davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (AL)

FCRA section 611 ( A ) ( 5 ) ( b ) ( ii ) states Experian is required to notify me 5 ( five ) business days. 
( B ) Requirements relating to reinsertion of previously deleted material. 

Remove this item because your violation my rights as a consumer
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is report two accounts which is the same account. They are reporting a ghost account which has destroyed my credit score. I have contacted Experian, with no results.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP (TX)

I received a refinance interrest rate offer of 3.5% from Network Capital in XXXX California. After they completed a good faith estimate and sent someone here to do an appraisal another lender sent me an email guaranteeing 3%. I told Network about the other offer saying I think I will go with the XXXX lender. Network immediately said they will match their offer if I could get a good faith estimate proving their offer of 3%.  I told them they should have made that offer from the beginning and I wasn't going to have the XXXX lender construct a GFE just to bring my business to them. Network began very aggressively, to the point of extreme harassment, trying get me to make a deal with them. I finally had to threaten to call their District Attorney's office to make them stop calling me. I told them to give it up. I'm going with someone else. The only thing I need to finish my refinance with the XXXX lender is for Network to transfer the appraisal to the XXXX lender but they won't do it. They are essentially holding MY appraisal hostage so I can't go somewhere else.
Consumer complaint received 2015-10-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (CA)

This account was placed in collections on XXXX XXXX, 2003 and is over 13 years old. I had the account removed 5 years ago from my credit report. Now this old 13 year old account is back on my credit report.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (MD)

Comenity Bank XXXX XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (WA)

We attempted to make a claim for a burst pipe on our home to XXXX XXXX. XXXX XXXX informed us that our policy had been canceled since XXXX for non-payment. Our Mortgage lender at the time in XXXX was Wells Fargo. They were responsible for paying for insurance and taxes out of escrow. In XXXX XXXX XXXX  we were notified we had a shortage on our escrow account of {$520.00}, we paid {$520.00} on XXXX XXXX XXXX We had been notified by XXXX XXXX XXXX XXXX ( where we got the policy for XXXX ) that the mortgage company hadn't paid the renewal premium yet, but since we had paid into escrow we knew the money was there and that Wells Fargo would pay. 
We called Wells Fargo today, XX/XX/XXXX after finding out that our XXXX XXXX XXXX XXXX had been canceled in XXXX, upon speaking with a customer service rep, they said XXXX had never billed Wells Fargo for the insurance premium and there was no information about cancellation until XXXX XXXX XXXX. We as the customer never got information from Wells Fargo that they didn't pay the premium and we never got notification from XXXX that our policy was canceled, nor did Wells Fargo notify us that our insurance was canceled. Wells Fargo said they would open a work ticket to investigate this information further. 
Our mortgage has since been transferred to XXXX XXXX XXXX in XX/XX/XXXX. We called XXXX XXXX XXXX to inquire why we weren't notified from them that we had a mortgage without home insurance. After talking with multiple departments on the phone, it was found that when the loan was transferred to XXXX XXXX, Wells Fargo had marked our Earthquake policy through XXXX insurance as our " Home owners insurance '', and so until we called, XXXX XXXX had marked down that we had home owners insurance through XXXX, but it's just Earthquake insurance ( this was a supplemental insurance because with our XXXX policy they did not cover earthquakes ). 
We also called XXXX XXXX XXXX XXXX which is our agent through which we got the XXXX policy, their records showed that we still had a home policy through XXXX. When they logged into XXXX XXXX XXXX our policy showed as canceled, but XXXX never notified XXXX that it was canceled, they are opening a ticket with their system to contact XXXX and get more information.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have new information pertaining to my complaint I submitted to TransUnion. I sent a complaint on XX/XX/2022, but they were attached to the complaint. That complaint was mainly for XXXX Bank. They responded to the complaint on XX/XX/2022. They did not give me the proper response because they said they need more time to investigate, up to 60 days. This is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response.
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2017-09-26
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. (ND)

I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/2015 I faxed Trans Union a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Trans Union saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.
Consumer complaint received 2015-05-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Prestige financial constantly uses tactics such as harrasment and providing false information in an attempt to receive vehicle loan payments. I was advised for my XXXX 2015 payment that I owed an additional {$340.00} in fees. I received no advance warning via mail, email, text, or telephone although they constantly use those methods ( excluding mail ) to harras me if I am one day or more late with making a payment. I requested Prestige provide me with breakdown of additional charges on XXXX/XXXX/15 and as of today have not received any documentation, and am still being harrassed to make payment for fees. Prestige has reported multiple inaccuracies regarding car loan, and it has gotten to the point I dont even know my accurate loan balance. The online system reports one amount, and the representatives give you another amount. Prestige financial uses predatory lending practices and needs to be investigated.
Consumer complaint received 2020-10-16
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. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a credit card with XXXX card services. The account # XXXX. XXXX closed my account and took away the reward points that were accumulated in this account. XXXX profited from their one sided action, which is illegal or at least unethical. I ask that XXXX will pay me the value of the rewards that were accumulated in the account
Consumer complaint received 2016-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

I just do not know what next steps to take regarding my private loans. I can not afford to pay on these loans at all. I only brought home XXXX last year and I am a single parent. I would like to pay what I can which is not a lot, but the lender is saying it 's not enough. Since I have graduated I have not had a good paying job that will allow me to pay for my private student loans without sacrificing necessities. I have been trying hard to find a better paying job but I am afraid that the negative marks from these loans on my credit report are playing a huge factor as to why I am not able to succeed much in being offered a better paying job.
Consumer complaint received 2022-07-20
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. (CO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP (MI)

