davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

As a Veteran and a first time home owner it is an amazement to me how much theft transpired behind the closing of my VA LOANXXXX XXXX and still ongoing I am fighting outdated and backdated information towards foreclosure of my home.There was a ruling marked a win for U.S. Department of Justice in a civil fraud case, which accuses the bank 's Countrywide Financial unit and former Countrywide executive XXXX XXXX of duping XXXX XXXX and XXXX XXXX into buying shoddy mortgages. The case was first brought in XXXX by whistle-blower XXXX XXXX XXXX a former Countrywide Home Loans vice president. 
A jury found against the bank in XX/XX/XXXX, determining that Countrywide misrepresented to XXXX and XXXX the quality of mortgages it originated through a program known internally as high-speed swim lane ( XXXX  ), or " hustle. '' In XXXX, XXXX leveled a fine of {$1.00} XXXX against BofA and hit XXXX with a {$1.00} XXXX penalty for her role in the scheme. ( XXXX, a key witness in the government 's case, eventually raked in a {$57.00} XXXX whistle blower award. ) In my research with XXXX XXXX who was one of the expert witness and investigator when in XX/XX/XXXX he discovered that XXXX XXXX, in a terse opinion, simply told us that Judges and Justices were wrong in all those trial court decisions and even appellate court decisions that applied common law theories to modify the language of the Federal Law ( TILA ) on rescission. And now bank lawyers are facing the potential consequences of receiving notices of TILA rescission where the bank simply ignored them instead of preserving the rights of the lender by filing a declaratory action within 20 days of the rescission. By operation of law, the note and mortgage were nullified, ab initio. Which means that any further activity based upon the note and mortgage was void. And THAT means that the foreclosures were void.I have 3 full blown audits that repeat that my loan financing has fraudulent activities between 13 franchised banks and Bank of America the Mother Load of The Chain.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I recently found out that I was a XXXX XXXX  for a Capital One settlement due to a XXXX Data Breach. I called the capital One Settlement department and was told I was a XXXX XXXX that could have received benefits, but because I did not respond to the claim in 30 days, I lost my opportunity. An agent told me that an email was sent out to me about the settlement in XXXX of XXXX, but she also said the email was automatically deleted after 30 days. Meaning, Capital One purposely sent the email to my Spam folder so that I would not know that I was an eligible XXXX XXXX for the settlement. Others have received {$700.00} as a result of the settlement, but others like me are out of luck as the final deadline to submit for the claim was XX/XX/XXXX.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

Since XX/XX/, Citibank Online ( web & mobile ) has said that I have a notice waiting for me to review called " 90-day legal notice for conversion. '' I have been unable to download or view this document. I have contacted the call center, my relationship manager, and my financial advisor and used the chat feature online. No one in the last ~8 weeks has been able to explain to me what this letter is about and why I can not read it or download it. No one seems to be able to send me a copy of the letter in the post. No one has a record of this letter in their systems. No one can accept a screenshot of what I'm seeing online to show them the error message " Looks like this document is temporarily unavailable right now. Please try again later. '' or other details. When I had them create a case or a complaint, they couldn't provide me a confirmation number or reference ID of that case or complaint. They said I would not receive any notification from Citi about the investigation status or when the problem would be resolved and that I would have to continue logging in each day to see if the issue was resolved. Why would a bank send such an important sounding, date-driven document that includes words like " legal notice '' and " 90-day '' and then have no record they ever sent it and no ability to allow me to read the document?
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Consumer complaint received 2023-08-03
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

I filed a dispute for the money for rent I never received. Got kicked out. It was through XXXX XXXX ( I rage closed my account with CA because of how unhelpful they were ) and Chime is not doing their XXXX job. 

