davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Equifax has had a settlement fund that they've been paying out to people, so I'm reaching out because i absolutely deserve reimbursement. To make a long story short, my bank ( XXXX XXXX ) said i had an account that i didn't actually have a few years back, so i pulled my credit reports which caused you to make like a dozen mistakes, the most recent being the face you just cost me {$300.00} and i want that money because you are literally the only reason why i didn't get it ( proof shown below ). Here are the complaint id numbers for the previous cfpb complaints in order # XXXX # XXXX # XXXX # XXXX The original complaint i sent in mainly focuses on the issues that are relevant now. You outright refused to help, so much so that i had to send in an additional XXXX  complaints afterwards and still never received an official answer. You did every but what you were supposed to, that being " helping me ''. I wasted at least a dozen hours sending in complaints on here, on the phone with you, pulling credit reports at XXXX and XXXX to keep an eye on my identity since you refused to help, etc. The actual time you caused me to waste is likely much higher though. For crying out loud, i was still pulling my credit reports a year after the first complaint because you literally refused to help me. About the only thing you actually did for me was place a freeze on XXXX credit bureaus, which leads to me loosing the {$300.00}. I recently tried signing up for a XXXX  checking account because they were offering a {$300.00} bonus if someone direct deposited {$500.00}, but i received a message after trying to make an account that i wasn't allowed due to a credit freeze ( XXXX  pulled a soft inquiry ), the credit freeze that you placed on my account more than 4 years ago and you never even gave me a way to unfreeze the credit either, but i managed to find a way. I then reapplied to XXXX  but i was denied again. They sent me a letter in the mail a few days later saying they couldn't verify me, which only happened because of the credit freeze you put in place because you refused to let me do anything else, even going as far as to refuse to let me have an actual credit report with you in the first place.
Consumer complaint received 2021-04-07
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. (NC)

Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX | XXXXN/A, N/A, NXXXXA XXXX, XXXX Credit Bureau-XXXX-XXXX  XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX Credit Bureau-EFX-BENMYNATT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
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
Consumer complaint received 2021-11-29
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. (AR)

I BEEN HAVING PROBLES WITH TRANSUNION FOR A FEW MONTHS. THEY CONTINUE TO PUT MY FILE INTO THE FRAUD DEPARTMENT AND I HAVE BEEN A VICTIM OF FRAUD. I CONSTANLTY HAVE TO CALL 4 DIFFERENT DEPARTMENTS BEFORE I CAN SPEAK WITH A REP. THE SUPERVISOR XXXX SAID THAT SHE WOULD HAVE MY FILE REMOVED FROM THE SPECIAL INVESTIGATION DEPARTMENT BUT ITS STILL THERE. I HAVE REQUESTING SEVERAL TIMES TO BE REMOVED OUT OF THAT DEPARTMENT AND PLACE IN THE REGULAR DISPUTE DEPARTMENT. ALSO THAT HAVE REFUSED TO PROCESS ANY DISPUTE I HAVE SENT BY MAIL. I AM REQUESTING THAT YOU PLEASE HELP RESOLVE THIS MATTER.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (NY)

On XX/XX/21, I received a phone call from Popular Bank employee XXXX XXXX that my external account could not be processed because I needed additional documents to prove my identity. Ms. XXXX requested that I email the documents to Popular Bank employee XXXX XXXX which I did. On XX/XX/21, Ms. XXXX sent a confirmation that she received my documents and that my external account would be operational on XX/XX/21. At the end of the day on XX/XX/21 I get an email that no documents were sent and that my account was frozen. On XX/XX/21, I call customer service who tried to contact both XXXX XXXX and XXXX XXXX but neither were working. I was then again instructed to send my documents to Ms. XXXX but was also informed that she has to forward my documents to the " correct '' department and that this process will take another 3 days. This means an entire week with no access to my money.
Consumer complaint received 2017-04-26
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. (PA)

Back in  XXXX  of this year I informed the cre dit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax wont allow me to file a dispute online or answer any phone calls. Inaccurate reporting on account affecting home purchase. Contacted company that has account on report stated they contacted Equifax but Equifax didn't remove said account. Problem is with Equifax and their failure to keep up with proper reporting.. Account info. 

XXXX XXXX finance XXXX {$2500.00} Account closed and should be removed, was in Chapter XXXX bankruptcy that XXXX XX/XX/XXXX. 

