davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

I sent money to XXXX XXXX last XX/XX/2020 i sent her {$880.00} to purchase a product and it turns out that there are no product at all. I asked her to get my money back but she didn't do it.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on Experian and XX/XX/XXXX due to non-compliance with the CRA. 
I have written letters to Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020, along with letters sent to XX/XX/XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

They have failed to remove information that was affiliated with personal details that were challenged in the past and were not verified by the credit bureaus nor the charge-off company XXXX XXXX XXXX. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper requires you to go online to fill out a request for a Payoff Quote. The process ends up in requesting you to either select that you will pay a {$20.00} " preparation fee '' and receive you quote in the mail in 4-6 business days, or you can pay a {$45.00} " expedite fee '' and receive it instantly over the web. This is completely absurd that they're allowed to charge a fee to simply state how much you need to pay them, and is a junk fee that the Biden administration wants to end.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC. (NY)

I have enrolled in XXXX a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX  XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX  XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (DC)

My wife and I applied to refinance our home 's mortgage. We were hoping to reduce the interest rate on the loan. We applied for the loan through LoanDepot. We were approved for the loan, and paid all fees and cost, including {$500.00} for the inspection. Then we heard nothing. I tried contacting the LoanDepot loan officer ( XXXX XXXX ), and he responded several times, telling me that the loan was fine, and with the " underwriter ''. Then I received and email from LoanDepot informing me they had discontinued processing the loan, and asking if I would fill out a survey describing my " experience ''. Getting ripped off for several hundred dollars is never a good experience, but it is memorable. 

I immediately contacted the LoanDepot loan officer ( XXXX XXXX ) asking what had happened, and was I really out several hundred dollars. He told me they had been trying to contact me, to set up the closing, but I hadn't returned their calls, so the canceled the loan. I reminded him that I had been emailing him asking where the loan stood, with him always assuring me it was fine and in the underwriting process. If they were trying to call me there was no record of any incoming calls on my phone, the loan officer never tried to reach by email, and the time they claim they were trying to reach me was over thanksgiving week. 

After expressing outrage about the horrible service and money wasted with LoanDepot, they ( XXXX XXXX ) told me if I paid some additional fees they would reinstate the loan. Foolishly I did. I never heard from them again. I tried calling the loan officer, customer service, and just the the main line, never being able to get through, leaving a message in all cases, and still never hearing from them. 

My wife and I are very fortunate, and have remained employed during the COVID pandemic. We make very good salaries and have near perfect credit ( 820+ credit ratings ). We were simply refinancing ( no cash out ) and asking for less than 65 % of the home 's value. There is no reason for this loan not to have been made. 

They are a black box and they have stolen several hundred dollars from me, and I have no recourse. They stink. Protect others from LoanDepot.
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

New York State Division of Child SupportXXXX XXXX, XXXX, XXXX XXXX, and Experian has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to Child Support Obligations ( 1 ) Overdue support.

The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. 
( 2 ) State or local child support enforcement agency. 
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States Court - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( citing XXXX XXXX XXXX, XXXX XXXX at XXXX ) United States Court of Appeals , Second Circuit . New York. And United States District Court District of Minnesota ( Division 4 - Minneapolis ) decision of XXXX XXXX Experian, XXXX and XXXX
Consumer complaint received 2023-03-22
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: BARCLAYS BANK DELAWARE (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-19
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These inquiries are fraudulent and do not belong to me : XXXX XXXX XXXX XX/XX/2022 Experian XXXXXXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

look i already know you will say you have helped me with the XXXX charge from rental car but i have not and for the fact i have not i will not be using my accounts any time soon any of them. i am tired of the one size fits all. bottom line after all these years if you cant refund XXXX bucks for thr ental car when it was filthy and i did call merchant and i will be contacting ceo then i cant use my accounts and will be using others. loyalty for loyalty and there is none here.the rental car charge i am upset oever. In addition my card ending XXXX i just charged a big charge on XXXX XXXX since that is when my statement closes. now i am being told it will close XXXX and that charge will likely be on it. i was not informed of this change and as such i will ask for any and all interest chargtes at the office of ceo. i was never informed and had i been based on my overall usage i would not have used that card for that amount on XXXX XXXX as i never do. please no scripts. between the 2 issues i am done with the bank for now. that said do not close my accounts just feedback for now. no loyalty then i cant give it. if you send a letter saying a cycle has changed you need to confirm the person gets it i did not and did not know and thus my activity. i am livid. 
rental car if i am not worth XXXX bucks to you to help me since i was wronged than i must take this into account when i choose cards to use. CAR was filthy and did not start many times i contacted merchant i cant chase anymore i can choose who i use though and never alamo again. HELP real help not scripts or telling me you already addressed this. i am so tired of the run around. no more loyalty here.
Consumer complaint received 2023-03-18
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. (NY)

On XXXX of XXXX, I thought my XXXX XXXX XXXX XXXX card was lost and called to cancel it. XXXX offered me the option of a temporary Lock which I agreed to. I then found the card but forgot to reinstate it until several months later. 
When I called back, they asked me for a passcode, but the code I had written down did not work. They were unwilling to verify my identity by text or other methods. 

