davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I already have a complaint Case number : XXXX, and waiting for your review. I would like to add additional information to the complaint. I contact XXXX by phone XX/XX/XXXX and spoke with XXXX, who stated that she worked in the billing department. I informed her that XXXX ( floor Leader ) claimed that Certegy contact XXXX regarding my dispute, and XXXX ( floor Leader ) stated that XXXX response was that there was unconfirmed conversation or calls relating to complaint about the product that was falsely advertised. XXXX said anything someone call the customer account is noted, and there was a conversation noted about product that I refused and they try to offer me something else, and I reply I call you back. ( the reason I said I call you back, because the conversation was getting debatable with the representatives because I did not want the services ). I have enclosed copy of statement that show that there was a conversation about refunding. On XX/XX/XXXX a transaction was made for {$190.00} under misleading advertisement, XX/XX/XXXX a refund was issuer for ( XXXX ) and it sat there until XX/XX/XXXX part of ( XXXX ) was apply to account that I never authorize or hear of, why would I order a XXXX Standard SSL, without a website. I do believed if Certegy and XXXX had follow the consumer protection law, I would have avoided, embarrassment, stress, credit denial. I call Certegy after speaking with XXXX at ( XXXX ) and spoke with a lady who claim that she needed my bank account and routing number in order to see if a dispute was made, the lady was quoting the same statement that XXXX ( Floor Leader ) had said, after I told him XXXX ( Floor Leader ) said there was a dispute on file. XXXX ( Floor Leader ) said in the beginning that there was no dispute file but when I told him XXXX ( Floor Leader ) said there was a dispute file, then that when XXXX ( Floor Leader ) starting asking for my bank account and routing number, and every since them all the Certegy representatives starting asking for my bank account and routing number in order to see if a dispute was file, I refused cause I thought it was a tactic that will be used against me for payment. XXXX ( Floor Leader ), XXXX and XXXX never asked for my bank account and routing number they asked for my I.D and the state it was issued to pull my account and to see if a dispute was filed. 
I do not trust Certegy representatives at their call center to handle any of my concern going forward. 

Please add this to complaint Case number : XXXX, already on file
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my XXXX XXXXl account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****
Consumer complaint received 2023-01-24
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. (PA)

I received a copy of my credit report and saw that my social security was incorrected. I called experian to update my information on my experian credit report. The information I requested to be updated was my Social Security. I also requested that I only have XXXX name, there was XXXX currently then I requested only to have XXXX phone number. I also requested to have XXXX address listed on my report also, there was XXXX currently. because credit cards and loan offers are being sent to these other addresses in my name and with the current identity thief crisis, I wanted my information to be reported accurately and correctly. I have called multiple times. I did get my Social Security updated to the current one, all other request was not.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Other fee — 
Company: FIRST NATIONAL BANK OF OMAHA (NY)

First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (ME)

I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.
Consumer complaint received 2018-04-02
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)

Pulled report from Equifax and noted Credit Systems is falsely reporting 2 accounts in collections with inaccurate information. These 2 items was removed from my account over 4+ years ago and now it is reappearing. I was not notified beforehand legally of this collection and this should not be on my report with Equifax. 
I recently ( last week ) filed a complaint on XXXX for the same issue and it was promptly removed after notifying CFPB and now it has appeared on Equifax. I am requesting the 2 negative accounts placed in collections be removed. 
Thank you.
Consumer complaint received 2023-01-24
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. (NC)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-24
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. (CA)

I filed a disputed that the credit report company quickly responded stating a duplicate outdated debt will remain. After escalating the matter, the credit responded stating the debt is no longer collectable and pass the legal statue of limitation. 

However, this duplicate outdated debt that the creditor stated they " legally '' can no longer collect due to it being past statue of limitations still remains on my credit file with Equifax. The credit reporting company REFUSES to remove this invalid information from my credit file, knowing it is a violation, nor have they added a statement saying the debt is past the legal statue of limitation per law and creditor response. The creditor stated they can NOT assist because it is a credit reporting company issue and not theirs.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I had two account secure and unsecured never missed a payment for both, credit score was excellent, paid all my bills on time, I received a decrease on my score, because citi reported I missed two payments three years back which was false so I contacted citi, a rep said they will send me a letter showing that i didn't missed no payments, I waited entire month, so i called again, rep said its been mail give it time i knew it was a lie, so i contacted CFBP, after they were contacted by CFBP the following week my unsecured card was decreased, this was their retaliation because I contacted CFBP, but it didn't end there, they closed my account and I called I was told by a rep that they mailed out a letter, I got the letter three weeks later stating my account closed without any reason, so I called citi card and this time I spoke with management who then told me they don't have to provide a reason, so, I contacted CFBP again and CFBP contacted citi again and a week after CFBP contacted citi and me still paying my monthly payment on my secure card, that account was closed and an email on the citi app and letter stating my accounts are officially closed and I need to unlink my accounts from their app
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Mineola Texas Star, LLC. (TX)

