davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Call XXXX ( 4 ), Equifax XXXX XXXX XXXX XXXX  ( 5 ) to have all inaccurate address to be removed, ( XXXX every is reporting 2 addresses with 2 street names ) XXXX ( 2 ) inaccurate names to be removed. ( I do not have a middle name ) all 3 are reporting different version of inaccurate addresses. 

this is what my request was, I noticed youre reporting inaccurate personal information on my credit file, please review my request below. 
My only name is XXXX Please delete any other names you are reporting. 
My only address is XXXX  Please delete previous addresses you are reporting as they are inaccurate. 

I was told that they can not be removed as some addresses are begin reported as accurate by creditors and can not be removed.
Consumer complaint received 2017-11-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HOME LENDING GROUP, LLC, THE (MS)

I purchased a home on XX/XX/XXXX, through The Home Lending Group, located at XXXX XXXX XXXX, XXXX, MS XXXX, contact number XXXX. I was contacted by XXXX XXXX, contact number XXXX, regarding the fact that they were having difficulty in selling my loan to XXXX XXXX. They advised me to have modifications made to my homeowners insurance policy to meet the criteria that XXXX XXXX   required. This would increase my monthly mortgage payment by {$70.00} per month. However, once I advised them to send me that request in writing they advised me that they had been able to have XXXX XXXX  to make an exception in my case! At that point I was called by another representative and asked to make my mortgage payment that day XX/XX/XXXX because XXXX XXXX  wouldn't be able to buy the loan until I made the payment which is documented as {$740.00}. I have paid this mortgage amount for the last two months and I have received a statement from XXXX stating that my mortgage payment is now {$770.00} and will be {$780.00} monthly for XXXX. While the amounts are small I do not understand how my mortgage payment can change during the first year. Additionally, the Home Lending Group is the most unprofessional mortgage company I have had the misfortune of dealing with, the incompetence was and is astonishing.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXXXXXX XXXX XXXX on XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXXXXXX XXXX XXXX on XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TN)

My employer opened an HSA account on my behalf to supplement my HDHI ; I make bi-weekly contributions directly from my paycheck into said account. Verified identity on XX/XX/2020 w/ HSA Bank via customer service rep ( on phone ), submitted required documents via e-mail form sent by rep. I set up my online banking, ordered my debit card, & added my wife as an authorized user. On XX/XX/2020, checked my online banking w/ HSA Bank to confirm funds were available to pay for an upcoming XXXX  procedure on XX/XX/2020 ; funds showed a {$0.00} balance, instead of the {$600.00} that should have been available. Description of debit listed " Excess cash disbursement ''. Upon calling HSA Bank, I was told that my account had been closed due to failure to submit required identifying documentation. I was also told that 2 letters had been mailed to me prior to closure. ( I have received nothing of the kind, just my debit card & my monthly statement ). Also, there were no messages in my online banking inbox. I told the rep that I had submitted these docs via e-mail, & that obviously someone had received it, as I was able to activate my debit card, set up online banking, change my mailing address AND add my wife as a user. They recommended I call back the next morning & speak to the Operations department, as I had the successfully sent email in my Sent fold on Outlook still. I did call back on XX/XX/2020, & was told " Oh, we found the form you sent, it's taken care of ''. We will issue a stop payment on the outbound check & put your funds back into your account. You will see them by XX/XX/2020, at the latest. '' As of XX/XX/2020, I have not received my {$600.00} back into my HSA ; I received the check issued on XX/XX/2020, call HSA Bank today, & was told the check was void & they were still working on putting the funds back into my account. THIS IS TOTALLY UNACCEPTABLE ; I did have my XXXX procedure on XX/XX/2020 & had no way to utilize MY MONEY that was set aside specifically for this need. There was no error or oversight on my part, HSA Bank has negligently handled not only my personal information ( a copy of my driver license & social security card, along with my signature ) but my money that I entrusted them to keep sound. I still have no timeline as to when I will receive my {$600.00} back, & no explanation or theory as to why my personal information was not handled properly or competently.
Consumer complaint received 2017-11-23
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. (CA)

I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (NY)

This was reported and paid under travel restriction by XXXX credit card back in XX/XX/XXXX or prior debt recovery solution insist on reporting credit or debt knowingly it was identity theft I again paid to debt recovery solution today asking to remove from credit bureau I was XXXX when debt was accrued I need to restore my life and remove from all bureau spoke to XXXX they indicated they have no interest in this account
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (GA)

