davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (GA)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my Experian credit profile and I noticed there are incorrect addresses and a name on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I am 100 % Service Connected XXXX XXXX XXXX, I had a bad XXXX  XXXX. I used my VA home loan to purchase a home. XXXX XXXX XXXX had been a great company to do business with, and I even paid my mortgage 2 months ahead. 

Unfortunately XXXX  was purchased by Shellpoint/NewRez and AFTER I told them I was a 100 % XXXX Vet, they added {$420.00} to my mortgage. 

I have called them numerous times without it getting fixed. I have two audio recordings with employee XXXX, and then another audio recording with employee XXXX is an accountant with Shellpoint and went through all the mortgage statements. She said she was unsure why or who added the {$420.00}, but that it was clearly a mistake. This conversation was back in XX/XX/2023 and I never got another call. I have received three letters all asking for more time " due to the complex nature ''. 

I refuse to pay XX/XX/2023 mortgage until this is fixed. Also, I am about to sell the condo. I will NOT PAY off my loan after I get the sale check unless this {$420.00} is taken off my loan debt. 

TAKING ADVANTAGE OF XXXX VETERANS IS DISGUSTING! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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: TD BANK US HOLDING COMPANY (IL)

I am writing this complaint against XXXX for Breach of Contract and False Credit Reporting. 

XXXX agreed that if I paid they would delete any and all references to an alleged collection account from my credit report within 30 days upon receiving payment. 

XXXX received payment by check per our agreement and drafted funds in the amount of {$520.00} out of my bank account which posted on XX/XX/XXXXXXXX XXXX XXXX ( Bank statement attached ). 

150 ( ONE HUNDRED FIFTY ) days have passed since receipt of funds and the account XXXX HAS NOT been deleted from my credit files at the three major Credit Reporting Agencies XXXX XXXX, XXXX and XXXX ). 

However, the three Credit Reporting bureaus ( XXXX, XXXX and XXXX ) are all stating that recent reporting activity has been performed on this account, as recently as XX/XX/XXXXXXXX XXXX ( Credit Report attached ). 

On XX/XX/XXXX I wrote XXXX a demand letter sent certified mail since XXXX accepted payment but continues to report on my credit report despite our agreement. 

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX received my demand letter. 

It appears Target has violated the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I have attached proof to this complaint. 

Enclosures : Settlement letter dated XX/XX/XXXX Copy of the settlement check # XXXX Bank statement showing draft on XX/XX/XXXX Copy of credit report showing recent activity. 
Demand letter dated XX/XX/XXXX sent to XXXX.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

i had individuals manually entering my bank information at XXXX  and XXXX XXXX when i was purchasing items in cash. I have tried to get this resolved by contacting 4 different people bank managers some have seemed to try to help but none have actually helped. The damages are XXXX of dollars It has been going on for over a year and can not get it resolved. Someone has been accessing my account with out my approval. it has gotten better, but the bank will not give me the report i need to resolve the issue. The report that i9 need is a line-by-line entry with the method code. I have seen one of the reports when i first noticed the issue, but i needed further research. As soon as i found the issue and reported it that is when they stopped helping
Consumer complaint received 2023-03-15
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. (CO)

In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (IL)

I have called Ally bank several times waiting an hour each timeAnd have not received a response. They apparently do not answer the phone or have enough personnel to answer therefore I can not have my mature CD sent to me by direct deposit.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC (TX)

Interlinc Mortgage ( Loan Originator : XXXX XXXX XXXX ) and XXXX  -XXXX  XXXX ( XXXX XXXX ). 
Was interested in a home with XXXX because they were providing some incentives, last minute they insisted that the incentives were based on my use of a preferred lender. I paid Earnest money- {$3000.00} ( XX/XX/XXXX ), applied for pre-approval with XXXX Interlinc ( XX/XX/XXXX ), Got a pre-approval with so many fees and unrealistic ( for me ) built into it and more importantly did not include the discounts/incentive that I was expecting : they tried to explain this away and I was going with it " unhappily '' but found that I couldn't get another regular 401k Loan as planned ( I had 2 ). I explained this and XXXX comes back with a program that Interlinc is about to roll out on the XXXX of XXXX that will cover the downpayment and be forgivable only after 10 years. I declined for 3 reasons 1. ) 10 yrs is a lot of time for us to not be able to move/sell/refi if needed and 2. ) This program is yet to start, but she and XXXX of XXXX XXXX are insisting that I sign Disclosures based on the " coming soon '' despite that we can not lock down any rates/pricing until the XXXX ( cos she will be trained ) 3. ) We are due to notify the current landlord of our intent to vacate or renew, the XXXX of XXXX puts us outside of the time needed to notify, and also for us to make decisions that will impact our life, kids, and work. 
I was depending on the incentives and discounts to cover most of the closing and other costs-however the incentives turned out to be charged and not the dollar amounts as well as an increase in the loan amount. 
As of today, I only have a pre-approval and can't wait until the XXXX to know what it's going to be. I requested they refund my Earnest money and They are insisting that I request a hardship loan against my wish on my 401k, my future! There is no underwritten approval because I did not sign the Disclosures since it was based on an upcoming program that she does not have any definite information about except for dates. XXXX XXXX XXXX is also threatening to put the house back on the market for which I paid Earnest Money.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

