davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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: Grain Technology, Inc. (FL)

Upon reviewing my credit reports from all three major credit bureaus, I have noticed that the late payment months do not match, which has resulted in a negative impact on my credit score. 

I believe this discrepancy is erroneous and has led to an inaccurate portrayal of my credit history. I maintain that I have made timely payments to the aforementioned creditor during the period in question. The conflicting information across the credit reports has caused undue hardship in my efforts to secure loans and other financial services. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and remove the inaccurate late payment entry from my credit report. I have attached copies of my credit reports from all three bureaus, highlighting the discrepancies for your reference. 

As per the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving this dispute. I request that you promptly communicate with the creditor in question to verify the correct information and rectify the inaccuracies in my credit report.
Consumer complaint received 2017-03-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

Called to pay off my escrow shortage on XX/XX/2017 at XXXX am from phone number XXXX. Customer service agent was rude and would not change my monthly payment amount. I requested my excrow be paid off and monthly payment be changed. From the time I have had my mortgage I have always over paid my principle each month. I asked to have my autodraft changed so I could again be paying more than my principle. She argued with me stating that the bank could not do that and why should I pay more than my monthly payment. She then placed me on an extended hold without any notice and transferred me to XXXX employee number XXXX. When I was transferred over to XXXX he was unable to see any notes concerning the conversation prior to the transfer. XXXX was able to process my escrow shortage payment for next year and adjust my monthly payment. 

I am requesting the first agent be terminated and never again be allowed to work in the mortgage industry. No consumer should be argued with when be proactive in paying their blls.
Consumer complaint received 2017-01-24
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Approved Mortgage Corporation (IN)

I WAS TAKEN ADVANTAGE OF BY WINTERWOOD MORTGAGE IN INDIANA, HE TOLD ME TO LIE ON MY PAPERWORK, HE CHECKED MY CREDIT ABOUT 5-10 TIMES WITHOUT ASKING ME, MADE ME SIGN THE SAME DOCUMENT ABOUT 5 TIMES ( Mortgage Application Document ). WHEN HE ORIGINALLY CHECKED MY CREDIT, INSTEAD OF TELLING ME ALL OF THE STEPS HE WAS GOING TO HAVE ME TAKE HE JUST TOLE ME I NEEDED TO DO ONE THING, THEN ANOTHER, THEN ANOTHER, THEN ANOTHER, IT WAS SO EMOTIONALLY EXHAUSTING AND I HAVE BEEN WITHOUT A HOUSE/APARTMENT OF MY OWN SINCE XX/XX/XXXX OF 2016. HE ALSO MADE ME CALL A LOT OF PLACES FOR THE SAME THING MULTIPLE TIMES, IT WAS THE WORST EXPERIENCE AND LET DOWN OF MY LIFE. I AM ALMOST XXXX AND I HAVE NOTHING TO SHOW FOR IT, I THOUGHT THIS WAS GOING TO BE THE NEXT CHAPTER OF MY LIFE BUT NOW I AM SET BACK NOT ONLY FINANCIALLY BUT EMOTIONALLY, I AM BEHIND ON {$6000.00} THAT THEY WILL NOT GIVE BACK TO ME.
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC (SD)

I have repeated calls that started on XXXX XXXX. They call twice a day and refuse to tell me who they are and why they are calling. If it is a debt collector they have not sent any written validation notice within in the required 5 day from first contact. They continue to harass and annoy me and refuse to tell me who they are or why they are calling.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit report from XXXX, XXXX and Trans Union and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account. Trans Union did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Consumer complaint received 2015-10-17
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: U.S. BANCORP (NH)

I purchased this card and tried to use it online on XXXX to pay my account balance. I tried using the card but it kept getting declined. I called the number on the back of the card and was told that XXXX is a " blocked merchant. '' The customer service representative said US Bank maintains a secret list of blocked merchants at which they do n't allow their prepaid cards to be used. This is completely deceptive. The back of the card says it is accepted anywhere XXXX is accepted. It makes no mention of a " secret '' blocked merchant list. I believe this secret list is to make it harder for people to use the cards so US Bank can collect inactivity fees or hope people just do n't use the card.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have two capital one cards that the interst are way to high for national average on loans an the late fee is based on any particular merit just floats as the head XXXX stated to me so the late fee can be more than the minimum payment amount an the fee don't respond to the number if days you late they chage it the first day
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