I requested validation of two accounts that appeared on my credit report from Commonwealth Financial Systems. In my letter I specifically requested VALIDATION. In response they sent me two separate supposedly itemized statements in which looked liked something they created. There was no documentation provided that actually verified that I visited and received services from the alleged medical provider.It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations.
Consumer complaint received 2017-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I reached out to the CEO of Capital One via email. The email I sent over was a goodwill letter asking for forgiveness and an adjustment for 7 late payments that I acquired from XX/XX/XXXX to XX/XX/XXXX. I explained in the letter that my late payments were due to financial hardship. During that time, I had lost my job and suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a call from a XXXX from the executives office on XX/XX/XXXX regarding the letter basically informing me that theyll look into the matter and by the end of the week, I should expect a response. The following day, I received another call from XXXX at the executives office stating theyre not willing to adjust the payments but refused to inform me why they chose to decline. Attached is the letter that I sent via email to the CEO.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

**Subject : Complaint Against Experian for Violations of FCRA and Privacy Act of 1974** Dear CFPB, I am writing to formally file a pre-arbitration complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. Experian has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. 

Moreover, Experian has shared my transaction history with affiliated companies, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account in violation of both the FCRA and the Privacy Act of 1974. 

I request that Experian update my credit report to reflect all transaction histories as zero and ensure that all accounts are reported as current. Experian has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings. 

These actions by Experian represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I went into an HSBC bank to change my name after I got married. While there, the banker told me he would send the forms to my phone. I clicked and signed where he told me to sign. A few days later, I checked my account and saw that a credit card was opened in my name. I called the banker and he said we had discussed opening the card even though that never took place. He then told me not to worry because it was a soft pull. My husband called the banker, XXXX XXXX, later who then changed his story to say it was a hard pull, not a soft pull. We tried to resolve the issue through the bank but they are saying there was no error. The bank manager even tried to convince us to keep the card because the benefits are so worthwhile.
Consumer complaint received 2017-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
Consumer complaint received 2017-11-23
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. (TN)

Equifax is not deleting inaccurate information from my credit report. There was a medical collection placed on my credit file that should not have been there. I called the medical provider as well as the collection agency ( XXXX XXXX ) and the issue was resolved. I spoke to the collection agency at the end of XX/XX/XXXX, and they stated they would submit the account to be deleted from my credit reports on XX/XX/XXXX. I waited 30 days, and contacted the collection agency again because the collection was still showing up on my credit report. They stated they submitted the request for the account to be deleted on XX/XX/XXXX and to wait a few more days. So, I waited until XX/XX/XXXX, and I called the collection agency again and the rep stated the same thing, they submitted the request to have the collection removed on XX/XX/XXXX, and went ahead and sent it again on XX/XX/XXXX. So, I called Equifax on XX/XX/XXXX. Spoke to 3 different reps, the first one was unable to assist me. The 2nd representative who was a US representative was VERY RUDE ( she did not state her name ) nor did she even ask me what account I was calling about, I told her a collection account was submitted to be deleted and it is still on my credit report, she put me on hold for several minutes and got back on the phone and stated nothing was submitted to be deleted. She did not even know the specifics of my inquiry. VERY UNPROFESSIONAL. I asked to speak to a supervisor and the so-called supervisor ( XXXX ) and asked for the previous reps name, he stated he did not remember her name. I filed a complaint with him and left my phone number and never received a call back nor has my issue been resolved. 

The collection account is still showing up on my credit report and it has been almost 2 months since it was requested to be deleted. The collection agency sent me a letter confirming that they submitted the collection account to be removed from all three credit bureaus. I have attached the letter from XXXX XXXX. 

I 'm not sure what the deal is with Equifax but the collection account for XXXX XXXX listed on my credit report NEEDS TO BE REMOVED IMMEDIATELY!!!!! Do not respond and state you launched an investigation and that I have to wait 30 days. That is UNACCEPTABLE SINCE I HAVE ALREADY WAITED ALMOST 60 DAYS!
Consumer complaint received 2017-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TN)

XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment
Consumer complaint received 2017-11-23
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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

My account at Union Bank of California is XXXX. This is a business checking account. I have a mastercard cash card. On XX/XX/XXXX a charge of {$2200.00} was run on the charge via mastercard to " XXXX '', which is a division of XXXX. I did not make this charge, and immediately disputed it. I went to the office of the bank several times and discussed this with them and filed a complain in writing. I spoke with XXXX XXXX, XXXX. A month has passed now. So far all I have gotten from them is excuses, but there appears to be no plan to ever return my money. 

