davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (NY)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-06-22
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Report # XXXX on XX/XX/2020 from XXXX  verified the acct as being accurate but the communication I received on XX/XX/2020, from a direct dispute with XXXX XXXX XXXX XXXX provided a different alleged amount due, a different address and company name from what is being reported on my credit report. This subterfuge being portrayed can not be verified or validated. It is hurting my ability to obtain credit and financial wellbeing.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-07-25
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. (NJ)

XXXX is reporting in correct information on my credit report I make on time payment and its reporting has late with all these fees and interest rates and caused damages to my credit reports In accordance with the fair credit act this creditor has violated my rights under 15us c1681 section 602 I have the right to privacy 15 us c 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 us c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose Looking at my report after my complaint the creditor has my account in current then reporting has late when I make timely payments On XXXX XXXX I made a payment on XX/XX/XXXX, I made another payment creditor has my account in current payment is due on XXXX XXXX reporting inaccurate/ incorrect account balance and payments and I got a notification from XXXX that my payments was reported late by XXXX
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

XX/XX/20. PNC is not connecting with a grant funding company and it won't allow access to grant funding. PNC claims there is nothing more they can do. Meanwhile I'm XXXX  out of grant funding for because they can't electronically transfer funds to my business account.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXXXXXX XXXX XXXX I was aggressively pursued by a representative of Citizens Bank to apply for a home mortgage loan I didnt need. In XXXXXXXX XXXX XXXX I signed a contract of adhesion in a fast food diner. I received the loan proceeds at closing on XX/XX/XXXX and commenced timely repayment. Unfortunately, Citizens incorrectly processed my payments. That information was revealed to me by XXXX XXXX XXXX, a Citizens customer service manager. Citizens nevertheless reported me 60+ days delinquent for the months of XXXX, XXXX, and XXXX, for which I have e-mails from Citizens acknowledging receipt of my payment. Parenthetically, I am accused of being 180 days delinquent during a period of 153 days. The result is a loss of more than XXXX points from my otherwise impeccable credit score. I have tried countless times to resolve this with Citizens collections department. All I get is the runaround. Days ago I received a sheaf of hardly dispositive papers from Citizens purporting to demonstrate that I failed to make timely payments, when I have records of receipt for this entire year. If I am so abusive of credit, how did I get fast track loan approval from Citizens in the first place? Please help with this matter.
Consumer complaint received 2024-07-25
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. (MN)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

When Hurricane Irma tracked through Florida in 2017 we had damage to our property where we reached out to the servicer Roundpoint for assistance for one payment to help pay for repairs that insurance did not cover, they advised area has been designated by FEMA and they were offering assistance for impacted borrowers. 
We were advised there would be no negative impact with any credit bureau reporting and no fees and account was placed in a Forbearance status. 
We completed the trial payments and accepted modified terms. 
The account did report to the credit bureau late but was later corrected by the servicer. 
The complaint I have is the loan level advance fee for {$15.00} that was charged from the property inspection that was ordered from the modification. 
Our area was a FEMA designated disaster area, Roundpoint advised no fees while account was in Forbearance status. 
I have tried twice to have fee waived, they said would escalate to their appropriate department for review and still no adjustment. 
Other than the assistance I asked for from Roundpoint, I have never been late with a mortgage payment, they would not waive for even customer first I have no confidence with Roundpoint to further assist me with matter
Consumer complaint received 2020-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (KY)

Sold vehicle I had financed with Chase Bank. I owed {$25000.00} and sold vehicle for {$30000.00}. Buyer sent check ( was told it was a cashiers check ) directly to Chase bank. Check was rec 'd at Chase on XX/XX/20. I contacted Chase on XX/XX/20 and was told loan was paid in full. I specifically asked if it was okay in releasing vehicle to buyer. I was told yes, it was a recorded line so this should be verifiable. I was told it would take approximately 10 days for the additional funds to reach me. On XX/XX/20 buyer provided sent me a proof of insurance on vehicle and arranged for a local towing company to pick up the vehicle. On XX/XX/20 I reached out to Chase Bank again on status of check that was to come to me and was told the check had been mailed out. On XX/XX/20 Chase mailed me the vehicle lien release. On XX/XX/20 after still not receiving the check I reached out to Chase who advised the check mailed to me certified check and been intercepted because the buyers check had a stop payment placed on it on XX/XX/20 and therefore the loan was reinstated. At this point the truck is no longer in my position and Chase has been completely unwilling to help and continue to state my next payment is due on XX/XX/XXXX. I've spoke with their fraud department who said it was a said situation, but there was nothing they could do. I've asked Chase for a copy of the check and they said they would mail it to me, but haven't gotten it. I do not understand how Chase can accept a check on XX/XX/20 and it allowed to be stopped XX/XX/20. Of course the buyer 's number is no longer in service, the police has went to the location that the truck was delivered and it isn't there, the address the buyer gave it to an office building. I felt having the check mailed directly to Chase and waiting for them to advise us when it was safe to release possession of the truck was being extra cautious and they are blaming us for the issue and told us just to turn it in to our insurance. This will cause our rates to go up and be possibly dropped.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XX/XX/XXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.
Consumer complaint received 2024-07-25
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. (NV)

