davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
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. (NM)

Experian Credit Bureau deliberately overloaded my credit report with bogus open accounts which were paid in full, and closed-not revolving. They also put over a dozen bogus addresses on my account as belonging to me. Experian also lowered my credit score from the 700 range down to the 500 range, although I did not have any late or delinquent accounts as they falsely claimed. I also sold my house, which I had for nearly five years, and in the years that I had the house, I was never late or missed a payment. Experian took it upon themselves to put a negative payment on the account, and then lowered my credit score over 150 points. When I complained to them, they deliberately lowered my credit score even more, and refused to even give me credit for selling my house. Instead, they focused on two revolving credit cards that I do have-and I am not late on them either. Experian just continued to lower my score, and said I had XXXX debt, and that it was " computer generated ''. My yearly income is {$47000.00}. I have a car payment of {$510.00} per month for seven years. I just bought the car in XXXX of 2018. The two credit cards are XXXX XXXX  card, and A XXXX XXXX store credit card, and that is it. I have no dependents to take care of. I have no mortgage, and I am not in debt or at 90 percent of my income. Experian is using the excuse that the 2 credit cards I have are the reason I have a XXXX credit score, although I am not delinquent on either of them. The XXXX credit card has a credit limit if {$2000.00} dollars, and the XXXX XXXX Credit card has a limit of {$2300.00} dollars. Neither is maxed out, but even if they were, this does not constitute my credit score being deliberately lowered over 250 points for no good reason. If you take and add up these 2 credit cards, and {$6100.00} for the car payment for the year, you get {$10000.00} debt for the year. If you take {$10000.00} and divide it by my yearly income, you get the percentage of my debt to income, which is 22 percent rounded off-not XXXX percent like Experian claims. Also, Experian lowered my score right before I bought the car, so I would have to pay a higher interest rate. And, everytime I try to file a dispute by phone with them, I am met with hostility and ignorance. And, every time I try to dispute any of this and the false open accounts and negative reports on my account on their website, it is suddenly always not accessable. Experian has deliberately messed up my credit score, and FICO score, and then tries to lie and say they have nothing to do with it because it is computer generated-yet, they are able to lower my credit score even while I am on the phone with them. I want justice, and I want my score put back where it belongs in the 700 range like it was before they messed it up. I also want all the bogus information and so called revolving accounts made closed like they are.
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY XXXX
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is assessing late fees on the same date as the payment due date and even though payment was made on the payment due date on my Walmart credit card. Capital One is the only bank that uses early cut off times. If you log in one minute past XXXX the system will only allow you to choose the next day to submit the payment. So even though payment was made on the payment due date, I am still assessed a late fee because of the early payment cut off time. All of the credit card companies that I deal with allow you to make a payment before XXXX pm before assessing a late fee and Capital One should do the same. Capital should have to explain why their cut off time is earlier than any other credit card company. If a payment is made before XXXX such as XXXX, Capital One has not problem taking out of my checking account in less than XXXX hours because I will receive a notification on my phone and e-mail that a debit to Capital On has been processed.
Consumer complaint received 2023-07-25
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. (SC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MA)

I recieved a notice from one of my credit card companys that a new credit card was opened in my name on XX/XX/22. I never opened a new card in my name. I went on experience and found a Barclays Bank credit card was opened in my name. I did not open this.. 
The address used for the card was for XXXX XXXXXXXX  which I have never lived in or used as a mailing address. This is fraud. I called barclays and they said they would shut the card off and investigate. I called XXXX and they said the same that they would investigate. I opened multiple disputes and the keep claiming that it is accurate. It is not accurate. It is fraud. I filed a police report with XXXXXXXX XXXX XXXX XXXX  on XX/XX/22 after two more accounts opened up on my credit report from a XXXX XXXXXXXX and XXXXXXXX XXXX consolidated on XX/XX/22. I called both of these companies and the cards were canceled. Barclays card has not been canceled after multiple dispute complaints.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I been going back in forth with Bank of America to get my money back from a claim I filed with them they have been giving me the run around saying that my claim was approved then when I called them they are telling me something different. I been dealing with this situation since XXXX I was ask to give all required documents such I.D, police report and proving documents to get my money back I do that then I be told it is denied. I also have been told they have video footage of someone walking up to the ATM to take money off my card that is not me. I just want what I put in a claim for so I can pay my bills. So in XXXX I filed a police report stating that I was a victim of identity theft and my XXXX card was sent to different addresses as well as I didnt receive my stimulus checks. I talk to XXXX didnt know I was approved for XXXX because different representative would tell me I was denied getting unemployment until I sat on the phone for two hours in them telling me I was approved in that my card was sent to a different address. So I wasnt able to file a claim until XXXX of this year is because thats when I fought out. So I told Bank of America what happen in they tell me I was denied the claim because I waited to long to dispute the charges made on the account. Which is false I didnt know I was approved for XXXX because I was being told I was denied for it by different representatives. I feel the people that work for Bank of America are new workers because everyday that I called I get told different things regarding my claim which is not right and people are not really doing their job. Im in the process of being evicted out of my house because of Bank of America not giving me back the money that I put in a dispute for. I just want my money so I can pay my bills and rent in get out of debit. Bank of America has been denying my claim of XXXX I requested for supporting documents to be sent to me which was sent to me I received the documents in it was pictures of two people that was not me so basically they have been denying my claim based of the pictures that they pull up at a atm machine. I resend a picture of my I.d in color to show it wasnt me on the photos in they denied my claim again. I just want the money that is owed to me because Im facing a hardship right now. I can provide the pictures in my I.d as well to support my claim with your company.
Consumer complaint received 2023-07-26
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