I spoke with debt collector after I received two letters certified mail. I also set up arrangements. Then I wake up this morning with the same notice taped to my door with all my personal information on it. Which is unacceptable a consumer private information should never be out in the open. I need to know what to do moving forward this should have never happened.
Consumer complaint received 2017-09-26
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: Experian Information Solutions Inc. (ND)

I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear TransUnion Dispute Department, I am writing to dispute information that is being reported on my credit report. According to my credit report, there is a collection account from XXXX XXXX XXXX ( account number XXXX ) that is marked as unpaid. However, I would like to inform you that I have no knowledge of this account and it has been paid off. 
I have thoroughly checked my records and do not recall having any dealings with the XXXX XXXX XXXX or any other collection agency for that matter. Furthermore, I have no recollection of owing any outstanding balance to this agency or any other creditor. 
Additionally, I would like to inform you that I have checked with the original creditor associated with this account and confirmed that the balance has been paid in full. Therefore, I request that you investigate this matter and update my credit report to reflect the correct information. 
Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I believe that the information related to the XXXX XXXX XXXX  account is inaccurate. I request that you investigate this matter and remove the account from my credit report or update it to show that the balance has been paid in full. 
Thank you for your attention to this matter. Please let me know if you need any further information or documentation to support my dispute. 
Sincerely, XXXX
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

When I set up my checking and savings account with Bank of America, I was assured that I didnt need to opt out of the option to allow my card to work when the account was overdrawn, because I had set up my overdraft protection. Imagine my surprise this morning when my account was - {$400.00}. Had I known on Thursday that my account was overdrawn, I wouldnt have spent all weekend using that account.
Consumer complaint received 2016-08-17
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a call last night from XXXX XXXX, XXXX XXXX XXXX XXXX ext. XXXX a Bank of America representative. She stated that she was here to help me and that she works closely with the risk department. She also stated that she received my complaint from CFPB and wanted to address my concerns. So I asked XXXX questions, 1. Why are you guys holding my check until XXXX XXXX when it was drawn on a Bank of America account? 2. Why is my account being closed. The rep could not answer either question. She kept stating to allow her 15 days to review my account and she will get back to me as she had not researched my account as of now. I stated well what was the purpose of you contacting me if you did n't know what was going on. I advised that she should have researched and then reached out to me. She then stated that she knew why my account was being closed and kept stating well you signed the signatures cards and because of that Bank of America does not have to disclose this information to you. I asked if they were going to cover my late fee that I occurred because of this and she kept saying give her 15 days to review my account. I advised that I do not have 15 days to wait and had I known this, I would have simply cashed the check and paid the fee that they charge for not being an account holder and I would not be going through this nightmare. These people at the risk closure department XXXX XXXX XXXX XXXX Option XXXX feel as though they can do whatever they want to the consumers and nothing will happen to them and that they do not have to tell the consumer anything and they do not have to give the consumers their fund within the time frame disclosed in the disclosure form but yet want to mention the disclosure form when it is against the consumer. I need my money and I want them to cover my late fee.
Consumer complaint received 2015-08-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

On Thursday, XXXX XXXX, 2015, I completed an on-line transfer of funds intended for a receiver in XXXX in the amount of XXXX. I received notification that my transaction was on hold. The reason given was that the receiver 's name was similar to someone in the system that was n't allowed to use any financial institution. It was requested that I send in identification information for the receiver along with the receiver 's relationship to me. When I explained that I did not have the receiver 's ID info ( photo of driver 's license ), the conversation changed. I was told that WU could not refund my money until they had that information. I requested at that point that the transaction be cancelled because I did not have that information nor should WU demand that " I '' get that for them. Now, after several attempts to speak with someone that could handle this situation, I still have no resolution and my money has not been refunded to my account. WU continues to demand that I send in the receiver 's information because of government regulations/investigation. I was speaking to a customer care rep that actually hung the phone up in my face as I was trying to get more information and understand why my funds could not be released. I am extremely frustrated and disappointed that WU would require me to send in someone else 's information. According to the terms and conditions for residents in XXXX, refunds should be made within 10 days. It is now Monday, XXXX XXXX, 2015, and I have no resolve to this situation. Refunding my money should not hinge on someone else 's situation. I provided WU with my information. I was made to feel that I was being investigated. I simply sent money to a person. I have nothing to do with the situation that I 've been thrust into. Every time I call WU, I am on hold for a very long time, then when someone answers I am transferred to another department and all I get is the run around. I 've received different information from everyone I 've spoken with. It is absolutely ridiculous.
Consumer complaint received 2022-07-20
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. (CO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I heard about the CFPB 's lawsuit against TransUnion & XXXX re : misleading consumers into signing up for their credit monitoring service and wanted to add my complaint. I do n't need a refund, as I do n't believe I was charged more than {$1.00}, but I wanted to share my story. Last year I inadvertently signed up for TransUnion 's credit monitoring service, thinking I was only requesting my free annual credit report. It was not made clear that I was signing up for a subscription service that would cost a monthly fee. The site did say that I would be charged {$1.00}, which I thought strange since I thought consumers were entitled to a free report every year. But, since I was n't sure, I went ahead and authorized the {$1.00} payment, thinking it was for my credit report. Turns out it was their promo fee for the monthly subscription. It took a while for me to figure this out, but once I realized the mistake I was able to cancel my subscription before they began charging me. Thankfully, I only lost {$1.00}.