davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-20
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: EQUIFAX, INC. (NY)

Very bad company with their system Im a victim of fraud identity theft and disputed fraudelent hard inqueires their system sent me a letter in the mail after I sent them a FTC report by mail police report since they told me they need it to have it removed then I got a letter from them with dispute results saying all hard inquiries have been removed from my credit report then I go to see and its still reporting system dscroenecy this is unfair to me last time their office of consumer affairs had to remove this manually and apologized to me for their system doing this to me putting the inquiries back after telling me sending me results showing deleted
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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!
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2020, I tried to purchase a vehicle through XXXX Pay for {$4700.00} and that same day the money came out of the account. The guy I paid claimed he never received payment for almost a month, so on XXXX/XXXX/2020, I filed a dispute with my USAA. The money was returned to my account on XXXX/XXXX/2020. On XX/XX/2020 the dispute was closed. Then today, XXXX XXXX, 2020, they reversed the credit and sent the money back to the guy without any notice, causing my rent to bounce. I called and spoke to customer service who told me there " was nothing they could do, but would be happy to put in a re-dispute '', which I did. Then I called back to speak to someone in management where I was told that they dont put calls in to management. Instead I spoke to an " Executive resolutions specialist '' who again reiterated that I could put in another dispute and that the receiving bank had submitted supporting documentation to support that I had received services. I do NOT have the car, and he has since sold it to someone else. Basically USAA stole {$4700.00} out of my account and they are basically telling me I have no recourse.
Consumer complaint received 2022-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

XX/XX/XXXX Money Lion INC Money Lion INC XXXX XXXX XXXX XXXX, UT XXXX XXXX Dear Money Lion INC, Thank you for taking a couple of minutes out of your busy day to read this letter. Ive enjoyed my relationship with Money Lion since XXXX. Im writing because I noticed your company reported a charge off on my credit report. I am requesting a goodwill adjustment to remove this charge off from my XXXX, XXXX and XXXX credit reports. 

Upon Review of my records, I realize that I did was negligent with this account. Unfortunately, I was in several mental health hospitals and I was not in the right frame of mind. I take full responsibility for the mistake and have made sure it wont happen again. May you please make the goodwill adjustment requested. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX Account 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 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 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Mid 2021, 3.5 years into our loan, our mortgage company was sold from " XXXX '' to " Mr.Cooper. '' We pay our homeowner 's insurance via our mortgage payments and they sit in escrow until years end and the lender then pays my insurance premium. 

After exactly 4 years of owning the home they said they didn't know what company to pay the homeowners policy to since the previous company XXXX did not provide that info to them. They say they called my insurance company to get consent from me to pay the insurance. My insurance company says they would have called me in 3rd party to give my verbal consent and that they never attempted to contact them. 

My new lender, Mr.Cooper, then went ahead and signed me up with a new homeowners policy from what I believe to be one of their affiliates or entities. My previous policy premium was set to renew with a new amount of {$1100.00} per year. The new company called XXXX XXXX XXXX XXXX whos premium is costing me {$2100.00} per year. 

I did not consent to start this new policy and never received any attempts from Mr.Cooper to call me to resolve the issue.
Consumer complaint received 2022-07-15
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via Zelle. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called XXXX customer service on XX/XX/2021 and reported the Zelle scam. They filed a scam report case number XXXX with Zelle. 

Then I called Zelle 's customer support. I could only reach Zelle 's in-app customer support and they couldn't look up the case number because I was using Zelle with a bank not the Zelle app. They transferred me back to XXXX customer support once they heard that I was using XXXX to send Zelle payments. Finally I got connected with a XXXX customer support who knew what was going on and told me to wait for results. 

Only recently did I receive words from XXXX that Zelle responded on XX/XX/XXXX, that they were unable to return the funds because it was not a scam. How were you able to make that decision without even getting materials from me the victim? 

Here 's all the materials that I can provide via this site to show that this is an actual scam. 

I filed a police report with XXXX PD. More background on the scam : I saw the sublease post on XXXX. Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for Zelle but now unregistered ). I paid a {$500.00} deposit via Zelle during the signing. Afterwards, the scammer can no longer be reached. Original XXXX  post was deleted : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC ()

My wife and I applied for a refinance of a property. Our credit scores are excellent and our credit reports obtained from the credit bureaus show an " excellent payment history ''. This mortgage is our only debt. Our income exceeds what is necessary to qualify. The loan-to-value ratio is probably somewhere between 38.5 % -45 %. We have never missed payments on anything or ever filed for bankruptcy.

