davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

On XX/XX/20 I sent a letter to Experian certified with a return receipt, requesting a MOV regarding an item on my credit report per FCRA 611 ( a ) ( 7 ). This request is due a response in 15 days. Experian failed to  respond with the requested items or remove the creditor. I called XX/XX/20 spoke with XXXX & later XXXX in disputes and both argued they don't have to delete anything and can file a new dispute. 
The problem is I sent the letter and they have yet to fulfill my request due to me by law. They both reassured me they don't have to do anything and they don't verify data they just host it.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute on XXXX and followed up on XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sect ion 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable. Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction.

Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TN)

On XX/XX/2020 I tried to get information about balances and transaction amounts on 5 ( five ) Rewards Cards issued by US Bank with the Debit/Visa logo on the front. I tried calling their automated service which supposedly gives balances and transaction histories. None of our transaction histories were in the system. It said XXXX balance available but NO TRANSACTIONS. That makes no sense. I tried to reach a human being to discuss this and stayed on hold for 20 minutes listening to their annoying on-hold music only to finally reach someone who couldn't help me dispute charges like their phone system offered ... instead they wanted to give me another phone number to call. WHAT? The automated voice system said I could get card information on a website. The website was an absurd creation by someone who doesn't know how to design websites, and it created errors repeatedly. There were NO OPTIONS to address an issue with the website. US Bank has done and incredible job of erecting barriers and obstacles for their victims ( customers ) to waste time on before giving up. Apparently this is their business model. On the back of the card it claims they can charge $ XXXX/month if you don't use the card. Really? You can't get info from a human, you cant get info from their 800 number obstacle course and you can not get registered on their ridiculous non-functional website. What a joke. I need someone from US Bank to call me to get this resolved so I don't need to waste more time as US Bank 's victim/customer.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (AL)

XXXX XXXX Master Card 2go program for GA unemployment insurance. 
XX/XX/XXXX I ordered a replacement card as mine was lost. I paid to have it expedited.Was told by the agent two days. Card never showed. XX/XX/XXXX I called they cancelled order and ordered new card. Told me that i would have it in two days. Still no card. My bills are late and my phone is shut off. Also, I will be contacting a lawyer. The fact that they just flat out lied is what really perturbs me. I will maintain my composure and conduct myself as a gentleman but i am XXXX  to put it mildly. On several occasions i remained on hold for over an hour. I had to set my alarm for XXXX jusft to speak to an agent, including supervisors that all flat out lied. I will be recording my conversations with your lying agents going forward. Direct reflection upon leadership : guess you're all liars. 
Card was lost so i have no card number
Consumer complaint received 2020-06-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

Ive had issues with Freedom Mortgage Over the last year since applying for my second loan with them. I was a Freedom customer 10 years ago and they were awesome, but now seem to be always behind. When we initially closed, they only paid for a portion of my homeowners insurance policy, leaving me without coverage during hurricane season and causing me to pay an additional {$2300.00} out of pocket for a last minute plan prior to the arrival of Hurricane Dorian. The initial closing process itself passed me around to mortgage experts who rarely answered their phones or returned my calls. They didnt seem to care how long it took to get my paperwork through and almost cost me my house in a competitive buyers market. More recently I attempted to refinance my loan, only to get stuck in the closing process waiting my for XXXX payment to post. I had to call them four separate times over a period of three weeks to finally schedule the closing. Now this morning I took off work to wait for the notary who was supposed to be here at XXXX XXXX. She alerted me last night that she didnt have the closing documents. The closing company called me this morning to tell me there was a delay in receiving the documents from Freedom. Not once did Freedom call or reach out to tell me the plan would change. When I called them to complain the response was well we are happy that the documents are finally out and there are no problems. This complete lack of accountability on Freedoms part is wholly unsatisfactory and disappointing in the lack of oversight and leadership displayed in multiple departments. They seem to have a culture of sub-par work at the expense both in time and money of their clients. I recommend they take steps to implement stricter QC and timeliness policies to avoid jerking people around like this in the future.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank Of America failed to fulfill their responsibilities to get me my money back from a XXXX ( XXXX XXXX ) in the amount of {$950.00} for service that was never rendered / cancelled by the operator. 
I made reservation via XXXX to fly to XXXX on XX/XX/XXXX that arrives in XXXX on XX/XX/2020 Itinerary # XXXX ( airfare ) Confirmation # XXXX XXXX / the operator cancelled my flight before my fly date. XXXX notified me of the cancellation on XX/XX/XXXX via email, I opened a dispute in the first week of XXXX against XXXX via Bank of America since merchant wasn't cooperative. yet Bank of America ruled the disputed in the favor of Merchant 3 month later ( XX/XX/2020 ). It's a moral imperative that Bank of America protects their customers from crocked merchants. 
XXXX breached the purchase contract - terms and conditions, they cancelled my trip, and ruined my plans to attend a wedding, I must get my money back from them. 

