davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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)

Equifax I checked my credit report from you and the account you stated deleted is still on my report enclosed are your response and my credit report still showing account .Please remove the account from my credit report thank you
Consumer complaint received 2021-06-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (ND)

Mortgage was remodified through Hardship claim with originator of loan, XXXX XXXX and finalized in XXXX. Loan was moved to XXXX XXXX XXXX by XX/XX/XXXX and then moved again to XXXX  XXXX XXXX in XX/XX/XXXX. Escalating payments noted in XXXX due to finalizing transition period from company to company. Contacted Fay in XXXX inquiring about a $ XXXXmonth increase per the customer service representative there was no monies in the escrow account when Fay accepted this account from XXXX XXXX so the current financial amount owed was due to lacking the escrow for property taxes and upcoming insurance. Owner of property reviewed all records and sent a registered letter that included documentation to XXXX   XXXX  outlining the transfer amount of escrow from each lender and the overpayment amount to the current mortgage account now held by XXXX  XXXX. This was sent on XX/XX/XXXX. Owner of property requested a audit of the mortgage account due to the concern of misplaced monies of greater than {$1600.00} from escrow and an overpayment to the mortgage account of greater than {$270.00} however a mortgage deficient continues to be reflected through statements. A request for the investigation conclusion of 10 business days was given and it is now greater than 20 days and no contact by Fay except a new mortgage statement of another owed {$600.00}. Original principle of loan and interest combined is less than {$200.00} on a fixed 30 year rate. Currently the mortgage has $ 400+ going towards " escrow '' monthly and this amount continues to grow without cause. Owner retains copies of the letter and documents sent to Fay for her records.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.
Consumer complaint received 2020-10-07
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)

HI XXXX 'XXXX  / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-07
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. (MA)

HI XXXX 'XXXX  / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

We started a refinancing process with U.S BANK in XXXX of this year, we are in XXXX and they have not given me a definitive answer. On XX/XX/XXXX we paid {$390.00} for the application fee. The closing date was XX/XX/XXXX, later they told me it was XX/XX/XXXX, then it was XX/XX/XXXX and finally is XXXX and we don't have an answer. During this time I got better rate for the home insurance but I could get because they never made the closing. As time has passed, they asked me again for information that I had already given ( pay stub, bank statements ) and  additionally they ran my credit again, they have run my credit report twice. Now they are asking me about the new requirement and when I applied I met all the requirements. We lost money and time.
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am filing a complaint against KOHLS/CAPONE because they are attempting to collect a debt that I do not owe them. Account Name : KOHLS/CAPONE, Account Number : XXXX. 
I would like for KOHLS/CAPONE to show proof of verification that I owe them {$380.00} with the account above. After disputing this account creditor has already filed the payments as a business loss which they claim that I owe. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

Someone called in from US banks number pretending to be them. They said that someone was trying to spend {$3000.00} in XXXX services ( which i have never used before ). They asked me all the same questions US bank asks and just wanted a confirmation number to verify my identity, and with that number, they were able to take {$1800.00} out of my checking account. I called and filed 2 claims with US bank and filed a police report, but US bank refused to help me. They knew about the issue and did not tell their customers until 2 weeks later, but did not want to help those that had to go through the issue before the email was sent out. Every time I was on the phone with them, all they did was transfer me around to multiple people who could not help me. I thought my bank was supposed to help protect me and help, and this was a problem that they should have let us know about sooner, or done something to help.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (CA)

I owed American Express approximately 1300 for a balance on an American Express credit card. They stated that I need to repay the whole balance by the end of the month, which I thought was absurd. I have never owned a credit card that forces me to pay the entire balance every month. At the time, I had a lot of hardships and wasn't able to repay the whole balance. I told them I can make payments. So we worked out a payment plan of XXXX dollars a month for 24 months. I paid them every dollar that I owed. I have the bank statements to prove it. A year later, they called me again, and said, that I still owed them money. I told them I already have paid, but apparently the person I spoke to didn't believe. They sent my supposed debt to a debt collector. I feel like they were trying to extort more money out of me. And since they weren't able to, they sold my supposed debt to a debt collector to maximize their profits on my behalf. And now I am obligated to hire a lawyer to fight this, which costs me more money that I don't have, especially during this pandemic.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (RI)

I have a Wells Fargo Active Cash card I applied for in XXXX. To start, the credit limit they gave me was insulting. My most recent issue has to do with a payment I made. I made a payment on XX/XX/2022, which posted to my account online and was taken from my checking account on XX/XX/2022. My card was declined at a grocery store today, XX/XX/2022, but when I left the grocery store the charge was sent to me from Wells Fargo 4 times. I called Wells Fargo and they told me I could not use the card because I reach my limit. They said that my account payment was on hold for XXXX weeks to ensure that the funds are legitimate. I have use this same checking account to pay off my card before, they already have taken the funds out of my checking account 2 days ago, and they also posted the funds as if they cleared to my card on my online banking. How can a credit card company take my funds from my checking account and not post them/hold them on their end when theyve already taken the money? I am not sure how to move forward with this, but this is completely unacceptable and in my eyes fraudulent. If I made my payment and they took the money, it should be applied to my account on the date the money with withdrawn from my checking.
Consumer complaint received 2020-05-04
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. (MD)

