davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (NY)

I bought a car from XXXX XXXX and after having the car for just over a year it broke down. The engine blew and I took it to the repair shop that they told me to have it taken to. They refused to warranty the engine because it needed specialty work completed. I told then to pick up the car from the shop. They never picked it up and as far as I know its still at the shop over 6 years later. I haven't made a payment on this account since XXXXXXXX XXXX XXXX, but they keep reporting it as if its still open and it makes my debt to income ration wrong.
Consumer complaint received 2024-11-26
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IN)

In XX/XX/XXXX, I entered into an agreement with Home Depot ( HD ) to install new kitchen cabinets in my home. I also purchased new flooring and plumbing supplies to complete the kitchen remodel, at an approximate cost of {$22000.00}. At the time, I utilized an advertised 24 Month Deferred Financing Offer by HD ( No Interest If Paid in Full Within Promotional Period ). As I proceeded with the project installation, I continued to make regular payments to my HD account, of approximately $ 180 monthly payment. 
By XX/XX/XXXX ( 24 Months later ) HD Statement showed an added interest charge of {$15000.00} for a total of {$32000.00} for the original project. My new minimum monthly payment due would now be {$1000.00}. This represents an XXXX % increase in my overall due balance, and a minimum monthly payment increase of XXXX %. 
As high as this new minimum monthly payment due sounds ( $ XXXX. ), it would still take me over 32 years to payoff the new balance. I have been paying this higher minimum monthly payment since XX/XX/XXXX, but I know this is not sustainable, since this is equivalent to the mortgage payment on my current house. I can not possibly continue on this path of a downward consumer debt spiral. At the time I entered into this agreement, there was no indication that this would explode into such an out of control interest rates and fees, dwarfing the original {$22000.00} home improvement project. I feel that HD misrepresented this program and did not run me through the numbers so that I would have the opportunity to decline, find alternative financing, or bail out of the project all together. I am asking for your help. 
Thank you for your help!
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I made Several attempts to Experian, XXXX, XXXX remove the Bankruptcy off my credit report. it showing that I filed a XXXX XXXX  with i didn't. and XXXX XXXX  I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.
Consumer complaint received 2022-12-07
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 (NY)

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 my privacy.

15 USC 1681 Section 604 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 purpose.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Several demands over the past XXXX  and you are still reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer.

Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (NC)

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  -Acct # XXXXXXXX XXXX XXXXAcct # XXXXXXXX XXXX XXXX-Acct # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, and XXXX XXXXAcct # XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Dear Ombudsman, I have a complaint that seemingly can not be resolved with customer services for my Barclaycard. 

I paid for a XXXX XXXX XXXX XXXX XXXX- on my XXXX XXXX That XXXX card was then hacked and I replaced it with the barclaycard in question, uploading the details of it to my XXXX account. 

I was then rebated {$610.00} on my transaction from XXXX, and they placed a credit on the card on file - the barclaycard. This transaction occurred on XX/XX/2022. Receipt attached. 

I have never received this credit, despite over 2 months of asking for it and following all protocol from Barclays. 

I spoke to customer services reps several times on the phone from XX/XX/2022 and went into great detail about what happened. I was recommended to write to Barclays at the " billing disputes '' dept with paper evidence of the transfer. I sent them : 1. the receipt for the transfer showing that the credit had occurred on XX/XX/XXXX from XXXX XXXX my barclaycard, 2. the statements showing it had not been credited either to the new XXXX XXXX XXXX XXXX, 3. a covering letter explaining that the money had not been debited first as a purchase from XXXX  on the barclaycard, so this was not really a billing dispute but a missing credit. 

I received no reply in a timely fashion, so called again several times between XX/XX/XXXX - XXXX and asked to speak to a manager. I call XXXX XXXX XXXX XXXX and I was told that this had been referred to the wrong dept and was not a billing dispute, and I am told this every time I write or call in. Each rep apologises on the phone for this truly awful service, but no credit has given. Case no is XXXX. 

Although they quote this case number over the phone, when they wrote to me again recently to tell me AGAIN it was not a billing issue and they could not credit the money to my account because of that, they quoted this reference number : XXXX XXXXXXXX. 

They also verbally take no liability for not receiving the money, if this is what happened, saying this is XXXX 's liability. XXXX say they are liable for sending the money only. They have seen the receipt XXXX sent me showing the money clearly transfer onto the correct credit card. 

