davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

We sold our home to a buyer on XXXX or XX/XX/2020, and the mortgage company Well Fargo is reporting that we foreclosed on the home, then Wells Fargo put this incorrect and inaccurate information me and my spouse 's credit report, according to the XXXX XXXX report. This incorrect and inaccurate information is preventing us from getting another Home Loan with several companies waiting for this information to be removed. We have already lost two or three homes we were interested in purchasing, but Wells Fargo 's incorrect and inaccurate information continues to impact and hinder this process. 

We have all the documents and forward them to Wells Fargo, but it appears the left-hand does not what the right hand is doing. In fact, we were told by a loan officer that Wells Fargo did not know the loan was paid in full. This only requires checking the acct. number, unless their XXXX  system is not providing the correct about home Mortage accounts. I don't buy it! This is a dishonest practice by this company and I am almost sure they are doing this to many other homes mortgaged accounts with Wells Fargo. 

We have provided them with all the documents, yet they prefer to do nothing. 
Please us get this resolved as soon as possible. I will be reaching out to my personal lawyer as early as next week!!
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (FL)

I had a Debit Card ending on XXXX witch was cancel most likely more than XXXX month ago. 
This Debit card number was cancelled by me, when i ask to be issue another Debit Card ending on XXXX. 
A company name XXXX witch i make business in the past, have in record my old cancelled debit card ending on XXXX. 
Citibank fail to protect my account allowing a transaction go through with this cancel old debit card number. i call City Bank and ask for intermediately refunds of my funds since they as an institution allowed this to happens by not been properly canceling the old debit card. Call second time and was transferred to the Corporate Support Team where XXXX told me that the case was file and just have to wait. Because of this Bank Mistake my account is in Negative and now I can not perform any transaction in my account causing me an inconvenience situation and frustration no allowing me to take my money out to support my family.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (KY)

Today I discovered a charge called " Payment protection '' on my Discover Card transaction list. The charge must have been going on the card monthly since I have had it because it shows up throughout my transaction list. I look into what this " fee '' is and I see that it covers me if I ca n't make payments. I have my payment auto-deducted and I 'm sure that I have paid way more than three month 's worth of payments in the form of this fee. No one ever asked me if I wanted such a fee and they keep charging me with it. How much money have they been teasing out of my account through this " fee ''. Too much I 'd say.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2016-03-07
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I tried to send money through Western Union, the money is on hold and they are giving me the run around and wont do anything to help resolve this issue. they have asked me several times about my identity and even ask me for a copy of my drivers license, which i have sent to them twice and still wont return my money.
Consumer complaint received 2015-10-22
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I went in to Cash Max, located at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, TX XXXX on Wednesday, XXXX XXXX, 2015 for a {$350.00} title loan, and per rights granted to me by law, went in XXXX days later on Saturday, XXXX XXXX, 2015 to pay it off and cancel the loan free from any fees. However, when I went in to cancel the loan, I was charged an additional fee of {$28.00}. So although I was within the 3 day period to cancel, they charged me additional fees, and did not have my title.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

On XXXX I called the Equifax Credit company, so i can Dispute an account On My Credit file I gave the name Of the Creditor Which is XXXX, I went on online several times To check the status with no results. 
The Reason I was dispute this account Is because, This account It was included On My Bankruptcy XXXX And I had Been Dismissed since XX/XX/XXXX, to my understanding every account included in My Bankruptcy should be Deleted out my Credit File. 
As a today I have n't heard anything from Equifax at all.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

. 
EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is {$4000.00}. EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$130.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access counsel 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. 

On XX/XX/XXXX, the day I submitted the original CFPB complaint, I did see some resolution by speaking with an agent by the name of XXXX. He was able to see the documents, and changed the information online. I was able to pull a report, on XX/XX/XXXX that reflected the CORRECT information. As a result, I responded " yes '' when someone asked if everything was fixed. Unbeknownst to me, someone had changed my social security number BACK to the INCORRECT social security number. 

And the original complaint was closed before I could locate my login credentials for the CFPB to respond that it was in fact, NOT fixed, that it should NOT be closed out. 


Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AR)

There is a duplicate item on my credit report with equifax. I have told them both on the phone and through the dispute process that it is a duplicate. Its obvious as well because both accounts have the same balance and the same account number. For some odd reason there is a different reporting date. I talked to the reporting company and they said that they agree it is a duplicate. No matter how many times I dispute this item equifax refuses to do an actual investigation. Its unreal that they could get away with incompetence on this level.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 XXXX
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AR)

I 've requested the the servicer of my student loan Navient remove negative information from my credit report that is over 7 years from date of 1st delinquency even though it 's accurate. I 've submitted to them my credit report that shows that I was 90 days late XX/XX/2009 which is would have made me 30 days late XX/XX/2009. XX/XX/2009 is over 7 years past the date of 1st delinquency so by law this information should be removed from my credit report. Navient refuses to remove the information.
Consumer complaint received 2024-02-15
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
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. (TX)

To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXX  several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.
Consumer complaint received 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MN)

I have an FHA insured mortgage serviced by US Bank. I became unemployed in XXXX 2014 and applied for unemployment forbearance. Because I recently found part time employment with XXXX. I am currently working approximately XXXX hours per week but anticipate getting full time hours in the near future. US Bank denied my request for forbearance stating that I am not eligible because I am employed. I therefore am in a kind of catch XXXX situation. The fact that I gained part time employment with a reasonable expectation of becoming full time is in fact penalizing me. If I was still unemployed I apparently would be eligible for up to 12 months of unemployment forbearance! This is completely absurd! It is often the case employers hire part time to full time rather than immediately full time. I am therefore asking for forbearance until I do get to full time status- with in the next 6 months. I am asking for human intervention that can see this " canned '' response just makes no sense!
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.
Consumer complaint received 2021-12-28
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)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sirs, I have had a mortgage loan with bank of America for several yearsI owed around XXXX dollars. I was paying interest only on the loan at XXXX percent. Finally when My home value went up they offered me an opportunity to refinance at t XXXX percent. this was in XXXX of 2013 There were no closing cost. 
My problem is the payment mortgage insurance. I was told that since I did not have 20 percent equity, ( I was at 18 percent ) based on a home value of XXXX dollars I had topay P.M.I. .There was no transparency. They claimed they did n't know how much the P.M.I insurance payments would be or how long or even the name of the company issuing it. I ended up paying XXXX dollars a month in pmi I was told I would have to pay for XXXX year. After one year my my Home value went up to XXXX dollars I called the bank ( since I still did n't have the name of the P.M.I. company ) .I was told I would have to pay P.M.I. for two years even if i did now have twenty percent equity. I feel like there has been no transparency and that the wool is being pulled over my eyes.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

Citi deleted XXXX Thank YOU pts earned from my AT & T Universal Reward s Card in 2015 without notifying me of expiration or Terms & Conditions. To the contrary a Citi phone rep told me the points would NOT expire as long as I maintained at least XXXX active Citi credit card via charges every year. In fact, I 've had multiple charges every month on an XXXX Citi credit card. Further, I never received notice my points would expire or did expire AND the ThankYou Rewards Terms & Condition do not state points expire due to not using the card earning ThankYou points. Yet the points expired and neither Citi credit card OR ThankYou supervisor would reinstate the points
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have multiple cards with capital one either that I signed up for with them or a company that they acquired. XX/XX/2018 I called customer service because I was charged membership fees XX/XX/2018. The representative told me that for the one that was XXXX she could make a rewards card and the one that was XXXX she could make a rewards card because I was paying the fees but not getting anything. I call almost every year about these fees because thats what I was told to do they dont remove them but they look to see if anything can be done or if they can go away permanently. This rep. told me that the 2 cards I pay XXXX on already are their original cards one is a XXXX so its good but the other cards Im paying for can be upgraded to XXXX as well. I asked would the fees be lowered to the standard amount of XXXX and she said no. I asked if the rewards would be back dated to when CapOne acquired the accounts since Id called multiple times she said no. I asked if I could have the prior fees refunded and she said no. 
That makes absolutely no sense. I appreciate her offering me the upgrade but you cant charge me XXXX dollars for an XXXX from XXXX and XXXX for an XXXX from XXXX and expect me to be ok with that. 
I declined because I needed a better resolution. I wasnt transferred to a supervisor. I told her I felt that I was mislead by several representatives and that I was deceived and that the treatment was very unfair but she was not empathetic at all.