Our application was denied due to " Unable to verify residence ''.

From the start of the process that the lender was informed that we live abroad. All of the documentation which we provided shows our foreign address, bank statements included. We have been away for 2 years so our last two IRS fillings were done with this address. We receive mail from several institutions, the IRS included, in order to keep our affairs in order.

All of our income is US-based ; we have no income abroad. We provided title and record information about the property we currently reside in showing full ownership and no mortgage.

Upon request, we also provided a US address belonging to a friend of ours who receives the odd mail from us. We rarely receive mail since most companies prefer paperless methods, but nonetheless this was made available as well.

We enlisted the help of another friend in the US who would have power-of-attorney. He would sign on our behalf at the closing. The title company sent us the power-of-attorney document to use and we booked with the notary at the local US embassy to sign the documents.

We e-signed the lender 's disclosures and also the rate locking documents. Shortly after the latter, the loan was denied.

In a nutshell, are US citizens/persons who live abroad barred from refinancing their properties in the US? 

We can not find a valid or reasonable reason for this loan to be denied.
Consumer complaint received 2022-06-30
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX XXXX. {$1400.00}. XX/XX/XXXX XXXX  XXXX XXXX. {$1800.00}. XX/XX/XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (WA)

Americollect I just recently paid off the XXXX dollars in full on one of my collections and the other saying I owe XXXX dollars I set up for a payment arrangement now on my file it says closed when it was open and nothing on my credit score has changed Im trying to build my credit right now and do all the right things and now Im at a stand still even when Im setting up payment arrangements and paying off debts this problem needs to be fixed
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

XXXX Credit card through Comenity Bank fraudulently opened up in my name within past 30 days and sent to my previous address. This is the XXXX fraudulently opened or attempted card in my name within the past 3 months. I called the company and they closed it.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXXXXXX XXXX XXXX  be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. XXXX is reporting last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. They are both reporting two different last payment dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.
Consumer complaint received 2023-05-16
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/2023, I went to XXXX 'XXXX XXXX and purchased gas and as I left, I received a text message asking me if I made a purchase to XXXX XXXX and I said no. I then called them and they advised me that my account had been compromised and they sent me out a new debit card. On the XXXX of XXXX, I received the same text message asking me if I made the same charge and I didn't respond until the next day in which they had blocked my debit card again. I spoke with several representatives who was advising me to switch my debit card again or change accounts and that wasn't a solution for me because if my debit card number was changed, and they got the new card information, there wouldn't be any resolution. I called back and asked to speak with a fraud manager and she advised me have the debit card changed to a new debit card number which is called CIN Collapse with Citibank CRU Team. I agreed but was not satisfied with the resolve. I stressed that this is the 2nd weekend that I am going on without having access to my money. She said that I could walk into the branch and get money and that Monday I walked in a Citibank branch and had no access to my money. I called the fraud team back and was told that my account didn't look like it was a checking account but a pre paid account. I was told that I would receive a call back but never did. I got a new debit card that Tuesday and everything worked fine until today XX/XX/XXXX. I received a call from Citibank and I couldn't hear the representative and asked her to call me back. After 10 minutes passed and no callback, I decided to call Citibank to find out what was going on. I spoke with a representative who had me to verify my information and then was advised that my account was being closed because someone tried to access my account from XXXX. I advised her that I have never been to XXXX and that no one but me have access to my account. I then asked to speak with a supervisor and she said that she was sending them an email and they will call me back. I was not okay with her explanation and I called back. I was then told that my account was not being closed due to someone accessing my account in XXXX but because some merchant and consumer rule was violated and I asked for a supervisor she also said someone would call me back and abruptly hung up. I have direct deposit other transactions that are scheduled this week and my account is restricted. I am very upset about this and I will be going into a branch as soon as I get back in XXXX.
Consumer complaint received 2021-06-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Windham Equity Company (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES.
Consumer complaint received 2021-07-15
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (HI)

Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX XX/XX/XXXX