davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

Hello, On Thursday XX/XX/XXXX my Chime Debit card was forgotten at my local XXXX and then stolen. The thief made 3 transactions with local merchants and then started sending payments to a XXXX XXXX account ( presumably hers ) until all of the money in my checking account was gone. She continued to try to make payments to the XXXX XXXX account throughout the early morning hours in smaller and smaller denominations. Chime then sent me texts asking if these were approved ( no ) transactions or fraud ( yes ). I woke up at XXXX for work and noticed I had 5 or so of these texts. I then checked my checking account to find all my money was gone. I called a rep right away, and she said I had to wait until the payments posted for me to dispute them. 
The next step was to identify the XXXX XXXX account, her name is XXXX XXXX XXXX pull up some pictures of her, talk to the merchants about surveillance, and file a police report. Yesterday the transactions posted so I disputed them with Chime while providing all the details, including the police report and an " additional crime information report ''. This morning they had already rejected my dispute, providing no details as to why. I called them again and they told me to send all the details again via email, and they told me my rebuttal was likewise rejected with no info as to why. When I called back the rep said he would send me an email immediately so I could resend my rebuttal info. I never received another email, and none of my stolen money has been returned.
Consumer complaint received 2016-07-26
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I missed the payment date a few years back and forgot all about it, they never emailed, never called then all of a sudden today another company called Cash Advance emails me, telling me they are going to contact the police and that i 'm going to jail if i do n't pay them {$640.00} via a XXXX card. when i asked them why could i not do it with a money order and mail it to them they refused and now they are saying i have to get a lawyer and pay {$8000.00}. they also refused to allow me to make payment arrangements with the company i took the loan out with ( 2 years ago ).
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (GA)

On XXXX I sent a letter regarding inaccurate information reporting on my credit report for a bankruptcy I also reached out to the courts and they stated we do not report to 3rd party credit reporting agencies. This company tacky behavior is violating my privacy rights, its been over 60 days later and I have not received a response back via mail. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the all listed items from my credit report it has been over 60 days so this item should be deleted immediately. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

Regarding : PNC Bank I received a letter saying that there was a shortage on my escrow account. The letter offered me the option to pay the outstanding balance ( shortage ) in order to keep my monthly payment the same or to increase monthly payment. I choose to send the one time payment in order to keep my monthly payments the same. I even submitted an additional XXXX payment to the principal. 
After I submitted that payment, PNC Bank still arbitrarily and without any notice increase my monthly payment by {$55.00}. XXXX so instead of paying {$3200.00} a month I am now required top pay {$3200.00} a month ). When I called the bank the staff who took the call, said the the bank can increase my monthly payment at any time. I ask to speak to someone else and I was put on hold for 46 minutes and then ended up leaving a VM hoping that someone will call back ( I am still waiting ).
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, 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. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (TX)

I did not give XXXX XXXX the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus XXXX and Experian who are allowing XXXX XXXX to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

I have been receiving 4 to 5 calls a day from Discover Finance, XXXX XXXX, for several months. They obviously have my name confused with someone else because I am current on all bills with a credit score of XXXX. I refuse to talk to them to correct their mistake.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

XXXX XXXX was initially reporting inaccurate information on my credit report with this account. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency Southwest Credit Systems. This is another FCRA violation. I did not receive any formal notice from the collection agency or the credit bureau.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My complaint is with Bank of America ( BOA ). On XX/XX/2020, I inadvertently paid my {$680.00} BOA credit card balance to my mortgage account using my XXXX XXXX checking account electronic bill pay. When I discovered my error on XX/XX/XXXX, I first electronically paid the credit card account and then contacted BOA customer service to request a refund of the {$680.00} that was currently reflected in my mortgage account as " unapplied funds ''. After furnishing the BOA rep with my routing and account numbers, I was assured that the money would be restored to my account within 5 business days. I was given a confirmation number. When I did not receive the money, I again called BOA on XX/XX/XXXX. The rep I spoke with on that date stated that the money would be restored to my checking account in a total of 7 business days which he calculated to be XX/XX/XXXX. 
I called BOA a third time on XX/XX/XXXX when the money had still not been restored. The two previous calls as well as this one required an approximately 90 minute wait time before I was able to speak with a rep. On this date the rep told me that this " was above his level '' and transferred me to another department after first assuring me that the wait time would not be as long. After an additional 90 minutes on hold, a recording came on and suggested I leave a message and that they would return my call. No one ever did.

