davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: REGIONS FINANCIAL CORPORATION (OK)

I opened a XXXX credit account with XXXX XXXX XXXX of XXXX. I was told for the first 90 days it was a trial run, there would be no late fees or credit reporting until the trail was finished of offer the best service by XXXX XXXX my personal AccXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX : ( XXXX ) XXXX. After the first 15 days I received a late charge {$75.00} after paying my bill on the day it was due. I call my rep and he ensured me it would be credited. After one week it was not credited, so I called customer service and was told that I would need to pay my bills 2 days early for it not to be late, and i must pay the late fee or i will be charged another late fee. I was then told it would be credited to my account because it was done in error but the system will not zero the account until payment is made. First red flag. So i paid the incorrect charge in XXXX. In XXXX I received a bill for XXXX, even though I had not use the card for weeks. I refused to pay and was told I would be charged a late fee if payment was not made. I refused and contacted XXXX and a supervisor on three-way both of them insure me the error would be correct, because it was put on my account in error. In XXXX of XXXX and XXXX of XXXX, XXXX reported late payments and negative history to XXXX XXXX and XXXX XXXX XXXX XXXX, all while correcting these inaccurate statement. After talking to several supervisors and my account specialist I was told to dispute the inaccuracy and it would be noted for the credit dept. and corrected. After two disputes in XXXX and XXXX XXXX XXXX has not correct these inaccurate reports. I need the help of XXXX  get the XXXX XXXX XXXX XXXX to read the notes on my account and correct these inaccurate reports. It has already been documented by my account manager XXXX XXXX and a account supervisor that these reports were inaccurate. My account has since been assigned to XXXX XXXX.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Consumer complaint received 2020-12-05
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. (TX)

In response to your dispute results and my previous compliant XXXX Reference : Report Number : XXXX Report Number : XXXX Report Number : XXXX Experian, On XXXX XXXX I received your response and Im challenging the incorrect information provided on my credit report. Im providing additional relevant information. Im requesting immediate deletion of these unverified accounts. Experian you have clearly violated the law by reporting the incorrect credit account number and date of last payment. In addition, you are reporting my name incorrectly as shown on the reports I included. 
Furthermore, you violated the law by not providing me the documents you used to verify these fraudulent accounts. Experian continues to misspell and misuse my information by reporting incorrect account numbers, addresses, and late payment ( s ) therefore I dont trust your investigation results. Im requesting Experian to comply with the FCRA and conduct an outside investigation and mail me the documents used to verify these accounts.

Im requesting all original contract ( s ) with an outside investigation conducted and the results forwarded to my mailing address. If Experian fails to provide the original signed contract ( s ) in addition to investigation results, then according to the FCRA law ( s ), you are required to delete this information.

Experian is preventing my family and I from getting our dream home because of this incorrect, unverifiable, and fraudulent accounts. Experian sends me automated results and does not conduct any investigation because i have not been sent or provided with any verification documents. This is putting my life on hold.
Consumer complaint received 2022-11-19
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. (AR)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am in need of removing the following fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Also, you have been failing to verify to me the accuracy of the disputed accounts and yet you have been claiming the these items have been verified. You have failed to meet your responsibilities.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX : XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} TransUnion : XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$400.00}
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am making another report towards XXXX, XXXX, and Equifax in reference to XXXX account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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. 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 the information is inaccurate
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

I have a checking account with Chime my son has XXXX funds coming from SSI on the first of the month Im always receiving his funding like the XXXX of the month from Chime this past month I didnt receive his funds. I reach out to SSI office to make use that it was deposited in the correct account the office told me Yes. Once again I reach out to Chime of course they dont have anyone to speak it is always a computer operator Im very upset because my son needs his money for his needs.
Consumer complaint received 2021-02-10
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. (CA)

I received my credit report from Transunion. I called to dispute my personnel information. Not only did the rep. XXXX XXXX place me on hold for 15 minutes. He comes back to inform me he can access my report due to incorrect name place on my credit report. I have a fraud alert on my reports for five year. During this time i have not used my credit for any purchases ' am opt-out of promotional advertising. Yet, Transunion is pulling my credit report or reviewing my credit reports without my consent monthly. Prior to todays call i sent over my California Drivers license as proof of my name.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (TX)

my secured credit card gets a fraud just about every time I use it and this has not only caused me embarrassment and hours of time away from other obligations it has cost me monetary suffering. I made a complaint about this issue back in XXXX via phone and email but instead of getting a response and or resolution to the problem I was locked out of not only my credit card account but checking and savings account also without any valid reasoning behind this and I remained locked out from XXXX through XXXX leaving me unable to pay my bills, access my money or run my business as I was self employed. my vehicle was stolen along with my wallet and driver 's license, cards, checkbooks etc inside of it. I spent a countless number of hours sometimes up to one hour and 45 minutes at a time waiting for the fraud department to come on the line. I even went to a branch and sat in the lobby while on hold to show the staff that how impossible it was to resolve my issue if that specific department was the only one who could help me. once I finally got a hold of the fraud department and presented to them, my government issued temporary driver 's license, my social security card and even offered my birth certificate I was rudely told that my documents were unacceptable and when I asked for someone of hire authority to speak to I was told that there was no one about the fraud and security departments and that no money was to leave my account until I had received the non temporary government issued driver 's license. it takes weeks and sometimes months to get an appointment with the Texas XXXX post covid. so I had already waited weeks
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (WA)

I found a delinquency on my credit report on Aspire Mastercard. I called in and they could not find my account. 

I then received a call on a delinquent amount on my account. I told the customer service agent that I tried calling in and they could not find my account. I explained I closed this card and my name changed. I have no way of using the card or account and closed it and then disputed the charges. They were to have someone call me back. No one called. 

I received another call. I then put in an online complaint ( e-mail attached ). I feel like I have been very clear on this. I closed the card, my name changed, I do not owe them any money, I have not made any purchases. Their response is very generic and they just say I can't get a new card. I do not want a new card. I need the charges researched. I think these may be fees from them not completing the closing of my account.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (MI)

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.
Consumer complaint received 2023-04-05
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. (FL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC (IL)

I was mailed a judgement for a totaled vehicle loan debt that was sold to a collection agency. I looked up the judgement and it was closed. I received no court date and was not contacted by the company. A garnishment was issued to my employer 2 months later.im receiving government benefits. Wage garnishment is waived in this case. 
Event Date Docket Entry XX/XX/2023 PROOF OF SERVICE/CERTIFICATE OF SERVICE XX/XX/2023 MATTER ORDERED STRICKEN FROM CALL No one appears. Cause comes on for return on wage deduction. On Court 's motion, matter ordered stricken from the call. XX/XX/2023 NOTICE XX/XX/2023 AFFIDAVIT XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 AFFIDAVIT XX/XX/2023 NOTICE XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 Notice OF FILING XX/XX/2023 Notice OF FILING XX/XX/2023 AFFIDAVIT XX/XX/2023 FOREIGN JUDGMENT XX/XX/2023 CONTRACT {$2500.00} - {$10000.00} XX/XX/2023 STATUTORY MAILING FULL AMOUNT XX/XX/2023 File is Closed / Dismissed XXXX, The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved. By using this service, the user agrees and understands that he or she is bound by the on-line access to Parties Offenses Financials Schedule Events Search End Important Covid-19 Related Updates : AO 21-30 Misdemeanor and Trac Zoom Protocols AO 21-36 Civil Zoom Protocols and Instructions ( If Ordered ) AO 21-38 Domestic Relations Court Zoom Protocols Family Judge Zoom Instructions XXXX , The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved . By using this service, the user agrees and understands that he or she is bound by the on-line access to
Consumer complaint received 2023-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (WA)

XXXX XXXX ( Plaza Home Mortgage ) has been servicing my loan since XX/XX/XXXX. This XXXX XXXX XXXX mailed the XXXX real estate tax document to show what payments are due this year. Since our property taxes are paid through escrow on our loan, I logged into my account to make sure these payments were already updated, especially because there was an increase of almost {$1000.00} this year. Property taxes were not yet updated so I called customer service and they told me to email the document to them so they can update and recalculate how much should be put into escrow to cover our payments this year. They updated the first installment payment only. I have called customer service multiple times to request they add the second installment payment. They keep citing errors made on their end and kept assessing {$7.00} fees to re-calculate my loan even though every time was due to their own mistakes in updating the loan. Last time I called I spoke with someone in the tax department for an hour. They emailed me an update on XX/XX/XXXX to say everything is updated and taxes will be paid on time. I emailed back XX/XX/XXXX to AGAIN request they add the second installment payment due to the escrow account so that our monthly payments include any additional money needed to cover taxes this year. I still have not heard back from anyone. This has been a common theme in dealing with XXXX. They don't consistently respond to my inquiries and I've had to call and email many times for the same request, just to have my loan updated accurately. Communications regarding my loan have been hit and miss and the communications I do receive are always severely delayed. Now, I've been notified that they are transferring my loan to a different servicer and I'm concerned my loan is going to be sent to the new loan servicer all messed up and that impacts my monthly payments. My experiences are showing XXXX to operate in dishonest and chaotic ways where I, as the customer, is getting the short end of the stick. This feels unfair and unethical.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

4 Duplicate accounts are showing for Dept of EducationXXXX and US Dept of Education I am 100 % totally XXXX Veteran who has receive loan forgiveness but the duplicate accounts of my credit report for the same exact thing. Also the account status is incorrect US dept of education reflects with all three bureaus Student loan assigned to government, Paid collection Student loan perm assign government Student Loan Permanently Assigned To Government Dept of educationXXXX all the bureaus reflect Account closed due to transfer
Consumer complaint received 2023-04-05
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-28
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. (MI)

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