davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (RI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I Received a XXXX XXXXXXXX XXXX Line of Credit for {$3000.00} ( XXXX, XXXX ) in good faith of expanding my small business and ended with damage to my reputation. In XXXX of XXXX  Capital one Made numerous collection attempts and had communication with me through Fraud Mail, Mobile App, My Consumer Report ext. As well as using fees to say I owe alleged debt of ( {$3700.00} ). XX/XX/XXXX I notified them of there false representation and Defamation of my character and didn't receive correspondence until XX/XX/XXXXXXXX  resulting in the account being Closed/Charge off. XX/XX/XXXXXXXX  I continued disputing validity of the report showing there clear violations of ( FCRA & FDCPA ) and that they were to cease and desist also requesting 1099c and received no correspondence. It is XX/XX/XXXX and XXXX still is furnishing inaccurate information.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION (NC)

REGIONS BANK : Back in XX/XX/year>, accounts were opened under my name ( however, my real middle name and last name were hyphenated ) without my consent. I only learned about this when I received mail to my home address with a debit card and information on my new account. I immediately went to a local branch and notified them that I did not open an account and they had me fill out a packet where I gave my information so they could confirm my identity and close out the fraudulent account. This also happened at 2 other banks, and after learning about the alarming identity theft I took all precautions- filing a police report, notifying credit bureaus, locking my SSN, placing an alert on XXXX, making an Identity Defense account, among many other things to make my current accounts more secure. 

This happened AGAIN in XX/XX/year> with the same exact bank that is aware of my identity theft issues. I am extremely frustrated that the proper protocol is not in place to prevent this from happening again to the same exact person. Keep in mind... the name the Identity Thief used was not even my correct name! There should be a permanent fraud alert on my SSN and all information when it comes to Regions Bank. My information has been compromised even further due to Regions bank... 

Even other banks ( such as XXXX XXXX ) declined accounts being opened because they did the proper background checking prior to approving an account. With all my precautions put into place and having this already happen at Regions Bank, there is absolutely no reason I should be having to worry about it happen at the SAME EXACT BANK.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

I am writing to file a formal complaint against American Express for their failure to honor a welcome rewards offer that was promised to me upon applying for one of their credit cards. I applied for an American Express card based on the understanding that if I spent {$20000.00} within the first XXXX months of account opening, I would receive XXXX rewards points. I even called American Express to confirm my eligibility for this offer before using the card. After meeting the spending requirement within the specified timeframe, the rewards points did not appear in my account. When I contacted American Express customer service to address the issue, I was toldsurprisinglythat I was not eligible for the offer. What is even more concerning is that during the entire three-month period in which I used the card, no one from American Express reached out to inform me of this supposed ineligibility. This lack of communication, coupled with the refusal to honor the offer, has left me frustrated and upset. I find this practice deceptive and unethical. I am requesting your assistance in holding American Express accountable for their misleading conduct and ensuring that they honor the original offer. I believe it is essential to address this behavior to prevent other consumers from having similar negative experiences. Thank you for your help in this matter.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

XX/XX/XXXX my mortgage was sold from XXXX XXXX XXXX to Newrez. XX/XX/XXXX both my home insurance with XXXX  and my required flood insurance through XXXX WAS due. The money was in my escrow account and XXXX  was paid but flood insurance was not. Newrez received a renewal letter XX/XX/XXXX and still never paid it. Hurricane Helene hit XXXX XXXX Florida XX/XX/XXXX and after calling and finding out I had no flood policy but yet the money was sitting in my escrow Im being told that they are now placing flood insurance on my mortgage which I should have received a mandatory flood requirement letter in XX/XX/XXXX so I could have known before the mortgage company allowed it to lapse and not be without flood insurance during a hurricane with several inches of water in our home. I cant get a new affordable policy until the insurance companies open enrollment again and dont think I should be charged for more than what my policy was. They cant tell me how much their flood insurance will be until it goes to their insurance review department.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-11-14
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. (GA)

It has come to my attention that you are not restricting files provided with an FTC fraud report. Because it is required by FCRA law 605b, I am sending this letter certified mail to assist establish legal remedies. If you do not ban the items mentioned below that are reporting incorrectly due to identity theft, I will turn over my paperwork to my attorney to initiate legal action. It is my aim not to take legal action, therefore please follow the law. Please delete the following products, which are fraudulent and were opened without my knowledge or consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX If you say that these goods are 100 % true and verifiable, I require copies of any paperwork linked with this item that has my signature, as I am aware that none exists. In the absence of such documents carrying my signature, I formally request that this information be removed from the credit file you keep under my Social Security number immediately.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MI)

I called Newrez on XX/XX/XXXX to recast my mortgage and lower my principal. Rep said it could take up to two weeks. Process started. Almost immediately, I get an email that my password was changed. I can't get back into site. 

