davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (NY)

I have had persistent problems obtaining a deferment from Wells Fargo despite submitting all documentation as required months ago. Following a CFPB complaint, I had a telephone conversation with a Wells Fargo representative on XXXX XXXX, XXXX, who assured me that I would receive a response for my deferment request within XXXX business days. XXXX business days have since passed, and I have not received any response.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I open an account in XX/XX/XXXX for dental work and agreed to pay XXXX a month until paid in full. XX/XX/XXXX when I paid the account in full and never used again .. now more than 4 years later I received a letter from XXXX XXXX dated XX/XX/XXXX stating the account will be closed for serious delinquency, time since delq is too recent or unknown, I was never late with a payment in the four years that I had this account and even paid in full early, When I called XXXX XXXX on XX/XX/XXXX I spoke to a woman who all she kept saying was that She will not help me if I continued to yell and get mad, I advised her I was not yelling and I was not angry yet. All she would do was transfer me to a XXXX XXXX XXXX ( that is the number he gave me as reference ). I told him that I was never late with a payment and if the account is paid in full how can I be seriously delinquent .He said to call XXXX XXXX the credit reporting agency. Again I told him you are the ones reporting to XXXX XXXX  this needs to be fixed now, he then was making Hmm sounds and did nothing for me, Since I have never paid this late and it has been more than 4 years since used. it I feel this should be taken off the credit report.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

XXXX Purpose : Please give me my interest XXXX points. 

My PREFERRED credit card was closed on XX/XX/XXXX by Citibank, but my interest was XXXX points after negotiations they refused to give me, now asking CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

I got a call on XX/XX/XXXX from Aragon agency that I owed {$100.00} from an accident XXXX years ago. That debt was paid by my attorney by the collector XXXX XXXX XXXX. The representative said if I could provide proof that there would be no more hassle. Every time I call trying to provide proof I ca n't get anyone to give me an answer.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital (FL)

The company keeps calling my cellphone and home phone at least oncea day, despite me telling them they have the wrong number. I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), Omnipoint has blatantly disregarded these regulations by engaging in relentless and unwarranted communication tactics. I believe that Omnipoint 's actions constitute a clear violation of my rights under the FDCPA, which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices. Their relentless pursuit of contact despite my explicit instructions demonstrates a blatant disregard for the law and a lack of respect for consumer rights.
Consumer complaint received 2021-05-22
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. (AL)

ON XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX is advertising rates on their website they can not give to me. I am purchasing a home for {$650000.00}, putting down {$200000.00}, mortgaging {$450000.00}. I have a XXXX fico core. Their website says they can give me a rate of 3.75 %, XXXX points. When I called, the LO said he could not offer that to me because I was located in a High balance area but that he could offer me a rate of 4.25 %, XXXX points and they would offer to lower this rate by an .125 % if I would open up a checking account at a Citizens Branch and sign up for auto pay. 

How can a company misrepresent rates on their website?
Consumer complaint received 2017-09-28
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: BMW Financial Services NA, LLC (GA)

The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (SC)

I opened a Discover Secured Credit Card on XX/XX/XXXX. I made my security deposit on XX/XX/XXXX. I have never been late on my payments and my credit report shows I was always in good standings. I went to go apply for a student discover card recently on XX/XX/XXXX and I was denied due to the status of my existing account. I received a letter stating that my account was closed due to non-verification. I called the number listed on the letter and after several transfers and multiple agents, I get to the verification department that stated that my account was closed on XX/XX/XXXX, because I never submitted a copy of my XXXX taxes to them for verification. I asked how I could go about submitting the documents now, the representative told me that they could not reinstate my account or accept any verification at this time. He also stated he could not tell me how long this STATUS would appear under my name preventing me from opening any account with discover. That at this time they can not assist me because of the status of my previous " IN GOOD STANDING '' account. I never received a letter in the mail or an email about this verification process. I asked to speak to a supervisor regarding this matter, they told me they were too busy to take my call and that someone would call me back in 3 days. I still have not heard from anyone and that was a week ago. I am in shock that discover would do this and that no one has been able to help me reinstate my account. My score dropped tremendously due to them closing my account and the remark on my report is beyond absurd, because I have proof that I was never delinquent on my account. The representatives in this department are rude and unhelpful. Discover is known for their customer service and being all about their clients, but with this experience I would not recommend them at all. I have other credit cards and I have never been asked to submit my taxes for verification? I would like for someone to help me reinstate my account.
Consumer complaint received 2017-09-27
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. (NY)

I am filing this complaint because experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information which can not be verified ''. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-09-28
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. (CA)