XX/XX/XXXX someone hacked my account followed by changing email and phone number. I received emails from Chime Bank at XXXX that my phone number was changed and XXXX XXXX  that my email was changed. I immediately called Chime to let them know I didn't change my email or phone number. I have emails that these were changed back to the correct email and phone number at XXXX XXXX  while I was on the phone with the representative. XXXX I received an email to set a new password which was done while I was on the phone with the staff member. While on the phone with them, 2 charges went through that were not made by me but instead by the person that hacked my account. These charges were at XXXX for {$2400.00} and XXXX for {$2400.00}, as I was on the phone when these came through I told the person I was on the phone with so we could dispute this. I was on the phone for approximately 45 minutes getting a new card ordered and providing the dispute information. 
On XX/XX/XXXX I received an email that the dispute was denied, I called within an hour to discuss with a representative. The representative was unable to help so I spoke with a supervisor, the supervisor made me aware that there was no information on the dispute in regards to my account being hacked. I told him the entire story of what happened, he reopened the claim and asked me to submit proof to the email provided. As soon as I got off the phone with him I sent the email with screenshots about the email and phone number being changed as well as the charges that were made without my consent while I was on the phone with the bank employees. 
Today XX/XX/XXXX, I received an email that the dispute was again denied despite the large amounts of proof that were provided as well as the fact that I have been using Chime for 8 years without issue and it was no fault of my own that my account was hacked as I have never shared my password, my pin, or any of my banking information with anyone but instead that Chime allowed someone to have access to my account and spend over {$4900.00}. 

I have had no success with emailing or calling to get a resolution of this. The resolution that needs to be done is Chime needs to refund the {$4900.00} that they allowed someone else to access and spend.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On XX/XX/2018 I purchased an XXXX XXXX television from Costco. The purchase included a free extended warranty from a company called XXXX XXXX ( affiliated with XXXX XXXX XXXX ). The warranty was advertised on the store displays and literature to cover 5 years ( 1 year with XXXX, 1 year with Costco Concierge and 3 more years with XXXX XXXX ). Recently I noticed the tv was starting to show a line on the screen at times which has become more and more prevalent. I reached out to XXXX first and they stated they warranty the tv for one year while the actual panel was covered for 4 years. They said to contact XXXX XXXX. XXXX XXXX had me send an estimate to fix the tv as well as multiple pictures of my screen with different color backgrounds. They concluded that I had a burn in image on the tv that was not covered under their extended policy ( in the fine print ). Citi Visa which I used to purchase the tv also offers an extension of the warranty as well so I reached out to them.. When I contacted them they denied the claim stating that the tv was still under the XXXX XXXX warranty period and they would not cover anything until after the 5th year was complete. I reiterated to them that XXXX XXXX relayed that panel burn in was NOT under their warranty and XXXX 's panel warranty was 4 years. I didn't notice the issue until 4 years and 5 months ( though it had to have started happening much sooner during the XXXX warranty period based on the pictures sent to XXXX XXXX ) I started noticing the issue too late under their rules for XXXX to fix or replace the panel. The Visa warranty should have been activated for the panel starting after the 4 year panel warranty from XXXX..not from anything related to XXXX XXXX ( since the issue was never covered ). Please help. thank you much
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (TX)

Had my new replacement card expedited XX/XX/XXXX paid XXXX to have faster shipping. Advised at first by 3 reps card will not come bevause card and account suspended on that XXXX. Uploaded my id / social card / birth certificate/ selfie etc almost 35 times within a 8 hour timeframe. Walked to library to send docs and still locked this company is garbage
Consumer complaint received 2023-06-07
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-29
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, CARD # : XXXX, ACCOUNT NAME : XXXX XXXXXXXX XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX # : XXXX ACCOUNT ACCOUNT : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # XXXX ACCOUNT NMAE : XXXXXXXX XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX, XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX, # XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX, # XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : Also states that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No Consumer Reporting Agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.