davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6300.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Chexsystems have removed the negative accounts from my report due to identity theft but they have left all of the inquires on my file that were from the identity theft. Which is causing me to have a high risk score and causing me not to be able to obtain a checking account.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2017-12-15
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. (AZ)

I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (FL)

All my XXXX accounts were transferred to XXXX at the end of XXXX and eventually paid off through the PSLF. Ive sent disputes to all three credit reporting agencies and the issue was resolved on all the agencies except Experian. Because of this Ive had 2 credit card accounts reduce my credit limit because of issues partially because my student loans still show a balance despite being paid off. XXXX shows a XXXX balance on their site, XXXX shows a XXXX balance on their site also. XXXX and XXXX shows that these accounts are closed but Experian has yet to adjust their credit report despite the numerous disputes I have filed.
Consumer complaint received 2024-03-26
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

OnXX/XX/2024 at XXXX XXXX, the drive through XXXX ATM I requested {$300.00} gave a red ERROR flash and said transaction was reversed, contact your financial institution. I drove through again and got {$300.00} with a receipt, no problem, and drove around again and withdrew {$60.00} with a receipt. I did a disputed transaction later that day. I did receive a provisional credit of {$300.00} around two weeks, then it was taken out of my account because XXXX said I got the {$300.00}. I walked in XXXX and asked about a video footage. I was told no, contact my bank. D.E. now says the claim is closed and they mailed me a letter XX/XX/2024 to explain, which I haven't received. I verified my new address and asked them to send the letter again and an email also, which I'm still waiting on.
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I called in on XX/XX/XXXX to request letter for mortgage Im applying for and was told it would take 10 business days. The letter never arrived so I called back on XX/XX/XXXX on 3 separate occasions. I was given 3 different stories by each agent who helped. The last guy who helped me names XXXX was extremely rude and would not let me speak. Constantly spoke over me and cut me off. Horrible customer service. Im not sure if he even took my request and when I asked to speak with a supervisor he put me on hold for 30 minutes and no one ever came to the phone. 

I need a letter ASAP for my lender detailing each loan I have with account number as well as the balance as shown on my credit report. Unfortunately this information isnt on the website for me to print myself.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (TX)

I trust this letter finds you well. I am writing to express my deep concern and dissatisfaction with the persistent difficulties I have faced in attempting to correct a late open account issue on my credit report through Credit Bureaus. Despite numerous attempts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing.

The continued presence of the late open account on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter.

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report.

Provide written confirmation once the correction has been successfully made.

I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00}.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

The complaint is in regard to Suntrust Mortgage 's repeated failure to acknowledge my timely submission of my monthly payment, handled automatically from my XXXX checking account. In addition, I have a more serious complaint about Suntrust 's actions on my credit report, but I'm not allowed to check two boxes, so I will submit it separately. 

For years I have paid my monthly mortgage payment to Suntrust Mortgage automatically from my XXXX checking account. I have records going for almost ten years, and I've never missed a payment. Last year Suntrust began assessing late charges even though my payments had been mailed by XXXX in a timely fashion. The only way to contact Suntrust is by telephone or in writing, but they don't acknowledge or answer written correspondence, ( more later ) so the only way to reach them is by telephone, with wait times averaging well over thirty minutes to speak to a human. 

Each time Suntrust would claim not to have received the payment on time, even though I could prove that the payment was mailed with plenty of time to spare. I even researched one of the payments and found that over 85 % of mail that was sent that week arrived on time, so it seemed highly unlikely that my payment took more than 3 times the normal time to arrive. I can't prove it, but I believe Suntrust is failing to open their mail and process payments in a timely manner, and is blaming delays in the US mail to cover for their poor service. I can provide written proof of timely payment for every month for the last year or more, if needed. 

Starting in XXXX I changed the mailing date for my payment to 14 days before the due date, yet Suntrust still claims not to receive the payments on time. Unable to get a reasonable response after hours on the telephone, I have written to Suntrust three seperate times, to the address listed for correspondence on my monthly mortgage statement. I wrote to Suntrust on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Suntrust has not answered any of those letters or responded to my concerns. 

I have further concerns regarding their reports to the credit bureaus, and also about their treatment of my insurance on another mortgage, but I will submit those separately. 