My mortgage was recently purchased by Freedom Mortgage Corporation. I received a notice of this change dated XXXX. Upon receiving my first billing statement, I noted a {$150.00} fee ( undefined reason ). I called Freedom on XX/XX/XXXX about what the fee was for and I was told it was for an appraisal. I informed them that I didnt request an appraisal and had no need for one and to kindly remove the fee from my account. I also notified the customer service rep that this was predatory behavior and I wouldnt accept it. She submitted a request to review the fee to their customer care team. While I waited on the response I did some research online. This company just settled a class action lawsuit in XXXX for, guess what, charging fees for home appraisals. Looking at the settlement, the amount paid in the settlement appeared to be less than the fees they charged. I am rather confused by that, but I digress. I received a letter dated XX/XX/XXXX that says the Customer Care Team received my inquiry regarding a fee and that the corporate advance fee was an appraisal fee. It made no reference to my request to remove the fee, nor did it justify the fee based on any mortgage paperwork I had signed. This is absolutely unacceptable. I have no control over my mortgage being sold to a bunch of scam artists. I no longer feel comfortable setting up automatic payments with this company since they will steal from me if I let them. Please assist me in correcting this type of behavior with selfish corporations like Freedom Mortgage and remove a fee from my account intending to prey on me in the hopes that I wasnt aware of an increase in my mortgage bill.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist mortgage believes I'm only making partial payments and have missed payments. 

This has been on going since XXXX XXXX. They've sent me 3 letters telling me my loan has been sold only to receive notice after transfer date that it has not been sold. They are saying I've only made partial payments. I have not. I've paid bi-monthly.

I paid my mortgage every two weeks {$850.00} but the bank applied the first payment to mortgage and the second payment to principle. This began when SunTrust changed over to Truist. I've spend approx. 10 hrs on the phone and multiple times at the bank branch over multiple months trying to straighten this out. They began sending back my payments and giving me the balance I owe in full to make my acct. current.

However, this is not the amount I owe. It's significantly less but they are saying I've missed payments payments in XXXX. I haven't missed a payment and I've sent requested bank statements from XXXX  showing payment to them.

As of XXXX, I've stopped all payment to them and sent multiple emails and made multiple calls trying to reconcile my acct. I've requested a full forensic accounting of my acct. and to date that has not been done.
Consumer complaint received 2022-08-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I mailed you a letter disputing 2 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AL)

I sent Amex and their registered agent a billing error notice. They have 30 days to reply. As a consumer, they failed to apply a credit that I am due, and also they withheld this disclosure from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error. Amex is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Amex has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. Im demanding my credit be applied every month as stated. The same letter was also sent to The Alabama Attorney General.
Consumer complaint received 2020-06-18
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: CAINE & WEINER COMPANY, INC. (TX)

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that Caine and Weiner AND XXXX provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( CAINE & WEINER ) the exact amount claimed. 

Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. 

The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe Caine and Weiner {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. 

If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID)

Rushmore is charging my escrows for " personal insurance '' that they claim is due to a requirement that I provide " wind '' insurance. Previously, Rushmore made this claim on all 3 loans that they service for me. My insurance policy covers this type of damage and Rushmore removed these charges from 2 of my 3 loans. While preparing year for taxes, I realized that Rushmore was charging my escrows for their imposed additional insurance on this loan. I phoned Rushmore and gave all information and demand that charges be stopped and my money returned to my escrows. On XXXX-19, Rushmore AGAIN charged my escrows for their " personal insurance '' imposed fraudulently on my account.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank refused to investigate fully my disputed transaction. I reported a transaction that I did not make but Citizen Bank refused to give me any documents supporting their decision. The transactions are made on XX/XX/2023, posted date of XX/XX/2023 from XXXX XXXX for XXXX $ ( charged twice ) which I do not have an idea about. There was also a charge of {$34.00} from XXXX from New Jersey which I did not make since I live in New York. I called Citizens Bank numerous times but my complaints were ignored.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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