davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

Selene finance did not send any documents stating change in loan modification or give me information about new recast Nys haf is looking into where they applied funds and a lawyer is looking in predatory lending practices By trying to put in place a loan modification instead of recast I am still in arrears The bank has not been truthfully with agreement set forth by Nys haf Predatory lender
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AK)

I has XXXX miles saved up since 2011. My account was delinquent by {$13000.00} for 2 months. XXXX closed my account and took all of my points. The points alone could have paid for the balance. Total BS. Then XXXX told me if I paid the $ XXXX I can get a lower card instead of the Platinum. After I paid, I applied for a points reimbursement it was denied.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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 which antedates the report by more than seven 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 reasonable cause to believe that the information is inaccurate. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

In XX/XX/XXXX I disputed an account that appeared on my credit report from Navy Federal Credit Union. This accounted was paid and settled ( CLOSED ). 

Today ( XX/XX/XXXX ) I am receiving emails saying that I have missed payments from this account and my credit score has dropped 24 points over this. 
This account is CLOSED-SETTLED. 

However for some reason they have listed 'Between XX/XX/XXXX and XX/XX/XXXX your NAVY FEDERAL CR UN automotive account balance decreased by {$1900.00} from {$8100.00} to {$4100.00}. ' I have spoke to Navy Federal on the phone today ( XX/XX/XXXX ) and they stated all three accounts I had with them have been settled and are closed and that I will have to file a dispute AGAIN to fix their error. I should n't have to go out of my way to fix someone else 's error.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for Esperaian too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that XXXX did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that equifax did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (UT)

I was approved for 5 months through the state for XXXX XXXX. I would get many harassing calls obviously but yet not one of the reps would ever read the notes and added stress to an already tough situation. Finally XX/XX/23 they received a wire. Many calls no one has called me back now. They don't know how to apply funds yet to the penny for XX/XX/23 statement was sent and they don't know how to apply it. The state has also said they are being very difficult. It's unbelievable how easy and now they are dragging their feet and holding on to state funds when it's very clear how to apply not to add the state has already told them. Now that I need their calls, silence.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items and to REMOVE them from my credit report immediately. These accounts are NOT MINE. 
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Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XX/XX/XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to Experian on XX/XX/XXXX. On XX/XX/XXXX Experian responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how Experian has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I sent a check to the property management company XXXX XXXX XXXX Virginia XXXX XXXX, responsible for processing homeowners fees in XXXX of XXXX. The check cleared my account on XX/XX/XXXX for {$160.00} when my account had a balance of {$640.00}. The company stated on XX/XX/XXXX the check was returned for non-sufficient funds. My account had a balance of {$1400.00} on that date. I was not notified of the issue until XX/XX/XXXX when the company threatened to put a lien on my property. I had moved and the property management company claimed they did not have an updated address for me so they sent all notices to my previous address. I contacted the company several times in XXXX notifying them I did not have NSF, I shared with them the cleared check to show the funds were removed from my account. They stated their bank, XXXX XXXX XXXX, said I had NSF. 

The XXXX XXXX XXXX Virginia XXXX XXXX provided a statement that clearly shows 2 payments from the same check on my account for XX/XX/XXXX, a charge of {$30.00} for NSF and 2 payment reversals. They sent a letter stating their lockbox file was posted twice on my account in error and that the 2 payments did not happen. They are stating that they did not try to cash the check twice as shown on the statement. However, the check was paid by my bank therefore one of those payments was completed. They claimed they received no funds from the check but my bank, XXXX XXXX Bank, has verified the check was paid to the payee. XXXX XXXX XXXX XXXX Virginia XXXX XXXX is fraudulently saying I still owe the funds because CIT Group XXXX XXXX is falsely saying I had NSF with a balance well over {$160.00}. 

I believe XXXX XXXX XXXX Virginia XXXX XXXX has erroneously reversed a legitimate payment for my account due to their lockbox attempting to cash a check twice. They are trying to fraudulently receive additional funds from me that they have already received in XX/XX/XXXX. I have sent XXXX XXXX XXXX Virginia all the documentation that shows my account had sufficient funds for the entire month of XX/XX/XXXX.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (KY)