Additionally I am racking up a phone bill from the XXXX XXXX XXXX XXXX XXXX XXXX every time I call, and Barclays have been earning interest on the {$610.00} since XX/XX/XXXX. 

I would like Barclays to give me the money I am owed and additionally take off the annual fee of {$99.00} for my inconvenience. 

Please help! 

XXXX XXXX XXXX
Consumer complaint received 2019-11-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit (TX)

XXXX hired a company to collect a debt that is 7 years old XXXX XXXX 2019 the company lied to XXXX in reporting that I made a payment on the account which I did not for it is due to drop off in XXXX 2018. please make them verify that payment or take off of my credit as soon as possible please. Due to unforeseen circumstances after I signed agreement with XXXX I lost my job and home burnt down. No payments were ever paid and they never reached out to me until now.
Consumer complaint received 2019-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NY)

I had become mentally ill and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in XXXX XXXX and I use all my credit cards to survive. I was homeless and XXXX for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. 

please remove off credit report. This debt is from when I was sick
Consumer complaint received 2019-02-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

I've called before to see whats going on just the fact they did closed the account before. It makes no sense to send a letter to me. Since they close the account before.on the letter it showed from XX/XX/2019 thru XX/XX/2019. Account been closed where this has this came.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, when I checked my XXXX XXXX on XX/XX/year>, I noticed there are multiple names on my account and XXXX  accounts opened without my permission under different name. I contacted Transunion and I told him my account was locked for last XXXX  years and how come, someone could open the account under my name they advise me to send a complaints to CFPB and let them know what happened the last time I open the credit was XXXX years ago through XXXX XXXX, and anything after that is not mine and there are multiple names which now associated with my account, which none of them belong to me would you please remove those accounts from my credit report and please remove the name thats not mine from my report also? My home address was changed also. There are some accounts which shows its closed also which doesnt belong to me please see attached screenshot of all the documents. Thats none of them belongs to me. Please remove all these from my credit report. thanks for your help.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a resident of Texas, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX lacks the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/XXXX  I purchased a sofa from XXXX XXXX and opened a line of credit in the amount of {$1400.00}. I was told that within 30 days I would receive mail on how to pay the bill and access my account. I had given XXXX XXXX my correct address including apartment number. XXXX incorrectly forgot to include my Apartment in my address when opening the line of credit and I never received any mail to pay the bill or access my account. In XXXX from my bank I got a notice stating there was a late payment and credit score had dropped. I called XXXX XXXX and they gave me TD Retail Card Services number to call. On XX/XX/2023 I called TD and I found out the address on the account was incorrect, they made a note on the account and updated the address and they were able to give me my account number so I can log in a make my first payment. The customer service rep told me to fill out a TD credit dispute form which I did towards the end of the month and mailed to TD. On XX/XX/2023 TD sent me a mail saying that the current information being reported to the credit bureaus was correct, but it was not. On my account I can see my first 3 bills and the apartment number was not there and no mail was delivered until XXXX, when the address was corrected by me calling. 
No mail or information was sent to me to pay the bill and it was XXXXXXXX XXXX  and TD 's fault for not putting the correct address. Neither of them followed up through phone or email to fix the address issue. Attached are the months of XXXX, XXXX, and XXXX showing the address didn't have the apartment number. I also attached XXXX showing when the address was correct and when mail reached me.
Consumer complaint received 2024-01-23
Product: Credit reporting 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. (VA)

i called the credit reporting agencies to inform them that the inquiries highlighted in the document below should not be visible on my credit report. I never gave them written consent to report them. by law this is considered " Aggravated identity theft '' under 18 U.S. Code 1028A
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have incorrect addresses on my XXXX, XXXX, and transunion report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX Still XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AmeriHome Mortgage Company, LLC (FL)

i pay the principal now i reach 69.75 %. 

they said to remove the pmi need reach 65 % my loan is conventional. 

they said : Currently your LTV is 69.75 %. Additionally, and your loan is seasoned less than two years. As your loan secures an Investment property and/or Multi-Unit property, the LTV must be at 65.00 % or less to qualify for PMI removal XXXXased on the Original Value of your loan, via paying down the principal balance of your loan. 





If you wish to proceed with removal of PMI, you have the following options available : Original Value Removal Option You may pursue PMI cancellation based on the Original Value of the property determined at closing. You can make a pay-down towards the principal balance of your loan to reach the required 65.00 %. As of today, the required amount needed to reach the required 65.00 % for PMI removal is {$32000.00}.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.