Texas Star and XXXX XXXX was authorized to take out one payment of {$130.00} biweekly on Fridays. Wednesday, XX/XX/2023, Texas Star and XXXX XXXX, specifically XXXX XXXX, took three different payments totaling {$790.00}. Transaction # XXXX {$520.00}, Transaction # XXXX {$130.00} Transaction # XXXX {$130.00}. These transactions were unauthorized for the date and the amount. XXXX XXXX took it upon herself to pay my loan off and drain my bank account without notice. I was behind by one payment. I tried reaching out to XXXX XXXX and Texas Star several times with no answer or response. However, XXXX XXXX reached out a few times and left multiple very rude voicemails and texts messages, but claimed to never receive my texts and calls concerning my payments. This matter was handled very unprofessionally considering the content of the texts and voicemails left, as well as the sudden and unexpected payments taken from my account. I have been very cooperative and on time with all of my payments. When I called to talk to XXXX she was fumbling for words and unsure how to respond. She said they took it upon themselves to pay the loan off in full. I was told the only way to get my money back was to resign for another loan. That was not an option for me considering this loan was so close to being paid off and such a high interest rate. The only reason this was done was to get me to resign another loan so they will have more sales. This whole matter was extremely unprofessional, unethical, and very disrespectful.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXXXXXX XXXX XXXX XXXX I sent a payment ( XXXX money order # XXXX ) via Priority mail tracking number XXXX to Barclays Bank for my credit card, and it was received by them on XX/XX/2023 before noon. 

The Due date of my XXXX statement for the credit card was XX/XX/2023. 

I was still charged XXXX cents for interest charges for a payment made and received on time.
Consumer complaint received 2023-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Skyline Financial Corp. (CA)

XXXX XXXX, ( my mortgage holder at the time ), included information in a billing statement about refinancing with New Leaf Lending ( aka Skyline Financial ), an affiliated company. I contacted New Leaf and was assured by XXXX , the mortgage broker that he was familiar with the subordination clause in the affordable housing community where I purchased my home and XXXX had purchased the loans from the XXXX XXXX XXXX . A good faith estimate with a 4.625 % interest rate was provided which I signed and returned and I instructed the rate to be locked in and XXXX told me he did and that it would remain locked until the loan was funded. Any paperwork that was requested was provided quickly by me during the entire four month process. At the very end, when the loan was to be funded, XXXX sent me a new 'good faith estimate ' with a 5.125 % interest rate with the instruction that I should sign it. I was told that I had already signed a 'good faith estimate ' reflecting that rate. That was untrue. This was completely unacceptable to me and after discussion with XXXX and his supervisor, XXXX XXXX, about their 'bait and switch ' tactics, I cancelled all business dealings. I have all of the documentation associated with this refinance including emails and documents submitted to me and by me if you would like to see any of it. Thank you.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Our business account with Union Bank was closed due to an overdraft of {$150.00}. We are a a new business just starting out and are in the process of finishing our website to start conducting business and in the meantime attempted to connect our external checking accounts to our Union bank business account to keep our business account afloat with the appropriate balances to cover our domain fees, and web services fees until we began generating sales. We received online notices that our accounts werent allowed to be connected. To pay our overdraft fee, we attempted to deposit {$360.00} on Sunday XX/XX/2023 to pay the overdraft and have a balance and the funds were not accepted and thats when we realized our account was closed. We paid the overdraft fee on the closed account, but was unfortunately told that we were reported. It is unfair that banks can just report and close accounts when there are actual attempts from customers to resolve issues. We all as individuals and partners have active and good standings with our other banking institutions. We are now being held in a position to have our otherwise good standings questions when we attempt to open a new business account. We truly want to have this damaging notice/reporting cleared for a minor issue. Thank you so much
Consumer complaint received 2023-01-24
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. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-01-24
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. (CA)

I started a dispute in XXXX regarding inaccurate information on my credit report. Tried to dispute the items and the Company replaced the negative information with different negative information and I disputed that information and they removed the negative information and replaced it with the original negative information that doesn't belong to me, these creditors never had a relationship with me. 15.US Code 1681i ( 5 ) ( b ) : Reinsertion of deleted Item, 15 US Code ( 5 ) ( a ). Accuracy. Both Codes refer to my situation and according to the law these inaccurate items should be removed from my credit report.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-02-28
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX ( XXXX 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 an account without my written instructions.

15 U.S.C 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 2023-02-28
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX ( XXXX XXXX XXXXXXXX ), 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 an account without my written instructions.

15 U.S.C 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 2023-01-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 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 2024-09-04
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. (GA)

Consumer name XXXX XXXX ss # XXXX doa XX/XX/XXXX Thus cfpb complaint is has been filed to request pursuant to the FCRA 605B ( 15U.S.C 1681c-2 ) that you, the Transuion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX # XXXX, XXXX  XXXX reported XX/XX/XXXX XXXX # XXXX, XXXX XXXX  XXXX  reported XX/XX/XXXX, XXXX XXXX reported XX/XX/XXXX XXXX # XXXX, First premier reported XX/XX/XXXX acct # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer accounts, collections, and hard inquiries are the result of identity theft and fraud.