davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

My home insurance company ( XXXX ) claims ( as of XX/XX/XXXX ) that I have not paid for my home insurance because the bank ( Suntrust, now Truist after merger ) managing my mortgage and escrow sent a " bulk check '' with 60 different mortgage holders on the check, and the insurance company is/ has been unable to connect this bulk check to my insurance account. 

The check was sent from Suntrust, now Truist, to XXXX on XX/XX/XXXX. The due date from my insurance company was XX/XX/XXXX. 

Suntrust, now Truist, believes they have paid the escrow, while XXXX believes they have not. I and possibly 59 other mortgage holders are caught in between. 

The bank claims they can not confirm whether or not the insurance company has received the check until 30 days after issuance of the check by the mere fact it was a bulk check and the insurance company is given 30 days to process it. I have no idea if this is a true statement, whether there is a financial law or regulation making it so. 

But because of this delay, this automatically means escrow payments will be late in the eyes of the insurance company. 

My other concern is the bank will do the same for my property taxes. 

XXXX has extended my grace period for one month, though because of the holidays, this gives me maybe 2 or 3 days to resolve the problem. I shouldn't have to be the one to resolve it. 

Suntrust, now Truist, gave me the check number, the check amount, and the number of names on the check on XX/XX/XXXX. They claim that they can't check whether the check was cashed until XX/XX/XXXX. XXXX at XXXX was the point person at Suntrust, now Truist.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

I placed an order for an XXXX computer and accessories on the XXXX XXXX XXXX on XXXX XXXX, 2021, using the 0 % 12 month financing offer on the Apple Card ( by Goldman Sachs ). Typically, the taxes for financed orders are charged immediately. In this case, the taxes were {$110.00} for the XXXX. I cancelled the order within an hour, as I noticed I forgot to include some items that I wanted to finance. The order was successfully cancelled by the XXXX XXXX XXXX and the installment plan was successfully closed out on my Apple Card ( by Goldman Sachs ). 
My problem is that the {$110.00} pending charge for the taxes on the order never dropped off of my card. I have called and complained numerous times in the past 5 months to both the XXXX XXXX XXXX and Goldman Sachs for the Apple Card. Both send me in circles for hours and are unable to help me. 
I would just like to get this charge removed, as it is affecting my available credit and reporting balances.
Consumer complaint received 2021-12-17
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: CREDIT ACCEPTANCE CORPORATION (FL)

I have contacted this company to get them to update the balance information because the car was repossessed in 2015 of XXXX and they report every month as if Im making payments late the information thats being reported is an accurate the balance keep going up when there has been no payment on this account in over 6 years, This account has reached its lifetime and needs to be removed because it has been over six years with no payment on the account. I have disputed this account through the credit bureaus on multiple occasions and still end up with the same results they verify the account and nothing changes they change the balance in the amounts from time to time and the report any information but the account is still not remove
Consumer complaint received 2024-08-27
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. (WA)

In accordance with Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  ( XXXX accounts total ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. US DEPT OF EDUCATION XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 USC 1681 section 602a. States that I have the right to privacy.

15 USD 1681 section 604a section 2 States and consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seve years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
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 am writing because I have submitted multiple request to XXXX, XXXX, and Experian about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

I had closed my Discover card account. Now I have a lot of credits coming to my account from merchants for returning merchandises, I paid for with Discover card. I gave a specific instructions to have all my credits to be deposited directly to my checking. For 3 weeks I've sent numerous emails to XXXX XXXX XXXX, one of the executives, reporting the problem getting those credits deposited to my checking account and the problem hasn't been resolved. The person, who was assigned to my case, XXXX, didn't return any of my phone calls. When I opened my account file on the website, I saw credit for {$220.00} posted on XXXX and when I called Discover, they didn't have that transaction on their records. Also on the same day I had {$1300.00} deposited to my checking account and then taken back and nobody could explain to me where the money came from, why it was deposited and then taken back and now I ended up having a balance I have to pay.
Consumer complaint received 2021-12-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (VA)

