davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by XXXX XXXX XXXX for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information. 

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. XXXX XXXX XXXX has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : XXXX XXXX XXXX has associated two incorrect addresses with my account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, XXXX, CA XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, XXXX XXXX XXXX has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801. 

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. XXXX XXXX XXXX has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, and XXXX XXXX XXXX, XXXX, CA XXXX ). 

Notification to all major credit reporting agencies ( Experian, XXXX, XXXX ) to remove this incorrect information from my credit reports. 

Written confirmation from XXXX XXXX XXXX that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

Buying a new modular home/ {$30000.00} down payment was paid months ago ( approx 6 months )! Financing in place with XXXX mortgage co. XXXX arrived to dealers lot early XXXX delivered to my property XXXX XXXX 2022! Now dealer wants money from mortgage co, dealer calls me to do phone interview w/mortgage co who wants to set up payment plan starting in 16 days... problem is the home has not had its final inspection from XXXX XXXX & no certificate of occupancy has been issued! Both sides are pressuring me to start paying for a home that can not be lived in!!!!!!!!!!! 
I am not going to make home payments on a home I can't live in .. HELP
Consumer complaint received 2021-07-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a savings and checking account at Citibank at the XXXX branch in XXXX, CA on XX/XX/2021. The accounts were opened with a promotional bonus offer that consisted of two bonuses for {$300.00} and {$1500.00}. I deposited a total of {$300000.00} and met all the coupon requirements. I was supposed to have been credited the {$1800.00} as of XX/XX/2021, but did not get anything. I was told their system didnt capture the coupon code and that it could take weeks before there complaint department reviews and approves anything. The XXXX XXXX did not appear to care about anything when I spoke to him today. I asked him to expedite this but he could not guarantee anything. He said I can not close the accounts or else I will not get anything. This is misleading and false advertisement. This is also potential sales abuse because it appears they are targeting customers to open accounts and not abiding by anything. I would like tone {$1800.00} as soon as possible. I had been considering banking with them long term, but this seems shady and unethical.
Consumer complaint received 2020-06-23
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. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-14
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: National Credit Adjusters, LLC (FL)

NATIONAL CREDIT ADJU is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.
Consumer complaint received 2021-04-12
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. (TN)

Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in Equifax is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from my report.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXX XXXX  XXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX XXXX XXXX {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXX XXXX ( inquiry )
Consumer complaint received 2022-11-30
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. (CA)

I referred XXXX XXXX on XX/XX/2022, for the Chase XXXX XXXX XXXX cash card. Her phone number is XXXX. Her zip code is XXXX She was approved on XX/XX/2022. I sent her a link and I have provided a screenshot showing a text message communication between me and her showing that she got the link. 


For reference, this is the link that I sent XXXX XXXX XXXX XXXX I have NOT received my referral bonus still. I however referred someone else ( XXXX XXXX ) using a different chase XXXX XXXX cash card that I own ( account ending in XXXX ), and I already received that referral bonus. 

I already made a CFPB case with Chase that was closed inadvertently as they said they could not see that I referred her. I'm reopening this case and attaching additional proof of the referral.
Consumer complaint received 2020-06-23
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. (MO)

XXXX XXXX XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and Experian will not remove the account until XXXX does their part. I have disputed this account several times with Experian and XXXX, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.
Consumer complaint received 2020-05-21
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. (FL)

At the end of XXXX, XXXX falsely reported my account was 30 days late. My credit score with Trans Union dropped over 50 points. XXXX has since corrected this error, and my score has not gone back up. Nothing on my credit report is different. If anything, I have paid off an account, and significantly paid on other accounts. Yet Trans Union refuses to correct their error and restore my credit score to where it needs to be, despite removing the adverse information from my report. My score actually went down 2 points after they corrected this issue. How is that even possible?
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I filed a dispute of charges on my bank account. My debit card was fraudulently used to charge {$30.00} for parking on XX/XX/XXXX, {$30.00} for parking on XX/XX/XXXX and for XXXX XXXX XX/XX/XXXX for {$71.00}. Total charges of {$130.00} on my bank account. Chase Bank initially refunded all three charges but then mailed me a letter saying they would not support my dispute. I have contacted Chase Bank three times to discuss the refund I should be given but Chase says there is nothing they can do.. Chase says that because I had a separate dispute in XX/XX/XXXX, that they did support and refund, and at that time they sent me a new debit card which had a new expiration date but not a new number, that their policy is any diputes within 60 days of the first initial dispute will be considered. Although the XXXX diaputes are unrelated to the XXXX dispute, and Chase sent me same card number being their error AND NOT MY REQUEST, they will not refund my money. Being a young college student with my first account on my own, I am trying to manage my account as best I can. The amount of money they will not give back to me takes two weeks of work for me to earn. Chase made the error to not send me a totally new card and I did not know that a new expiration date was not enough to protect me from fraud. It is Chase Bank 's job to protect me from fraud. I talked to customer service agent " XXXX '' on XX/XX/XXXX and her supervisor " XXXX '' who said they are unable to refund and it is past 60 days. These 3 claims were filed within a few days of occurrence, but more than 60 days from separate XX/XX/XXXX dispute. They made the error with the card they sent me, not me.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and Transunion should not be reporting a collection in the amount of {$2300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) I have XXXX  XXXX and was not able to continue to live in the apartment I was renting due to a neighbor smoking XXXX. The smoke was permeating my apartment and it was intolerable. A legal substance or not, I rented the apartment because it was no smoking. If the neighbor in question was smoking cigarettes I would still have had the same issue. I can not tolerate smoke and/or smell of any kind due to my XXXX XXXX reactions. I have attached a copy of a letter from my Physician verifying the physical reactions I have due to toxic smoke in or near my immediate person. I sent a letter to XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX outlining my concerns and the health issues I suffered due to XXXX XXXX unwillingness to let me out of my lease and forcing me to stay in the apartment. XXXX had a responsibility to provide me with a safe and healthy place to live and they failed. We could have come to some resolve if the management would have been willing to discuss the situation with me however, they never responded to any of my letters and/or phone calls. I had not choice but to vacate the premises. My health was the most important issue and I received no support from the apartment complex. Consequently, this collection was sent in error by the apartment complex and this false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AL)