Once they realize that a charge is fraud they should return the money right away. There is no question that this charge is fraud. I did n't buy anything from XXXX. 

When I go to a bank and make a deposit it is to keep the money safe. It is their responsibility to keep it safe. Union bank seems to feel no obligation to me, as a depositor, to keep my money safe. I am very unhappy. If they do n't want to protect my money they should not be in the banking business.
Consumer complaint received 2017-11-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

This is a formal complaint after directed harming to my person by this corporate named Experian which is one of The U.S. 3 major credit bureau.Experian in an act of revenge against my person and since I complained about their process of disputing a collection on my personal credit report, Experian put all kinds of computerized blocks ( experts knows what that means, I couldnt find a specific name to that sort of blocking someone while he/she typing in an online form to be submitted electronically ) to prevent me from adding a personal statement to my personal credit reports that showed a collection with XXXX XXXX XXXX as the original creditor. I spent hours to try add the statement after following the Experian website instructions on adding personal statement ( I have plenty of legal PDFs files to proof this waste of my time by Experian and their unethical business behavior ). I finally submitted my request to add a personal statement to my personal credit report by accepting whats shown in the attachements, however there were forced letters added to the name of the original creditor ( instead of XXXX XXXX XXXX, you can see in the attachement that Experian forced that to be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Experian targeting of my person that was demonstrated in that incident and many others that I have right to bring to court when I decide to do so after reviewing Experian detailed response to this complaint and I will not accept scripted or general statement from Experian to just show off that they responded to my complaint. I am expecting a detailed information about the unethical business behavior of Experian. I hope anyone from the U.S regulators who reads this formal complaint against Experian to please stop my sufferance with this credit bureau ( Experian ) that harmed my financials and denied my right to add a personal statement and other harms that regulators can contact me directly and I will provide all the necessary documentations of my claims to them. I hope that someone will stop Experians unethical business behavior that prove this compnany is not a U.S citizen corporate but a destroyer of U.S citizen. I demand my rights to be respected and fulfilled by Experian who denied them as described above. This formal complaint was Signed by me today XX/XX/2017  Respectfully, a U.S Citizen
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I requested a Bill Payment from the Wells Fargo Online Bill Pay service to pay a property tax payment with the county. A payment of {$5200.00} was due on XX/XX/XXXX. I scheduled a payment on XX/XX/XXXX for that amount. The county treasurer requires the payment be " postmarked '' by the due date. 

The check was received by the county on XX/XX/XXXX without any mark on the envelope to indicate when it was ordered, issued or mailed ( due to the nature of the bulk mail. Because of this I was charged {$520.00} as a " late fee '' despite having ordered my payment and had it in the post for delivery on XX/XX/XXXX. The county was unwilling to waive this fee due to `` county law '' requiring a  physical postmark. 

When I complained to Wells Fargo that there was no indication, notification or warning about the lack of postmarks on bills mailed through their " Bill Pay '' service, they refused to compensate me in any way or recognize the lack of adequate disclosure in their service. When I asked where this information was conferred to the customer, they referenced their Online Access agreement, which was no less than 7 clicks away ( outside of the BillPay application itself, listed under " Customer Support '', not under the Privacy/Security/Legal link on the bottom of the page ). Deep within another subsection and heading, finally in the bowels of hundreds of pages of fine print, there is an obscure reference to the reliability of postmarks amongst XXXX clauses to help XXXX the consumer over in multiple different exception scenarios. 

No normal human would ever find this information in the normal flow of paying a bill, let alone in the process of opening an account. No notification was given, no guaranteed delivery date offered, and after multiple conversations with the bank and the county office, it became evident that the county office was receiving payments in a single envelope that had been issued across multiple days of customer requests in the Bill Pay system ( the result of a bulk mail vendor relationship the bank uses to cut costs ). 

This is completely unacceptable. Human readable, discoverable and relevant information needs to be provided to a consumer when they are accessing services designed to " pay bills '' the same as when they are borrowing money. In reading through the agreement it is evident that the fine print is intended to completely absolve the bank of any liability for actually paying bills, and rather to allow for every possible exception to the expectation that they actually reliably deliver the service they advertise. 

I want my {$520.00} back.