davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: Client Services, Inc. (IL)

XXXX, XXXX, XXXX, XXXX Bank, and Client Services has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, XXXX, XXXX, XXXX bank XXXX XXXX Client Services has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
Consumer complaint received 2022-07-30
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IN)

A structure fire occurred at my home on XX/XX/2019. XXXX XXXX XXXX is my homeowners insurance provider and US Bank is in charge of the mortgage on my home. The Loss Draft Services department of US Bank was given a total sum of {$240000.00} from XXXX XXXX XXXX. They in turn were given the responsibility of disbursing that money to the contractor/myself. Due to Covid, the fact that my home was built in the mid XXXX 's and required special attention, and my insurance company/US Bank being slow to respond, the process of reconstruction was just completed this past spring. 
The contractor is missing roughly {$29000.00} of the money that my insurance company gave to US Bank to disperse. I have called numerous times and written several letters over the past few months. When you call the Loss Draft Services Department you get a different assistant with each call. You are treated with disrespect and basically called a liar. They are of no help. I have yet to be contacted by a supervisor about this matter. I am to the point of hiring a lawyer to handle this complaint. 
The first few disbursement checks were written out to the contractor and not to me personally so I have no way of tracking those checks with my bank. I can track the final disbursement checks because they were written out to me and I deposited them and paid the contractor. There happens to be a check from US Bank for $ XXXX that I do not recall getting and neither does the contractor. I believe that check could have been lost in the mail since I had to move around a bit while my house was being reconstructed. 
I have asked/pleaded with US Bank to be sent copies of all of the cancelled disbursement checks showing both the front and the back of each check. I want to see who signed for/cashed each check and where the money was deposited. I have yet to be given those checks. They are a bank and should be able to supply me with those copies in a matter of a few minutes. I am still waiting!!! I personally believe they have lost the check and just simply do not want to be bothered with my complaint. 
In the meantime, I am having to either refinance my house or get a home equity loan to make up for the lost {$29000.00} from my insurance company that US Bank had in their possession. Any help/assistance/information would be greatly appreciated. I am at a loss and US Bank Loss Draft Services is not willing to respond or help!
Consumer complaint received 2022-08-30
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. (MI)

I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax is not allowing disputes to be filed on-line. They continue to state, over 30 days now, that they are having " technical difficulties ''. These actions are causing consumers to have incorrect information on their credit reports causing lower credit scores, and thus potentially higher interest rates.
Consumer complaint received 2022-08-30
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. (MN)

In accordance with the Fair Credit Reporting act 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 602 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 2022-08-30
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. (MN)

In accordance with the Fair Credit Reporting act 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 602 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 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Bank : Synchrony Bank in conjunction with TJMaxx. 

I have been charged late fees and interest even though my payments were posted before the due date. In XXXX 2022 I was charged {$65.00} in total fees & {$22.00}. Each time I have had to contact the company to have the fees & interest charges dropped. The last incident ( XX/XX/2022 ) the company dropped the late fee but not the interest charge. Because this has been an ongoing issue, I have since canceled my account. My payments were always made before the due date, I shouldn't have been charged or had to take time to settle the inappropriate business practices.
Consumer complaint received 2022-08-30
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. (AL)

I did not make the inquiries below. I have informed Transunion these inquiries were fraudulent and I have listed them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (IL)

I have closed this account in XXXX, before closing account was zero dollars i didn't owned any single balance to bank. Initially there was a charge on XX/XX/2021 there was a charge {$290.00}, XX/XX/2021 $ XXXX {$40.00}. Both of them were unauthorized charges I did reported to bureaus and bank aswell I did forwarded them police report they have XXXX my credit file. I need my refund back from them asap. I need avant credit card company to fix my credit file which they caused issues.
Consumer complaint received 2022-08-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (VA)

Southeast Toyota Finance repossessed my vehicle while I was XXXX in 2018. My mother had soda im banking power of attorney and Southeast Toyota would not let her make payments on my behalf, resulting in my car being reposeessed. Once I was in port and had the correct internet access and phone service I needed, I offered to pay the past due and towing fees and southeast toyota still refused to accept my offer. My notarized power of attorney was even sent directly to them.
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (FL)

On XX/XX/XXXX, I applied for and was approved for a {$500.00} line of credit through Minto Money. I had a financial emergency and needed quick access to money, but had limited options due to my credit history. 

While I was aware that I'd be paying high interest, I want to report this company for their predatory lending and astronomical interest rate. 

My {$500.00} loan carries a 463.16 % interest rate. My payments have been {$100.00} biweekly. If continue paying via this current pay schedule, I'd be making those payments until XX/XX/XXXX, paying a total {$3200.00}. Seriously??? I understand changing higher interest, but this is just exploitative. 

