davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (CA)

My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

Complaint : JP Morgan Chase Bank ( Chase ) guarantees on-time closing or {$2500.00} in compensation through the Chase Closing Guarantee. My loan closed after

a 9-day delay ( 39-day closing vs. original/agreed 30-day closing ). Chase refuses to compensate me for the delay in closing. I attempted to resolve the issue through the Chase Escalations Department. However, my request was twice denied based on an " interest rate change. '' Lender-initiated delays are not listed among the ineligibility criteria, and Chase failed to communicate which line item renders my request ineligible. Furthermore, Chase failed to provide written notice of adverse action ( i.e. denial of credit ) per CFPB Regulation B, 1002.9, preventing me from pursuing a loan application with another lender. Timeline : On XX/XX/XXXX, I applied for a conventional mortgage with Chase. When initially applying, I was not given a choice of loan/product types to apply for. 

On XX/XX/XXXX, I was informed my application was pending an ( internal ) exception. At the time, Chase misled me by stating it was due to a requirement that funds originate from a checking account. 

On XX/XX/XXXX, after repeated escalations through phone and email, a Chase manager communicated the above exception was due to a change in loan types, from agency to non-agency portfolio. 

On XX/XX/XXXX, my original closing date, Chase approved the exception to process the application as a non-agency portfolio loan. At this time, they failed to issue me denial of credit on the original loan application, nor did I submit a new loan application for the change in product type. 

On XX/XX/XXXX, my loan successfully closed, 9 days after the originally scheduled closing date. 

Additional Notes : Chase failed to communicate requirements and requests in a clear, unambiguous manner. For example, on XX/XX/XXXX, I was informed that my application was pending an exception. Chase misled me into thinking this was related to a requirement that funds originate from a checking account when it was instead related to a change in loan product types.

Chase also failed to communicate in a timely manner, requiring repeated email escalations to the

loan officer and managers involved with my application. Phone calls went unanswered and unreturned. Chase representatives communicated that updates would come within 3 business days, and instead often took 4-5 business days to respond, if at all. Chase put me in a lose-lose situation, and yet refuses to make this right by compensating me for the delay.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to fix my own credit I have contacted each bureau multiple times XXXX XXXX transuion and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please take a look at the following items and remove them as these items are fraudulent : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balace {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$760.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$900.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX  XXXX XXXX mortgage loan, was transferred to Carrington mortgage company. Both companies are reporting incorrect information on credit reports. XXXX  XXXX XXXX was not sent to collections, it was Covid forbearance and then they transferred our loan to Carrington. Carrington is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. Carrington had not updated their own system, so we had no account number for them to take payments. Our XXXX  loan was still considered the payment company and put our payments in a escrow account, until Carrington had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account I was an authorized user on which was my son 's I had myself removed back in XXXX and it is still listed. I need this removed ASAP I have waited more than 45 days an addressed it with a dispute. Please help assist me. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have tried multiple times today to get a credit freeze lifted through Experian. Even though Experian claims that the freeze is lifted, I am still unable to get a credit application processed. Each time I've tried to get my loan application processed, the creditor says there is a freeze on my credit. I have not been able to speak to a real person at Experian to clear up this problem. Experian seems to have taken extreme measures to avoid having live agents assist consumers. This issue is having a very negative impact on my ability to conduct essential personal financial business.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (FL)

I had closed my XXXX account expecting almost 40 dollars in interest as the balance was over XXXX dollars at .75 % interest. They claimed there was only XXXX cents interest originally, but then said they had mailed a check for the real interest in an email, then said they did not. I am a senior on XXXX and they took advantage of me. I can not even get through on the phone, tried many times. XXXX I want my almost 40 dollars in interest sent to me.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

I am writing to express my frustration and seek your urgent assistance in closing my Citibank Accelerated Savings account. I have been attempting to close this account for the past five months, but despite numerous contacts with Citi support team, the account remains open and I am still being charged service fees. 

To summarize : - I tried closing my account through the online website. I site directed me to call support. Support was unable to close my account and directed me to write a letter to Citi bank XXXX XXXX, requesting to close my account. 
- XX/XX/year> : I sent a letter to the Citibank XXXX XXXX branch requesting the closure of my account. 
- Despite follow-up calls with Citibank support , I was assured that the account would be closed, but this has not happened. 
- starting of XX/XX/year>, I have been charged monthly service fees of {$4.00}, which I believe are unjustified since my account should have been closed in XXXX. 
- I have sent another letter on XX/XX/year>, reiterating my request to close the account. However, I have yet to receive a response or see any action taken. 