I need this removed from my credit report. It is stopping me from buying a house at this point. I never owed this money. They have not worked with me ..... Despite what they claim. PLEASE REMOVE THIS.
Consumer complaint received 2021-12-16
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I had opened a membership with the merchant XXXX XXXX. I attempted to cancel my membership with them several times, they refused to cancel. They continue to charge my Chase checking account XXXX. I called chase, told them the situation and placed a merchant dispute claim. I also asked them to block the merchant from charging me. Chase requires documentation to be signed to accept the claim. That same day, I notified chase that I had moved addresses, therefore they updated the address on file. When they did that, their system blocks any letter from being able to be sent to me for 30 days. This then blocked the ability for me to receive the letter they needed to be signed. I am now seeing more charges from XXXX XXXX, in addition to my claim being denied.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Names : I am not XXXX, XXXX or XXXX Addresses : I do not reside at XXXX XXXX XXXX XXXX Ga XXXX or at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX or at XXXX XXXX XXXX XXXX # XXXX Ga XXXX I am disputing delinquent accounts 1 XXXX XXXX 2 Experian 3 XXXX I am disputing Derogatory accounts 5 XXXX XXXX 4 Experian 5 XXXX I am disputing public records 2 XXXX XXXX 2 Experian 2 XXXX I am disputing the company XXXX I am disputing XXXX XXXX XXXX XXXX account I am disputing bankruptcy for the dates of the following : XXXX which the date is on my report twice XXXX also on my report three times XXXX XXXX they all were dismissed.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XXXX XX/XX/XXXX, I made a purchase in the amount of {$31.00}. This left my account XXXX. On this same day, I had automatic payments come out in the amounts of {$40.00} and {$10.00}. According to XXXX Bank, any overdrafts which occur for less than {$5.00}, you will not be charged an overdraft fee. Not only this, XXXX has advertised a grace period to deposit a cash deposit to cover any overdrafts by midnight the following evening. I made a cash deposit in the amount of {$120.00} on Saturday morning, XX/XX/XXXX. On Monday,  XX/XX/XXXX, I was charged 3 overdraft fees in the amount of {$37.00} each for the 3 charges made on XX/XX/XXXX. After contacting XXXX twice, I was told that there is nothing they can do because my cash deposit did not post to the account until Monday the XXXX even though it was made on the XXXX.
Consumer complaint received 2021-12-16
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 AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Equifax with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Equifax removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Equifax received all documents and supporting evidence of my complaint through the mail on XX/XX/XXXX.
Consumer complaint received 2021-12-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I am very upset with this issue. I sent a letter to the Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-15
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. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXXAccount # XXXX. In these months I have not received a notice in 45 days and show that this account is out of investigation. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NY)

I'm having trouble with 21st mortgage company and was told by them more then once I'm not behind and I'm being threatend by them they are saying if I am 1 day late will sue you by one supervisor the other supervisor I spoke with I asked then to wait on the other XXXX dollars for XX/XX/2021 a and I'm going true vary financial hard ship since my wife passed away in XXXX of this year ever since they been vary demanding and told me will list your home for sale and for close on you i said to them wait till the XXXX the of XXXX after thy told me i was all paid up for this month and i made other arrangements to pay on my car so it wouldn't get repoed then thy said CANT YOU DO THE MATH you sent in 2 pYments and witch i didone on thee firest and another on the XXXX that dont add up after thy told me i was paid in full this month i need help
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (CT)

On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (IL)

On XX/XX/2021, I received in the mail a debit card registered to my name with account information ( account number and routing number ) from ChimeXXXXXXXX XXXX Bank XXXX I did not open an account with Chime and had never heard of this bank. 

I immediately called XXXX, the number listed on the card to inquire about this account and spoke to " XXXX, '' who started taking notes without asking me the account number or any other information about the letter, rather he insisted that I provide the last four digits of my social security number. 

I provided my email address, my name and offered to provide the account and debit card number but he refused the account information and insisted on knowing the last four digits of my social security number. I insisted that at least take the account number so that he could block the account from any fraud incurring on it, however he said he can not do that. I asked for a manager, and he said that he is the supervisor and that is the highest level a customer can be provided on the phone. He also mentioned that he is stationed overseas and can not transfer me to U.S. support or anyone who can close the account. Rather, he notified me that Chime would contact me via email to respond to my inquiry and did not close the fraudulent account as I had requested.
Consumer complaint received 2021-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC (GA)

I contacted my mortgage company on XXXX to ask what my options were regarding modifying my mortgage. I spoke with XXXX in loss XXXX and she suggested that I apply for a Covid Forbearance since I had lost my previous job and then apply for a mod. It was my understanding at the expiration of our call that the Forbearance had been applied for. I called back on XXXX to obtain an update and was told that the Forbearance was never entered into the system. At that time XXXX stated that she would enter the Forbearance and I requested a call from a supervisor to file a formal complaint and to get an understanding as to when I would hear back about the request. I never heard back. I called back on XX/XX/XXXX and was told that it was still under review and that a manager would call me back from loss mit. I never heard back. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX only to be given the run around once again. I can not get anyone from loss mitigation to call me or to answer any definitive questions regarding the request for a forbearance. It ridiculous to have to call back so many times and not I feel like they are just giving me the run around. I then requested the number or email for the regional bp or district manager and was told they could not provide that information..