davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NM)

I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 

I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. 

The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

If my pleas for justice continue to fall on deaf ears, let it be known that I am prepared to take drastic measures to protect my rights. I will not hesitate to enlist the aid of legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this ordeal has inflicted upon me. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they warrant. 

My distress and anger are immeasurable, but so is my resolve to see justice served.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account NameXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NV)

In XX/XX/2024 I contacted Chase via phone to request a credit limit increase on my Chase credit card. The following day, I received a voicemail from someone claiming to be from Chase customer service, asking me to call back regarding my recent request. 

I returned the call and was prompted by a recording to enter my Social Security number. After entering it, I realized something was amiss. When I was connected to a representative, she spoke with a thick accent and was unprofessional in her demeanor. She asked for my date of birth, but I declined to provide further information, feeling uncomfortable with the situation. I promptly ended the call. 

A few days later, I received a letter purportedly from Chase. Upon closer inspection, I noticed that the phone number in the letter matched the one I had called earlier. This raised suspicion that the letter was fraudulent as well. 

I contacted Chase immediately and requested them to check for any new accounts opened under my name. They identified an attempt to open a new account, but fortunately, it was rejected due to my credit being frozen. 

OnXX/XX/2024, I requested a credit limit increase again, this time using the Chase app on my cellphone. Subsequently, I received another letter from Chase that was identical to the fraudulent one I had received in XX/XX/2024This leads me to believe that my request for a credit limit increase, whether made by phone or through the app, is somehow being leaked to a fraudulent group. 

I have sent the fraudulent letter to Chase for investigation, but their response has been indifferent. I am reporting this incident to bring attention to the ongoing security issue and to seek appropriate action from Chase.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (TX)

I attempted to apply for a loan modification for the past year but wasn't sent a package to apply until XX/XX/XXXX. I immediately applied but wasn't given an answer ; rather, a foreclosure was sent to me on XX/XX/XXXX, with a foreclosure date of XX/XX/XXXX. 

Yes, I fell behind due to undergoing XXXX back surgeries, XXXX, and high inflation, but I was willing to pay what I could to stay in my home and could afford the current mortgage of $ XXXX  monthly.
Consumer complaint received 2023-11-06
Product: Credit 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: NAVY FEDERAL CREDIT UNION (FL)

I filed a claim with Navy federal fir unauthorized charges on my account around XXXX XXXX XXXX weeks later XXXXXXXX XXXX my account was adjusted and all were refilled to my account. There were around XXXX unauthorized charges on my account and I dont believe Na y federal did a fair or proper investigation into the fraud charges. I never received any type of call or notice from a investigator or anyone they just reviled my account for all charges and did not properly investigate it.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a small business account ( XXXX XXXX XXXX ). On XX/XX/XXXX, were made 4 unauthorized ACHs from my account to a company called XXXX XXXX, in value of {$490.00} each. I have no idea what is this company. These transfers were frauds. So, I called Bank of America and proceeded in the manner they instructed me. After that, I only received one email saying they will investigate my case and will return in 60 business days. I think this time is unreasonable and the email is vague. I can't wait for more than 2 months to have my money back that was stolen from my account. I have bills to pay and I understand that I trust my money in the Bank, I pay fees to have security, so my money can't simply vanish from my account, without explanation for so long time. I started making many calls trying to understand if the Bank was really investigating my case and when I would receive my money back. Believe it or not, I called almost 10 different numbers that the Bank provided me, trying to get transparent information. Each time I called the attendant told me to call in another number and so on. Today, XXXX, I called XXXX and the attendant told me that wasn't sure the Bank would refund me even after I waited for this long and unreasonable time to get an answer. I asked her for a written answer about what the Bank was doing to solve the question but she denied it. They say all callings are recorded. So, my proofs are the records of almost 10 callings. The Bank failed to keep my money safe and I would like to have it back as soon as possible, because the delay is jeopardizing my financial life.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

