davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
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. (ID)

Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NY)

Amerisave uses bait and switch tactics. They failed to provide Loan Estimates that reflect your " locked '' rate. They refuse to lock a rate until they decide to do so and charged for appraisals with affiliated entities despite not allowing me to lock my rate. I originally was trying to close a few loans with them but got a last minute bait and switch that required {$5000.00} in points charged. I refused but already lost my appraisal fees. I highly recommend they are investigated for similar tactics identified in their 2014 CFPB case.
Consumer complaint received 2021-10-13
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: CITIBANK, N.A. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was charged unnecessary late payment fees from two different credit cards with capital one for {$25.00} each, which capital one says that they already refunded. But there is no evidence within my transaction history when I log into the mobile app reflecting the fees were ever waived or refunded. They are not producing an accurate information in an accounting record in my opinion.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

There was a fruad for XXXX $ and bank is not putting it back already 2 weeks the result was that They did jot find enough evidence about it. I am a current XXXX  and i dont know what to do in this situation
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2019, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-03-21
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. (AZ)

I have multiple to verify and confirm accounts within my credit report and nothing has been confirmed as the bureaus can not confirm whom they have spoken with that verified the debt.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (OK)

on XXXX I deposited a check into my business account. No hold was placed for this deposit. Later same day deposited another check into another business account, from same check account and was told hold would be placed. Later that day was told a hold would also be placed on original check deposit of {$1500.00} because bank said had information check would return form issuing bank. This was after deposit made several hours before with no hold. I then provided proof of funds to bank manager XXXX XXXX. He said would release funds on XXXX.On XXXX check still on hold. I then provided copy of front and back of check showing it cleared my account on bank letter head from issuing bank. XXXX XXXX from Bank of the West Said would not release hold. On XXXX sent proof funds and copy again of check on Bank letter head showing it cleared, no reply. On XXXX called Bank manager XXXX XXXX, said he could not release because back office had inside information about my account???. He also said proof funds and cleared check would not work. I then put him on three way call with issuing bank and they verified funds cleared on XXXX. Mr. XXXX then told issuing bank must send letter on their letterhead providing statement funds cleared. Issuing bank also told XXXX XXXX Manager of Bank of the West that TFCU does not verify checks via phone and does no know How Bank of the West got their information. So after four business days and three verifications on bank letter head proofs of funds where good and conference call. Bank released funds and and charged me retuned check fees and caused my tax payments to bounce knowing my funds where good from the very start. I feel I was charged fees when bank is at fault and valid verifications of funds where provided .I also feel i was discriminated against on personal level. I had to go beyond standard banking practice to provide proof of funds to get a check hold released. Bank of The West put my business at risk by not being able to make tax payments. They further had more than enough documentation x 3 showing funds are good and cleared. This is not the first time the have done this to me. It not standard bank practice to provide three separate verifications on bank letter head for proof of funds and payment.Not counting all the time, stress energy to be put into this
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OR)

On XX/XX/XXXX I contacted US Bank Reliacard to file a fraud complaint concerning a large amount of money that was missing from my account, {$5600.00} to be exact. On that day I had the opportunity to reconcile the entire account with a reliacard fraud liason by the name of " XXXX ''. We reviewed the account together since its inception date of XX/XX/XXXXXXXX  up until XX/XX/XXXX. Her determination during our conversation was that my suspicions were valid and that the claim was legitimate. She then told me she was sending me account affidavits that I would need to sign in front of a notary and return to her within 10 business days of receiving them, which I did. I received a denial of claim letter in the mail on XX/XX/XXXX and called reliacard to express my disappointment and let them know that I would still be pursuing a refund of my money regardless of what the determined since I was telling the truth. 

During our conversation on XX/XX/XXXX XXXX had told me that she had to cancel my card ending in XXXX so no further fraudulent transactions could be made, I agreed. At that point I had no access to my account since there is no physical bank you can go to, only use the debit card to access your funds. 

I tried for 2.5 months to be issued a new card and reliacard would not send one to me until I satisfied the ID verification process to their satisfaction. I was not able to accomplish that until XX/XX/XXXX when a new card was finally sent to me, a card ending in XXXX. My prior card number was ending in XXXX. 

As money continued to diappear from my account I contacted them several times finally requesting a full account of my debits, purchases, any and all account activity since XX/XX/XXXX to be mailed to me. At first she sent just the month of XXXX so I had to reach out again and request the full account history which I just received on XX/XX/XXXX. In looking at the statement there are {$11000.00} in debits from my account in XXXX, {$2100.00} in XXXX and {$1000.00} in XXXX none of which were made by me since I had no access to my account whatsoever until XX/XX/XXXX when they finally sent me a new card. So I am filing a claim for {$20000.00} to be returned to me with interest of 3.0 % compounded daily. 

