davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

My account and or card was compromised. Funds were fraudulently stolen from me. i opened a fraud claim with my bank TRUIST, they've credit my account of the missing funds. On few weeks later i receive a negative balance of XXXX. I am confused because i believe my bank failed to protect me as a consumer and my consumer rights werent protected. I cant afford to lose any funds in a dire time like this. At this time I would like TRUSIT to uphold its commitment to the Electronic Fund Transfer Act or ( REG E ). This federal law protects me as a consumer against such claims. Thankyou
Consumer complaint received 2021-04-12
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: BARCLAYS BANK DELAWARE (OH)

On XX/XX/XXXX, I awoke at around XXXX to find 2 fraudulent pending charges ( total of {$290.00} ) on my account. I called one of the vendors that was attempting to charge initially to give them a heads up that this was fraudulent activity. They advised to me that " this is a valid charge in our system and the order will be processed '', which was very odd. I told them that I was going to call my bank and they said " your bank will side with us '' and hung up. This is when I knew that they were part of the scam. I called the bank ( barclayscardus ) and advised them of the fraudulent activity. They told me I was all set and would not be responsible for the charges. Fast forward a few weeks and I received a letter that stated the charges were found to be valid. I called and spoke with several people trying to get explanations, but they just kept saying that their fraud investigations team determined these to be valid. I asked for them to provide an IP address from where the orders were made, and they would not provide that. I asked for the evidence that made them determine these to be valid, and they just told me the vendors provided sufficient evidence. I also provided them with a timeline and a dark web scan showing my identity stolen. 

These charges were not authorized by me - and I will swear to that under oath. I was sleeping while the transactions were processed, which can be verified by my wife. I need help on how to resolve this as I feel strong armed by this company now.
Consumer complaint received 2022-04-04
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX I filed a claim with chase fraud department Claim # XXXX. 
XXXX checks were forged deposited into my account and cashed against my account # XXXX. 
A check for {$1900.00} and a check for {$2800.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED XXXX # OF XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX | Returned deposit item - {$1900.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED Forged Rule XXXX XXXX # OF XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX | Returned deposit item - {$2800.00} In addition I was charged XXXX returned fee checks : XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX Forged Rule XXXX XXXX # OF XXXX # XXXX DEP XXXX DEP XXXX XXXX XXXX  XXXX Fee - {$12.00} XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX XXXX # OF XXXX # XXXX DEP XXXX XXXX  XXXX XXXX XXXX XXXX Fee - {$12.00} On XX/XX/2022 I was Reimbursed {$24.00} for the fees and {$2800.00} for one check but NOT the other check. I have called several times ( Chase fraud dept ) since XX/XX/2022 their answer is it will be done " in XXXX to XXXX business days it is being reviewed ''. Today XX/XX/2022 i spoke with XXXX, account supervisor in claims, he states there is an extension for another 5 business days. He states that the person or department reviewing does not have a phone that can be called?? 


XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX cel phone XXXX
Consumer complaint received 2023-01-12
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. (NJ)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



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
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (SC)

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 2022-04-04
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: Grace Period, Inc. (FL)

hello this XXXX XXXX need guidance where is my money going i dont give out my information online like that so i thinking something or someone useing my name or doing fraud i live in XXXX fl
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX continues to violate my right to privacy, which is a violation of the XXXX XXXX XXXX XXXX. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. 

XXXX XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of XXXX XXXX furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*
Consumer complaint received 2022-04-04
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)

I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$970.00} Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX XXXXXXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1000.00} Account name : XXXX XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$310.00} Account name : XXXXXXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$300.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$720.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$54.00} Account name : XXXX XXXX XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX Account number : When account was open : XX/XX/XXXX Account balance : {$3700.00} Hard Inquiries Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Incorrect Addresses reported to be deleted : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect names to be deleted please XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (MD)

Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with Experian, XXXX and XXXX. Thank you in advance for your help and assistance.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. 

