davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Subject : XXXX XXXX XXXX, Equifax, and XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report. On XX/XX/2024, I submitted a personal information update letter to XXXX, Equifax, and XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/2024, I received a response from XXXX, Equifax, and XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX. 
I believe that XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Consumer complaint received 2021-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MN)

I have a loan with CMG Financial and they collected {$320.00} monthly in escrow for taxes and insurance based on what my taxes were at closing. I am a 100 % permanent and total XXXX veteran so am exempt from the property taxes. The actual tax bill was {$66.00} for the year which CMG paid in XX/XX/XXXX. I requested an escrow analysis but they would not do it until a year into the loan. The insurance was due XX/XX/XXXX and they paid {$1400.00}. They issued me a {$830.00} escrow refund on XX/XX/XXXX. I have called them several times over the last 3 weeks and they are insisting on holding enough funds in escrow for {$2400.00} in taxes for next year. I sent them the letter from the county stating I receive a 100 % reduction in my property taxes. It says on my online account that my payment is going to go up by {$7.00} on XX/XX/XXXX because my homeowners insurance did go up. It should be going down because of the actual tax amount.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

We applied for a mortgage to purchase a property in XX/XX/2021. After, submitting all the required documents, income verification, and so forth, the loan officer at Rocket Mortgage went over the details of the mortgage and informed us that in order to proceed, he would need a {$500.00} fee to lock in the interest rate. The mortgage couldn't proceed without this he said. When asked if the fee would be refunded should the deal fall through, he replied, " absolutely, you will get the money back if that happens. '' So we thought about this for a time and as the rates were beginning to rise, we decided to lock in the lower rate in XX/XX/2021. Everything was going well, and we were almost ready to close last month when the unthinkable happened, my husband lost his job. We were honest and informed the loan officer of this tragic event, and he stated that the loan and closing could not take place. As devastating as this was, we asked him for the fee to be returned to us. He stated we would receive it within 5 business days. Well 5 business days came and went and we checked our credit card statement to see if the money had been returned, it had not. So again we called and finally reached the loan officer who worked with us. He seemed surprised that it hadn't been refunded, he said it should have been by this time. Then he referred us to the Client Relations Specialist who was going to look into this. Then I noticed that he began peppering his words with phrases such as, " what was left over from the appraisal should come back to you. '' You will get the extra amount. '' He never said that before. Besides, the appraisal fee was included in the closing costs, which I have included here, and this transaction never closed. We have no idea what he was talking about. Then yesterday, when my husband called to discuss this with them, they kept mentioning all the costs, the credit report having to be run, and this is often done for free. Yes the appraisal had been done as we were getting ready to close, but then the deal fell through so we couldn't close. We would appreciate you help with this as we really need this money back. We have considerable expenses. It is awful enough to lose this property, but my husband also lost his job and is stressed by all of this and now they refuse to refund our money which they had promised to do.
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2019, I opened XXXX XXXX XXXX XXXX ( ending XXXX ). This card had a XXXX XXXX XXXX XXXX Welcome offer. I met the minimum spend required to receive this bonus. The first statement closed on XX/XX/2019, I earned XXXX points. The second statement closed on XX/XX/2019, I earned XXXX. It has been more than 90 days since I opened this account and none of the points earned were transferred to my XXXX Account. American Express is holding my points hostage, they didn't even transfer the spending points ; base points.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

The following accounts are violating my rights according to the Fair Credit Reporting Act by illegally re-aging my account, which is unlawful. 

XXXX XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Charged off account XXXX XXXX XXXX XXXX XXXX XXXX Date Closed XXXX XXXX charged off {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}
Consumer complaint received 2019-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I been receiving harassing and threatening telephone calls of profane and abusive language, threats of garnishment of wages, being sent to jail, violence and death from XXXX XXXX XXXX, XXXX XXXX XXXX Hospital Debt Collection Representatives for a fraudulent debt of {$200.00} and account thats not my account and is the result of identity theft. The account and debt is a fraudulent account and debt thats from identity theft. Its extremely appalling and frightening to be receiving telephone calls of death threats. I am in fear of my life. XXXX XXXX XXXX, XXXX XXXX XXXX Hospital is in serious and major violation of of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Consumer complaint received 2021-09-21
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: CMRE Financial Services, Inc. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2021-08-09
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: Kentucky Higher Education Assistance Authority (NJ)

I have this account that does not belong to me and i want it to be removed from my credit report. 