I have the option to pay the off the loan in full today for {$500.00}, which I'll be doing. However, I'm concerned for other people with poor credit who need emergency funds and have nowhere to turn other than to predatory lenders like these.
Consumer complaint received 2022-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 and purpose
Consumer complaint received 2022-08-30
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. (DC)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from XXXX stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 XXXX XXXX XXXX ( 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 numerous times. 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. As of XX/XX/2022 XXXX mailed a letter asking Bankruptcy to be removed so how is accurate. As well as XXXX has removed from my record.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio Recovery has been calling me about a XXXX XXXX  XXXX XXXX credit card that was opened in XXXX  as a result of identity theft. 

I had a relative living with me that used my information to open this account. I have disputed this several times with Portfolio Recovery and they continue to call. I have told them that I will not pay this and to stop calling. They will stop calling for a couple months and then start calling again in the same cycle. This has been going on for years. 

I have spoken to at least 15 reps at Portfolio Recovery and I tell them the exact same thing. Each time I disputed it comes back as a valid debt but I did not open this account. My aunt had access to all of my information and she did this. I have a police report to show this.
Consumer complaint received 2022-08-30
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. (FL)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX, has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 604 A Section 2, also it states a consumer reporting agency can not furnish an account without my written instruction In accordance with the Fair Credit Reporting Act XXXX, TransUnion, and XXXX have violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy addresses do not belong on my credit report 15 USC 666b states a creditor may not treat a payment on a credit card account under a consumer credit card plan as a late payment for any reason. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I have been a SoFi banking customer since XXXX. 
On XX/XX/XXXX I deposited XXXX checks ( {$920.00}, {$920.00}, {$4500.00} ) via XXXX deposit. On XX/XX/XXXX, {$500.00} was made available, and then they restricted my account, telling me to contact them, which I did and it went to their voice mail. 
On XX/XX/XXXX, I was able to reach someone on their security team that escalated the issue, but didnt offer any timeline or explanation of what was going on. The first XXXX checks also cleared but I was unable to use any of my funds. 
On XX/XX/XXXX, the {$4500.00} check cleared, but then SoFi returned it again without explanation, and my with account balance of {$1300.00} being unable to be withdrawn or used. 
The alert on the account still says to reach out to them as if that will do anything. Clearly SoFi is unable to function as a banking institution with a security team that works on real time, and their restrictions appear unlawful as they are making me wait to access cleared checks, and returning checks that cleared without explanation.
Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION (GA)

I was recently informed by M & T Bank that my home was placed in foreclosure on XXXX XXXX. I told them that the property should not have been in foreclosure because that mortgage had been paid. 

I was told that only {$490.00} needed to be paid in order to bring the balance current. I paid {$500.00} in XXXX that should have brought the mortgage current. M & T Bank did not apply the funds as they were supposed to... instead, they placed the proper into foreclosure. 

The mortgage was being paid every month, but they were not applying the funds appropriately. Which is why the property should not have been place into foreclosure.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MA)

A few months ago I deposited {$10000.00} to my Chime checking account, from a XXXX XXXX XXXXXXXX account in my name. 
The transfer went through without issue. 
Then I tried to use the funds ( transfer to a broker ) and Chime suspended my account. 
Since the I have been stuck in a customer support XXXX wasting hours and getting back automated or scripted replies asking me to send more documents or send documents that they already have. 

I submitted proof to Chime that the funds came from my own XXXX XXXX XXXXXXXX Account. It's clear there is nothing fraudulent here. It's clear that they don't care about resolving critical customer issues reasonably and quickly. I need to pay bills. This is criminal.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I've sent several CERTIFIED letters to the 3 credit reporting agencies EXPERIAN, XXXX, AND XXXX TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORTS, I HAVE CERTIFIED RECIEPTS DATED AS FAR BACK AS XXXX FOR INACCURATE INFORMATION TO BE REMOVED FROM MY CREDIT REPORT SUCH DIFFERENT OF LAST ACTIVITY, DIFFERENT OF DATES REPORTED, ACCOUNTS SHOWING PAST DUE THAT ARE IN COLLECTIONS, STATE LIMITATIONS RAN OUT ON MANAGEMENT REPORT THEY WERE ALSO SENT A CERTIFIED LETTER AS WELL AS XXXX XXXX  ALSO REPORTING DIFFERENT DATES OF ACTIVITY AS WELL AS SEVERAL PHONE CALLS HAVE BEEN MADE PLEASE HELP THANK YOU
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NJ)

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX XXXX : XX/XX/XXXX -XXXX XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

Chime has closed my account after me banking with them for 7 years, i did not breach contract nor did i do anything for my account to instantly be closed ..... 

There are still pending Disputes that need to be resolved that havent. its insane how once i filed a complaint with THe CFPB my accounts gets closed.. 

The closing of the account has put a bad mark on my consumer report which is giving me a hard time to open any other accounts. 

I believe this is wrong and terrible that they will do this. 

i have asked many times for a reason in the closing of my account and no answer has been given.

'There are over XXXX dollars in disputes remain un XXXX. i have submitted all documentation and there is no reason for it to be denied ..... 

they have ruined my consumer report and as well lowered my XXXX XXXX with the early closing of there credit account,,,, which as well gave me a bad mark on my credit report