davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

I took out this loan in early 2023, yes I read the contract, and conditions, and knew this would be a high interest loan, I was in a bind, and needed to move, so I bit the bullet, only because I intended on paying the loan off early to avoid interest, and penalties. I was never late, never missed a payment, never called these people about anything. XXXX of XXXX I received an annual bonus from my employer, and paid the loan completely off, and then I asked that my account be closed. To date, I can not get in touch with these people to correct my credit report, and update my balance to zero even though I have a receipt. I you do not have an open account it sends you in a loop, and you never get to speak with a live agent. So I emailed them, and they stated I needed proof, and which I attached the payoff receipt. I submitted a dispute to the two credit bureaus they report to, and it seems they are being uncooperative. I paid off this loan, and now I am receiving no cooperation updating this loan balance, which is impacting my debt to income ratio.
Consumer complaint received 2024-04-12
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

In the First Complaint US Bank Only completed HALF of the Complaint And CFPB Closed the Complaint ( XXXX ) NOW for the Second time : US BANK Cashed a forge Check XXXX XXXX XXXX {$870.00} ( attached with Affidavit ) ALL Documents have been Sent more than XXXX Times Now . This is the check US Bank called me on that started this XX/XX/2023 the check was made out to US Bank for a XXXX  Payment of which I am owned a XXXX XXXX  Late fee had to Pay also. The amount was removed from MY Account but NOT to the XXXX. Deposited to someone else US Bank Account and NOT to the payee of check intended For. US Bank is NOT Customer Friendly!! they have Held on to MY Money for XXXX  Months now. ReQuest money to be Returned. US Bank has a Great Customer Service, They are SORRY for Everything. BUT, They don't get Anything DONE.
Consumer complaint received 2019-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank received our XX/XX/2019 mortgage payment of {$2700.00} on XX/XX/XXXX. However, it did not credit it against our mortgage because the escrow amount had been increased. Considering it a partial payment, TD Bank did not credit any of it to our account. 
The notice of escrow increase was sent to an old address, so we missed it. 
We did not know of the bank 's failure to credit the payment until XXXX, when a credit change notification arrive in my wife 's email box. Her credit score dropped by 60 points because of a delinquent mortgage payment.

We called TD bank, and were told that they don't accept partial payments. I tried to explain that the bank had received its full mortgage principal and interest payment, which had not changed, but was short on the escrow, an account paid in advance by the way. The call center operator suggested I write the bank. I did. The bank took four paragraphs to say it had done nothing wrong. I beg to differ. As I said, the mortgage principal and interest amount did not change. And it was paid on time. A late, advanced escrow payment should not qualify for reporting a consumer late to a credit agency. This is outrageous behavior. And, TD had the nerve to charge us a {$67.00} late feel.
Consumer complaint received 2023-04-24
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (FL)

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three Expirian XXXX XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (FL)

I received two text messages from a company called chime.com- they claim that I now have an account. I called their support number and it seems to recognize my number as being associated with an account. They would not talk to me, though, because my name is not on the account. Below are the two messages : " Chime will NEVER ask you for this code. DON'T share it. The code you requested is XXXX. Didn't request it? Call XXXX -- XXXX # XXXX '' and " Your Chime account is ready! Just download the app to access it : https : //chime.comXXXX '' I tried to explain this to them but they only hung up on me. I don't see how someone could have setup the account AND verified my phone number if they do not have access to my phone.
Consumer complaint received 2024-04-12
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. (TX)

I been a victim of identity theft here are the two accounts that need to be removed. 

XXXX {$1500.00} date opened XXXX XXXXXXXX XXXX {$3300.00} date opened XXXX
Consumer complaint received 2023-09-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-08
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. (IL)