Hello. I am writing in reference to incorrect information placed on my credit report. My name is XXXX XXXX, Social Security Number XXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The information placed on my credit report is in reference to a medical bill, for {$150.00}, by XXXX XXXX, titled XXXX, dated that it was opened " XXXX XXXX, XXXX ''. There is no account number presented on my credit report, nor is there any contact information for the hospital. The hospital is located in Maryland. This medical bill/account does not belong to me. I did not receive any medical service from this hospital during that time period. I have been living in XXXX XXXX, CA for the past 4 years, in which my credit report also shows my address as being in California. I disputed this information to all 3 credit agencies and XXXX and XXXX both found that there was not enough evidence to prove that the account belongs to me, therefore, they removed it within 2 weeks of my dispute. However, I have made the same dispute to Equifax, twice, and they still refused to have it removed, even after I called to ask them what proof was presented to prove that the bill belonged to me. The representative could not explain, just stating that the hospital had my name and date of birth. I then replied that they may have that in their database as they do with anyone who may have visited the hospital in the past. I have not visited that hospital in over 4 years. I have no other " negative '' nor derogatory information on my credit report besides this one hospital bill, which I know is clearly a mistake on their behalf. Also, I had never received a letter from them. I also contacted the hospital to dispute the charge and they told me to write them a letter to dispute and stated that there is nothing can do because they " sold '' the account to a collection agency. I asked what she meant by sold, she refused to answer. I asked her how could they sell someone 's personal information and do not have the proof needed to prove that they have the correct person. I stated to her that people use others information to receive medical treatment. She then stated again that I would have to contact the collection agency or credit agency. I wrote the letter and faxed it over and then was told two weeks later, when I called back to follow up, that they never received it. A different representative then stated that I needed to go through the collection agency or credit bureau because it is out their hands. I am requesting that this information please be removed from my credit report as it does not belong to me. And again, this is the only derogatory information on my credit report, which has caused a decrease in my credit score. Thank you so very much for your time and I look forward to hearing back from you soon. 

XXXX XXXX
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion about a public record they have listed, Bankruptcy. Transunion have it noted that XXXX XXXX verified the information. When contacting XXXX XXXX they have sent me a letter that my file has not been shared and they have n't provided any information. I also contacted the county clerk that the said bankruptcy was filed and they stated that they do n't verify any information with credit agency 's. Transunion is giving false information. 

Also under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report.
Consumer complaint received 2017-09-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I have been in contact with my bank regarding my mortgage loan since XX/XX/XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the three credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even  further. I have brought this matter to XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only one has received any updated information. That information is still not submitted correctly by XXXX. I have been given the run around and the issues still have yet to be corrected by XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit score reinstated as XXXX should legally be doing after they failed to report payments made on my mortgage loan since XX/XX/XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-30
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. (TX)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section XXXX plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2017-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On X/XX/17 I called TransUnion Credit Bureau and told the representative that I was a victim of the " inquiry issue ''. To my dismay they told me that they did not know what I was talking about. There was indeed a glitch and TransUnion took off inquiries and then put them back on my credit report.Clearly a breach of FCRA 611 5 ( b ). Attached are copies of my most recent credit report with all of the inquiries I want removed immediately.
Consumer complaint received 2021-11-30
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. (GA)

I have sent OFFICIAL NOTICE to EQUIFAX on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

EQUIFAX was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

EQUIFAX has refused to delete the account above which is currently in litigation.
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On X/XX/2017 Portfolio Recovery Services signed for a certified letter ( see attached ) that I sent requesting " validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' I have yet to receive any evidence showing that the debit is valid and belongs to me. <P/>They did mark my credit report with a status of " disputed ''.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

A fraudulent check ( check # XXXX ) in the amount of {$400.00} was cashed at a US Bank location. The check was paid to someone that I did n't write a check out to and that I have never met named XXXX XXXX. I have a copy of the check - that includes his fingerprint. {$400.00} was subsequently withdrawn from my US Bank account even though the check was fraudulent. When reaching out to US Bank to try and get them to cover the {$400.00} as it was a bank error, they refused, and I was forced to cover the cost. I tried to track down the individual who cashed this check by reaching out to the US Bank location where it was cashed but they did n't have video surveillance. It is absurd to me that I am responsible for a fraudulent check that was cashed at a US Bank branch when it was their responsibility to prevent fraudulent check withdrawals and at the very least document when someone cashes a check at their branches. AND, if they have his fingerprint and his name, why was it impossible for them to identify the individual who cashed the check? Please help me!
Consumer complaint received 2017-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

XXXX written statements were received in the mail indicating that a collection agency was seeking to collect a debt. In addition, the statement was also sent to a previous address. I do not owe the amount that it states. 

Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX Phone : XXXX