Given these circumstances, I kindly request the immediate closure of my account and a waiver of any fees incurred since XX/XX/year>. 

As there are no physical branches in my city, I have made every effort to resolve this via mail and phone, but the issue persists. 

Please assist me in resolving this matter promptly, as I am at a loss for how to proceed. 

Thank you for your immediate attention to this matter. I look forward to your help with this issue.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (IL)

I used Wells Fargo credit card to pay for dumpster service. It appeared that dumpster company it is some scam company that overcharged me for the weight of the dumpster. I filed dispute with Wells Fargo, Illinois Attorney General and XXXX about this scam. Wells Fargo denied the dispute stating ( over the phone ) that I signed a contract and that is it. I signed a contract for additional dumpster weight. First of all I requested numerous times to send me final dispute status in writing to my email, they never sent it. Secondly I tried to explain that the fact that customers signs a contract for additional weight, it does not mean that merchant can charge whatever they feel like it, without any supporting documentation. Merchant submitted " proof '' of weight of the dumpster with different name of the company, without my name on it anywhere. It can be anyone 's receipt. My credit card does not find this information important. They are just quick to take your money, but no support when there is a problem with the merchant.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

In accordance with the Fair Credit Reporting Act ; GLA Collections This company continues to violate my rights. 15 USC 1681 section 602a : States, I have rights to privacy. 15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions. This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately. The credit reporting system should not be used to coerce people into paying medical bills that they do not owe.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

From XX/XX/XXXX through XX/XX/XXXX, I made cash payments in the total amount of {$9100.00} for mortgage due dates : XX/XX/XXXX through XX/XX/XXXX. 

SunTrust records indicate that my mortgage account is delinquent for XXXX and XXXX, XXXX. 

XXXX XXXX of SunTrust Mortgage confirmed that my last payment on XX/XX/XXXX in the amount of XXXX was NOT applied to the principal ( see attachment ). Instead, SunTrust Mortgage misapplied my funds to a " SUSPENSE ACCOUNT '' for escrow payments. My contract does NOT include escrow payments ( see attachment ). 

I must pay XXXX 's mortgage payment soon, but SunTrust warned me that any future payments will be applied to any and all past due amounts. 

In USA, CFPB and 50 States v. SunTrust and among other civil actions, ( including 1-14-cv -- 01128-RMC ), the court has ruled in favor of the mortgagor when facts include deceptive acts and practices by the mortgagee. 
On the following dates, I spoke with SunTrust but to NO avail. 

Date SunTrust Customer Service Time Outcome XX/XX/XXXX XXXX XXXX by phone/email XXXX no response XX/XX/XXXX XXXX XXXX by phone XXXX no response XX/XX/XXXX XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response I have attached documents for your perusal. I look forward to hearing from you soon. Thank you in advance for your consideration.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2022-12-14
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. (GA)

I have tried to dispute these fraudulent inquiries multiple times. Every bureau has removed them except Equifax. 
Based on 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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

According to 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

XX/XX/23 - I contacted Citi bank fraud department to inform them I received a reference letter to gain access to my account which they told me my account would have access to after I do so. I gave them a reference number from a letter I had to wait for 5 business days to receive. This is my main account I explained to them and not only is citi bank delaying my bill payment they are also crippling my money flow Inside of my account. So after a long hold on the phone the representative tells me I have to wait another 24-48 hours for a phone call to get access to my account. This haves been the worst banking experience I have ever encountered I am very XXXX and I even have gotten sick because of all of this stress that I can not access my account. I am backed up on bills and short of money because of citi bank. I even went to the branch and they told my my account was active then I check and it wasnt. This is very un professional and I feel very stressed that I can not access my primary account for nearly a week. I want damages paid on behalf of citi bank for XXXX XXXX and pain and suffering because now I am under the weather because of the XXXX citi bank haves given me
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK (GA)

I am invoking specified remedy as a consumer and the original creditor Zero out any account balance Provide the XXXX XXXX of alleged debt Delete this alleged debt from all Consumers Reporting Agencies Provide an authentic signed contract between you, Collection agency, and XXXX XXXX showing proof that you and XXXX are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX is claiming owed. 

An authentic invoice for goods and/or services you provided
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am name is XXXX XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}