I tried to put A credit freeze on my Experian and as I tried to get into my account I was denied no matter how many times I try to change my password it gets denied i tryed contacting the company but was unable to
Consumer complaint received 2015-12-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I 'm very perplexed that after me fighting for my home i was granted an n house modification by nationstar mortgage but problem i have is that I 've never spoken with this loan specialist that was a singed to my file he only left me massages without explaining what i needed to do or what type of loan i was getting he just left a massage telling to sign and the money back with the documents so i hire an attorney to look over the document cause i did n't understand what the adjustable arm entailed which is my right i want my home i want to be treated fair i work everyday and can afford my home i just do n't want to be back in the same situation that i already in my attorney he sent the documents with last week please correct the problem so i can move forward and give me some who 's going to return my call as well as speak with when theres a problem i have a signed agreement i do n't want to deal with XXXX XXXX who want speak with me directly its always has been through massage and this is n't business when i need answers right then and there
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  ISSUED AN AUTO LOAN ON XXXX XXXX, FOR {$42000.00} WITH A FRAUDULENT ADDRESS, EMPLOYMENT, AND NAME. 
I FILED A COMPLAINT IN XX/XX/XXXX. 
I CONTINUED TO FILE A DISPUTE, BUT XXXX STILL HAS THE ACCOUNT IN DISPUTE AND UNDER INVESTIGATION. 
I SPOKE TO EXPERIAN YESTERDAY, AND THEY WILL OPEN AN INVESTIGATION. 
EXPERIAN REFUSES TO REMOVE THIS FRAUDULENT LOAN FROM MY CREDIT REPORT UNTIL XXXX. 

PLEASE HELP!!!
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I am writing to express my extreme dissatisfaction with the handling of funds in my business checking account with Chase Bank. I am the owner of a small service business, and the recent experience with Chase has severely hindered my ability to conduct essential business operations. 

On XX/XX/2024, a client made a payment to my business checking account at Chase via credit card for 50 % of the total cost of a service, in accordance with our standard procedure. Subsequently, on XX/XX/2024, the same client made an additional payment using the same payment method, as there was a modification to the initial job request. Both payments were made, and I received confirmation from the client regarding the transactions. ( Payment sent on XXXX : {$1600.00}, XXXX : {$1800.00} ) However, upon checking my business checking account, I found that neither of these payments was reflected as pending or deposited. Concerned about the delay, I contacted Chase Bank, expecting clarification on the usual clearing period for such transactions. To my shock, I was informed by a representative over the phone that the funds would be held for a staggering 120 days. Despite my inquiries, the representative provided no further explanation, merely citing it as the bank 's standard process. 

Determined to resolve this issue, I visited a Chase branch and spoke with a representative in person. To my dismay, even after examining the account, the representative could not identify any reason for the prolonged hold on the funds. He acknowledged that everything appeared normal and expressed confusion as to why such a delay was occurring, especially considering that other business owners who receive payments in a similar manner have not encountered such problems. 

As a small business owner, these withheld funds are critical for procuring materials and initiating work outlined in contractual agreements with clients. The current predicament jeopardizes not only my ability to fulfill contractual obligations promptly but also the overall viability of my business. It is incredibly disheartening to experience such impediments when, in essence, a business checking account is meant to facilitate seamless financial transactions.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX, and Equifax for myself XXXX XXXX XXXX, last XXXX Social Security number is XXXX, XXXX : XX/XX/XXXX. Please delete the following accounts. Starting with XXXX Hard inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX, XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX  ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). 
Also, collections account for both XXXX and Equifax : credit collections ( XX/XX/XXXX ), other closed accounts listed for both XXXX and Equifax : XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ). Address listed on both XXXX and Equifax : XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX, Employer : XXXX XXXX XXXX, XXXX. 
Equifax hard inquiries : XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : -- -- -TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX and Equifax has failed to provide my platinum card tradeline for over the last several months! 

I have been playing XXXX XXXX with both companies as they continue to point fingers at each other over whos responsible for my information not being reported monthly! 

I have submitted numerous complaints and disputes to both companies and all they do is pass the buck continuously! 

However, nothing is done and my request still continues to be ignored and nothing has been resolved by both parties!
Consumer complaint received 2024-04-12
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-11
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: TD BANK US HOLDING COMPANY (IL)

In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with Yard Card.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (MN)

I have received correspondence by FOX COLLECTION CENTER. Upon review of the alleged debt, I have noticed that the information provided by the collection agency is considered private medical records. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). FOX COLLECTION CENTER took up to 30 days. FOX provided a medical statement but did not disclose failed to further validate the debt as requested of them. You are required to provide significant information per 15 USC 1692g and 12 CFR 1006.34C Regulation F regarding the alleged debt. Insurance, chain of assignment, and the purchase agreement regarding this alleged debt has not been disclosed as requested initially. FOX COLLECTION CENTER is in violation of 18 USC 371 and 18 USC 1001. Further proof is needed.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off DISCOVER I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.