In speaking with reliacard today she let me know she found two other cards that I had never seen, one ending in XXXX and the other in XXXX. The XXXX one was opened on XXXX and closed XX/XX/XXXX and had over 500 transactions on it. She would not tell me what address they had sent them to. I tried to get her to file a fraud complaint and she refused.
Consumer complaint received 2022-06-29
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (SC)

ON XX/XX/21 I CONTACTED EQUIFAX AND XXXX IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.
Consumer complaint received 2021-10-13
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. (OH)

One of family members told me that you all may be able to help me with some accounts on my credit that are not mine. I doing this on my own and also contact the police. I file a complaint with this FTC but not sure if thats all I needed to do. 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.
Consumer complaint received 2021-10-13
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. (OH)

One of family members told me that you all may be able to help me with some accounts on my credit that are not mine. I doing this on my own and also contact the police. I file a complaint with this FTC but not sure if thats all I needed to do. 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.
Consumer complaint received 2022-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK (GA)

I have a loan with freedomfinancialnetwork.com and I am currently 29 days past due. 
I attempted to make a payment via the online portal and it would only allow me to make a payment on XXXX when today is XXXX. 
I realized this would put me 30 days past due. 
I called their customer support line to find out what alternative means there was to get the payment in today XXXX or tomorrow XXXX. 
I was informed there was no means other than their system which sets the payment posting date 2 days after a payment is made. 
They do not offer any other means such as a money order via next day delivery service, XXXX or XXXX XXXX where the funds are guaranteed to credit the same or the next day even though they will accept the payments.
Consumer complaint received 2021-10-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Several laws where broken by under the FCRA under your company I can't get a job I can't Obtain Credit, Housing, Car loans this has cost me financial injury.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

Loan Depot is incorrectly reporting an installment account as 120 days delinquent every month through at least XX/XX/XXXX to XXXX when it is not. The account was charged-off in XX/XX/XXXX and now has a {$0.00} balance. Loan Depot is reporting a balance of {$8800.00} when it should be {$0.00}. It appears they may be dual reporting the account as well.
Consumer complaint received 2021-10-13
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. (PA)

hello my name is XXXX XXXX, and I recently pulled my credit report and noticed that the following accounts are reporting inaccurately. there are XXXX things thats need to be removed from my credit report : 6 Us dept. of Education accounts, if you look at them everything is reporting differently on all 3 credit bureaus, you, XXXX and XXXX
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To put it plainly someone has stolen my home. 
Kicked me out of XXXX XXXX XXXX unwarranted. 
XX/XX/XXXX. 
X husband XXXX XXXX knew full wel that I was to receive the marital home in our divorce. 
But since they found the Morgage loan null and void. He divided a new one with his bankruptcy And then assigned it to me. 
He files bankruptcy in XXXX two years after our divorce in XXXX doesnt show me as an owner or a debtor. Then slaps this fraudulent loan on me Forecloses and kicks me out. 
My identity is and has been mangled wrong into, no info, still shows me living at XXXX XXXX XXXX? 
I believe someone is using my equity in the house and I can get no help to straighten it out Please help me.. Im destitute,. Homeless and this constant harassment is costin me the ability to obtain gainful employment. Please
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NV)

The only payment that Ally Bank has reported correctly was the first payment. EVERY payment since then has taken months to report if it ever does and is incorrect balance. Multiple phone calls/emails to customer service only yield a foreign CSR " explaining how credit works '' and no changes. An incorrect update was pushed out by an executive in customer relations named " XXXX '' in XXXX but then no new data posted for months to any bureau. Over the past 2 days I have received credit monitoring alerts that my loan balance increased by over {$200.00}. At no time have I missed a payment and I always pay MORE than the amount due. ALLY blames the credit bureaus ( though all show the same incorrect information ) and the bureaus blame ALLY. I as the consumer am stuck in the middle and despite producing statements that are accurate ALLY refuses to report correctly to the bureaus impacting my credit score ( s ) negatively on a monthly basis. The infuriating part is if I were to miss a payment that they would report within minutes. A search of the internet reveals that this is not an isolated problem with ALLY and occurs for almost every customer across the board. How can I get my credit files correctly reported and cleaned up?
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (TX)

On XX/XX/2020, I was contacted by a Citi Credit Card representative by phone regarding a late payment, however, because I knew my accounts were on automatic payments, I thought this was a scam and did not proceed with making a payment over the phone. Instead I logged onto my account and saw not only that my auto-payment was not made in XXXX and XX/XX/2020, I was charged {$70.00} in late fees. I contacted a Citi representative via the messenger application and was informed that my account was two months delinquent because auto-payments were removed " per my request in XX/XX/2020. I explained I never requested auto-pay to be removed and that a mistake must have been made. The rep told me Citi attempted to contact me via email but they were returned undeliverable. I explained I have had the same email address for the last 12 years and have always kept my contact information with Citi up to date. I also asked why I wasn't called if clearly they had my correct phone number. I have screen shots of my messenger conversation with Citi as evidence of this conversation. 

The Citi rep even refused to forgive the late fees of {$70.00} despite my explanation that some kind of error was made. Despite this, to avoid any negative treatment, I paid my credit card balance including the late fees assessed ( {$680.00} total ). 

I later found out Citi had already submitted a negative mark on my credit report for XX/XX/2020, the same month they started to call me about the matter : Status/ Account Status = Past due 60 days. I have had this Citi credit card for over 10 years and had my account on auto-pay for over a year, suddenly without notice auto-payments were cancelled and I wasn't notified until after late fees were assessed and a negative remark on my credit was made. 

I reached out to Citi Brands Credit Bureau Disputes and sent several letters with detail and evidence attached. On XX/XX/2020, Citi responded with a letter stating they believe the information appearing on my credit report is correct, and refused to remove or amend the negative remark on my report. 

I highly suspect fraud on Citi 's part considering the suspicious manner in which auto-payments were cancelled in my account, lack of proper notice, and refusal to forgive the late fees assessed or at the very least remove the premature negative remark made on my credit report.
Consumer complaint received 2022-06-29
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX 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 and account without my written instructions.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!