the absolute catastrophe of having their identities stolen. XXXX is even trying to profit from it by trying to get people to sign up for their credit monitoring service for a monthly fee. Once again the consumer gets XXXX and the corporation will keep on cashing in on people 's misfortune.
Consumer complaint received 2017-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

I sold some items on Paypal. They said money would be transferred to my checking account in one business day. Today is the third day, no money has reached my checking account. I phoned them they told me there was nothing they could do. I read our Paypal user agreement to them and they told me there was nothing they could do to release the funds at this time. Here is a copy of the user agreement : " We may delay a withdrawal, in certain situations, including if we need to confirm that the withdrawal has been authorized by you or if other payments to your PayPal account have been reversed ( for example, as a result of a chargeback, bank reversal or dispute by a buyer ). Additionally, if we place a limitation on your PayPal account while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation has been lifted. '' None of the above circumstances relate to my situation in any sense.
Consumer complaint received 2018-01-26
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: Santander Consumer USA Holdings Inc. (KY)

I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (IL)

ok I made a payment of {$99.00} on the XX/XX/XXXX they added fees in interest in the amount {$65.00} XXXX of my payment of {$99.00} .I am XXXX and have a hard time making the payment My identity was stolen in XXXX and usually they confirm charges this time they did not it was from XXXX and XXXX in the amount of {$160.00} that was in XXXX .I Told them I only stay at the XXXX XXXX XXXX XXXX and neither site said I was even registered. They did not recognize my email account. XXXX XXXX did nothing about it and I just had a small charge I did not recognize they took care of that. I am XXXX my income is limited now due to loss of medical insurance since XX/XX/XXXX
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (MN)

I accepted an 18 month 0 interest balance transfer promotion from Wells Fargo on my credit card in XXXX, XXXX. 

I called to confirm that I could still use my credit card to my regular purchases and that any payments that I would make would go towards the purchases not the balance transfer amount. They assured me that yes. And they said " The payments will always go towards the highest interest balance '' When I called the last month to make a full payment on the purchases ( and the minimum on the balance transfer ) I was told that they had - for the past several months - applied my payments 50 % to balance transfer 50 % to purchases. They explained that they had a 0 % on purchases promotion on my card ( which was unbeknownst to me, and they never told me when I called previously ). 

They then explained that the 0 % on purchases was a 6 month promotion that would expire in XXXX and I would owe the full amount of purchases then or be charged interest. 

I asked them to go back and apply all of my previous payments towards my purchases, since my balance transfer goes until XXXX XXXX and they said they ca n't. 

I believe this is an issue of structuring to harm the consumer. 

I accepted / opted in an 18 month promotion, but they gave me a 0 % on purchases that I never opted in ( apparently via mail and I had to specifically opt out ). This promotion of 0 % for 6 months in effect makes it so I ca n't actually take advantage of the 18 month 0 %. Because payment allocation goes automatically 50 % and 50 % so I end up with a balance within the 7th month. 

I request that they retroactively apply my payments to my purchases balance vs. my balance transfer.
Consumer complaint received 2021-09-08
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. (NJ)

XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX XXXX OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation
Consumer complaint received 2017-11-16
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. (OK)

On XX/XX/XXXXI sent a dispute to Equifax for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to XXXX for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My checking account has been closed by Huntington bank on XX/XX/XXXX and the bank didn't return the balance of the account to me. I went to the local branch to verify my identity on XX/XX/XXXX. and tell them I want my account balance back. But I still haven't received the balance in my account.