davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
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. (FL)

on XX/XX/2022, I sent a letter to the US Bankruptcy Courthouse in XXXX XXXX, FL asking if they report XXXX  XXXX bankruptcies to the credit bureaus and I received a letter from the courthouse stating They do not report or transmit any bankruptcy court records to Credit Bureaus. If so, how did the Credit Bureaus verify my bankruptcy as 100 % Accurate. A fair investigation was never done in accordance to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights many times over.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

This complaint is about Wells Fargo handling of escrow accounts for property tax & home insurance. After many problems with my escrow account, I tried to have my escrow account cancelled, which would allow me to pay my own tax & insurance. I was told by the customer insurance representatives of Wells Fargo, that it is a requirement of the VA to maintain the escrow because I have a VA loan. I contacted the VA which told me this was not true. The VA stated they do not require property tax & insurance to be escrowed. I called Wells Fargo back, and when they tried to tell me the VA story again plus send false documentation for their claim, I stop them and told them I had been in contact with the VA. That's when the Wells Fargo representative changed the story and said you are right the VA don't require the escrow but it really XXXX XXXX who require the tax and insurance to be escrowed. They whished they could help but there was nothing they could do. They offered to send the documentation to support their claim again. I Then started a day long search to get a good number to XXXX XXXX and a contact person. It was hard but I finally found it. I spoke with XXXX XXXX contact person on mortgage loans. He informed me that It was not true, XXXX XXXX do not require escrow accounts for VA loans. he gave me the article which says they do not require escrowed accounts. Long story short I called Wells Fargo back with this information. This time they said I had to submit a written request and include the article which I did. This time Wells Fargo said, they will not cancel my escrow so I can pay my own taxes and insurance because THEY DON'T WANT TO. My question is why all the Misinformation & false documentation about the VA & XXXX XXXX to back up there untruth about escrow accounts. I still would like my escrow account cancelled so I can pay my taxes & insurance in a timely manner. I would Like other consumers to know NEVER escrow your taxes and Insurance in a home mortgage with WELLS FARGO.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-06-15
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-17
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. (FL)

on XX/XX/2022, I sent a letter to the US Bankruptcy Courthouse in XXXX XXXX, FL asking if they report XXXX  XXXX bankruptcies to the credit bureaus and I received a letter from the courthouse stating They do not report or transmit any bankruptcy court records to Credit Bureaus. If so, how did the Credit Bureaus verify my bankruptcy as 100 % Accurate. A fair investigation was never done in accordance to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights many times over.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

Since XX/XX/XXXX, I have tried to communicate with Citi regarding the high fees of my credit card ( 19 % ). I explained that I am retired, very ill with serious medical issues and billing, living only on social security income and have been a loyal member with no issues since XXXX. They informed me that I should call after the holidays to request a lowered interest rate. Then COVID19 happened and things became very dire for me and my family. Job loss of  relatives who would help with my bills and so many other issues. I called Citibank every day the week of XX/XX/XXXX and was placed on hold for 2 hours each day. The calls would automatically end every time after waiting for two hours. I called early morning, late at night - and throughout the day hoping to get a slow time. I went on the website, communicated with the automated thing and received another number to call. But it was the same result - hang-ups, or " we can't help you, call this other number. '' I called the other number and long wait times. I went on the website again and requested assistance due to COVID. They said they would contact me after 7 days. They have not done so and I have been making weekly calls and messages on the app or website ( one or a combination of the other ). This has been abusive. My bill is now three times what it was previously and I can't pay. I am XXXX years old. Help!
Consumer complaint received 2020-06-25
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have submitted several letters to XXXX, XXXX and Equifax Credit Bureaus to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I was charged {$13.00} in interest for the months of XXXX and XX/XX/2020. I sent a request by mail disputing the charge and received a response stating the validity of the late payment fee. To my knowledge I have never been late on a payment nor received a late fee. 

I did however receive two separate charges, totaling {$13.00}, for interest charges which I would like refunded. 

XXXX XXXX
Consumer complaint received 2019-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (DE)

I opened an XXXX XXXX account with citi, and provided full instructions at opening time itself on how to transfer funds to the Savings account. Trial verification deposits were made by Citi to my XXXX XXXX account and then withdrawn as expected. 
When I tried to login to my new Savings account, Citi 's absolutely website does not allow me to do ANYTHING with my new Savings account ... can't change ATM PIN nor allow me to validate/confirm my external Savings account. SO after trying to manage this across 3 computers and 4 types of web browsers, I call Citi who make it so IMPOSSIBLE to talk to a human being for a Savings account ( they actually don't even have a Savings acct option in their phone systems ) ... the rep tells me that I need to create a new profile to login and use my Savings account. I go and try to do that, and am again blocked by Citi 's site from doing on. So I go to Live Chat and they tell me unlink the Savings from the current web profile. I do that and then try to register for a new profile for Savings alone and the not-helpful at all website again blocks me saying I can not create a new profile for Savings. So I call in to customer service and they are simply not helpful and disconnect the call ... worthless service there too at all channels. All this was done so that Citi can charge an honest citizen the fees by not allowing me to deposit the requisite amount in time.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AL)