Even though I have provided written proof from XXXX that the payments were made on time, Suntrust has not acknowledged that. Further, they harass me by calling my office, at one point every business day for weeks, then hanging up when I attempt to answer. 

Suntrust refuses to acknowledge timely payment, they don't allow me to communicate by email where there would be a written record, they only allow telephone contact after extremely long wait times, they don't answer written correspondence, and they have falsely reported me to the credit bureaus causing my credit score to drop from excellent by about 100 points. 

I am an excellent customer and have been mistreated, and they won't respond to my concerns.
Consumer complaint received 2023-12-18
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: EQUIFAX, INC. (NC)

I called all three companies, equifax, XXXX, XXXX  and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report. 
The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (FL)

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the response I received from Wells Fargo Home Mortgage in response to my complaint ( Complaint ID : XXXX ). I appreciate your assistance in facilitating this communication and investigation. 

In my original complaint, I expressed my dissatisfaction with Wells Fargo 's decision to add an extra two months ' reserve to my escrow, which was initiated in XX/XX/2013, and their failure to provide a clear explanation as to why this change was made a decade after the loan origination. My concern primarily revolves around the arbitrary nature of this action and the financial implications associated with it. 

In their response, Wells Fargo failed to address the core issue at hand : the rationale behind this sudden change in escrow reserve requirements after ten years. While they may have provided some general information about escrow account management, this did not directly address my specific question. I believe it is essential for Wells Fargo to explain why this adjustment was not implemented at the time of the loan origination in XX/XX/2013 and why it was done now, especially considering the financial impact on myself and other borrowers. 

I remain convinced that this change may have been made with the intention of earning interest on the extra two-month reserve held in escrow, without providing any corresponding interest to the borrowers. This, in my opinion, raises ethical and UDAP regulatory concerns that should be addressed. 

Therefore, I kindly request the Consumer Financial Protection Bureau 's continued assistance in urging Wells Fargo Home Mortgage to provide a clear and detailed explanation for the timing and rationale behind the addition of the extra two months ' reserve to my escrow account. Furthermore, I believe it is essential to determine whether this change complies with applicable regulations and whether it indeed serves the best interests of the borrower. 

I am requesting a written explanation about why Wells Fargo decided to add the two-month reserve to my escrow now, and not at the time the loan was originated 10 years ago. This clarification is crucial for me to fully understand the motivations behind this change and ensure that it complies with all relevant regulations. Transparency and accountability are paramount in maintaining trust between borrowers and financial institutions, and I believe that this information is necessary for a fair resolution of my concerns. 

I would like to thank you for your support in facilitating this communication and ensuring that my concerns are heard and addressed. I look forward to a more thorough response from Wells Fargo Home Mortgage regarding the issues I have raised. If you require any further information or documentation to assist in this matter, please do not hesitate to contact me at XXXX or XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-31
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)

My credit report is showing late payments to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, my Chase checking account was closed without prior notification. An amount of {$5100.00} was withdrawn from my account, which caused financial hardship as I relied solely on Chase for my deposits and had to borrow money to cover essential expenses. I contacted customer service twice, receiving conflicting information about the withdrawn funds and the reason for the closure. No timeline was provided for the investigation. Any investigation has a deadline, and what's the difference between an investigation without a deadline and a robbery, and what credibility does J.P. Morgan have?
Consumer complaint received 2023-08-31
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2024-02-05
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. (CA)

I am writing to bring to your attention a pressing matter involving TransUnion 's unjust stalling tactics in response to my legitimate credit disputes and the addition of erroneous accounts to my credit report. Despite my efforts to resolve inaccuracies directly with TransUnion, their refusal to address the disputes under the pretext of unidentified origin, coupled with the inclusion of false information, raises serious concerns and has significantly damaged my creditworthiness. 

TransUnion has, on multiple occasions, claimed an inability to respond to disputes, citing an inability to identify the source of the dispute. This unfair and obstructive procedure has allowed them to evade accountability for inaccuracies they willingly added to my credit report. The impact on my creditworthiness, stemming from the inclusion of accounts attributed to XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX is evident and deeply concerning. 

