davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (LA)

Monday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, XXXX  late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 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 2024-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

I attempted to close a Citibank checking account it had high fees, I never received a debit card despite my request, and their website 's interface to request a new debit card doesn't work. 

Upon requesting to close my account, I was told I needed a debit card to close it, which I never received. However, my request to a customer service agent to get a new debit card was declined. I was told I need to go to a Citibank branch, which does not exist in my state. 

As such, Citi is requiring me to keep my account open without a debit card, presumably racking up fees in the process. This is unacceptable.
Consumer complaint received 2023-06-19
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. (VA)

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 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 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

The bank, XXXX XXXX XXXX, and the access to the account through Bank XXXX Mobile stole the money out of my account and sent it to XXXX XXXX XXXX  regardless of me calling them, emailing them, and submitting forms to stop an ACH payment in the amount of {$1600.00} on XX/XX/XXXX. I called the bank immediately the next working business day and notified them of the problem. The stop payment forms were completed online and on XX/XX/XXXX Customer 's bank was informed by phone again that there was a problem with the ACH transaction. Customer 's bank refused to stop the transfer of money over to the XXXX XXXX XXXX, where I had been told I do not have an account, there is not credit card in my name for that amount, and that the account has been closed since XXXX of XXXX and that I do not have the right to ask for access to the account information. When calling XXXXXXXX XXXX XXXX again today, XX/XX/XXXX, the supervisor got on the phone and continued the call as a collection on behalf of XXXX XXXX XXXX. The supervisor from XXXX XXXX XXXX, bank vibe mobile a service for students from the network of colleges continued to collect on behalf of XXXX XXXX and in the interest of XXXX XXXX XXXX  and then used the phone call as a reason to abduct my child, XXXX XXXX who is currently being trafficked in XXXX, NY. Because I did not allow the money to be stolen or the credit card account which I am not allowed to access or know anything further about, that the child will be XXXX and XXXX  and will not be returned home to me at this time. The " customer service representatives '' who are assisting on behalf of XXXX XXXX XXXX  from the college network have stolen the {$1600.00} and refused to stop payment to the unknown account.
Consumer complaint received 2022-07-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Tona Mortgage, LLC (NY)

I went under contract for a home with Hometown Equity Mortgage , LLC dba the lender XX/XX/XXXX where I received a loan estimate for a {$290000.00} home at a 6.75 % interest rate including all closing costs rolled into the loan and down payment assistance with a prospective close date of XX/XX/XXXX. Due to a delay for an appraisal, we had to extend the contract until XX/XX/XXXX. I then received a loan estimate on XX/XX/XXXX of a 6.5 % interest rate with closings costs of {$22000.00} and down payment assistance. Apparently this occurred because the loan officer XXXX XXXX did not lock in my rate, for this she was supposedly fired but the lender still couldnt help me. Being that was not offered and closing day was near, my realtor and broker offered concessions to still obtain the deal. By XX/XX/XXXX, I was now receiving an estimate with a 6.25 % interest rate {$30000.00} in closing costs and excluding down payment assistance. I was told that I no longer qualified for down payment assistance and they do not know why nor am I allowed to use my earnest money or the offered concessions towards my down payment. I received 4 loan estimates all increasing every time I received a new one, although, I was finding solutions the lender continued to change the answers and/or reasonings every 2-3 business days asking for more money. It is now XX/XX/XXXX and we have extended the closing date two times for me to receive the answer that I must come up with 3.5 % of my loan excluding my earnest money and {$1300.00} that was spent for an appraisal. Behind that my lease expired XXXX, I am now XXXX XXXX and lost all of my fundings towards my house.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on XX/XX/XXXX and Im still seeing unauthorized inquiries on my report. Please investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed these are all the unauthorized inquiries and accounts that I would like removed from my credit report immediately.
Consumer complaint received 2022-12-01
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

Usaa advertised a promotion for 0 interest on balance transfer with a 5 % transfer fee. I transfered a balance and they charged me a transfer fee and immediately started charging interest. When confronted they told me there was no promotion even though I received on and spoke to a representative on the phone to complete the transfer. They filed an internal complaint and after 2 calls I missed because of work never responded to my returned calls or called me back again. Basically mislead me and stole 5 % of the transfer ballance and XXXX dollars in interest. Mislead me and never even tried to resolve it.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently identified inaccuracies on my report as a result of identity theft. I reached out to Experian to notify them of the incident, and cited 605B of the Fair Credit Reporting Act about blocking the inaccurate information. They closed my dispute and re-entered the inaccurate information back onto my account.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (PA)

Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 602A. 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 account without my written instructions
Consumer complaint received 2022-07-29
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. (OR)

FederalTrade Commission has been contacted with reports. 
reference number is : XXXX I am writing to dispute a fraudulent account in the amount of {$140.00} XXXX. I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

I am writing to dispute a fraudulent account in the amount of {$200.00}, XXXXXXXX XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 


I am writing to dispute a fraudulent account in the amount of {$500.00} XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am having the hardest time with Equifax. They are suppressing my credit report by putting a Block on internal Indicators that they use- please see pictures. 