Prior to contacting BOA customer service this third time, I called a local branch where I live, but I was told they could not assist me, that I would have to deal with the customer service number I had been using. 
On XXXX I sent a message explaining the situation using the on line mortgage account " contact us '' link. An automated response said I would receive a response in 2 business days. I have never received a response. 
Each time after speaking with a customer service rep I completed the satisfaction survey I received via email. In response to my request on one of these surveys, I received a call on XXXX. The woman seemed very knowledgeable, immediately understood the situation, and assured me that she was expediting the return of the funds. ( I again provided my banking information to accomplish this. ) She told me that she would call me the next day, XXXX and let me know the status of the request, but it should be accomplished that evening or no later than the following day. She did not follow through with her promise to call me and update the status. As of this minute the funds are still sitting in the mortgage account as " unapplied funds ''.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (SC)

I have been going through the origination process since XXXX with XXXX. I have not got any where closer to closing. I have been asked for documents multiple times that were provided. I was lied to by Quicken by them stating my XXXX was not responsive and my XXXX provided me documentation showing they provided them what was asked. I had to get a new credit report because they let the past one expired. I have sent multiple messages and only received a few responses ... all 10 or more days later. I have no transparency into the mortgage. I am being charged fees for work they are not even earning. This is the worst experience I have ever had. I received a call weeks ago from a " XXXX XXXX '' and he apologized. He said I would be " closing within a week ''. That was three weeks ago! We are not any where near closing. I haven't received a closing estimate updated. I asked for origination fee waivers or concessions. They said " your loan is too low to do that ''. They obviously do not care about customer service.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (DC)

I opened my M & T Bank XXXX XXXX and XXXX XXXX accounts on XX/XX/23 under a promotion and I was supposed to receive : + A {$250.00} bonus for having a {$500.00} direct deposit into my checking account within 90 days + A {$100.00} bonus for maintaining a {$2500.00} balance in my savings account in XXXX and XXXX I satisfied all of the requirements and per the terms of the promotion, both bonuses should have been credited by XX/XX/23 -- but I have not received either bonus yet. 

I contacted M & T Bank via secure message on XX/XX/23 about the missing bonuses and received responses on XX/XX/23, XX/XX/23 and XX/XX/23 that they were looking into the issue -- but I have not received a response since and the issue is still not resolved. 

I've attached the page I applied through with the promotion terms and a screenshot showing the promo code was applied when I opened my accounts.
Consumer complaint received 2020-09-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

FEDLOAN SERVICING is confirming that payment history listed on 4 accounts on my credit reports is correct. Each credit bureau stated that that payment history was sent to them and you are reporting it correctly from XXXX to XXXX It is showing on my credit reports every month that it is outstanding for 120 days each month during that time people. You can not have consecutive months outstanding by same number of days. This is non factual reporting on my credit reports and I like it updated or tradelines removed from reports. Please provide me the documentation that you send to the credit bureaus for my records so that I can see what is being sent to them.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (NC)

XXXX XXXX account reporting shows balance of {$490.00}. 
As of XX/XX/2023 and per the CFPB website. All XXXX XXXX under {$500.00} will be removed from credit history. 

I disputed and asked for this account to be deleted on XX/XX/2023. 
On XX/XX/2023 Equifax responded stating " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. ''
Consumer complaint received 2020-09-10
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. (TX)

Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to XXXX me a loan. There were hard inquiries in XXXX on all XXXX credit reporting agencies and there should not be any.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Couch Conville & Blitt LLC (MS)

i have tried to work with the company concerning this item, i was disputing it because of a late payment, them XXXX XXXX XXXX closed the Account because of the dispute.i have been dealing with this since XX/XX/XXXX and have gotten any results as of yet.Now this law firm ( COUCH, CONVILLE, and BLITT, LLC ) is sueing me for the same thing that i tried to take care of with XXXX  XXXX XXXX.i sent the law firm a letter last month XX/XX/XXXX concerning this problem
Consumer complaint received 2019-12-05
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. (NY)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2016-12-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Citi mortage.lender I am a XXXX % XXXX veteran. In XXXX we XXXX no property tax. My lender took out of my payment put tax money in escrow every month for a few years. At the end of each year they paid the tax collector. Drawing intrest off the money. I contacted my tax collector they went back a few years and sent a check to Citi mortage for the taxes paid in error. I am in a repayment program with citi mortage during this period. Now citi mortage tells me they are going to hold the check from the tax assessor. Until the last repayment is made. Again collecting intrest. This seems to be creative intrested in there favor at my expense. I 'm not well educated even I see them dipping twice and giving my money a ride at my expense. 
XXXX did something similar to me years ago. I did n't ask for help then and wish I would have. This time I 'm asking for help. I need help please XXXX
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

They failed to update my credit report after the information was submitted to them several times, this account with XXXX XXXX was opened on XXXX XXXX 2014 they have it as being opened on XXXX XXXX which is incorrect. Then they have it as a charge off and it 's not a charge off it was refinanced and paid out by the XXXX that 's reporting on my report in good standing. They were also provided the copy of the checks for the pay out. I have disputed this with them several times and they have yet it update my report with the correct information.
Consumer complaint received 2018-09-04
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. (OH)

Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked XXXX, Transunion and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.
Consumer complaint received 2018-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc. (PA)

I received an email from XXXX XXXX regarding an application for vehicle financing which I never applied. I sent a request of specific reasons for denial. They sent a letter dated XX/XX/2018 to send a letter to their Finance Director with  address on letter which I complied. The letter was returned as not unable to deliver. I am concerned as how they obtained my social security number or address. 
I only tried a lender in Texas and then eventually returned to dealership for their assistance to purchase my car at end of lease. I would like to know how this company obtained financial information without permission. Also, is the company fraudulently requesting information? Their inquiry wreck my credit worthiness and cost me a higher loan rate.