I made the reservation with the intention of going to attend a wedding, that XXXX cancelled the flight for, I don't see my self going to XXXX for at least 5 years, so any resolution in the form of airline credit is unacceptable. XXXX offered 12 month airfare credit, that I don't see myself using at all with the COVID situation. 

Bank of America should have ruled the dispute in my favor and gave me my money back. I am appalled by the results and negligence of your staff handling the case, this maybe the end of journey with Bank of America. 
My wife had the same ticket booked but using chase card, and we got our money back immediately, and chased ruled the dispute in our favor. 
Very disappointed at your bank and your staff, specially the last time I talked to the staff, they sounded very short and scripted. they don't evaluate disputes case by case, they read from script. 



I would like this dispute to be ruled in my favor and get my money back {$950.00} from the crocked merchant. 
Merchant violated the terms and condition and cancelled my trip. I didn't cancel the trip. 
Any airline credit isn't acceptable, because I will not be traveling to XXXX for the next 5 years.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XXXX, I owed a little more XXXX $ to XXXX but PRA says I owe XXXX . I don't think so! In XXXX, I owed a little more XXXX . I tried to work with XXXX XXXX XXXX directly to prevent collection. Unfortunately, I worked for more than 2 years under contracts which was not even providing for my basic needs. I requested a Debt Validation letter from XXXX XXXX XXXX and the billing statements for XXXX to XXXX. Portfolio Recovery Associates says I owe XXXX . I don't recall owing this amount to XXXX XXXX XXXX and would like to see the validation of the amount owed. Plus, remove my account from Portfolio Recovery Associates. I tried to go online to get my billing statements from XXXX XXXX, but my account is closed, I can't access them. 

I contacted XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX via their email at XXXX to have a Debt Validation letter, they refused. 

I contacted XXXX XXXX, XXXX  Office of the Customer : XXXX XXXX | XXXX XXXX at XXXX from XX/XX/XXXX to XX/XX/XXXX to get copies of my billing statements showing the amount I owed, they refused. 

Finally, I receive a letter that stipulates that the billings statements I needed to contact XXXX XXXX, that XXXX refused to purchase the debt nor giving me the billing statements.
Consumer complaint received 2018-06-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (TX)

I currently paid off the mortgage with Ditech. The payment was processed with a late fee of XXXX. I called to get additional information and was told that this was assessed from XX/XX/XXXX? I am not sure how I was assessed in XX/XX/XXXX with a payoff and charged additional fees.

In XX/XX/XXXX, they sent me a notice that my escrow was short. I sent in the amount they requested, the funds were applied incorrectly and was charged late fees again. I sent the payment in with the payment coupon they provided with my escrow analysis? I had to call 2-3 times to get it applied correctly. Everything was cleared up and my account was corrected. I received statements for XX/XX/XXXX and XX/XX/XXXX with no late fees? Now when I pay it off in XX/XX/XXXX there are late fees??

They have reported my account late to credit reports over these fictitious late fees.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-02-18
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. (CT)

XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Sent the company a letter displaying violations that were committed of their behalf
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian lists me at two addresses in Florida. I have never lived in Florida. When I tried to remedy this, the claimed that the addresses have been verified. I don't know how these addresses could be verified if I don't live there at all.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
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. (LA)

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 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Chase 's website makes it very difficult to check the statements and to navigate to see details. 
It is very heavy, and it hangs several times. 

I had, a few times, to give up checking my statement because Chase makes it difficult, or impossible, to use their website. 

Please pay attention : this is NOT an issue with my computer. I have cards with 4 other banks and all of them work absolutely well, and quick. I don't spend more than a few minutes in each access. With Chase, however, it is almost impossible to do what is needed. I work in XXXX  and I assure you this is plain bad programming - I tried to be fancy, your programmers delivered what you asked, but Chase ignored the signs that the website is just too heavy to respond to clicks. 

Also, regarding the design : who thought that opening the transaction on a list on the right side of the screen was a good idea?!
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NCC Business Services, Inc. (GA)

Account Name : : NCC BUSINESS SVCS INC,XXXX ... I have a judgement on my account for ( eviction ). One was just placed on my account Overview You've paid off 0 % of your collection amount. Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/XXXX ( 3years 5 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which this one have not. I am requesting this one judgement be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

On XXXX XXXX, 2021 my Shell gas card was canceled after I moved from my apartment to a house in the same state of Michigan. Ive been a idea paperless customer with them for 2yrs which I have never received a statement from them in the mail because I always paid online when I called them to correct the matter they stated the reason for my cancellation was because they stated their monthly statement was returned to them by mail because of unknown address, my local post office was aware of my moving but takes 2 weeks before changes go into effect I explain that to credit card company they said they cant reverse their decision once its been canceled I would have to reapply. I lost 2 yrs of perfectly paying my balances and my FICO Score dropped as well, I sincerely hope that you can help in this matter ...