1. Identity Theft KHEAA Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2021, I tried to cash a US Government Army retirement check and was denied cashing the check even though I had 12-13 times the amount of the check in my account blaming it on COVID even though the mask mandate was lifted. As a XXXX XXXX I don't see what COVID has to do with cashing a check. At that point I asked to closed both my checking and savings accounts, I withdrew all of my money and went to another bank opened 2 accounts the same day and they cashed my check with no questions. Then a few days later the branch manager called me and asked if I wanted to keep the account open until transactions cleared, I said fine, I did not authorize any further payments on anything. However, the payments continued. Now I have a slew of overdraft fees. Because I made a transfer to pay the overdraft fees and even the payments that I did not authorize, including the the latest overdraft bill, the bank refuses to close the accounts. I attempted calling the branch as well as their main customer service number and all refused to close the accounts.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IN)

This number keeps calling about a family member that does not even live with me. After repeatedly telling them they do not live with me, they continue to call and call all of my other relatives. It is predatory and must stop!!! They are calling on some made up charge for the wrong person even.
Consumer complaint received 2019-09-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX with 30 days late remark on XXXX and XXXX  XX/XX/XXXX with 30 days late remark on XXXX  I also see some inaccuracy on this report so I am making sure that everything is being updated accordingly. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. Thank you for taking this seriously.
Consumer complaint received 2022-10-12
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. (NJ)

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 2022-11-29
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Wednesday ( XX/XX/2021 ), I received a text message from phone number XXXX with the message that " my Chase account was locked due to suspicious activity '' and the link to an website that look identical to Chase website. In that website, I was asked to provide my personal information including my name, date of birth, address, phone number, social security number, driver license number and Chase bank account information. 

On Friday ( XX/XX/2021 ), during XXXX, I was working and noticed my phone was out of service. I didn't think too much and came home at XXXX realized that my email password was also changed at XXXX on the same day. I contacted XXXX find out what happened and they told me that someone transfer my number from my XXXX card to their phone ( IMEI # XXXX ). I was able to regain the access to my email using my recovery email. When I logged in to my email, I learned that there were 2 transactions happened in my Chase bank account : - {$1900.00} XXXX payment to XXXX XXXX XXXX ( Phone # : XXXX ) - {$10000.00} Online Domestic Wire Transfer to XXXX XXXX XXXX ( routing number : XXXX, account number : XXXX ). 
I went to IdentityTheft.gov to report the incident on the same day. 

On Saturday ( XX/XX/2021 ), at XXXX, I went to XXXX Police Department to report the fraud ( Police report # XXXX ). At XXXX the same day, I went to a Chase Bank branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) to report the problem. The Chase man was able to help me change my username and password, close my Chase bank account preventing further fraud, and report my incident to the Chase Claim Department. I contacted XXXX, XXXX, and XXXX  the same day to freeze my credit line.

On Monday ( XX/XX/2021 ), I received the mail stating that there was a new notice, letter on my Chase account. I contacted Chase to open my account and learned that Chase denied my {$1900.00} XXXX Fraud Claim and no further action will be taken on the claim ( Claim # XXXX ). I contacted Chase Claim Department and learned that the XXXX transaction is irreversible, therefore, Chase is not responsible to refund the fraud transaction. Even though I have evidence proving that my email password, phone number and banking information was changed without my consent, Chase still denied my claim refuse to take any further action to look at my evidence. 

I didn't receive any update on the Online Wire Transfer Fraud claim to this day ( XX/XX/2021 )
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am issuing this complaint against TransUnion for withholding a refund from me, forcing me to provide my credit card information when signing up for an account, and ultimately billing my account for a service that I was unknowingly signing up for. 

Background : I unknowingly signed up for a credit monitoring program at TransUnion. I had originally signed up for TransUnion to receive a free credit score using their services provided. When making an account on TransUnion around XX/XX/XXXX, they had asked for my credit card information and signed me up for their credit monitoring program without my explicit permission. I begun getting billed $ XXXX/month every XXXX day of the month starting from XXXX to XXXX. I have cancelled that subscription on my account for TransUnion on XX/XX/XXXX and reached out through their customer service line, XXXX ( XXXX ) XXXX, for a refund payment of those XXXX months. The customer service line tried to withhold the payment for XXXX, but would issue a refund for the other two months. I had asked what services I had used for them to justify withholding a refund for XXXX, but they were unable to tell me. I even mentioned that I only used their free credit score platform during the month of XXXX to which the TransUnion customer service line said I can get a full refund for all three months. I was to receive the refund electronically in 3-10 days starting on XX/XX/XXXX, to which I will be persistent on getting back.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I submitted a mortgage application to U.S. Bank in XX/XX/XXXX to refinance my home, and paid an application fee of {$390.00}. As of XX/XX/XXXX, US Bank was still requesting updated versions of documents that had previously been provided ; as well as documents that aren't possible to obtain. Example : They requested a " bank statement '' to cover a period that ended in the middle of a month. Actual statements are only available following the end of the month period, so I provided a month-to-date transaction report. 
I believe that the persons handling my loan application were incompetent, and the firm as a whole was too busy to actually process my loan, since my approval kept expiring - thus the reason I would have to provide updated documentation. 
I stopped the process in XXXX and requested a refund of my {$390.00} application fee in XX/XX/XXXX. I believe my application was not accepted in good faith and would never have been completed. 
The Loan Assistant XXXX XXXX has responded by email on three different occasions stating that she is working on my request for a refund, but nothing has happened despite my many follow ups.
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The 3 major credit reporting agencies ; XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX Equifax, XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX. XXXX XXXX XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.
Consumer complaint received 2021-05-28
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)

Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to Equifax XXXX  & XXXX  XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason Equifax and XXXX  says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But XXXX  and Equifax are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.
Consumer complaint received 2019-09-20
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. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX XXXX am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.