davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (GA)

I've sent XXXX, Equifax, and XXXX multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (MO)

The following are scam transactions XXXX, XXXX Online Store XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Online Payment Fraud, 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 are all sc ams either by local criminal suspect XXXX XXXX XXXX in XXXX XXXX , MO XXXX , USA scam mers, and overseas scammers. Some are on line payment fraud where deposit was was made then withdrawn before deposit funds were rejected. XXXX XXXX  - Lost and Stolen Fraud refuses to cooper ate, to provide documentation requested, and to properly trace down scammers. In addition, push back to XXXX XXXX rather than work with us to provide necessary documents to track down the se scammers through legal authorities.We suspect someone at XXXX  ( now XXXX XXXX XXXX XXXX XXXX ) ( XXXX -- XXXX ) and XXXX XXXX XXXX ( XXXX ) to be some of the scammers. In addition I have traced some transactions to XXXX. Without cooperation from XXXX, we can not co mplete documentation to resolve and find scammers. News Release XXXX XX/XX/2020. The Office of the Controller of Currency ( OCC ) took actions based on the bank 's unsafe or unsound ba nking practices for its long-standing failure to establish effective risk management and data govern ance programs and internal controls. This failure also resulted in a violation of 12 CFR Part 30, App endix D, " OCC Guidelines Establishing Heightened Standards for Certain Large Insured National B anks, Insured Federal Savings Associations, and Insured Federal Branches. '' The agency also issu ed a cease and desist order requiring the bank to take broad and comprehensive corrective actions to improve risk management, data governance, and internal controls. The bank senior management and the bank 's board has not made timely, sufficient progress in complying with the order. As a res ult of the unsound baking practices overseeing fraud and scams, the bank has turned to collect fro m consumers for their massive failures of effective risk management and internal controls. The OC C should order XXXX to cease and desist these practices and demand changes in leadership. Specifi cally in the case of this complaint demand XXXX cease and desist for their failures as established in t he OCC complaint with any further actions regarding XXXX XXXX. Further demand XXXX cease and desist harming consumers credit and correct XXXX XXXX ( and other harmed consumers ) credit reporting to " pay as agreed ''. 
XXXX has not made written contact since XX/XX/2020. This dispute is closed and to be reported to credit agencies as " Paid As Agreed ''. XXXX failed to respond in a timely manner as set forth in the correspondence to them and as a matter of law.No further responses to this matter will be made to any agency regardless of demands in correspondence, threats, and regardless of operation of law of any kind.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MN)

XX/XX/XXXX. I was instructed by my employer to send a client down payment to our supervisor via wu. It turns out this money was paid with a fake check and my bank is holding me responsible for the missing money. My employer tricked me into this and I have an active police report. Western Union and XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021, I filed a dispute withExperian about the unverified XXXX  XXXX  Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OH)

Some charged various purchases to my card from various places and I filed a complaint with the company and they continually give me the run around and tell me my case is closed and will not refund my money even after filing a police report and sending it to them.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (OK)

XX/XX/XXXX - Mailed 2 money orders XXXX - XXXX XXXX - {$300.00} XXXX - Cardmember Services - {$300.00} XX/XX/XXXX - Found out both had been stolen & cashed. 
XX/XX/XXXX - Mailed complaint to Western Union along with a check for {$30.00}. 
Requested Copies - Never Received - Called & they emailed them the next day, I called them & told them it was fraud, Western Union said they would mail me fraud claim forms, which they could not email. 
XX/XX/XXXX - was told the forms had been mailed on XX/XX/XXXX. 
Today is XX/XX/XXXX - I still have not received the forms.
Consumer complaint received 2022-10-08
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. (OR)

In my recent attempts to correct - incorrect and illegal reporting methods to Experian ; they have failed to fully investigate and abide by FCRA regulations. I wrote in on XX/XX/2022 in request to investigate two accounts reporting on my credit file. 

The accounts are XXXX and The XXXX XXXX XXXX In response on XX/XX/2022, Experian concluded their investigation without fully investigating. I asked for a reinvestigation on XX/XX/2022, I received the same response on XX/XX/2022 - updated account. In my 3rd attempt to resolve the complaint I responded to The XXXX XXXX investigation on XX/XX/2022 and XXXX  investigation on XX/XX/2022 - XXXX then demanded the XXXX accts be deleted for illegally manipulated the statute of limitations. I demanded The XXXX acct be deleted for reporting a past due balance as a collection acct. I received a response from Experian on XX/XX/2022 notifying me the accounts was updated. 

Each time the XXXX account was investigated the account scheduled to stay on report changed and concluded ALL their investigations with an updated acct reporting history. Also, this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

The XXXX XXXX acct I am demanding to be deleted due to it being reporting incorrectly this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

I have all letters I sent to Experian and the response to each complaint. I will also submit proof of the inaccuracies I asked to be to removed.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX, and Experian continuing to report inaccurate information. 

They have multiple accounts that show still open yet in collection and have recent payment history, yet I have never had such accounts and no proof of documents with my signature were provided, how is this continuing to be report? I request and demand that they are deleted from my credit profile. 