XXXX XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of XXXX XXXX furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have sent several letters to XXXX, XXXX and equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not know who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office. Please DELETE these unauthorized inquires immediately.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OK)

On XX/XX/2021 XXXX XXXX the Owner of XXXX XXXX, managing the property XXXX XXXX XXXX XXXX offered me to 'just leave now ', while being under the protection of the CDC XXXX XXXX. The offer did not have an expiration date or a specific time frame requesting an answer for the offer. On XX/XX/2021, I received an email from XXXX XXXX, XXXX giving me notice that XXXX XXXX has filed a collection against me. I have in writing, XXXX XXXX stating if we 'just leave now ', that the owner of the building would not pursue legal/credit recourse.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to XXXX XXXX XXXX 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 XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Pursuants to 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. i never gave written consent to report anything on my consumer report. No consent is identity theft! I sent in detailed letters on XX/XX/2022 explaining that there is unauthorized Inquiries on my consumer report and not only are my rights being violated they are not in compliance with the FCRA. It has been 60 days since the letters were sent out and these unauthorized items are still on my consumer report. Seeing these items furnished on my report without my consent is causing me to lose confidence in the banking system and if they are not removed I will not allow XXXX or Transunion to furnish a report for me and I would not like to do business with them anymore.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Mortgage servicing violations Due to the increase of homeowners needing assistance this year, weve prioritized supervision of mortgage servicers. A recent review of our 2021 supervision efforts revealed certain violations, including : Charging late or default-related fees to borrowers in CARES Act forbearance programs. The CARES Act generally prohibits a servicer of federally-backed mortgage loans from imposing these fees while a borrowers mortgage payments are being deferred due to financial hardship caused by the COVID-19 emergency. 

Failing to end preauthorized electronic fund transfers. Otherwise known as EFTs, some servicers failed to end automatic electronic payments when an account had been closed, often resulting in additional and repeated fees when borrowers had insufficient funds in their banking account. 

Charging consumers unauthorized amounts. Our report found that, in some cases, mortgage servicers overcharged borrowers for services or added fees outside of their loan terms, including for home inspections and XXXX XXXX Opinions. 

Misrepresenting mortgage loan transactions and payment history in online accounts. Examiners found that servicers provided inaccurate descriptions of payments and transaction information, which may have misled borrowers.

Failing to review borrowers applications for loss mitigation options within 30 days. Examiners found that mortgage servicers violated Regulation X because the servicers didnt evaluate the borrowers complete loss mitigation applications and provide a written notice stating the servicers determination of available options within 30 days of receiving borrowers applications. 

Incorrect handling of partial payments. Servicers are required to take one of the following specific actions when they receive a partial payment from a borrower : crediting the payment, returning it to the consumer, or holding it in an unapplied funds account. Examiners found that, in some cases, servicers put these payments in borrowers escrow accounts rather than returning the amount or crediting it to borrowers next monthly payment. 

Failing to automatically terminate Private Mortgage Insurance ( PMI ) on time. For borrowers with PMI, servicers are generally required to automatically terminate those additional PMI payments once the mortgage loans principal balance is first scheduled to reach 78 percent of the original value of the property. Examiners found that in many cases the servicers data was inaccurate, and the PMI wasnt terminated in a timely manner. 

This company has not helped us to retain our home. 
Excessive fees.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (NY)

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 2023-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

I have a mortgage with Lakeview Loancare and have been making bi-monthly payments since XXXX of last year. I am retired, and make payments based on when I get paid which has become an issue. Social Security pays on the XXXX Wednesday of each month. This means some payments come in a week later than others, depending on the month. XXXX  charges a late fee if full payment is not received by the XXXX of the month. I have called XXXX repeatedly over the last 5 months to try to get some kind of help, while the late fees continue to accrue. Today I was told, basically, too bad, the due date cant be changed, and by the way, we know were getting the full amount each month, heres your late fee anyway. Heres what really frustrates me : I can not get ahead no matter what I do. If they dont have the full payment by the end of the cycle, EVEN IF I PAID A FULL MONTH AHEAD, I will still be charged a late fee! They refuse to work with me in any way. If I pay my auto loan ahead, its ahead. My mortgage? Apparently not. This is simply predatory. Ive called multiple times to fix this, and not been given a solution. 
XXXX automated payment system will not allow additional monies to apply to the principal, and they are not set up to allow bimonthly payment. I have to make principal payments separately and specifically. Therefore I use my bank payment system to make my bimonthly payments, and XXXX system only for additional principal payment when I can afford it. I will refinance as soon as its economically feasible but in the meantime Im stuck with this company. Other mortgage companies I have used automatically applied extra monies to apply to the principal. Not XXXX! 

I can and will change how I pay this mortgage, and will do so immediately, at great personal hardship. However, XXXX refuses to reverse the late fees. The escalation XXXX I spoke with said XXXX fees ( out of XXXX ) could be reversed if I made an immediate full payment while I was speaking to her, but doing so would not affect future late fees, as it does not put me ahead.