1.XXXX reported that my bill was paid as a charge -off, fixed rate. The date stated opened on XX/XX/XXXX ; date of last payment as XX/XX/XXXX. To the contrary, I paid the entire bill amount I owed, so IT WAS NOT A CHARGE-OFF. 
2.XXXX stated XXXX XXXX XXXX XXXX was owed {$160.00} on XX/XX/XXXX. The status showed D-Unpaid. I paid the bill in full for medical/health care. 3.XXXX XXXX XXXX was paid {$980.00}. Date assigned XX/XX/XXXX ; status D-Unpaid
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

due to the Bank checking on fraud ( which I understand ) they denied a transaction at a local ATM due to me being out of state. ( again which I understand ) I called the bank and although in a public place require me to give my social to access the account. I asked if there is any other way and they refused to help me. I then requested a manager and they repeatedly put me on hold and then the same person gets on the phone and even though I explained to her earlier that I am XXXX miles from a branch she says they will not help me and I need to go to the Branch. After asking for the manager again and waiting on hold almost 20 minutes she hangs up on me. Can someone please help me. It 's my money and they are holding it hostage.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (CA)

I found a credit card listed on my XXXX XXXX XXXX information that I did not request. 

The card was identified as : XXXXXXXX XXXX Account shown as XXXX With a balance of {$76.00} and a {$300.00} credit limit It was opened ( not my me ) on XX/XX/ and is a revolving account. 

I called Genesis at ( XXXX ) XXXX to report it and was told to contact the FTC, who sent me to you to open a report. The address they had was not my address. 

Let me know if you need more information. Thank you, XXXX XXXX
Consumer complaint received 2015-07-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (NC)

BB & T has built a history of questionable and in my opinion, illegal activity. My house burnt to the ground, Myself and my family lost every single piece of anything that was n't attached to our skin. My insurance company was trying to give us money so we would n't be homeless, after hours of XXXX XXXX and myself trying to get the bank to allow us access to the check they finally allowed it. We went to purchase basic goods with this money and our card was declined. We called the bank and were told that we were only allowed to spend a certain amount. This was our money that the bank spent all that time to approve us to have, they approved it to be our funds and then did not allow us to purchase what we needed to. This money was ours and the bank said they do n't allow us to spend more than a certain amount of our own money. We called all the way to the executive offices for BB & T and were told the same thing, the bank was holding our money without our consent. Previously the bank has taken our XXXX funds, when we called we had to go to XXXX different departments because everyone said they had no idea where my money went, finally when I got to the " right '' department they said they took my {$2500.00} and were holding it because they said I deposited too much into the account, they did n't give MY MONEY back for XXXX more days. Recently they closed my account without notifying me in any way. When I called they said it was because I used the account too much, again MY MONEY that they keep feeling like they can take, hold and make disappear whenever they want. Even when they knew my house burnt down and I had nothing they still did not even think about allowing me access to MY MONEY so I could purchase things for my family. This bank charged an " OLB banking '' fee for a year after I cancelled a connected account but only credited the month that I called to complain about it, they have duplicated transactions and put us into overdraft and said they only would " forgive '' XXXX overdraft exception per year. The XXXX, NC Branch needs to be investigated but their entire executive team down to their branch has shown issues.
Consumer complaint received 2023-01-19
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim.

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, XXXX
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I went free credit report today XX/XX/year> and I noticed that theirs an address on my transunion report on my previous address that I have never lived at I have never moved to any other states in my life I only live in XXXX. 
This is the address that is showing on my Transunion Report XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Please check into this because its a fraud and it should never be on my credit report. 


