davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Recently, I did an investigation on my credit report and found several items to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX XXXX ( creditor XXXX XXXX XXXX  ) XXXX. XXXX XXXX  ( creditor XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX. XXXX XXXX ( creditor XXXX  ) Derogatory marks : XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other inquiries I have not approved of
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On my Sears Credit Card account ending in XXXX, I was charged {$800.00} for a purchase at " XXXX XXXX  '' earlier this year. I do not recognize this purchase, nor do I recall it, so I believe this is a false and fraudulent transaction. I contacted Sears Mastercard online and notified them of the billing dispute. The account ending in XXXX was terminated and I received a new account ending in XXXX. I received correspondence from Sears Mastercard dated XX/XX/2020, stating that they were investigating the alleged charge. On XX/XX/XXXX, I received another letter stating that the investigation was completed and that that disputed charge ( and another one ) had been deducted from my account plus related fees and interest. The billing statement for XX/XX/2020, indicated a credit for {$800.00}. Then, the billing statement dated XX/XX/2020, contained a purchase for the same amount : {$800.00}. I contacted SearsMastercard by telephone and spoke to " XXXX '' and asked why the disputed charge and been added on to the new account ending in XXXX. She said SearsMastercard would look into it and contact my by mail with their result. I received a letter from them dated XX/XX/2020, stating that they had determined that I was responsible for the {$800.00} charge because I had not identify disputed transactions. The billing statement dated XX/XX/2020, indicates that the disputed {$800.00} has not been deducted from the new account. On XX/XX/XXXX, I wrote to Sears Security Operations ( who had written the XX/XX/XXXX letter to me ) stating that I had identified the disputed charge, that it was the {$800.00} arising from an alleged purchase at " XXXX XXXX. '' and that I continue to dispute any such charge and asking them to provide me with any contrary information and documents they might have. To date ( XX/XX/2020 ), I have received no response from Sears Security Operations or SearsMastercard. I continue to dispute the {$830.00} charge.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Amcap Investments, LLC (TX)

We just refinanced our home and our loan was sold to AmCap Mortgage, LTD. My loan number is XXXX. Our first payment was due on XX/XX/XXXX and I set up recurring payments of {$2800.00} which is the total amount due each month. My XXXX pymnt was drafted out of my checking account for {$2800.00}. On XXXX a pymnt was drafted out of my account for {$3400.00} which I did not authorize. This caused an overdraft of my checking account and I was charged {$30.00}. I contacted AmCap several times- I was always on hold a minimum of 20 minutes and transferred several places and sometimes disconnected. I sent inquiry messages which were not returned for over a week. I first contacted them on XXXX when I saw the charge. I resorted to trying to chat with an agent. Each time I was told that this was done by me ( understand I set up a recurring pymnt for my minimum and never authorized this ) and applied towards my principal. I was on XXXX to send a copy of the bank transaction and my overdraft fee. I sent on XXXX. I had to f/u several times and each time was told I authorized this. I finally got to someone named XXXX who said he apologized for the error and submitted the paperwork for a refund. Again, I did not receive a refund. I contacted them again and finally talked to a " supervisor '' on XX/XX/XXXX and was told it was approved and would be processed within 2 weeks. I was very upset about this because this is still money out of my bank acct that was not authorized and I needed to be reimbursed. He told me he would try to rush it. Today has been 2 weeks and I still have not received a refund. I just did a chat with a " XXXX? '' and they said it still has not been approved. I want a refund asap.
Consumer complaint received 2020-09-04
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. (GA)

i have tried to fix this issues, it still has not been fixed by Equifax there is still XXXX inquiries on my credit report, this issues has not been. resolved i check my credit every day, i have a XXXX XXXX XXXX XXXX XXXX on my report the date of that inquiry is XXXX/XXXX/2020 i dont recognize, please remove all XXXX inquiries they still show on my report, this problem needs to resolved i found these inquiries today d still showing, so pleasse update my report after taking these inquiries off my report, DO NOT PUT NO FRAUD ALERT ON MY REPORT WITH OUT MY EXPRESS permission, I WILL continue FILE COMPLAINTS UNTIL THIS ISSUE IS RESOLVED AND FIXED BY EQUIFAX, i will attach the screen shots to show there still on my credit report.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened my account with SunTrust exactly a month ago because I wanted to take advantage of the promotion, they had for their checking account so that I can close my old account. Yesterday I received my direct deposit into the account, and I did a XXXX transfer that night, my account was placed on hold. In the morning I log in to look at my balance, so I see that all my money is there. I get to working and decide to call them in the afternoon to resolve the XXXX hold. later in the day, I received two emails to contact them, etc. I call and they tell me that the only way they can lift the hold is if I go into the branch. 1. huge inconvenience to have to go into the branch 2. I was in Rhode Island working, where there is no SunTrust bank nearby, they would not give me access to my account at all online. The Customer Service Rep ( who also wasn't nice in the beginning at all, I think ended up feeling empathy for me ) suggested I use XXXX to transfer my money out of the account in the meantime since I could still use my debit card, this way I don't remain without my money. I was able to add {$2000.00} to my XXXX balance and then they blocked my card with a remaining balance of {$1400.00}. I called and spoke to fraud prevention and they said my account was being closed due to misuse of the account. I don't care about the account because as soon as I saw their very outdated policies and handling process I had already made up my mind that I was going to close the account. I need to know when I will be receiving the rest of my balance in the exact amount of {$1400.00} to my mailing address because as of right now there is no other way for me to get my money. This was unprofessional and very primitive handling of my money.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