They dont understand the severity of this.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I received a {$20.00} XXXX payment from someone I don't know, XXXX payment from XXXX XXXX XXXX XXXX XXXX {$20.00} I called Chase to let them know I don't know who this person is because I was concerned it could be a scam or tester transaction, and the phone rep foolishly advised me to try and send the money back to this unknown recipient. ( This is really bad, clearly there is no training on this at Chase ). 
I would think this should be a Reg E situation - but I know the big banks are trying to skirt their Reg E responsibilities through XXXX. 
I suppose it is on this XXXX guy to file a reg E claim with his bank, but the bottom line, I have {$20.00} in my account that isn't mine and Chase 's poor advice is to " try and send it back if he contacts me. '' I'm not doing the bank 's job for them.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing about the account that has been settled long time ago. Its a closed account from XX/XX/XXXXXXXX  which i closed in settlement but it still appears on my credit report as negative and affecting my credit score. 
Here are the details about the account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXXXXXX  Last payment date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-21
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: ALLY FINANCIAL INC. (FL)

I purchased food from an online company. The meat arrived thawed. We cooked it, it was not eatable. We cooked more a few days later for guests, same thing, then my wife became sick. I complained to Co. They issued a partial refund of {$69.00}, they still owe me {$250.00}. They wont refund. I filed dispute with credit card co. They did nothing. They sent me a letter, see attached. 
1. They did not investigate with merchant. 
2. They did not give me explanation as to why I owe the balance. 
3. I asked for, but never received copies of documents from merchant proving that I owe the money. I received no documents. 
4. I was never told by credit card co. as to how much I owe and why.
Consumer complaint received 2024-03-21
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

Dispute inaccurate items on my credit I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.report
Consumer complaint received 2023-10-27
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. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, a hard inquiry from XXXX XXXX  XXXX  appeared on my TransUnion credit report. 

XXXX XXXX account shouldn't be on my TransUnion credit report. 

XXXX XXXX XXXX account shouldn't be on my TransUnion credit report. 

XXXX XXXX XXXX  XXXX account shouldn't be on my TransUnion credit report.
Consumer complaint received 2024-03-21
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The only address should be reported on my consumer report should state. 

XXXX XXXX XXXX XXXX md XXXX The only name reported on my consumer report should be stated. 

XXXX XXXX XXXX The only phone number reported on my consumer report is XXXX any other names or address and phone should be removed.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

How in the world can one credit reporting company have your credit score almost XXXX points lower than the next. Equifax has me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, how is that possible?
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-27
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-03
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. (FL)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/2021 card was blocked for fraud. When I called XXXX XXXX for an explanation I was told that they could not tell me the reason for the block due to fraud investigation. That was 2 years ago. I have XXXX cards with XXXX XXXX. The card blocked was that used by the Authorized User ( My XXXX ). This block was instrumental towards credit blemish as per Experian. My son reached out to XXXX XXXX for a resolution as I have also done myself. I paid my card in full back in XXXX XXXXonly to be penalized for the added fraud block without premise. I am the Account holder my son is the authorized user. I often times blocked my son from using the card for overspending. He would max his card out and I would have to pay it in full, so I would block him. XXXX XXXX decided to place a block on the card in XXXX of 2021 due to numerous declines, now XXXX XXXX is backpedaling stating the block was due to inaccurate address information, meanwhile my Credit XXXX card was never blocked. Both cards are under my name, my address. Two years barred from using the card, and the audacity to incur member protection fees!!! I called again today as a result to resolve the issue, escalating the call to XXXX levels according to representatives whom I do not believe even escalated my call. It went from representative, to Supervisor, to Manager then Supervisor then to corporate when I stated I was going to the Consumer Protection Bureau. I asked them to remove the ridiculous block, remove the fees, my son was barred from using the card I got him as an authorized user and my card was used monthly for a veterinary insurance bill on a monthly basis. Thats it. This has caused credit issues and I need a resolution.
Consumer complaint received 2024-06-26
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. (NE)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 in months that reported late to be removed. 

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. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-19
Product: Credit 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: JPMORGAN CHASE & CO. (WI)

On or around XX/XX/2023, I mailed the attached dispute letter to Chase. On XX/XX/2023, XXXX XXXX at Chase contacted me about the dispute. She said Chase required a second opinion letter on the jet ski. I told her, I had sold the Jet ski and that was impossible. XXXX said she had no mechanism to process my claim without me taking the jet ski to a dealer to get a second opinion. She noted her system would not allow the claim to move forward with that document. I asked her to note my objections and send me a written response. 

I don't believe the credit card company can unilaterally impose a requirement that I obtain a document that is impossible to obtain. I'm not aware of any requirement in the law. This appears to be an internal procedure created by Chase. 

At no point was I advised that I would need a second opinion letter when filing a dispute. I took pictures of the issue, have testified to the issue, and the merchant does not deny it happened.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from my credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.