davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/19 I paid the last payment of the loan. On or about XX/XX/19 I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/19 therefore interest owed was {$8.00} which was due XX/XX/19. I paid the requested amount of {$8.00} on XX/XX/19. The loan Co. did placed the payment for XXXX XXXX XXXX ) and did not credited it for XXXX XXXX XXXX ). The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.
Consumer complaint received 2023-01-14
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. (MA)

Dear Cfpb ; XXXX ; XXXX ; Equifax ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Consumer complaint received 2022-10-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2019-03-31
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 is refusing to rectify incorrect data in my credit file with them. Dispute correspondence is going on for over 2 years. Credit Grantor failed to respond, but Equifax willfully maintain wrong data in my Credit File. In XX/XX/2018, I have made multiple attempts to correct this issue. Spoke to a Representative, who responded : " Go to XXXX, We keep the credit score low, whereby we get more business, that is our business, and so on ''. See attached correspondence, which are self-explanatory. Credit Report shows " Reinvestigation in progress ; 30 days late, and low FICO score ''. In addition, they make it extremely difficult to provide credit report to enquirers. I was unable to get credit approved as well as deserving interest rate for Car Loan, Mortgage. I was unable to get an Internet Cable connection, as Equifax refused to provide Credit Report to them.
Consumer complaint received 2022-10-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (SC)

Chargeback on account and dispute has been going on since XX/XX/XXXX. I disputed an charge with XXXX XXXX due to the product balding even though I did not wear it on XX/XX/XXXX. I received a chargeback on my account XX/XX/XXXX and I called explaining the situation once again and got temporary credit because the {$180.00} was taken out of my account as soon as I got my pay check. A letter was sent to my old address ( I updated it on the app beforehand but it got sent to an address I havent lived at for 3 years. ) and I was told by an agent that they didnt have enough proof in XX/XX/XXXX, I sent emails and photos of the hair. I was then sent another letter asking for more proof, confused I called them again and was told by another agent that the case was closed and that the images I sent were received. The images I sent were of the emails I sent on XX/XX/XXXX and XX/XX/XXXX ( to two different emails that I was provided with by chat ) explaining that the wig was balding. Their refund policy states that they will not provide a refund if the wig is used which includes even brushing the wig. I disputed with my bank because I received no response from XXXXXXXX XXXX, I sent clear pictures and I had owned the wig for less than a month as I purchased the wig XX/XX/XXXX. I received a letter saying XX/XX/XXXX saying there will be ANOTHER chargeback on my account as the merchant sent an email to me in XX/XX/XXXX that I told them that I sent them an email and they didnt reply and the merchant also sent receipt, as well I already stated the issue to them and I stated it again in my reply. They asked for pictures that I HAD ALREADY SENT. Im very frustrated as the merchant was not being honest and Wells Fargo keeps holding the case for months and chargebacking my account.
Consumer complaint received 2022-10-05
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: CarMax, Inc. (IL)

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

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-14
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. (DC)

I have acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which XXXX and Transunion did not modify or remove anything. 

The date is not correct, last active is not correct on all three credit reports, date of late payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how they have violated my rights.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I have tried to dispute a wrong address with experian online. When I pick identity theft for the reason of a wrong address they give " That reason can't be processed online. Please contact us by phone for assistance at XXXX '' This number goes to a recording with NO help and ends up terminating the call. There is no menu choice to deal with identity theft.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I purchased a XXXXXXXX XXXX. Due to the XXXXXXXX XXXX being discontinued, I was issued a refund of {$100.00} on XX/XX/XXXX to my Chime bank card ending in XXXX. The refund was issued to XXXX, who then sent it to my bank. The account associated with the card ending in XXXX is still active, but the card itself is inactive. 

I contacted XXXX to try to trace the payment, as I had never received it, and they provided a transaction id. I then contacted Chime to trace the payment and have been trying to resolve this with them ever since. They have told me various times that they have no record of the refund or even the original transaction, even though the original purchase is viewable on my Chime portal. I have asked by phone and via email for assistance and have been told they will not/can not assist. 

Additional background : Another refund from XXXX for {$19.00} was sent in XX/XX/XXXX, and that went through with absolutely no issue ( for the same card ). 

The attached email is one of many, I have been pleading with Chime to find this refund for over a month.
Consumer complaint received 2023-01-14
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. (TX)

In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX section XXXX A.States that I have the right to privacy. 

