davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

Savings account closed due to unpaid monthly account fees {$4.00} ( 2 ) months and {$30.00} service fee for inpatient of 2 monthly account fees. 

I sent a message to close this account, although I never followed up. 

Account went unnoticed for approx 3 months. 

I never received notification of negative balance Until notice of {$37.00} due and account closed. 

Paid balance due at bank.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

Needed to get an approval for a mortgage before making a offer to purchase a new home. After submitting irs 1040 's, bank stmts 1099 's and ssi they said we were approved for the loan. The DTI was 48 %. went from XXXX  to XXXX to purchase a new home. The appraisal was in line and accepted. An offer was made on a property and accepted. 
Paid for an inspection report, Lawyer & appraisal. The major complaint is why did they issue an approval and then denied the loan at the end. Spent thousands because of their incompetence.
Consumer complaint received 2022-08-07
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. (TX)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX  XXXX - {$2100.00} XXXX XXXX - {$2700.00} XXXX XXXX- {$1900.00}
Consumer complaint received 2022-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting act Capital One, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-07
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. (TX)

I do not recognize this account XXXX XXXX XXXX XXXX is showing as a debt owed in the amount of {$2800.00} on my credit report. This is not my debt and needs to be removed.
Consumer complaint received 2021-07-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-07
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)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX - {$280.00}
Consumer complaint received 2022-01-10
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. (TX)

I have sent letters to all XXXX credit bureaus ( XXXX, Equifax, XXXX ) for the past 6 months about inaccuracies on my credit report. All XXXX credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all XXXX credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all XXXX credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.
Consumer complaint received 2022-08-07
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)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX  XXXX - {$2100.00} XXXX XXXX - {$2700.00} XXXX XXXX- {$1900.00}
Consumer complaint received 2021-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2021-07-12
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: Nelnet, Inc. (TX)

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX  and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I don't owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Consumer complaint received 2021-08-16
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to Ford Credit reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedFord Credit on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. Ford Credit expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (FL)

XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service to put a stop payment on 3 checks ( XXXX ) that were made through bill pay. I was told I could not do this without the check numbers. I told customer service that I did not have the check numbers as they were automatically generated by US bank when they produce the check and mail it, but I did have the amounts ( they were all for the same amount ). Again, I was told that there was nothing that they can do and to call back if and when they hit may account. 
XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service as the 3 checks processed on my account the business night before. I was bounced around within their departments ( 5 times ). Finally I was told that there was nothing that they could do as they had hit my account ( contradiction to my call to US Bank on XX/XX/XXXX ) and I had to call XXXX to get them stopped. They did end up reversing the overdraft charges. 
XX/XX/XXXX ( XXXX minutes ) : I called XXXX and they told me that there was nothing that they could do as it was US Bank 's responsibility to stop payment on them. 
XX/XX/XXXX ( XXXX hour, XXXX minutes ) : I called US Bank back again and told them XXXX could not help me as it was up to US Bank. I started getting somewhere. One of the checks ( XXXX ) was returned NSF. She did put a stop payment on that one for the next time it was processed, and told me to call back tomorrow to make sure it was in the system. As for the other two checks, I was told that US bank does have access to get the check numbers that they processes with bill pay and that customer service should have transferred me to the Online bill pay department. If this was done, the stop payments would have been place on these three checks on XX/XX/XXXX. She put in a paper item adjustment for the amount of the two checks that were processed and I should have the funds back in my account on Thursday, XX/XX/XXXX. 
XX/XX/XXXX ( XXXX minutes ) : Called US Bank and verified that a stop payment was processed for the check that was returned NSF. Confirmed that it was. 
XX/XX/XXXX : Called US Bank as the credit was not in my account. I was told that is was pending and that it would be processed later that night. 
XX/XX/XXXX : Called US bank as the credit was still not posted to my account. I was told that it was rejected and they were not going to credit me back the money for the bank error. They also said that they were going to pull up my original call I made to put the stop payments on the three checks and use it for training purposes. I also asked to leave a message to the person who processed the paper item adjustment to give me a call. 
XX/XX/XXXX ( XXXX minutes ) : Called US Bank to email me the notes of the conversations since XX/XX/XXXX to file with this complaint. They refused citing it was personal information. I asked to speak to a manager. The manager never answered and I left him a message to call me back.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EQUIFAX, XXXX and XXXX XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (AL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (WI)

On XX/XX/2022, I was browsing XXXX and was shown an advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with Apple/Goldman Sachs support who confirmed that I should receive the bonus. After meeting the requirements for the promotional offer, I chatted with Apple/Goldman Sachs support on XX/XX/XXXX. Support confirmed I should receive the bonus within 30 days. After seeing in online forums that many consumers had already received their welcome bonuses within 24 hours of meeting the requirements, I called Apple/Goldman Sachs to double check that I would be receiving the welcome bonus. The representative confirmed that I signed up in the correct time period and met all the terms for the welcome bonus but that for some reason, my account did not have the promotion applied. She said that the best way to resolve this would be to put in a dispute on my behalf for the {$75.00} welcome bonus, given that I clicked on the application through the advertisement and had met all the terms. This morning I received an email that the dispute had been denied for the reason that I had received 2 % cash back for a specific transaction. This however is not the nature of the dispute since we all agree that the cash back for various transactions is correct. The correct nature of the dispute is that I should receive the {$75.00} welcome bonus that I signed up for and met all the terms for.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (AL)

Re : Unauthorized Credit Inquiry To Whom It May Concern, I received a copy of my credit report and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. Please remove this hard inquiry from my credit file as soon as possible. 

Please forward proof to me at your earliest convenience or send a request to the credit bureaus to have them remove this error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score, I will move forward with bringing this information forth to a judge in my area if this information is not corrected.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER (FL)

Beginning in XXXX of 2021, we contacted our mortgage company to have PMI insurance removed since we were well beyond the 20 % equity required in the subject home, We had an appraisal conducted, at our expense, which we forwarded to them. After repeated calls, they told us they would get back to us about when it would be reviewed and the PMI removed. To date, over a year later, they have yet to remove the PMI or explain why not. They keep insisting we need to speak to a specific person who has NOT ONCE returned a call. They just ignore messages and the representatives who answer the phone say they can not help.
Consumer complaint received 2021-07-12
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. (VA)

My home was broken into and my ID, credit cards, and other personal items were stolen. I recently got a copy of my credit report and realized that there are things on here that I have not applied for. I did not request any of the inquires listed on this report.
Consumer complaint received 2022-08-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (GA)

Have no knowledge of where this originated. 
I have never applied for any pay day loans. 
Just discovered this derogatory report while looking at my credit report on XX/XX/22. 
My credit score has subsequently dropped XXXX points for something I never initiated. 
The company listed as the collection company is Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX. 
XXXX {$230.00} Reported on XX/XX/22 to credit bureaus. 
I have never received any documentation from this company in order to confirm or deny anything. 
In a word the account is FRAUD.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.