This stalling procedure is not only unfair but should be considered illegal, as it denies consumers the right to challenge and rectify inaccuracies on their credit reports. It is perplexing that TransUnion can readily add false information but hesitates to address legitimate disputes, leading to severe consequences for the affected individual. 

In light of these circumstances, I urgently request the Consumer Financial Protection Bureau to investigate TransUnion 's stalling tactics, the unjust refusal to identify the source of disputes, and the inclusion of erroneous accounts. I believe that immediate action is necessary to rectify these unfair practices and ensure that TransUnion is held accountable for their actions. 

Moreover, I wish to highlight that I am prepared to explore legal ramifications if necessary to protect my rights as a consumer and seek appropriate restitution for the harm caused
Consumer complaint received 2018-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

The account has been reported in XX/XX/2017. I have not since received anything in writing documenting the debt. I have asked the creditor to confirm the last billed amount. They have not. I have asked the collection agency to do the same. No response in writing has been provided. I can not imaging owing this debt since I currently have active service with the provider. It was mentioned at the time I applied.
Consumer complaint received 2024-01-31
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: OneMain Finance Corporation (GA)

On XX/XX/XXXX at XXXX I noticed a fraudulent transaction in the amount of {$100.00} on my XXXX XXXX XXXX XXXX for an unauthorized transaction that was made to XXXX XXXX XXXX, on or around XX/XX/XXXX,, I also realized the card had been lost and most likely stolen when I couldn't find it on my person and remembering the circumstances surrounding the last time I had it,, I immediately reported it stolen on XX/XX/XXXX threw the automated system,, on XX/XX/XXXX at XXXX I spoke with a live representative that stated the {$100.00} charge could not be disputed until it post,, on XX/XX/XXXX at XXXX I noticed that my available credit was still {$1800.00}, ,which is still {$100.00} less than the {$2000.00} that it's suppose to be, I also noticed that the fraudulent transaction to XXXX XXXX was no longer appearing on the transaction activity, the representative I spoke with stated it was still in the pending status, ,I told her how??!! It's not even appearing on the transaction history anymore,, at this point I requested to speak with a manager, ,she refuse to do so and transfered me back to the main menu,, I than called back to speak with a manager and was refused again by a representative at or around XXXX on XX/XX/XXXX due to the nature associated with both representatives I've come to the conclusion that they refused to honor my request to speak with a manager because they are the type of XXXXXXXX XXXX XXXX, one sounding to be of XXXX  origin,, both refused my request to speak with management, ,especially the representative I spoke with on XX/XX/XXXX at XXXX, ,stereotype me as a low - income and unknowledgeable XXXX XXXX XXXX ,had I been a XXXX XXXX XXXX XXXX XXXX  I realize that my request to speak with management wouldn't have been refused at all,, further more when I made mention of my knowing of the CFPB to the representative I spoke with on XX/XX/XXXX at XXXX she laughed and giggled, ,which was an indication that the entire matter concerning myself was of no concern,, after this matter is resolved I will close the account to avoide having to interact with XXXX females whom feel as if you are an XXXX XXXX XXXX XXXX XXXX XXXX,, they have no obligation to honor simple request associated with an account.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX balance of {$1800.00} XXXX  XXXX balance of {$3600.00} XXXX XXXX XXXX balance of {$11000.00} XXXX balancXXXX XXXX {$4700.00} XXXX XXXX balance of {$0.00} All of the above should have been removed from my reports the same time the derogatory information was removed XX/XX/XXXX I only have XXXX Credit Card and it is a XXXX XXXX XXXX with a {$300.00} limit. I don't use credit. 

The Hard Inquires need to be removed I have not applied for any credit aside from my car and house and those I will not list for removal. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX This needs to stop, I have never seen this dirty mess before.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NJ)

I have had Discover Card since XXXX and have an outrageous rate of 18.99 % on purchases from XX/XX/XXXX and prior. When I called to ask why it is so high I was told ( on XX/XX/XXXX ) that I had a late fee on XX/XX/XXXX which increased the rate to 23.99 %. At some point they did reduce the rate to 18.99 % but will not reduce it further because I " signed that I knew the policy. '' Can Discover Card continue to penalize me after 10 years? They don't care why I was late or that I have paid on time regularly for years. Is there anything I can do? I'm trying to retire and can only do it if I can pay my bills down. 

Thanks for any help.