I'm moving to my new ( mortgaged ) residence so I don't have time to reset password. Then, wife XXXX XXXX on Saturday, XX/XX/XXXX, and we spend 3 days in the hospital. Now, on Tuesday, XX/XX/XXXX, I finally try to reset my password and it says my Password reset is denied and must be reset by an Administrator. 

I call Cust. Service and Rep is baffled by how my SS # has been disassociated from my account. She can not fix it, but submits a trouble ticket to IT. 

Fortunately, she takes my payment over the phone, but tells me that mortgage recasts are now taking at least one month and mine is estimated to complete on XX/XX/XXXX. She sees that my Recast Application was started on XX/XX/XXXX when I called in one week prior. 

That leaves me with a second XXXX payment on a XXXX mortgage that I am not ALLOWED to reduce the principal. 

This is ridiculous and stinks of incompetence that I get locked out of my own account and can not reduce my mortgage principal in a matter of a few working days. 

I am forced to make additional high payments of XXXX, because Newrez is unable to process my mortgage principal recast in a few working days.
Consumer complaint received 2024-11-14
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. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (MS)

I went to XXXX in XXXX, XXXX for a 90 day loan for mattress. They didnt pull all the money on the last month for 90 days. They trying to carry it for 12 months and thats double price for the mattress.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I have XXXX other personal loans and they still gave me a line of credit and then are trying to charge me up to XXXX a month to repay the loan. I asked for a more reasonable payment and they said no. They never should have granted this loan to begin with and expecting me to pay up to XXXX per month when they know I had all these other loans is completely predatory
Consumer complaint received 2024-10-02
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: Shellpoint Partners, LLC (PA)

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a XXXX term. 

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to NewRez/Shellpoint XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, NewRez doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and NewRez/Shellpoint have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Consumer complaint received 2024-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased several prepaid cards and they don't work. Received replacement cards and they also don't work. Emailed over my activation receipts and ID, the cards still don't work. Now I'm being told it'll take up to 30 days?!?
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (WI)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-10-29
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: CLGF Holdco 1, LLC (CA)

While looking at my credit reports on XXXX, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XX/XX/XXXX, Feb/Destiny ( Bank ), XX/XX/XXXX CB INDIGO BANK XXXX XX/XX/XXXX XXXX/Milestone Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

XX/XX/year> I reported an unauthorized ATM withdrawal to chime. I was told I needed to make an initial statement and file a dispute. A customer service agent took my initial statement and told me to provide any additional details by uploading documents. That night, I made a police report and uploaded the preliminary police while waiting for the finalized report which can be up to XXXX hours. Chime sent me an email on XX/XX/XXXX denying my claim without the opportunity to provide the final report which I received the same day. I filed a rebuttal with the final police report that day. I was told I would have access to a temporary credit within 10 days while dispute resolution investigated. On the XXXX day I was emailed another denial by Chime. I then filed my XXXX rebuttal with a statement from investigators providing detailed description of suspect from ATM camera. XXXX  days after the initial claim I was given another denial. Again a rebuttal was filed using my location from XX/XX/year> when the transaction took place. I still have not been provided a temporary credit. Chime says that each rebuttal starts the investigation process over which means there is a 10 day wait for the temporary credit. Chimes visa debit cards are covered by visas XXXX liability which states Chime must provide temporary credit within 5 days.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I am asking for your assistance in dealing with this incorrect account that has been reported on my credit report. This issue has been raised because it has negatively affected my reputation, and I need your intervention. The way my credit report was handled has caused me great distress ; the false information has damaged my reputation. It is crucial that these mistakes are corrected so I can live in peace with my family.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXXXXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX