davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC (UT)

We applied for a mortgage loan with SOFI Financial the first week of XX/XX/2020. We locked in our rate for 60 days on XX/XX/XXXX. After sending in documents showing income, mortgage balances, credit report, we were told we were approved for our loan. Our home 's appraised value came out higher than we had initially valued it on the application ( so no problem there ). We received an estimated closing date of XX/XX/2020. 
When that date passed I contacted our loan officer to find out what the hold up was. He stated he'd look into it and get back to us. At that time he requested more documents that we had already sent in, but I sent them again.

When our loan officer failed to contact us over the next week, I contacted his supervisor and asked what the hold up was, since our lock was then expired, our estimated closing date had past. Within a hour of contacting the supervisor, our loan officer contacted us and asked for an explanation of a past foreclosure. I explained neither my wife nor I have ever been foreclosed upon, that there must be some mistake and why was this only now coming to light after they had pulled our credit report and twice informed us our loan was approved. I asked if this was retaliation for going to his supervisor. I asked if he was discriminating against my wife and I for some reason.

He said, " of course not '' just routine inquiry. He said he'd get our loan closed by the 90 day mark.

12 days later, after the 90 day mark, I contacted the company again to ask what was happening. I received an email asking for additional documents that we had already turned in several times and no other response. The email was the exact same email as 6 weeks before, that we had already responded to.

I believe SOFI is holding up our loan by requesting we send in the same documents over and over, hoping we'll cancel our application. Which is what I finally did after 93 days since we first locked in our rate.

We paid for an appraisal and wasted 90 days time on this matter. I can not prove it, but I believe my wife and I were discriminated against.

I requested a refund of the appraisal cost and {$2000.00} compensation for wasting 90 days of our time, and losing our rate lock, but I got no response on the matter.
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$860.00} XXXX XXXX {$0.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX   XXXX {$2000.00XXXX XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$95.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (KY)

Can not connect my bank account to a third party savings app that I have been using with no problems for six months. Now getting a notice that PNC prevents me from being able to link accounts to third party apps. Will be closing my account and moving to a credit union now that I can not send or save money through third party applications.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Comerica (NM)

The following reprinted advertisement is a lie. I have not been able to contact any direct express customer service agent over the phone. The mobile app and the web site are not adequate to address my concerns. A high call volume is no excuse for not being able to get through to a customer service agent or being hung up on. This is outrageous and my money is being stolen. By the time this letter arrives and is processed how much money will be taken out of my account? This has always been an issue with Direct Express for all the years I have had the card. NOT using the card does not resolve the issue. 

I am having an issue with unauthorized withdraws from : XXXX XXXX XXXX XXXX XXXX d/b/a XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX XXXX Already have a Direct Express card? 
For all questions related to the Direct Express card, cardholders should call : Customer Service XXXX Customer service is available 24/7 We handle calls related to : Reporting lost or stolen cards Balance inquiries PIN changes Transaction history requests Registering a complaint about a card issue Questions about card usage Questions about international card usage You can also write to us at : Direct Express, Payment Processing Services. XXXX XXXX XXXX XXXX XXXX, TX XXXX What good is this ad if you can not get thru. Plus you don't get a routing number and you can not update anything with out a customer service rep.
Consumer complaint received 2020-10-07
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: TRANSWORLD SYSTEMS INC (DE)

This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.
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. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to request the removal of certain information from my file. The items I deleted are listed in the attached report. I did not authorize these actions. 
I have reported the unauthorized use of my identity to the Federal Trade Commission ( FTC ), and other relevant documents. 
Please remove these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (KY)

Quicken Loans aka Rocket Mortgage committed to a 30 day close before taking the application with the caveat that due to low rates it would take no more than 40-45 days. They are so slow at processing the loan they keep re-requesting the  same information to delay the loan. They requested the P & L statements as the delay documentation request now for a third time. All third party services have been completed the first 10 days of XXXX. 
Secondary issue is bait and switch on a 15 vs 30 year mortgage after we were 6 weeks into the process. And the exorbitant Fees being charged were not properly disclosed and also substantially higher than quoted.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (FL)

I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do They said they tried to contact me thru a number I dont know if I have updated my contact information to XXXX or XXXX
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, I have 3 debt from XXXX, tatshow on my report. This debt has been paid. The 3 Collection accounts from XXXX, still show on my report I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. As of XXXX I have not received any notification of debt. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

The inquiries below are not authorized by me. 