After a great deal of effort and time, I opened a new accout with US Bank on XX/XX/XXXX. My new account met requirements, as explained by the banker in-person, to receive a {$600.00} signing bonus : deposit {$6000.00} by wire transfer within 60 days, done on XX/XX/XXXX, and the bonus would be paid after 60 days. I followed up on their XXXX tel # on XX/XX/XXXX. They confirmed I met the requirements and would settle in XXXX days. Nothing. I called on XX/XX/XXXX. They told me I would recive the bonus by the end of XXXX XXXX. Nothing. I called on XX/XX/XXXX, they needed another 30 days to sort it out. Frustrated, I made an in-person appt with the banker who opened the account. NO bonus because I am not employed, I am retired and one of the wire transfers is from my trading account. The banker was as surprised as me. I thought cash was cash. What possible business reason for this fine print? I have not had this experience with other banks. I wasted at least {$600.00} of their time! No wonder they were down-graded. Closing account asap.
Consumer complaint received 2023-04-17
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXXXXXX XXXX.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (GA)

I opened a new Ally savings account to take advantage of the 1 % cash-back promotion of the amount deposited. The bonus in question is {$370.00} for a {$37000.00} deposit in XX/XX/XXXX. I've followed the rules regarding funding and the timeline for leaving the funds in the account. I was supposed to receive the bonus in early XX/XX/XXXX but still have not received it yet. 

I've contacted Ally regarding this matter on numerous occasions and also faxed in proof of successful enrollment as requested. I was finally issued a reference number XXXX on XX/XX/XXXX. I have followed up with Ally two more times since but each time I only receive a canned answer that they were swamped and someone will take a look soon.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NC)

In early XXXX, XXXX, I became aware that my XXXX, XXXX payment had been rejected because of a dispute I did not initiate. I sent verification twice, of said payment in the form of a copy of the appropriate page of my bank statement on XX/XX/XXXX, and XXXX. I also sent the same documentation directly to a supervisor, of which she verified receipt on XX/XX/XXXX. My Westlake XXXX, XXXX statement shows that the XXXX payment was made. I do not recall the date, but during my numerous calls to Westlake Financial, I had an employee of my bank verify the XXXX, XXXX payment had been made and the funds WERE NOT returned to the bank regarding the dispute. 
I was told initially that the problem would be resolved in 2 weeks. I have heard nothing regarding resolution, other being told every time I call, that it will take 2 weeks. I can not speak to anyone with the authority to resolve this matter. I want my XXXX, XXXX credited to my account, so that my account will be current through XXXX, rather than my account being late. I have religiously made my payments at least 10-15 days in advance of the due. I was not made aware if the rejected XXXX, XXXX payment until XXXX, XXXX.
Consumer complaint received 2023-05-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EMPIRE MEDIATION SERVICES LLC (TX)

Today I received a call about pending claim around XXXX. The name of the person is XXXX XXXX and he said he was a compliance office for XXXX XXXX. He reached out all of my family members and work which is unacceptable. I called back and spoke to XXXX XXXX and she said it was for payday loan I took from checkngo. I advised that i had no pending loans. XXXX said that if I called XXXX  XXXX XXXX  they  would show no loans but they have the matter in their hands and they were calling because they are going to serve me documentation for court. I think this inappropriate and need to put a stop to harassments for me and my family. The called from a local number but in the voicemail they left a XXXX phone number. Please put a stop to this. XXXX said the company name is Empire Mediation.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX is reporting my acct twice i have the message to prove its inaccurate also on my Equifax they reporting twice, under XXXX XXXX which is reporting negative twice this is the message from the company on why responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXX of Missouri ( XXXX ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXXXXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX found an inaccuracy in the information XXXX was reporting for XXXX XXXX account number XXXX. A change request was made to XXXX to update the account to remove any references to bankruptcy as XXXX XXXX account was not in a bankruptcy status during the time it was owned by XXXX. As XXXX is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX Compliance Department
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AZ)

After opening account in XX/XX/2023 I don't have access to my account. I filed complaints via customer service and at the branches in XXXX XXXX, Mt XXXX and XXXX. No response or past 4 months. Wasted time to go back and forth between branches. Everyone customer service tells me to go to the branch to fix the issue and branch tells me it's not branch problem filing another complaint with request of calling me back. I can't get any info through customer service I can't make deposit via mobile app, I can't get support because they can't access my information about account and they want me to charge money for making deposit via mail. It's an XXXX and XXXX on customer who has nothing to do with their internal system. My account will be charged service fees since I can not use account. They do not have number for corporate office. Everyone in the bank gets paid salary but there is noone to fix the problem
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (MS)

My filled complaint was closed without providing me the results of investigation. Again I am disputing these items and wanted them to be removed from my report. Here are the accounts appearing XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Fair Credit Reporting Act protects me from companys reporting negative information. 15 U.S.C. Code 1681 protects me for accuracy and fairness of credit reporting. 
On the XXXX of every month XXXX XXXXXXXX XXXX  received a payment from me but has failed numerous times to update my account with no current update after contacting them to address the issue.