On XX/XX/XXXX, I called and spoke with XXXX. On XX/XX/XXXX I called XXXX and spoke with XXXX and XXXX. The first person could not grant me access to talk about my account saying my passcode was invalid, the second verified me by text, admitted someone had impersonated me and changed my address and passcode. He changed them back to correct passcode and address. And agreed to send me out a new card. 

However, once the card arrived and I tried to validate it for use, XXXX said " already verified ''. I called XXXX and between the time they sent a new card, and I received it, someone else charged over {$1000.00} at XXXX, a place I normally do business at. Having worked in banking for 25 years, I knew immediately that this is internal fraud at XXXX, yet they refuse to admit it. I then closed all my accounts with XXXX, XXXX bank accounts business and personal, and XXXX credit cards business and personal. They agreed the charges were fraudulent and the account was not in dispute. 

However, all during XXXX of XXXX I have been getting alerts from XXXX and other companies saying my credit score is declining, so I looked at my credit reports, and of course it says I owe over {$1000.00} on this credit card. But today, XXXX says the account is indeed closed and no monies are in dispute. Yet they continue to tarnish my stellar credit history. I spoke to XXXX people today at XXXX and no one is able to help me by providing me with a letter or some proof for the credit agencies that this account is closed and not in dispute. 

I have had no issues with all my new accounts at XXXX XXXX XXXX, and realize that XXXX has major security flaws, and I would never ever trust them again.
Consumer complaint received 2022-09-20
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. (FL)

I need to remove my fraud alert from my credit report and update my cell phone number with your company I have already send letters but I didn't have any response I know that you need to verify my identity so I have attached a copy of my current driver 's license and a copy of my Social Security card as proof of my identity, also in the attached documents there is a picture with my current phone number Please remove the fraud alert and update my phone number with your company
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (SC)

This debt was paid in full in agreement to delete from my report. American Express instead only deleted payment history and remarked as paid in full. They have broken agreement and violated my rights according to FCRA as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc. (WI)

UCB ( United Collections Bureau ) contacted me two days in a row ( XX/XX/22 and XX/XX/22 ) asking to speak with a family member that shares a similar name. They were told on the first day that they had the wrong number and the call was disconnected and blocked. On the second day, the caller identified herself by first and last name and as an employee of UCB. She again asked for the family member and was told she had the wrong number. She was asked why she continued to call the wrong number and was told that I wanted to be removed from their calling list. She ignored these questions/requests and asked me to pass on a message to the family member she was seeking. She continued until I said I would be reporting them. These phone calls violate the FDCPA through XXXX  ( repeated calls/discussion to a family member ) and sharing private information ( by announcing that they were debt collector and giving out my family member 's name, I am now aware of their private financial situation ) and action should be taken.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

After my Debit Card had been compromised and not realizing that it was linked to my XXXX XXXX XXXX which was for protection for my XXXX Phone sometime on or around XX/XX/2023 already a month past XXXX XXXX Sent me via email to update my payment information. Once I received my new card and remembering now that some 6 months ago I had the cell phone protection. I began trying over and over again to give XXXX the updated New Debit Card information ( No money was borrowed ) it never worked and I kept trying so after several attempts it worked. Thus, thinking all is good I began to receive Mailings from TD Bank not having any idea what this was for I finally called them and was told they got the money from XXXX for the protection of my phone. 

Then after several attempts tying to contact XXXX and I mean a lot, almost always, getting disconnected or the wrong department I started with TD BAnk and went thru several attempts to rectify the problem. So finally I got the Manager at TD bank who gave me her Initials of ( XXXX  ) and explained the entire thing she told me that if XXXX did this then TD Bank has no right to report me negatively to the Credit Bureau. Then she asked if I would stay on while she contacted XXXX. I said fine, but warned her we would get disconnected when she tried and we got disconnected and XXXX never called me back and I was never able to get her again. All of this for {$3.00} a month now I have negative items on my credit report and have no way to resolve it and TD bank keeps increasing the time and penalties after me thinking it was all good when I updated my Debit Card information with XXXX.
Consumer complaint received 2023-03-22
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. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/XXXX.