XXXX XXXX XXXX  XXXX sold my mortgage to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX This long-named company (? ) sent a letter dated XX/XX/22 to inform me of the change and to pay directly to my new servicer, which was identified as Selene Finance LP. I have tried repeatedly to get in touch with this company. I can't set anything online to make my mortgage payment, which was about {$610.00} when it was with XXXX XXXX. It is an escrow account. The letter states that the transfer does not affect any term or condition of my mortgage. The letter from XXXX has me identified as Account Number : XXXX and has my correct address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX. However, the account number is " invalid '' when I use it to establish an online account, and the phone payment automation does not recognize it nor the zip code, nor the four digits of my Social Security number. When I try to wait for a customer service representative, the line disconnects every single time. 
I have researched Selene Finance LP online and the complaints about this company are endless. It has an F rating from the XXXX  in Texas. Almost every complaint is similar to mine : can't contact customer service ; payments not recorded ; non-disclosed charges ; non payment on escrow accounts ; can't obtain mortgage papers ; and on and on. How can a company do this repeatedly to consumers with no redress? 
I. Am. Frightened. because in the end most of the complainants say they lost their homes in foreclosure, and even though some recouped thousands in undisclosed fees, their home was still lost. 
My dad gifted my home to me, and I know no one cares about that, but I am trying to be proactive in preventing this from happening. 
But already, Selene Finance is laying the groundwork, in my opinion, to eventually take my house away from me. They are apparently in the business to acquire assets by whatever means they can. 
Would you please investigate why this company is withholding this vital information from me? 
Meanwhile I will mail my payment to the address given in the letter and take a photo of it should you need to see it. 
The address on the letter is : Selene Finance LP, Attention Customer Service Department, XXXX XXXX XXXX, XXXX, TX XXXX. The website address is www.selenefinance.com The address in the letter, word for word, for XXXX  is : " XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX not in its individual capacity but solely as owner trustee for XXXX  XXXX Acquisition Trust XXXX XXXX  XXXX XXXX XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX XXXX '' Thank you for your help with this matter. 
XXXX XXXX
Consumer complaint received 2020-06-23
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. (FL)

XXXX contacted XXXX XXXX XXXX XXXX my credit report reading XXXX 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem
Consumer complaint received 2020-06-23
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. (LA)

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had an account with Bank of America since 2009 ( credit card and checking ). It is my oldest account, and I was a happy and loyal BofA customer, trusting it since 2009 when trust in the bank was at an all time low post the financial crisis. 

Like my other cards, I have paid ALL my bills in life on time, have never missed a payment ( on anything ) and have a pristine credit report/score. 

However, 5 days ago, with no notice or warning, BofA shuts down my oldest credit card account. No warning was given, and after spending an hour with their account closure department, they were unable to provide a reason why this was done, and unable to reinstate it. We are in the middle of a global pandemic. Banks ( like BofA, who have stuffed themselves silly with all sorts of bailout money while engaging in share buybacks - looking at you XXXX XXXX ) are screwing customers for no reason. These deceitful business practices should NOT be allowed to continue
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

original complaint filed was XXXX The bank has created a letter and signed over a small amount of money to me as a credit but they are covering their tracks and writing misleading letters non of which has accurate information. 

I am trying to resolve this issue after 7 plus years and this last complaint was closed so a new one needs to be opened up. 

I have attached the email sent to both the XXXX branch XXXX and the Vice President of BMO Harris Bank named XXXX XXXX. This email is in response to the signed letter to me dated XXXX XXXX by XXXX from BMO Harris.. 

It is in direct opposition to their letter to me which was supposed to rectify this previous complaint filed and was created to cover their tracks in my opinion. 

Harris Account number ending in XXXX has been reported 90 + days late on 25 occasions and they refuse to change this on my credit report as well.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent THREE ( 3 ) letters to the debt collector to explain that I had nothing to do with this debt, that my IDENTITY was stolen, and also to give me information and proof of my signature on these debts/contracts. I was told the next step is to get an attorney, which I can not afford, I am on a fixed income ( XXXX ). The Identity Theft website had you on the list to send a complaint about this company. Thank You PORTFOLIO RECOVERY ASSOCIATES, LLC
Consumer complaint received 2020-06-23
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$690.00}
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC (KY)

Firstsource Advantage , LLC contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with XXXX  that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.