davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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. (MO)

Back in May I requested for XXXX XXXX account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

PLEASE DO NOT MARK AS DUPLICATE, THIS IS INTENDED FOR TRANSUNION. 

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX SSN : XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!
Consumer complaint received 2023-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (MS)

Mortgage account - XXXX Village Capital Mortgage Servicing Company has not provide me with my XX/XX/XXXX Mortgage STatement. My mortgage is current andnis is on a repayment plan for veterans. All previous months have a e-statement uploaded to on the website except for this month. I need the document for proof that my mortgage is up to date Village Capital is avoiding posting the information on their portal to fraudulently claim non payment. 

Accurate reporting and billing is important in this matter to comply with the fair billing act.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I opened my citi bank checking account on XXXX in a branch, they offered me a bonus of {$200.00} for opening an account with them. I still havent recieved the funds for the bonus and I have completed the requirements to obtain the bonus they offered and they even inputed the bonus code on my account. Bonus is for {$200.00} in 90 days i have to make at leasts 2 direct deposita totaling {$1000.00} and more from the day the account was open, and i have made over 5 time {$1000.00} direct deposits in the last 3 months and I still havent recieved this bonus. Im demanding my bonus because they sold me a whole checking account and all this terms and bonuses for me to do business with them and they are not doing their part.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-14
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. (MI)

Under 15 U.S.Code 1681 ( e ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the child support court as it furnisher that's forgery and misleading when the courts do not report this type of account. I have contacted the court as to which my only child is involved and they informed me this is not them reporting.

Account name : State of Michigan Office Chi ( incorrect ) Account Number : XXXX ( incorrect ) Blanace is incorrect, Past due amount is incorrect, Last payment date is incorrect, and is reporting as derogatory which is correct.
Consumer complaint received 2023-07-14
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. (MI)

Under 15 U.S.Code 1681 ( e ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the child support court as it furnisher that's forgery and misleading when the courts do not report this type of account. I have contacted the court as to which my only child is involved and they informed me this is not them reporting. 

Account name : State of Michigan Office Chi ( incorrect ) Account Number : XXXX ( incorrect ) Blanace is incorrect, Past due amount is incorrect, Last payment date is incorrect, and is reporting as derogatory which is correct.
Consumer complaint received 2023-07-14
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 2023-07-14
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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.
Consumer complaint received 2023-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

this is follow up to complaint ID XXXX. When I looked on your site to follow up on the status of this complaint your site says Closed. Yes, Chase bank did send me a reply but, to be blunt, it was double talk and did not give me a satisfactory answer to my complaint. I have tried to contact XXXX at Chase bank as instructed in their letter but I can not seem to get through to her. If you look at their letter of XX/XX/2023 the 3rd paragraph is their answer, or excuse, for my problem. To me it is unintelligible.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Since XX/XX/2023, every month, XXXX reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called XXXX and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through XXXX or the Consumer Financial Protection Bureau. Now XXXX will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. XXXX really needs to fix this because it is unfair for the false reporting.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2023, every month, XXXX reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called XXXX and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through XXXX or the Consumer Financial Protection Bureau. Now XXXX will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. XXXX really needs to fix this because it is unfair for the false reporting.
Consumer complaint received 2023-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (CA)

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately
Consumer complaint received 2023-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (WI)

i sent a letter to you stating that my mortgage principal balance is not going down. the owner of my loan states they don't make decisions on loans. after that i contact XXXX XXXX they say they don't make adjustments on loans. i'm confused, who do i go to for help.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CT)

A quick background on me : my wife and I are near retirement age. We each have credit scores of over 800. We ALWAYS pay our XXXX credit card bills each month. We own our house. We are very secure financially. 

So why do I write this letter? To call out a large financial institution that chooses to work against the best interest of their customers. 

Here 's what happened : Two years ago I went into overdraft on my Citibank Checking " Plus '' account. I believe this overdraft occured when I moved money into my son 's college account. I'm guessing the account was in deficit for less than XXXX XXXX 

Here 's my problem : I believe that Citibank uses a highly suspect business practice. Even when my account bounced back into positive territory a day or so later ( and averaged approximately {$20000.00} for many years ), the bank chose not to notify me in a meaningful way. They chose to gamely take my money, {$1400.00} in interest, for over two years. And they would still be charging me interest if I didn't happen to stumble upon this outstanding debt. 