This complaint with Experian I received notification that their investigation is done and the results are done and they did not take anything off their report even though it is required of them. Nothing changed on the report. Again how did this company verify this information when the other reporting agencies are frozen. Since the collections are on there that is a violation for that to be on my account as both of those collections I do not have a contract with. I have tried to take care of this civilly. Attached is XXXX XXXX form as this company has been given opportunities to correct this and have not. This XXXX last attempt for them to stay in honor will be given they have a week to correct these or I will be filing XXXX XXXX and going after them for damages as well as securities fraud and identity theft as I have not given permission to Experian to report anything on my report. Attached again is the charge off snipit from the IRS law who I will be reporting this to also. 
Again I opt out of anything being reported on my report as well as I have revoked any POA they may have through the IRS. That will also be
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXd 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 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
Consumer complaint received 2020-07-01
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am writing regarding Bank of Americas handling of a claim on my Unlimited Cash Rewards Visa Signature ending in XXXX. 
I have fraudulent charges on my credit card. The transaction is a recurring charge of {$29.00} from a merchant titled XXXX When I first noticed the charges I went to XXXX to see if it was something I was affiliated with. There was no website published at that time. I then created my fraud claim online and hoped the issue was then resolved. It was not. The charges were refunded and I was sent a new card, but then the charges began appearing again. I would try to file a new claim online and Bank of Americas website/app would not let me. 
I called Bank of Americas claims department. The assisting associate advised that there were many more charges that were not included in the first claim. I was not aware of these charges, I thought I had selected all of the fraudulent XXXX transactions in the initial claim. The representative completed the claim and advised the merchant would be blocked and I would receive status updates on my claim. 
The update I received was that my claim was partially denied due to making payments on the account. The transactions in question are all from XXXX. To say that some are fraudulent and some are not doesnt make sense. Also, I am required to make my payment. 
Ive worked for Bank of America for a decade, mostly within the fraud prevention department as a fraud associate and leader. I and my teams would continuously advise clients they were 100 % protected against fraud and have 0 % liability for fraud charges. This was a phrase senior leadership required us to state on every call, just as the agent assisting me with my claim did. Im asking for this issue to be handled as such. 
I did further research on this " merchant. '' According to XXXX, The XXXX domain was created on XXXX. XXXX, a website whose purpose is to snapshot websites for its historical archive, first noticed a website associated with the XXXX  domain on XXXX.I have no affiliation with this webpage nor do they provide me any good or service. 
At the current time, XXXX redirects to a XXXX  The transaction continues charging on my credit card and I am scared to pay my bill. 
I am currently suffering from a XXXX that is keeping me from working. Between my issues with XXXX handling of my XXXX and the banks handling of this issue I am feeling discriminated against and helpless. Please help me.
Consumer complaint received 2020-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I applied for Covid19 mortgage assistance at my bank, Wells Fargo, after they posted the availability of their program on their web site on about XX/XX/ 2020. They said that no late payment would be reported to any credit agency and the implication was that no negative affects would accrue to one 's credit report or Fico Score. The day before I applied I had a credit score of XXXX, on Wells Fargo site. THE NEXT DAY IT WAS XXXX!!! 
Now I just looked at my credit score on another web site, because they seemed to have removed the credit scores from the Wells Fargo site and it is XXXX!!! 

Clearly Wells Fargo lied to me and I want my XXXX credit score reinstated.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

( XX/XX/2020 ) My loans was cancelled and account suspended for 90 days because : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' ( email from XXXX ) I applied for a loan on XX/XX/2020 on the XXXX Website. In their loan documentation, they stated they would call if further information or clarification was required. They did not contact me before suspending / cancelling the loan. I called this morning ( XX/XX/2020 ) to find out what was missing or going on. ( XXXX XXXX  ) The recording I heard about my account, before talking to someone, said the loan was incomplete. I talked to agent # 1, who could really do nothing or tell me what was missing, I asked for a manager but that department was closed for another 15 min. This person also told me that my credit report from " TransUnion '' may not have matched what I wrote in the application but when I checked everything matches, maybe how I named my employer is different than the report. That in my mind could have been solved in a 30 second phone call. This agent # 1 put me on hold to then disconnect my call ( XXXX ). 
Called back the same number and had to explain the entire situation again to agent # 2, who couldn't do anything and passed me off to the " XXXX XXXX '' group, which was now open. Talked to agent # 3 and once again could not tell me anything on why, what information was needed or what happened. Instead the answer was : " we can have a different department email you '', but no one from this department takes phone calls. I even asked for someone else that could help on the phone to get this solved quickly, but the answer was that there is no one else that I could be transferred to. 

So now I can't do anything for 90 days to correct the whatever information didn't match, or to even find out what is actually wrong. Their contract said that they would contact me if any issue was encountered during the verification process, but I received no phone calls nor emails. 
My credit score is going to take a hit because of the hard inquiry, and I have worked hard to recover the score after a bad divorce where I was stuck with all of the marital debt. I have no one to contact because I have to wait for THEM to email to me, if they even bother. 

The time frame from the submittal of the loan request and suspension was less than 24 hours with no information, requests or phone calls. At no point does it say I was denied or the loan was cancelled for reasons of credit or credit history.