This info provided i not can not find and have used disputes to locate and bring to attention of Hippa violation for info provided was not written and I did not provide written permission. XXXX : XXXX request that this and all medical related inquires be deleted and not just removed.
Consumer complaint received 2022-07-18
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. (CA)

I have a loan with XXXX Bank and XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX at or about XXXX XXXX, a call was placed to American Express customer service to request a lower interest rate. Spoke to a person whose name XXXX ( person had an accent not completely sure ) who suggested I change from the American Express Blue to the American Express Every Day Card. I agreed on the condition that I could get a lower fixed rate. Was offered 16 %, requested lower. Person explained that interest rate would be a particular plus price. The next offer was 14 %. Reiterated that I was looking for a fixed rate. I was assured that the new interest rate on the new card would be 14 % fixed as this was my condition to change my card to the Every Day Card. Based on this information I agreed to change from American Express Blue to American Express EverDay. Knowing this call was recorded I went over the terms of the card several times. At the end of the transaction all parties were in agreement that the interest rate would be fixed at 14 %. Received the first bill, int rate was as agreed. Upon receiving the second bill, interest rate was now 14.25 % not the terms I agreed to. Complaint filed in XXXX. reiterated the agreed upon terms. The matter would be researched, tape of telephone conversation would be reviewed. Was offered XXXX credit to compensate for the rise in interest rate. Called back on XX/XX/XXXX to check the resolution and was told to call back in another week. Called back on XX/XX/XXXX. XXXX stated that there was no complaint, he explained that he prime rate increased, interest rate can not be fixed. Explained that was not what I was told when I agreed to the new card. I was assured that the interest rate would be 14 % fixed. He then verified that a complaint was filed and closed on XX/XX/XXXX with no resolution. Requested the termination of my account as this was not what was agreed to. I was assured 14 % fixed and expected American Express to honor the agreement on XX/XX/XXXX. Called was transferred to XXXX to close the account. She set up another complaint stating the tape of the phone call would be listened to to determine if I was told the interest rate would 14 % fixed and in which case they would honor the promise. She explained that the customer service made his statements in error based on my complaint. I told her this was supposed to be done back in XXXX. Requested I call back in 5-7 business days to check on the resolution. On XX/XX/XXXX, called and spoke XXXX. Tape was listened to, there was no error. Once again attempted to explained how interest is tied to the prime rate. Asked her to stop her explanation as I stand by what I was told on XX/XX/XXXX and that my account is to be terminated. Any and all charges were to cease immediately.
Consumer complaint received 2020-06-26
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. (IL)

Experian, XXXX, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX  and Experian and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.
Consumer complaint received 2019-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

I've been in the process from closing on a refinance with XXXX XXXX XXXX. Part of the refi includes paying off my TD HELOC ( account # XXXX ). XXXX XXXX XXXX and I have made several attempts to obtain a pay-off from TD Bank and TD Bank has refused to send me or XXXX XXXX XXXX the pay-off. As a result, I've been unable to close on my mortgage refi with XXXX XXXX XXXX. I stressed the importance of this when I spoke to TD Bank on XX/XX/2019 and was told a pay-off would be faxed to me at XXXX. 

This is the second compliant I have had to file concerning TD Bank. I feel that they are deliberately making it difficult for me to pay-off my HELOC and close on my mortage with XXXX XXXX XXXX. My previous CFPB complaint also resulted from general payment issues to TD Bank. XXXX was the last person I spoke at TD Bank Mortgage Servicing ( at XXXX am on XX/XX/2019 ) who again gave me the run-around saying a " request '' needs to be submitted to the " Pay-off '' department in order to obtain the pay-off. This was the SAME story given to me on Monday, XX/XX/XXXX and the fax was never received.
Consumer complaint received 2020-06-25
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. (KY)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possibleXXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}
Consumer complaint received 2020-06-25
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. (HI)

I call Experian to Dispute this account ... And I requested Mov. Send letters Told them this was a fraudulent account. I sent them the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. He said yes. This account is a charge off account but contains a late monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance delete immediately I have full faith in Experian to be an outstanding model company and will protect my rights under the FCRA, please delete This immediately ... XXXX XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

Citibank 's practices are egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. 

I, luckily, am not one of those families. However, I have an account that has always had a XXXX limit. When going to pay my last bill I noticed that I no longer had XXXX ... I had XXXX. Literally {$60.00} dollars over what was currently being charged. They lowered my account for NO reason - no missed payments EVER - I'm always on time. This in turn lowered my credit score because it showed I did not have as much credit available as I previously did. It makes it look like I am utilizing all of my credit!

Citi is HORRIBLE and the way they treat their customers should be screamed from the mountaintops! 

Not only did the above issues arise but I had several bills set up to be paid on that card and once they UNKNOWINGLY to me cut my limit down to 11 % of what it was - I missed payments.