davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX XXXX XXXX This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

Purchased a new home in XXXX of XXXX with a mortgage from XXXX XXXX. Shortly after the purchase probably in XXXX or XX/XX/XXXX the mortgage was sold to Flagstar. My monthly payments were {$1200.00}. Then on XXXX the payment went down to {$950.00}. I do not recall getting anything regarding this and Im assuming it was after a escrow analysis was done. But I dont understand what they used to make the analysis because the payment should not have gone down. Because my escrow account had a shortage of over {$10000.00} my payments as of XX/XX/XXXX were going to be increased to {$2200.00} which wouldve been over double what I was paying previously. Thankfully the property was sold on XX/XX/XXXX ; however I am upset that they lowered my escrow payment. I think they may have looked at an old tax bill since it was a new property when I purchased it and they looked at the taxes before it was completed. Actually during the closing on the day I purchased the property they did have the wrong escrow amount but they caught it during the proceedings and it was changed to {$1200.00}. I feel that Flagstar was very negligent in how they determined my escrow during the XX/XX/XXXX analysis
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

For the past 2 months, I have been writing letters to all 3 bureaus XXXX, Experian and XXXX including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: OPTUM BANK, INC. (VA)

I am filing another Consumer Protection Bureau ( CFPB ) complaint against Optum Financial regarding the unfair, discriminatory account treatment until the wrongful maintenance fee billing can be resolved. I also filed in small claims court and arbitration until we can resolve this in a fair matter. If these fees were intentional, this case will be taken to criminal court. You have 30 days to respond to this matter.

Please see the attached Optum transactions statements and email/phone/fax correspondence dating as far back as XXXX. 

The monthly maintenance fees first started in XX/XX/XXXX after I ended my employment with XXXX. Since then, I have continuously asked Optum to close my HSA account by A ) reimbursing the funds my HSA for qualified medical expenses and 2 ) transferring the HSA account to the HSA under my new employer so that I would not have to incur an unnecessary tax penalty to close my account.

As you can see from my medical records, the qualified transactions I wanted to reimburse myself for dated in XXXX, but for three years, Optum/HSA Bank have blocked my account from reimbursing myself with account issues and unauthorized transaction disputes. If the HSA account bank refuses to let me reimburse myself my own money, do you think this is fair? 

Over the phone, the customer care representative informed me that the HSA Maintenance Fee will be waived as compensation for the troubles that Optum has caused me from dragging on the unauthorized transaction disputes, the account access issues, that have prevented me. I believe this is the least that Optum can do for me since it is Optum 's fault that I could not access my account and reimburse myself in order to liquidate the HSA account. 

This amounted to over {$180.00} in maintenance fees that I should not have been charged due to Optum 's fault. Please investigate into this. If Optum is deemed to purposefully delay my account closure just to charge me more maintenance fees, this would be considered fraud and I will escalate the case to criminal court until a fair resolution can be done.
Consumer complaint received 2020-05-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My Name is XXXX XXXX Today 's Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also I Called Experian Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful Ive Attempted Several Times In The Past To Solve This Incorrect Info With Experian XXXX All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX ... .... 
XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ) XXXX XXXX XX/XX/XXXX I Even Called Experian Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Experian Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (WA)

I had a credit card for XXXX XXXXXXXX XXXX . In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled the debt. I received a paid in full letter. Since then, I have received 4 more additional contacts from creditors regarding XXXX XXXXXXXX XXXX XXXX Today, XX/XX/XXXX I was served by a sheriff with a complaint. I have contacted the offices of Patenaude & Felix and spoke to an XXXX to notify them that I paid my debt and provided a letter. I gave a copy of the letter to the other 3 collection agencies and they said that they would see that this matter is settled. I had only ( 1 ) account. Please see my credit report dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Credit report for XX/XX/XXXX shows all the debts I had including XXXX XXXX XXXX  XXXX I was able to secure a personal loan to pay off all my debts. As you can see in XX/XX/XXXX no other collection was reported ; XX/XX/XXXX no collection was reported. And I just recently applied for a home mortgage and received my loan and there was no notification regarding this debt. I have included the email communication with Patenaude & Felix.
Consumer complaint received 2023-02-15
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Are incorrect addresses on my credit report. I want Then deleted as these are incorrect addresses
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX / XXXX had an error on my XXXX XXXX XXXX XXXX. They Had put that I missed 2 payment 's Which is incorrect it's on autopay. I provided them with the copy of the monthly autopay from there financial website. 
Even then after providing them with the information they had my car towed. Costing me to pay {$1.00} for XXXX comes to find out it was not for late payments it was for excise tax in the state of Massachusetts and I haven't received any notice on the mail. Notice I have two Vehicles lease with them never had any problem the second car is a XXXX XXXX XXXX 
After the issue I ended up also having to pay for the tow that was {$350.00}. So {$350.00} for tow {$1500.00} for Reinstatement fees according to them and the excise, which I haven't received any notice in the mail or haven't got taken out of the autopay that they have with my bank account. So my vehicle got repossessed for not making payments is not correct. It was not sent to me the excise tax for some reason and they also marked my credit report for 2 missed payment 's on my lease payment 's Which is incorrect. They claimed they can't fix the error.
Consumer complaint received 2022-07-28
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. (TX)

I went through my credit report and I don't recognize the following inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion violated my rights according to 15 U.S.C 1681 Section 604 A Section 2. A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (TX)

On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, XXXX, Experian, XXXX, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

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 an account without my written instructions After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (IN)

Several years ago, i joined the PayPal business site. I used the credit occasionally. I have paid off the account. Awhile back I noticed that this company increased my credit limit. I did not ask for it either with PayPal or Synchrony Bank. I was just notified that they decided to reduce the credit limit ( XX/XX/2020 ). Which I didn't care because I don't use it. However, based on their unilateral actions in raising and lowering the credit limit this has affected my score. If I requested the credit increase and they granted and later dropped the increase I can live with that. However, they increased on their own and to punish me for their reduction is not right.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (VA)

I applied for a credit limit increase on my card as I have excellent payment history and use autopay set monthly and have never missed a payment. They sent denial stating multiple reasons that are not true and I don't know where this is coming from and I have checked my credit reports and do not see the issues they are stating and other cards have given me increase with no issue and have not mentioned these supposed issues. 

The issues they state are Delinquent or derogatory real estate secured loan Balances on delinquent or derogatory revolving accounts are to high Delinquent or derogatory account Too many delinquent or derogatory accounts
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (SC)

I notified CITI that I was removing and revoking any and all power of attorney CITI or their affiliates had for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as I am age of majority. This document dated XX/XX/year> which they received had XXXX witnesses and a notary which is binding. 

About 45 days later, I received a nasty form letter stating that they were closing my accounts if they hadn't already been closed. 

I called as soon as I received the nasty form letter and was told by the XXXX XXXX XXXX that my revocation of power of attorney letter was received and I would be called back in 2-3 business days by a person who could handle my case. They also informed me that my account had been sent to collections when there had not been a missed payment or late payment. No one ever called so about 10 days later on XX/XX/year>, when I had a chance to call again, I again spoke with a representative in the XXXX XXXX XXXX. They apologized and promised some one ( XXXX was assigned to my case ) would call me within 15 days. Again that time has passed and no one has called to remedy this situation. 

I called again XX/XX/year> and was eventually routed back to XXXX XXXX XXXX, and they reopened the case, reassigned to XXXX XXXX # XXXX, and now want 15 more days to investigate. I informed them that I should not have to wait another 15 days to get this resolved after waiting for them for over a month at this point. I still have not heard anything and account is still closed. 

Also, on XX/XX/year>, I register mailed ( XXXX ) a {$17000.00} payment to their indenture trustee per their indenture agreement and SEC filings. I register mailed it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The tracking shows it was received and my registered security has not been returned to me. I did not gift the security to CITI or XXXX XXXX XXXX XXXX XXXX XXXX ; therefore my security is currently in stolen status. 

Since the XX/XX/year> registered mail was received, I asked them to put this account in a conditional credit or whatever verbiage places the account into a holding status while being investigated. I should not have to pay again while you are investigating. And since then I found that the verbiage is called billing error notice. I used that term on the call on XX/XX/year> but everyone I spoke to acted like they didn't know what I was talking about and gave me the run around to billing dispute dept which was condescending and annoyed that I had been routed to them. 

On XX/XX/year>, I register mailed another letter to them trying to get all of this resolved. I included another negotiable financial instrument as payment. I have not heard anything from this letter either.
Consumer complaint received 2019-08-22
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 — Their investigation did not fix an error on your report
Company: Collection Bureau of America Ltd. (OH)

On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and XXXX  regarding collection bureau of America intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with CBOF on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact CBOF can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (VA)

XXXX accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. States : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-21
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. (VA)

XXXX accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. States : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Consumer complaint received 2020-05-21
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.