XXXX XXXX bank inquiry removed-bankruptcy chapter XXXX XX/XX/XXXX Bankruptcy that was-dismissed wish those to be removed. Reference number XXXX Date file XX/XX/XXXX Equifax does not respond to written disputes, nor can you file electronically. Equifax phone number dosconnects when you choose any options.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or about XX/XX/2022, I responded to a mail offer for a Walmart Capital One Card. I was approved for a {$2000.00} credit limit and the card was mailed to me. The card is frozen and Capital One asked that I go through an identity verification process. On three times, I sent in copies of my driver license, social security card, utility bill and other identity documents. On XX/XX/2022, a representative contacted me from the fraud department to discuss my application. After verifying information, I was told they would remove the block from the card. As of today, that has not been done. When I call back to speak to somebody, I am told the card is permanently blocked, then transferred to another department. The other department tells me they are working the application. It's like the left hand doesn't know what the right hand is doing. I need help.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I applied for a chase sapphire preferred credit card that offered a promotion of XXXX .iles after spending {$4000.00} the first XXXX months. Upon receiving the card, and after they ran my credit, they changed the promotion to XXXX miles. I have asked then to honor the promotion they advertised when I applied but they will not. I then asked them to cancel the card, and reverse the credit inquiry, and they will not.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC (CA)

On or about XX/XX/2018, I was alerted by XXXX  Credit Bureau that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by XXXX XXXX XXXX.
Consumer complaint received 2019-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

On XX/XX/XXXX I received notification from XXXX XXXX XXXX that my employment certification form for the PSLF program had been processed. However, despite the fact that XXXX agreed that I had been in qualifying employment for the entire certification period ( XX/XX/XXXX-XX/XX/XXXX ), there were two anomalies in the certification report. First, my payment history clearly shows that I made 17 or 18 payments during this period, but XXXX XXXX did not credit me with more than 10 payments during this period on any of my loans. Second, for some reason, even though all of my payments were made by auto debit, and should have been applied to all of my loans, some of my loans show 10 payments while others show 8. After receiving this perplexing report, I asked XXXX XXXX to review their findings, as they made no sense. Was told, on XX/XX/XXXX, that a manual review would occur. Each time I call, they tell me it's not done yet, and they have no information regarding when it will be completed. It is now XX/XX/XXXX ( 111 days after the review was initiated ), and XXXX XXXX still has not conducted the review, and still has no estimate for when it will be completed. This is completely unacceptable customer service, especially when the ability to plan ahead for PSLF is such a vital component of my financial planning.
Consumer complaint received 2024-01-23
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. (GA)

Moments ago, Experian notified me via email that they have completed the requested investigation of my previous CFPB complaint ( Complaint Number : XXXX ). I am exercising my right per the FCRA to request a reinvestigation. Within the aforementioned complaint, I specifically communicated and requested that ALL entities, due to a laundry list of valid and legal reasons to please promptly and permanently delete their respective accounts, and for any company that chose not to, to provide me with documentation, which I will list below. Three of the five disputed companies did the right thing and deleted the accounts which they were reporting. However, the two companies that did not delete the disputed information were XXXX XXXX XXXX XXXX XXXX XXXX anXXXX XXXX XXXX XXXX XXXX, -which XXXX XXXX is aware and have confirmed to me when contacted, that I was compromised. XXXX has already confirmed to me that they are aware the account is fraudulent, and have told me personally on two occasions that they would remove the account. Both companies have, or used to have, on record, a previously filed and submitted police report and Federal Trade Commission complaint, and neither company has deleted their respective accounts. I have conformed that they have this documentation on two occasions ; once in XXXX, and again in XXXX. I SPECIFICALLY stated in my complaint that ANY CREDITOR/ENTITY THAT CHOOSES TO NOT DELETE THE DISPUTED INFORMATION, MUST THEN 1. PROVIDE ME WITH SUFFICIENT DOCUMENTATION OF PROOF, EVIDENCING SAID VERIFICATIONS OF THE ACCOUNT ( S ) WHICH IS BEING FURNISH, XXXXWHICH WILL HOLD UP IN COURT BECAUSE " ACCOUNT STATEMENTS '' WON'T SUFFICE ; 2. THAT THEY MUST UNDENIABLY PROVE THAT THESE ACCOUNTS AND ALL ASSOCIATED INFORMATION WITH THEM ARE FACTUALLY TRUE, CORRECT, TIMELY, ADEQUATELY COMPLETE, AND OR UNDOUBTABLE ; XXXX. FURTHERMORE PROVE THAT I AM WHOLLY THE RESPONSIBLE PARTY. XXXX XXXX and XXXX did NOT provide me with ANY documentation whatsoever. With that being said, -my name, address, phone number, email, or any other form of public information, real or not, associated with me or not, does not give anyone the right to use that to automatically verify any accounts that do not belong to me!
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been calling Capital One for over a year to get assistance with this credit cards APR it's astronomically high they are literally charging over {$2000.00} a month just in finance charges! I was a XXXX XXXX that was impacted by COVID-19 the business is now dissolved and I am not even able to make my mortgage payment. This is unfair practices to not even offer assistance I have spoken to supervisors and everyone and NO ONE will help.
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 belongs to someone else
Company: The Bureaus, Inc. (FL)