This is my third attempt in attempting to remove inaccurate accounts and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validate this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (PA)

I recently purchased my first home with 20 % down. The home is a re-sale ( not new construction ) and has tax abatement with 7 years left. Although I am not required to ( per my loan agreement ), I am currently being charged monthly escrow payments. I did NOT request this. The issue is that these MONTHLY escrow payments ( $ XXXX/month ) equal close to a FULL YEAR 's worth of tax expenses ( $ XXXX/annually ). Again, this is a re-sale so there are 3 years worth of tax payments and history ( from the previous owner ) showing that the annual tax totals $ XXXX/YEAR. However, Better Morgage Corporation is currently charging me $ XXXX/MONTH in escrow IN ADDITION to the {$4500.00} I have already paid as an initial escrow payment at closing. As outlined in section 1024.17 ( C ) this is far in excess of " an amount sufficient to pay the charges respecting the mortgaged property, such as taxes and insurance ''. I have reached out to Better Morgage Corporation ( lender, who estimated the escrow amount ) via email making them aware of this issue. They responded with the following : " Property taxes taken 1.5 % of the purchase price for monthly impounding for a specific PA property. The property was built in XXXX however when the tax amount is lower than 1 % of the purchase price, these are the guidelines we follow. The purchase price is {$480000.00} and as per the tax certificate, THE TAXES PAID ARE ONLY {$900.00} which is 0.189 % of the purchase price. " ( email communication received XX/XX/XXXX ) In short, Better Morgage Corporation acknowledged that the historical ANNUAL taxes for the property total {$900.00} but are charging me far in excess of that amount anyway. 

Additional Information : Lender : Better Morgage Corporation Settlement Agent : American Legal File # : XXXX Interim Loan Servicer : XXXX XXXX XXXX ( Loan ID # available upon request ) next payment XXXX Future Loan Servicer : XXXX XXXX XXXX Loan ID # available upon request ) next payment XXXX
Consumer complaint received 2022-12-19
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I booked a pool cabana with XXXX XXXX in XXXX for my visit on XX/XX/XXXX. The weather has been crazy this year and it was raining that morning with no sunshine and continued rain. I submitted a cancellation policy and was told they are working on a refund, 3 months later no refund and no more responses. I then filed a dispute with Wells Fargo on my XXXX XXXX. At first, they did not look into the issue. I had to call over 30 days later because I kept receiving automated emails that we are working on your request. When I called they were thankful because I supplied details ( as mentioned, raining, no sunshine and nobody could use the pool ). Wells Fargo took over 3 months to respond and told me that it is the merchant cancellation policy although it is a XXXX. I've never been treated like this with any purchase, especially one I cancelled and showed the thread of responses to say cancel, we can't use the pool today.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX, XXXX, and XXXX XXXX have all resolved my current debt and I have the checks that was cashed. I sent proof to all the credit bureaus and they will not remove it. I also will attached the checks as well.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX This account has been charged off and sent to an outside collection agency. I have asked numerous times for the said company to send me a Debt validation letter to show the amount of said owed account. This company has never done so. I do not owe the amount shown on this account is reporting frivolous. I'm asking for my credit bureaus to be updated, removing this from my credit report immediately. 

( copy of the letter sent to the creditor ) This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation, '' that is, competent evidence that I have some contractual obligation to pay you.
Consumer complaint received 2021-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NJ)

My secondary loan is in default, we were struggling to pay due to loss of job and income, now we are back on our feet and the company that bought the loan has ballooned it to double the amount it was XXXX not it is XXXX they have filed a foreclosure complaint against us and we are working to resolve and they will not budge, I have paid a lawyer to help mediate but they are saying we owe the whole amount and are being very persistent. We have XXXX children and I do not want to lose my home, I am looking for a reasonable solution. the last company that bought this account was willing to settle for a much lower amount and now that the new company bought the loan they will not accept the lower amount because my house has equity. Is there help or a program during this time?
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX
Consumer complaint received 2022-09-26
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. (MI)

In accordance with the Fair Credit Reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


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 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than recods of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Concern a Citibank credit card. On XX/XX/XXXX. XXXX I reported my XXXX XXXX XXXX credit card lost. Citibank cancelled the card and issued a new card. On XX/XX/2023, I spoke to an employee ( XXXX XXXX of Citibank who advised me that it is their policy not to allow automatic charges from the old card to be transfered to the new card, and that I should contact vendors who had been automatically charging the old card, and give them the new card information.To my surprise, the company XXXX which had been charging the old card, was allowed to continue charging the new card. I contacted Citibank and spoke to a XXXX who told me that they will reverse the {$33.00} charge on the new card statement. The charge was not reversed, and Citibank proceeded to levy a late charge of {$30.00}. On XX/XX/2023, I closed the account, which I held for 32 years. The {$33.00} has now with the addition of late charges grown to {$140.00}. I have no intention to pay what I do not owe. At age XXXX years, I have seen the likes of Citibank evolve from predatory to parasite, particularly on the defenceless consumers left to their mercy by government bent on protecting our free market capitalism. I have no problem with the world seeing my information and my complaint.
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Equinox Home Financing, Inc. (TX)

Equinox Home Financing Inc. continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " No out of pocket expenses ; Minimum score of XXXX '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.
Consumer complaint received 2022-04-06
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: BARCLAYS BANK DELAWARE (GA)

Hello, This email is a follow up of my complaint # XXXX. As per your correspondence, I did receive a letter from Barclays XXXX credit card giving me a statement credit of {$100.00} that I should have received back in XXXX, XXXX. Because it took 6 plus months to give me a statement credit that was rightfully mine, a balance was outstanding on their credit card for the entire 6 plus months. But more upsetting is that, because of their lack of giving me the statement credit back in XXXX, and because since then their were " unpaid balances '', my credit rating went from XXXX to XXXX! In looking at the credit report, I now have a " late payment '' listed. I called Barclays XXXX on XX/XX/XXXX, When I called Barclay, they told me they were " looking to collect a debt ''. After going back and forth with them, they then credited me the statement credit against the payment, which then became a XXXX balance. 

So now after 7 phone calls since last fall, it took a complaint from the CFPB to finally issue the statement credit. However, now I am left with a tarnished credit report. 
XXXX needs to correct this error as soon as possible.