They are reporting late payment and it is making my score drop. It was supposed to be automatic out of my account. They admitted and apologized but said they cant do nothing about it to contact credit company. I need this off my credit. I have never been late on none of my payments. They made the mistake
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC (LA)

On Thursday, XX/XX/2023, American Credit Acceptance had XXXX XXXX come repossess my car bc I was behind 3 months. I sent a letter priority mail to the company explaining that they were doing was against the law with the following codes : XXXX XXXX, ucc XXXX XXXX tender of payment ), ucc XXXX ( negotiable instrument ), and XXXX XXXX ( without predjustice ) and explained each one to them. I explained to them that the coupon was a form of payment. On that day about two hours after I got home they came to take my car and I had to pay almost {$1900.00} to be able to get out of XXXX XXXX. XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting 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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MA)

Self Inc misused my report and recently closed my account despite multiple attempts to dispute items years prior and now that I have financial strain due to XXXX family members they seem to have closed my account and negatively affected my credit report
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXXXXXX XXXX  will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for experian or other as they won't update paid off accounts,. 

XXXX XXXX, XXXX XXXX and XXXX online.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights. 

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly. 

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being. 

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.
Consumer complaint received 2023-01-20
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2023 to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (MA)

On XX/XX/2023, I paid my mortgage as usual with Freedmom Mortgage, but when I checked my account on XX/XX/XXXX, I noticed that the mortgage payment had not been deducted. Worried, I immediately called the mortgage company but the call was disconnected after the automated service stated that a payment was made on XX/XX/XXXX. This was not enough information for me, so I called again on XX/XX/XXXX and spoke to a representative. The representative informed me that my bank had reversed the payment and that I owed a late fee. 

I was confused because I pay all my bills from the same checking account and I have never missed a payment or been late before. Moreover, the mortgage company had increased my mortgage back in XXXX or XXXX, even though I have a fixed rate. This had already led to an incident in XX/XX/2023 when my payment was not processed because I did not listen to the confirmation number in its entirety. When I called back in XXXX, the representative told me that it was my fault, which made me very angry, but the representative stated she saw where I made the payment and honored my on time payment. 

During my call on XX/XX/XXXX, I insisted that the mortgage company was at fault and asked to speak to a representative while having my bank on the phone. The bank informed us that they never received anything from the mortgage company. However, the representative still told me that I owed a late fee. This is not fair to me as a loyal customer who makes payments on time. I have worked hard to purchase this home, and my elderly mother lives with me and I am not going to put my family in jeopardy as the United States of America is in a housing pandemic. 

Moreover, whenever I reach out to the mortgage company, a representative tries to persuade me to refinance my loan which I have refused several times. Unfortunately, on some occasions, I had to deal with a rude gentleman who talked down to me and belittled my character. He even went on to imply that I could not afford anything apart from an FHA loan. However, my credit score was good enough to secure my home and I strongly believe that I deserve to be treated with respect and dignity. Thank you for your attention to this matter. 

I have provided screen shots from when I called the mortgage company to pay on XX/XX/XXXX and the calls, thereafter. Thanks again.
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (WA)

We were working with XXXX to do repairs on our home. They referred us to enerbank to get a loan for the repairs and they called their enerbank representative on their phone to lets us talk to them and apply. It was explained that the loan will be same as cash for repayment until XXXX of XXXX. The interest rate then would be 19.99 %. I work in the lending industry and made sure to confirm that the information was really clear to me before making the decision to move forward with the loan. Our intention was to pay the loan off before interest would be applied. I recently made a larger payment to the loan and decided to review all the statements. This is when discovered that interest was being charged off each payment. I assumed this was a mistake and contacted Enerbank on XX/XX/XXXX to clarify. The representative explained that the same as cash was if I were to pay it off I would pay any additional interest however as I'm making payments interest is still accrued daily. This was not how the loan was advertised or disclosed. We would have not gone forward with the loan or renovation if we had been aware.