15 U, S.C 1681 section 604 A section 2.It also states that 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 records of convictions of crimes with antedates the report by more than sever 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXXXXXX XXXX The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of $ XXXXHas 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I had sent an email to XXXX  requesting information today XX/XX/XXXX very early in the morning when I couldnt sleep. I stated that I am interested or want to apply for their Card with Rewards but wanted to know if they did a soft pull or hard pull on your credit report and then if it was a soft pull would it be a hard pull once I actually applied. The first email they sent explained that I recently checked rates on a partners site but that they couldnt provide me with a loan because. Well the first listed too many requests and my credit report doesnt list any hard pulls so they must be talking about soft pulls which doesnt effect my credit score. I never applied for the actual card and so I called them and they even have an old address listed so this mornings denial was using an old application and I did not approve of. I know soft pulls dont hurt credit but this seems to have hurt my chances with them and in fact another reason was too many revolving accounts and too high of balance on those accounts. When I called he also said I must have applied because they wouldnt do that with an email. But they did and then AFTER the call at XXXX they sent the email actually responding to my email. So I know in fact they put through an inquiry without my permission and XXXX- I never fully filled and hit accept on any application with them today ; 2- it was incorrect information regarding accounts I currently have ; 3- wrong address which I know I wouldnt have typed in ; 4- I want no inquires if possible unless I know I will for sure get it now that I know soft pulls can also be seen. I have now locked my credit report ( as of tomorrow ) but dont want you not to have access so I this is an official dispute with Upgrade and they wouldnt even listen or inquire why or how this application supposedly appended so I am writing to you. Thank you.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (MN)

the atms that are supposed to be releasing funds to a team of mine are actually being used by a separate team and they are being funded by releasing the maximum amount then letting the remaining amount get put towards further down the line projects or settlements
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NC)

I had an auto loan with Ford XXXX for several years ( XXXX ). I paid this loan off in XXXX. I recently pulled my credit and realized that Ford is reporting several XXXX and 90 day late payments when this is not the case. I had one incident in XXXX when I had restructured my loan as I knew there was a job loss and was approved for this. I was told the car payment would not be reported late during this time. I contacted ford and received a print out of all payments including days late etc. This print-off shows XXXX payments with 30 day late payments. I inquired with Ford multiple times to fix this and was directed to go through a credit dispute process. I have disputed this and Ford will not correct. I have been stuck in a circle with no resolution and a suffering credit report that is preventing me from getting fair rates in general, but most importantly, a home loan. The mortgage rates have now raised while I deal with this issue and, as a result, we will experience a MUCH higher mortgage payment. This has impacted me in several ways and I'm very frustrated that Ford will not do accurate reporting and has tasked the consumer with fighting this.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are credit inquiries that I don't not recognize on my consumers report & I would like them to be removed immediately. These companies do not have my hand written consent to authorize any type of inquiry on my consumers report. 

I have called TRANSUNION about this matter and the representative gave no knowledge on the future steps.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

Re : XXXX Reference complaint had to do with truest selling my information to a third party. I received another solicitation. This one has the Truist logo, being used by XXXX of XXXX, and the papers tell me they can deduct a monthly premium from my bank account, and it appears the third party XXXX of XXXX already has my bank account information. See attached photo.
Consumer complaint received 2023-01-14
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. (OH)

Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and Credit Agencies, TransUnion, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/22, I called Amex customer service to request a potential upgrade for my Amex Hilton XXXX card. Upon communication, the customer service representative was able to confirm that I have this upgrade offer in my account, which is spending {$1000.00} in six months to get XXXX Hilton bonus points. So, I accepted the offer and upgraded to Amex Hilton aspire. 
The next day, I followed up with the customer service representative through Amex 's website chatting function. The representative said they needed to investigate my upgrade offer and see if I still qualify for it. A month later, when I followed up with Amex again as of XX/XX/22, they informed me that they had finalized the investigation. First of all, Amex has never reached out to me, neither by phone call, email, or letter, informing me that my case is finalized. Second, the customer service wrote to me ( see attached screenshot ) that " we know that you really wanted to get the upgrade offer and as we have validated thoroughly with the help of our investigation team and they found out - as they reviewed all of the accounts, there are no call request that can support the upgrade but they found out that the upgrade was placed online. '' The investigation is conducted based on inaccurate information then. I upgraded by calling Amex, not online.