XXXX Inquiry from XX/XX/2020 Misc. 
XXXX Inquiry from XX/XX/2020 XXXX XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Bank  XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Finance  XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/2020 I found out that Bank of America closed my two accounts - both checking and savings without notifying me the reason of closure. I hold about {$70000.00} in both accounts collectively. All my life savings are in these two accounts and now the bank keeps saying that my account is under review and they wont release the funds until the review is complete. I have reached out to several agents within Bank of America, but nobody is giving me a deadline on the funds release. All they keep saying is that it is under review and not completely closed. I don't care, I need my money. I have no money to pay bills, pay my rent. I also signed a home contract on which i had to make a {$70000.00} down payment on XXXX XXXX and all of that is now stuck. I want to Sue the bank no matter what. The people working on this from the financial institution are - XXXX, branch manager and XXXX XXXX - Senior VP and these individuals are completely useless.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capio Partners, LLC (IL)

I have recently put a dispute in through XXXX. The original creditor was XXXX XXXX. The amount is for {$910.00}. It says date opened XX/XX/XXXX. It has flagged my credit report 3 times, starting in XXXX XXXX XX/XX/XXXX. The result has plunged my credit score over 100 points! I am a victim of identity theft. Every year, the IRS has to send me a pin so I can file my taxes. This has been an exhausting, repetitive situation for years. On XXXX, regarding my dispute result, it says this account is scheduled to continue on record until XX/XX/XXXX. How can I remove this and get back my 100 plus points back to my credit? I have put a credit freeze through XXXX. I don't know what else to do. This is not my debt.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My wife and I had a joint checking account with USAA. Both my wife and I applied separately and independently for a USAA credit card. I was denied but my wife was approved and added me after the account was already in place as an authorized user. The bank instead put me down as a joint account holder. In XXXX, USAA closed our joint checking account without notice or explanation after being a customer for over five years. Because of the checking account closure, access to the online portal for the credit card as well as access to the online portal for my truck loan was removed. There was no way to see any information for any of my USAA accounts. As a result, all deposits and automatic payments for my credit card could not process through my checking account. USAA was aware I had no access to any of my accounts. In the meantime, my stimulus check was deposited into USAA and they took money from the check to cover a overdraft and mailed me the remaining balance. Approximately two weeks later, the check was received by me, which I had no way to cash since they closed my account and I had to open a new checking account elsewhere. As a result, USAA reported a missed payment on my credit for the month of XXXX. The missed payment was caused by USAA due to their removing my account access to pay the bill. I still can not access my truck loan online and USAA will not restore access for me to view my loan. Due to no notice from USAA that they intended to close my account and by removing my online access, they effectively caused the missed payment for XXXX and negatively reported it on my credit. There was ample notice and communication with USAA during this time frame and attempts to regain online banking to pay all bills prior to the credit card account ever being late. I promptly paid off the credit card approximately 2 weeks later when I received the close out check sent from USAA from my stimulus payment which was in XXXX and closed the credit card account immediately. Because I was only to be an authorized user, closing the account should have removed the credit card fully from my credit report but, because they listed me as a joint account holder, I now have a closed account with a missed payment for XXXX reporting on my credit. The missed payment for the credit card was a direct result of USAAs action in closing my account and removing all access to their online payments which caused the payment to be late.
Consumer complaint received 2019-12-02
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: EQUIFAX, INC. (CA)

I applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.
Consumer complaint received 2019-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

I purchased my vehicle in XX/XX/17. After it was totaled I pulled the contract and reviewed it. Line D - amount {$690.00} is the gap Contract and H - {$3300.00} is the XXXX Comp Contract which includes the gap insurance. I am charged for gap coverage twice. 
Additionally, I did not have the correct coverage for insurance. The lienholder did not ensure proper insurance coverage was on the vehicle. The car had gap coverage and I thought it had full coverage.
Consumer complaint received 2019-12-02
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}.

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 ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.