Thank You
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

XXXX sisters loan from XXXX XXXX shows on my credit report. The loans account last XXXX is : XXXX with the amount of {$1100.00} and it is charged off. I am not liable for this collection and it needs to be removed and placed on the correct persons credit report.
Consumer complaint received 2016-11-28
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (GA)

Issues : disclosure verification of debt + improper communication tactics. 
I spoke with XXXX, a contact center manager for this collection agency. I identified myself as the best contact person to communicate with on this matter. I clearly expressed my desire to pay this debt in full asap as long as the charges were valid. I gave them my mobile and work phone numbers. We hung up with the expectation that I would receive a verification of debt package by mail from them shortly. This would have given me an opportunity o review the validity of the charges. Till this day, I have not received this package. In the meantime, I found out they had been trying to contact my roommate ( despite our mutual agreement that I would be the sole point of contact for this matter ). 
Last but not least, their contact center representatives consistently try to engage in confrontations and arguments over the phone instead of focusing on duly resolving the matter. 
I am under the impression they are purposely trying to prevent me from reviewing these charges so that once the legal time-frame has passed, they will be able to threaten me with putting those unverified charges on my credit report. 
Please help!
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Credit Systems,Inc. (CA)

XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from National Credit Systems demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Consumer complaint received 2020-06-09
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 sending this report because I have many problems with the fraud I found on my credit report i don't have any relation with the fraud accounts I listed those accounts not mine they are wrong information they have everything on their file is some one used my information and used.
Consumer complaint received 2017-02-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (CA)

My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. 
I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My husband and I paid all our rent on time & gave notice before we moved out. We had a walk through and did not owe any money for any damages. We did however forget to ask for our security before we left the state. Months laterthe company that owned the apartment sold the complex and we were somehow charged with owing them more than our monthly rent. We found out about the debt while being denied an apartment. I did all I could to resolve the matter. We contacted XXXX and they said they had no record of us owing anything. We contacted the creditor that owns the debt, ncc business services, and they told us they could n't help us, so we disputed the claims on all XXXX credit bureaus. We have been able to get the debt off our other credit reports but transunion " will not '' remove this inaccurate data from our reports. This has caused us to lose future housing and get higher interest rates by lowering our credit scores. Now we 're out even more than a lost security deposit.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When you call the phone number for TransUnion- you get pitched a variety of other services such as XXXX XXXX auto insurance, XXXX XXXX, and free vacations. Meanwhile, you can not get through to a human being who can explain how to activate either a fraud alert requiring notification and permission for anyone to run a credit check on you or a credit freeze. How can an organization like Trans Union who has so much power over the average person 's lives be so disrespectful of communicating with us apparently perceived 'little people. ' Thankfully, I have XXXX who did find a phone number for me and wound up teaching me how to set up an account at Transunion and to notify me of the option of placing an alert on the account, and how to complain to the FTC about it!
Consumer complaint received 2020-06-09
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. (TX)

I have contacted Transunion and explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! The inquries from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please remove this information because I have not applied for these accounts and I have not received anything from these companies.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I am showing XXXX open accounts on my Credit Report under XXXX XXXX XXXX XXXX is for {$10.00} and XXXX is for {$28.00}. I have attempted to contact them with the number I found on the internet ( XXXX ), but it is disconnected. I had contacted this agency in XXXX 2014 and I was informed that all my accounts were up to date. I would like this removed off of my credit report.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Recieved a Call today from my Mortgage loan servicer and was told that I was currently late on my XXXX payment. I then looked back on my records and saw that my account was debited the payment for the mortgage payment on XXXX XXXX. The representative I spoke with explained that because the payment was received early they only credited it to the principal at that time. I had explained that no it was for the XXXX payment and that it was paid on time according to there records and mine. XXXX XXXX who was the representative with Seterus - then explained that there system is not able to process it any differently and that I was responsible for late fees for the month of XXXX. After a little more discussion I was then put on the phoe with a supervisor - XXXX XXXX who then at first attempted to tell me the same thing until at which time I told her I would file a complaint with the CFPB. Soon there after she told me I would not be charged a late fee and told me to have a nice day. 
I have been in the mortgage business for over 25 years and have never heard of anything so crazy with regard to loan servicing. I am making you aware of this because I am sure this appears to be somewhat of a deceptive practice used to charge late fees and feel that others without the knowledge and experience I have have probably paid the fee and went on. This is the sort of stuff that gives my industry a bad name