davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (NJ)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX Showing 2 Different Account numbers along with a lot of other reporting inconsistencies clearly violates XXXX and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and XXXX15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof
Consumer complaint received 2020-07-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for XXXX XXXX XXXX and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by XXXX XXXX XXXX, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

This relates to the Amazon Chase credit card. I ordered a camera on XXXX through an 18 month interest free purchase period. This is a feature available to card holders, either this or 5 % back on the purchase value. After the first month my autopay on the account paid the full balance that was owed 18 months from now listed on the Chase credit card statement, over drafting my checking account.

When I called Chase they told me they could refund the payment, but I would owe the 20.74 % on the purchase as they could not reapply the interest free promotion to the amount. They told me it was my fault for not switching my auto pay to Interest Free Balance. The problem is, the Interest Free Balance option was not available when setting up autopay. It was only available after making the 18 month interest free purchase. The only options available prior to this were Statement Balance ( which it was set to ) or Minimum Payment. So someone would just need to know to go into their account and change it on their own after making an deferred interest purchase. 

Also, when I tried to update it after this interaction, clicking Done does not actually update the selection. So if a user updates the selection and clicks Done then backs out, they did not update their selection. They have to select Done after changing their interest payment option, then scroll down and check an acknowledgement box, then press submit at the bottom of the page. I work as a XXXX XXXX XXXX  and consider this to be a confusing interface. Given how I was being forced to fulfill the payment or owe 20.74 % of the purchase value, I would argue it is intentionally confusing to trick users into thinking they did update their settings. Even then, they would have to know it needs to be updated in the first place. 

Well, I didnt want to pay 20.74 %, so I moved money around to my checking account to avoid the overdraft fee before the end of the day. I then called Chase back and asked if I could at least get the 5 % back on the purchase since the 18 month promotion was not honored. They told me no and said I would have had to request it within 3 days of making the purchase.

I find the entire interaction intentionally predatory.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2022-08-02
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : SXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : 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 XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (CA)

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. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.s/items which do not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
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: Resurgent Capital Services L.P. (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. 
The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (WA)

Escalation for Flagstar not honoring modification with interest rate 3.25 % Flagstar loan # XXXX Housing Counselor XXXX XXXX XXXX XXXX HUD Certified Senior Housing Counselor ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX x XXXX Fax XXXX XXXX Issue : Homeowner has an executed recorded modification with an interest rate of 3.125 % that was recorded on XX/XX/XXXX that Flagstar is not acknowledging and appears to be charging 5.25 % interest to XXXX XXXX XXXX. 
Note : Flagstar has not honored XXXX XXXX HUD approved authorization deterring the assistance of a housing counselor. XXXX had to conference in XXXX numerous times to authorize and sent in the authorization numerous times. 


Note : there were a lot of issues to finally remove the deceased husband of XXXX, XXXX XXXX with approximately 4 sets of documents being sent for signature and has finally been successful. Each set of documents were different with partial claim or a combo ALM recovery modification and different interest rates that finally resulted in just a stand alone partial claim as XXXX had been requesting all along because she could afford to resume the payments and she wanted to preserve her interest rate of 3.25 %. 

Attachments : *Executed modification recorded on XX/XX/XXXX with 3.125 % interest rate *Executed partial claim recorded on XX/XX/XXXX from a work out for an FHA covid  forbearance *Mortgage statement dated XX/XX/XXXX Summary of events : XX/XX/XXXX Flagstar does not have XXXX authorization on file for the 4th time. XXXX spoke with supervisor XXXX who advised to email it again and to send to XXXX XX/XX/XXXX Flagstar found XXXX authorization on file & XXXX in loss mitigation spoke with XXXX. She sees the XX/XX/XXXX recorded modification with 3.25 % rate. Escalated to supervisor XXXX who now understand the issue. XXXX sees the previous escalation that was not previously escalated and will escalate again. 
XXXX said that past charges were based on the 5.25 % interest rate and will get it corrected. 

XX/XX/XXXX XXXX spoke with XXXX who said that the executed modification from XX/XX/XXXX with 3.25 % interest is what the homeowner has been charged and has not been overcharged. 

XX/XX/XXXX spoke with XXXX who said the interest rate jumped to 5.25 % and that there was another modification showing 3.25 %. XXXX is submitting to processing and borrower is being charged 5.25 % rate. 

XX/XX/XXXX Spoke with XXXX  who has the recording # XXXX for the XX/XX/XXXX modification so she escalated to her supervisor. 2nd time to escalate from XX/XX/XXXX. Supposed to be resolved by XX/XX/XXXX but never was. 
Note : each call takes at minimum 1 hour having to explain it with each transfer.
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

Failed to send paper statements when requested. Customer service giving misinformation including lying about contacting us about late payment. Auto payment system says it is set up when it is not. Reporting derogatory to credit bureau without contact. Saying they cant take off derogatory because they followed their proper procedures when they did not. 

XXXX XXXXXXXX
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Since the beginning of XX/XX/XXXX, I have tried very hard to work with the Bank of America to get my account corrected. 

While their records indicated a delinquency All mortgage payments have been paid in full since the inception of my mortgage loan with them. Never once has a mortgage payment ever been late. In spite of my good payment history Bank of America was applying my mortgage payments to the wrong area and reflecting a delinquency which then initiated a modification to my loan. 

I have never once been late on one mortgage payment I have never requested a loan modification and I have never requested to be on a forbearance program yet Bank of America continues to not correct their mistakes. This has cost me a denial on a home loan application and I have had to go through special financing for a home loan which has cost me an extra {$3000.00} on a down payment and closing costs plus a 4.5 % interest rate Due to the adverse effect that Bank of America has had on my credit report. 

I have spoken to numerous Bank of America employees since the beginning of XX/XX/XXXXand they have failed to correct this problem. I will be selling this house and paying off this mortgage tomorrow which is XX/XX/2021 but the damage that Bank of America has cost me financially can not be undone. I would like a letter from Bank of America apologizing and proof that they have Written a letter to all three credit bureaus including XXXX and XXXX XXXX and XXXX XXXX describing my perfect payment history and correcting their erroneous negative reporting that I am making only partial payments
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I've been trying to make a payment on my XXXX XXXX XXXX ( the one you can only use at XXXX  and is issued by Citi Bank ) for the last month. I used it for years, zero problems till this month when I went online to pay and when hit submit payment it didn't go through and gave me this message " payments operations disallowed due to account status ''. So I tried over the phone and didn't work so they transferred me to an agent. For 2 days I was with 6 different agents for hours and they can't figure out what is wrong, they hung up on me, transfered me to different agents without notice so eventually my payment was past due. They gave me a late fee but were able to reverse it. They said they created a case, never gave me a case number and would contact me with a solution. It has been two weeks and nothing so I decided to try again online and over the phone and the same problem. Again talked to 3 different agents for hours with no solution. We tried different checking accounts, debit cards to pay and nothing works. It's not my accounts cause I paid all my other bills and had no problem. I even tried calling Citi directly but can't get through their automated system if you don't have an account with them, since my card is not visa or mastercard, it is just for XXXX they don't recognize my account. I'm don't know what else to do, XX/XX/05 is my next payment and I don't want late fees I don't deserve. This is hurting my credit score and I just want to know why I get that message and pay my total {$280.00} and possible just close that account, don't want to go through this again.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

From XX/XX/21 till XXXX became a victim of multi-layered scam operation by XXXX, which involved me making deposits for total of XXXX XXXX  from Coinbase account to fraudulent investment firm When I compliant to Coinbase to help me to resolve the issue, they refused and closed my case. 
Please see attached file with more details.
Consumer complaint received 2022-09-21
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. (TN)

I am a victim of identity theft, also have been affected by the Equifax Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX # XXXX, TN Child Support  # XXXX, TN Child Support # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have been a Synchrony Bank Amazon Card Holder for over 7 Years. They abruptly closed my account stating Activity on account with Synchrony bank was indicative of high risk of failure to pay. I have spent Hundreds of thousands of dollars and have never made a late payment on any Synchrony account in my life. My credit score according to their on credit XXXX shows I have a XXXX XXXX XXXX. 
How can I get a human to review this decision. I would like to get my Account reinstated or at the very least get the {$4800.00} Amazon Rewards Points I had rightfully accumulated returned to me.