My question is : WHY ISN'T THE CONSUMER NOTIFIED WHEN INTEREST IS ACCRUING AGAINST THEM? Credit card and mortgage statements are very clear about notifying the customer, giving them options for payment. Why should CITI get a free pass here? Shouldn't the consumer ALWAYS be notified if they're in arrears? When I say " notify, '' this means a SPECIFIC notification, not just a monthly statement with interest accruing charges unseen by me for 2 years. 

When I wrote CITI 's corporate headquarters, they 1 ) flatly refused to discuss any compromise or refund, and 2 ) muddied the waters by denying that this practice was " discriminatory. '' ( Very strange - I never accused them of discriminating against me. ) What they pointed me to was a single line item, " Checking Plus '', at the VERY bottom of my home landing page. Well, I NEVER look at this remote place online. When I go online to my CITI account, I see my account at the top, and I click on it to do my online bill paying, etc. I don't scroll down to a line item ( that I didn't even know I had! ) Why can't they be required to notify their customers that they're in arrears on overdraft interest? Why can't a letter or email go out? Why can't a banner appear at the top of the online account page? Why not a message alert? I think I know why, it would lose this megabank lots of easy money! 

I ask that the CFPB do a deep dive into CITI 's overdraft policies. I believe they are designed to reap a steady flow of well-disguised interest charges from unsuspecting customers. 

Thank you very much. 

XXXX XXXX
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

MY LETTERS TO CASH APP For your reference, here are the 2 previous sham " investigation '' case numbers i had. case # : XXXX and XXXX. I hope this new investigation is real and not a 3rd exercise in futility. So far CASH APP is 2 for 2 in one-sided reviews done solely for the benefit of cover for CASH APP to deny all claims. I still don't understand how a financial institution worth over {$100.00} XXXX, who spends probably hundreds of millions on customer acquisitions, can treat customers and customer claims like a bankrupt, 3rd tier insurance company.
Consumer complaint received 2023-06-13
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

To Whom it may concern, On XX/XX/XXXX, XXXX, XXXX I called Keybank to determine when I would receive the escrow surplus on my closed ( paid off ) Home equity loan ( account # ending in XXXX ) and my closed ( paid off, home equity line of credit account # ending in XXXX ). During one or more of those calls, I also asked the representitive to verify what mailing address Key had for me and she verified my mailing address as XXXX XXXX XXXX XXXX NY XXXX. 
I received a call back from Key Bank on XX/XX/XXXX, during that call I had her verify my address again. The representative then told me the checks were printed on XX/XX/XXXX and would then be mailed following a ten day waiting period. I waited until XX/XX/XXXX, I then called Key to inform them I had not received either of the escrow surplus checks. I called again on XX/XX/XXXX, and XXXX. I informed Key on XX/XX/XXXX that I finally received the escrow surplus check for the account ending in XXXX on XX/XX/XXXX ( I can verify this via USPS incoming mail scan ). I also informed them that I had not yet received the check for acount ending in XXXX. When I called Keybank on XX/XX/XXXX a Keybank mortgage representative ( named XXXX XXXX told me the check was mailed to the wrong address, following that call I was told I would need to fill out an indemnity form in order to get this check. 
I called again today as was told it will take another 10 to 15 days to get reimbursed for the escrow surplus for acount ending in XXXX. 
I updated my address with key in XXXX when I moved to XXXX, at that time no one informed me that this did not include the aforementioned accounts, nor was this mentioned during any of the calls which occured between XX/XX/XXXX to XX/XX/XXXX. I called again on XX/XX/XXXX then and only then was I informed that for account ending in XXXX that an address change could only be done in writing. I find it very in consistent that the check for the account ending in XXXX ( also a home equity mortgage ) was mailed to the correct address without it being submitted in writing. 

Sincerely, XXXX XXXX ( still waiting for the Big Financial Institution to send this little guy his Money the money that cleared these aforementioned accounts on XX/XX/XXXX )