They have blocked my report so that I am UNABLE to view my credit report AND potential lenders are UNABLE to view my credit report. I have called them 14 times within the last week since XX/XX/2022 to resolve this issue. I have also submitted the documents that they requested- see XXXX XXXX XXXX XXXXXXXX. They received the documents and attached them to my Equifax file within their computers. 

On the last two phone calls, I was told that they would remove the blockage and that I should be able to see my credit reports within 24hours. Equifax even gave me a XXXX XXXX XXXXXXXX for " Block Removal on Indicators ''. That confirmation code is suppose to indicate that they have removed the blockage. BUT THEY HAVE NOT REMOVED IT - see pictures. 

I was told to call in and speak to the Office of Consumer Affairs- which I did. They said they had everything they needed and they would remove the blockage. THEY HAVE NOT. I have spoken to the Dispute Department, Fraud Department... 

I have called that number every time I log in and I still have not gotten my credit report to populate and not show a blank report. THIS IS WRONG AND I WANT IT FIXED. Please help. 

That is wrong and it is suppressing me. Equifax is bullying me and hold my financial XXXX XXXX That is illegal. 
WHAT NEEDS TO HAPPEN SO THAT THIS ISSUE CAN BE RESOLVED EQUIFAX????
Consumer complaint received 2022-10-06
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Transunion on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. I have contacted the furnishers one by one and they agreed to remove the accounts from my file. But then Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When being asked why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is XXXX FCRA laws ) and they're unwilling to explain why. I needs these accounts remove from my file based on FCRA laws : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (GA)

We have applied for Mortgage Assistance through the XXXX XXXX  XXXX XX/XX/XXXX. We have been through HUD counseling and they have reached out to our lender via fax. We were in a loss mitigation process with them until their offer dated XX/XX/XXXX where they wanted almost {$20000.00} to restructure our loan. We had until XX/XX/XXXX to respond. We did not receive the package until the week after XX/XX/XXXX. 
I have a nervous disorder and the XXXX of the XXXX  and our financial situation during it ; i became ill. I did have a mild breakdown in XXXX if XXXX and sought medical advice during that time. My system shut down on me. I could not handle the paperwork or the XXXX. I have handled all during our 37 year marriage. I did file the paperwork on XX/XX/XXXX and included the foreclosure papers which expedited our application immediately to the foreclosure department. We are asking that the CFPB investigate Gregory funding on their legal fees etc and handling of partial payments on our account during the pandemic and now. 
I spoke directly to the loss mitigation department yesterday and they are unwilling to postpone the sale of our home on the courthouse steps on the XXXX of XX/XX/XXXX. 
I did contact their attorneys yesterday also. I forwarded them the hardship letter from HUD where we went through counseling with them and have shown our ability to afford our mortgage now. Plus we sent the notice posted by CFPB regarding homeowners rights in the application process for assistance from the XXXX XXXX XXXX in XXXX of XXXX, and their scrutiny of lenders who do not honor the process to help their mortgagees in this process. 
We The attorneys told me they would speak to their client and call me back. Due to the time sensitivity of this matter ; i have previously filed a complaint during the pandemic when they tried to foreclose when the moratorium on foreclosures was lifted in XX/XX/XXXX. We have satisfied {$10000.00} of the {$11000.00} we owed them. We filed a Chapter XXXX on XX/XX/XXXX, XXXX had sale date then of XX/XX/XXXX. We had to refile a XXXX in XXXX of XXXX when my husband lost his job The Friday before XXXX XXXX. Through the two bankruptcy filings our mortgage balance increased. We will refile a XXXX to stop the foreclosure but think that is waste of XXXX Bankruptcy XXXX time attorney time and more fees added to our already ridiculous fees on our account. 

Thank youfor your assistance in monitoring these lenders and their unfair practices.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (AZ)

Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before. 
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX. 
Got an email from XXXX XXXX XXXX XXXX ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections. 
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX  ( XXXX ) to cancel the account / erroneous charges. 
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX  XXXX XXXX to send my info to Debt Collections trying to ruin my credit.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!