We were a business client of American Express for almost 20 years with excellent payment history, due to Covid-19 our business was closed in XX/XX/2020 and is still closed, during this time we checked in with American Express twice a month as they required to updated our situation. In XX/XX/2020 Amex closed the account without notice and the account was placed overseas in XXXX with individuals you could not understand, we asked and tried several times to speak with someone in the US, AMEX did accommodate that request, we still continued to call AMEX and update them as we were waiting for funds. To avoid any issues with credit we entered into an agreement with American Express ( Uploaded ) in XX/XX/2020, that clearly states credit will not be affected. AMEX did not honor the agreement and even though this was a business account AMEX placed a charge off on credit with all 3 agencies on personal credit which dropped credit from XXXX to XXXX and has severely crippled our ability to finish with refinancing assets to pay the debt in this Pandemic. We have tried several times to Speak with a US based AMEX Customer Support and each time the call goes to XXXX and with NO RESULTS. thank you in advance for your assistance. Please Help XXXX
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (VI)

To Whom It May Concern : On XX/XX/2020, XXXX XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX For EXPERIAN 1. Validate Account XXXX Account Number : XXXX Please verify all   information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : 3XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX   Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately
Consumer complaint received 2020-09-04
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. (OK)

The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX   XXXX  {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help
Consumer complaint received 2020-09-06
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. (NY)

I sent complaint that i am a victim of identity theft and in return Experian accused me of being a credit company and or I didnt sent my own report. I My name is XXXX XXXX, and once again I am a victim of identity theft
Consumer complaint received 2020-09-07
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. (MO)

I mailed XXXX letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of XXXX letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for XXXX  to avoid redundancy.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

The prior context for this complaint is complaint XXXX. Since having that refunded added to my account ( and their misrepresentation of events in their response to that complaint ), I closed the account by phone an XX/XX/XXXX with over {$3000.00} in credit. During that conversation they said I would be sent a check for the amount in credit. 

On XX/XX/XXXX, having still not received payment, I contacted them by phone, to which they claimed they had never processed any request to have the funds that I was in credit returned to me and stated they would do so. I told them if it was not received within 48 hours I would be filing additional complaints with you ( the CFPB ) as they are intentionally not providing monies owed to me.

We are now another two weeks after then, four weeks since the account was closed, and many months since the initial issue with refusal to charge back services not provided for flights cancelled. 

In short, American Express are not honoring their debts to customers. The account number in question is XXXX.
Consumer complaint received 2020-09-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I contacted PennyMac to inquire about COVID-19 pandemic assistance. At the time, my account was 30 days past due. I was informed by a representative that by enrolling in the COVID-19 pandemic assistance program, I would not be required to make the past due payment and enrollment would resolve negative credit reporting. 

After enrolling in the program, I received a written communication from PennyMac confirming my enrollment in the program. Furthermore, the letter confirmed that by participating in the program, no negative credit reporting would occur. 

Upon checking my credit report, I noticed my account was reported 30 days late contrary to the aforementioned. I spoke with XXXX ( XXXX x XXXX ) who confirmed she reviewed the recording and verified that I was informed that by enrolling in the COVID-19 pandemic assistance program, I would not be required to make the past due payment and enrollment would resolve negative credit reporting. XXXX also confirmed the written communication from XXXX. 

Despite XXXX acknowledgements, in no way did she honor what was stated verbally and provided in writing. To avoid further adverse credit reporting, I remitted the past due payment ( XX/XX/2020 ). However, my account continued to report 30-days past due. 

I have contacted XXXX on subsequent occasions, however at this point XXXX dont know what to believe. I completely feel like PennyMac is misleading its customers with no desire to be truthful. 

This evening, I reviewed information published on Consumer Financial Protection Bureaus website. Source : https :  //www.financialservicesperspectives.com/wp-content/uploads/sites/6/2020/06/Sup-Materials.Blog_.cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.-GPremo-AChastain-CHancock.-June-2020.pdf. 

The information reads as follows, If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. This could occur, for example, if the accommodation itself brings the credit obligation or account current ( such as a loan modification that resolves amounts past due so the borrower is no longer considered delinquent ) or if the consumer makes past due payments that bring the credit obligation or account current. 

Notwithstanding, I paid the past due payment and the accommodation deferred subsequent payments. As such, the account should no longer be reported as delinquent to the credit reporting agencies. 

I am hereby demanding that PennyMac report my account as current as stated both verbally and in writing. I have fulfilled my obligations. PennyMacs continued and misleading statements is causing significant harm to me both emotionally and financially.
Consumer complaint received 2020-09-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-09-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

XX/XX/2020 I tried to create an account for myequifax.com to get a free credit report. It said I already had one and took me a page to login in, tried to log in and email/password did not match. Clicked forgot password and says I do not have an account and to create one. I tried to create one again, same thing stating I already had one and to login. Did forgot password again and said I do not have an account. This was all from my phone XX/XX/2020 I thought I would try from my laptop. Same thing as before. Tried to register you have already have an account, login, forgot password, no account found. 

I called equifax to see what was going on. I was on the phone for 45 minutes with her. Told her what was going on, she asked for my info, said I don't have an account and needed to register. So I tried again same thing as before. Did forgot password and nothing. Cleared browser history. We did this multiple times. She keep on saying you don't have an account, I was telling her it is saying you have an account. I asked for a manager or a different person she said they can't help me. I probably asked three times. We got no where, no free report, never was able to login. She did file a dispute for me, but I asked if I don't have an account, how can she file one? She said because she sees me in the system. That doesn't make sense to me A company should not be able have this much power in my finances when they can't have live effective help. Especially after they shared 100s of millions people information that lead to identity theft.