I have contacted all three credit bureaus requesting dates, services & validation from this company that's reporting on credit report & the bureaus has not responded back & credit bureaus refused to complete a proper investigation. I have sent a letter via certified mail & usps return the letter deemed as undeliverable. I tried phone calls, letters & no avail. 
XX/XX/2020 Amount Claimed Owe {$820.00} Company Bureaus XXXX XXXX XXXX XXXX, Illinois XXXX
Consumer complaint received 2020-06-19
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. (TX)

FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

My payment of {$430.00} was due on XXXX XXXX, which I paid on XXXX XXXX. {$180.00} was to be applied towards my federal loans, and the remaining {$240.00} was for my private loans ; however, my payment was misapplied and all {$430.00} was applied towards my private loans, making my federal loans appear late. I called Navient on XXXX XXXX to fix the situation. The representative I spoke with advised she was submitting a request to reapply my payments and the issue would be fixed by XXXX XXXX. 

It is XXXX XXXX and the problem still is not fixed. I have received letters stating my rewards benefits have been revoked because of my late payment, I am receiving phone calls because my account appears delinquent, and I am concerned this will negatively impact my credit report. 

I called twice on the evening of XXXX XXXX to further attempt to correct the issue. The first representative advised me I would need to speak to a supervisor to resolve the situation. After waiting on hold for nearly 20 minutes, the line went dead. When I called back, I spoke to a woman named XXXX who stated she was in the federal area and she could not assist me, but she would connect me with the area that handles private loans. She could not provide me with a direct number to contact the private loan area. After waiting on hold for another few minutes, I received a pre-recorded message that said my call could not be connected and I needed to call back during normal business hours. When I tried calling a third time, I received the same message advising to call back another time.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with Wells Fargo in the amount of {$2100.00} which was 40 % of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted Wells Fargo and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: QUALITY ACCEPTANCE LLC (TX)

I 've been making payments to this company for almost 2 years, and everytime I 'm a little late on my payments, the company would call my cell phone and my job to harass me. It never once failed for them to call my job and embarrass me. The bad part about is they would discuss my personal information with my coworker which is very unprofessional against the law. Most time they are really rude towards my coworkers and especially me. I failed to make payments toward my car because of my mothers health issue, so I have been struggling. I spoke to the representative there and explain everything to them what 's going on but they really do n't care. I also sent an email to them regarding my situation on XXXX XXXX, 2016, but I doubt they would read it. That same exact date, I encountered the true colors of the workers there. A representative name XXXX has been calling my job constantly and threatens me. She says you owe {$800.00} on the car how are you going to pay it? I told her I will find a way, but as of now I 'm at a dead end. She says excuse me, no you need to go borrow it and pay for it, you 're such a lack of responsibilities. Once you find the money call me back with the reference and slams the phone in my face. I have never experienced anything like that in my life. I have student loans and the representatives there never once speak to me like I 'm an animal. I 'm a human being also, and there 's no need for them to be disrespectful to me. I thought to myself how can I abide by the law, when they 're so cruel to me. I just want them to understand what I am going through and to stop harassing me at work, and especially telling my coworkers about my situation. If they constantly keep doing that I will have to take it further. So please help me on this. Thank you.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

I received a XXXX loan and I am a sole proprietor I have a checking account with US Bank and on XX/XX/XXXX my account had a hold placed on it it first I didnt Panic because I understand processes but my account still have a hold the money is just sitting there Ive called the customer service number no direct answers Ive went into branches talked with branch XXXX  still no solid answers I keep being told all this general information but I was told it a particular person who have the hold on my account but she dont deal with customers directly but its been over 30 business days and if they are investigating or anything it should have been done by now but yet my money just sit there and when I ask for a time they tell me it could take months I spoke to them asking them to just send the money back and we restart the process they said it could take months to send back a ACH which I dont understand why and no one is helping me understand or giving me a clear answer at this point I just want this to be over with cuz its been to long and Ive done all I can do and I just need to know if there is regulations as to how long the hold can be there whats the next steps and move on but I feel like Im being discriminated against please help I also showed them the paperwork work they told me that wasnt my signature while I was in the bank dealing with a branch XXXX I went onto the website and got the information or paperwork to present I was told it had two different fonts