Upon using XXXX, I was able to access my credit report successfully from XXXX  and XXXX, however was unable to do so with Experian because I have lived at 3 addresses in the last 2 years ( the request form only lets you put one former address within the past two years ). Additionally,  because my extended fraud alert ( which lasts a total of 7 years ) was not placed at my current or former address, Experian 's software is not good enough to confirm my identity ( unlike that of XXXX  or XXXX   ). Additionally, it took me more than 7 minutes on the phone with a robocalling system with Experian because their system had significant difficulty recognizing my voice, particularly my apartment number. Additionally, due to COVID-19 and not having a printer, there is nowhere I can physically go to complete paper request forms and my building does not have a box for outgoing mail. Because of these flaws, I am stuck waiting 15 days to receive a report I am entitled to every week. This delay is unacceptable in comparison to your competitors and the service you claim to provide.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OK)

I am 2 weeks late on my payment with Citi Best Buy card and have been receiving more and more calls per day. It started as 2 per day but has quickly escalated. I have received 4 robo calls already today and it's just now noon. Each time they leave an extremely long voicemail which after 4 fills up my inbox. I've received 2 calls within 30 minutes or each other. Times are hard right now and trying to collect in this manner is heartless. I was already denied help from citi without any explanation why. I understand I need to pay but harassing me non stop isn't the answer. I have attached proof of the 11+ calls in the last 3 days.
Consumer complaint received 2022-09-09
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: Self Financial Inc. (NY)

Pursuant to 15 USC 1692 ( e ) congress proposed laws to prevent abusive and deceptive debt collection activities, SELF INC. LEAD BANK has conducted themselves inappropriately and illegally by assuming the role of original creditor when in fact they are nothing more than debt collectors according to 15 USC 1692 ( 6 ). By furnishing account XXXX under SELF INC.LEAD/BANK, they have been assuming the role and responsibility as original creditor when I am in fact the true original creditor of this account according to 15 USC 1692a ( 4 ) as my personal private information was exclusively extended to create this consumer credit transaction which in turn opened this account. In addition, according to 15 USC 1692e ( 9 ) SELF INC.LEAD/BANK is in direct violation by distributing and using written communication that created a false impression as to the source or authorization of who the original creditor is, as they demonstrate on my consumer report included in this complaint. I have always reserved my right to privacy as per the Privacy Act Of 1974 therefore my personal information should not be furnished under any circumstances unless authorized by the original creditor which is me. Consumer credit reporting is voluntary not mandatory, when we examine 15 USC 6821a ( 2 ), this law states It shall be a violation for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution. SELF INC. LEAD BANK presented a false and deceptive representation of themselves on my consumer report by paying a fee to each consumer reporting agency to report themselves as my original creditor. Too add, SELF INC. LEAD BANK has violated federal code 15 USC 6802, by not issuing the required full disclosure materials to me which allows me to exercise my right to opt out of them reporting any personal private information on my consumer report at any time. When SELF INC. LEAD BANK furnished my private information to all three consumer reporting agencies without written instructions by me, that amounted to identity theft and is a federal violation. SELF INC. LEAD BANK as a debt collector has been acting in the capacity as my creditor and has casually furnished data on my consumer report for over a year at their own discretion, the CFPB strictly prohibits abusive and deceptive behavior such as this. Ive been violated behind SELF INC. LEAD BANKS actions. Please see my attached affidavit which outlines additional violations committed by SELF INC. LEAD BANK. I have included an invoice as remedy for damages sustained at the hands of SELF INC. LEAD BANKS deceptive practices in the event they fail to respond to my affidavit and this complaint in a timely manner.
Consumer complaint received 2021-08-29
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)

Ive been trying to call but I have been unsuccessful with speaking to any one. I would get the automated system and then it will hang up on me. It is fraudulent inquiries on my credit report and I am asking for those items to be removed. I have called at least 5 times with no success of speaking to a live person.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I contacted XXXX  and Equifax recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  reported the information to XXXX  and Equifax . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. XXXX  and Equifax seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to Equifax and XXXX, the letter from the bankruptcy court, and their removal for non-compliance XXXX XX/XX/XXXX I received an email from XXXX  stating they removed one of the public records but the other one remains. Equifax reported the 2 public records will remain. I have sent the letter from the bankruptcy court and XXXX  XXXX which states neither party reported this information to Equifax or XXXX